JT PHILIPPINES LENDING TECHNOLOGIES INC.
COMPANY REGISTRATION NO.S202000182
CERTIFICATE OF AUTHORITY NO.3197
IT IS STRONGLY ADVISED THAT USERS SHOULD READ THIS PRIVACY POLICY THOROUGHLY. BY CLICKING THESE BUTTONS, INCLUDING, “SIGN UP”, “I AGREE TO PESOMAXY’S PRIVACY POLICY”, “I AGREE AND CONSENT TO THE COLLECTION, USE, DISCLOSURE, STORAGE, TRANSFER AND/OR PROCESSING OF MY PERSONAL DATA FOR THE PURPOSE STATED IN, AND UNDER THE TERMS OF, PESOMAXY’S PRIVACY POLICY” OR SIMILAR STATEMENTS AVAILABLE ON PESOMAXY REGISTRATION PAGE OR IN THE COURSE OF PROVIDING YOU WITH THE SERVICES OR ACCESS TO RELATIVE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THE TERMS OF THIS PRIVACY POLICY AND THAT YOU HAVE AGREED AND CONSENTED TO THE COLLECTION, USE, DISCLOSURE, STORAGE, TRANSFER AND/OR PROCESSING OF YOUR PERSONAL DATA AS DESCRIBED AND UNDER THE TERMS HEREIN.
We take our customer’s privacy seriously and we will only collect, record, hold, store, disclose, transfer and use your personal information as outlined below. Data protection is a matter of trust and your privacy is important to us. We shall therefore only use your name and other information, which relates to you in the manner set out in this Privacy Policy. We will only collect information where it is necessary for us to do so and we will only collect information if it is relevant to our dealings with you.
We will only keep your information for as long as we are either required to by law or as is relevant for the purposes for which it was collected.
We collect information to provide a better service to the users. We will not collect your personal data without your permission.
When joining as a member, we may collect the following information for the user’s personal identification: (1)full name,(2)email address,(3) residential address,(4)phone number, (5)Emergency Contacts, (6)employment information, (7)monthly income, (8)date of birth, (9)gender, (10)ID information, (11) beneficiary’s bank account information (12）Social Media account, (13) biometric data consisting of facial recognition elements in order to corroborate your identity, (14) other information that users opt to provide through the Platform.
We collect information about the applications and devices you use to access the services of the Platform, which helps us to provide you with services. The information and permissions we collect includes: (1) Emergency Contacts, (2) APP installed, (3) camera, (4) device information, (5)Face Recognition.
1.3.1. EMERGENCY CONTACTS INFORMATION
We are committed to protecting the security of your account, so we ask you to provide relevant information about your emergency contacts, including their names, phone numbers, and their relationship to you. You must fill in this information yourself, and make sure you have obtained their consent before listing them as emergency contacts.
1.3.2. APP INSTALLED
We want to collect a list of installed application metadata information for each app installed on your device, which includes app name, package name, install time, update time, version name, and version code.In order to identify and analyze the behaviors and risks of users for multiple loans. These data will be encrypted and uploaded via the HTTPS protocol https://pesomaxy.com/api/ . We never share this data with third parties.
1.3.3. CAMERA
We require the camera information permission to provide you an easy/smooth experience and to enable you to take photos and upload the same on the Platform during your loan application journey.
1.3.4. DEVICE INFORMATION
The device information includes device brand, model, operating system version, device unique identifier, device network environment, WiFi connection, device status, identification international mobile device, international mobile subscriber identification, application software information, device memory information. We collect information about your device to provide automatic updates and additional security so that others can’t use your account on your behalf. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behavior, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
1.3.5. FACE RECOGNITION
We collect your facial data by requesting you taking a live face photo during the facial recognition process and will use and process it for the following purposes:
to verify your identification.
to prove the loan is applied by yourself, at the time of loan application and any other time other that, including when there is a dispute regarding the loan. and
to prevent loan fraud.
We will not share your face photo with third parties except for the purpose of presenting evidence to a court or arbitral tribunal in the resolution of a loan-related dispute and when ordered to do so by a court of competent jurisdictions or any government office or agency authorized by law. These courts, tribunals and/or authorities will retain your data for the duration mandated by applicable law.
All of the above data will be encrypted and uploaded to our servers https://pesomaxy.com/api/ via the application.
We will hold your data only for as long as is required by the applicable law and necessary to allow the purpose for which the data is collected and used. If you need to delete your data immediately, you shall notify our customer service center via email: cs@pesomaxy.com
Personal Data shall be processed, collected, used, disclosed, stored, and retained for the following purposes:
to authenticate the identity of Users.
to contact Users in relation to their registered account/s or requested information.
to process registration of account/s and to determine or assist in determination of decisions as part of screening of the investors, borrowers, registrations or loan applications, and/or to deliver our products and/or services to the User and any directly related purposes.
to facilitate loan processing from application, review, monitoring, payment, collection and other remedial measures.
to maintain internal records.
to market and offering new, related or complementary products and services to the User.
to conduct background check and identity verification.
to conduct and perform fraud monitoring, detection, analysis and prevention.
to prevent, detect and investigate actual or suspected crime and analysing and managing commercial risks.
to conduct data analytics and tracking.
to conduct market research to enable the Company to understand and determine customer location, preferences and demographics to develop special offers, products or marketing programs in relation to products and services, and to improve (i.e. customized offers and products) such products and services.
to perform research on data to conduct investigations relating to disputes, payment, suspected illegal activities or fraud.
to carry out marketing and promotions initiatives relating to the Company, local affiliates of the Company, the Company’s partners, and other Company’s products and services, whether by electronic means, by email and post, or by phone, SMS or social media, or by sending newsletters (for example, for the Users to be updated on new products or features and to publicize events, contests, demonstrations, loyalty programmes, and other activities organized by the Company and/or the Company), also by using automated means. Such communications will relate to products and services of the financial products, services and the like
to develop, enhance and maintain a risk assessment process and model, offline and online.
to develop and generate a credit score, credit model and user model.
to enrol/participate the user in group credit and/or life insurance, credit risk analysis, credit investigation, credit scoring and credit collection on the User.
to perform User location search.
to execute, monitor, manage and analyse the Platform and to develop, enhance, and upgrade the features, functions, products and services in the Platform, including promotions, loyalty and reward programs.
to respond to User queries and requests.
to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) of the Company.
to facilitate and as may be required as part of any financing or capital raising activity (i.e. obtaining loans, credit facility, mortgage, assignment, assignment as a form of security or mortgage of loans).
to initiate and maintain correspondence with the User via electronic mail (e-mail), SMS (short messaging service), in-app message/communication, registered mail, phone calls or field visits.
to resolve complaints and handling requests and inquiries.
to monitor or record phone calls and customer-facing interactions for quality assurance, employee training and performance evaluation and identity verification purposes.
to provide information to external parties such as government agencies, and other institutions as part of scientific research and/or study. and
for any other legal and/or regulatory purposes (including but not limited to obtaining legal advice and dispute resolution) and legitimate business purposes and to carry out all mandatory administrative, operational and legal duties
The Company values Personal Data collected, used, retained and stored through the Platform. The Company has adopted technical, organizational and physical measures to protect your Personal Data.
We take reasonable measures to protect your information from unauthorized access or against loss, misuse, or alteration by third parties.
We may transfer your Information outside of the Philippines, either to the United States, or Singapore, and/or to the extent we provide prior notice to you, to jurisdictions that may have data protection laws that are less stringent than those of the Philippines. When we do so, we will ensure that adequate safeguards are in place in accordance with applicable law and/or the Philippines’ data protection requirements. The safeguards we will use will depend on the circumstances and the party to whom we transfer your Information. Your Information may be processed by any of the parties described in section 3. PesoMaxy will use all reasonable and appropriate efforts as required by applicable law to protect your Information.we will comply with the Data Privacy Act of 2012 and its Implementing Rules and Regulations, and other related issuances of the NPC.
Your privacy and security are important to us. We recognize the value of your personal data. Thus, we strictly enforce physical, occupational and security safeguards to maintain the confidentiality, integrity and availability of your personal information against loss, misuse, wrongful modification, unauthorized or accidental access or disclosure, illicit alteration or destruction. These safeguards include, but are not limited to the following:
a. Your personal data are kept and maintained by using a secured server behind a firewall, deploying encryption on computing devices and establishing physical security controls.
b. Access to your personal data is restricted only to qualified and authorized personnel who hold your personal data with strict confidentiality.
c. Our employees are well-trained to properly handle your personal data. and,
d. Our third parties are required to protect your personal data conforming with our own security standards.
NOTE: We now store all your information on Singapore server : https://api.pesomaxy.com . Rest assured that your info is 100% secure&protected.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Appsflyer
Their Privacy Policy can be viewed at https://www.appsflyer.com/cn/product/security-and-privacy/
Firebase
Firebase is analytics service provided by Google Inc.
We also encourage you to review the Google’s policy for safeguarding your data: https://support.google.com/analytics/answer/6004245. For more information on what type of information Firebase collects, please visit please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Although we make good faith efforts to store the information collected on the Platform in a secure operating environment that is not available to the public, we cannot guarantee the absolute security of that information during its transmission or its storage on our system. Further, while we attempt to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers” from illegal obtaining access to this information. We do not warrant or represent that your information will be protected against, loss, misuse, or alteration by third parties.
General
PesoMaxy will not disclose any Information containing personal data (as defined under applicable law) to any third parties unless it is necessary and/or appropriate in order to provide our products or services (provided, that, we may share limited personal data (as defined under applicable law) with select partners for research and development). Whenever practically feasible, PesoMaxy will only share your Information with third parties in an anonymous format.
You agree that we may, as necessary and/or appropriate for the purposes provided in section 2, transfer and disclose your information to:
service providers with contractual or fiduciary relationships with PesoMaxy (e.g., to facilitate transaction processing, fraud prevention, cloud data storage or data transfer).
Telecommunication companies (e.g., Globe, TM, GOMO, Smart, Talk&Text, PLDT, Sun Cellular).
JT external partners.
Principals.
Third party suppliers and service providers. and,
Government authorities, regulating bodies and/or courts of competent jurisdiction.
We engage third parties for the following reasons:
a. To offer you additional products and services that we believe you might find interesting.
b. To support us in delivering our services. This may involve anonymous or aggregated information to help improve our products, services, and content.
c. To validate, consolidate or update your information records and/or credit history.
d. To send reminders, announcements, promotions, offers, invitations and other notifications.
e. To enrol you in, and/or renew your enlistment in our loyalty and similar client-oriented programs.
f. To aid us in the conduct and performance of our business operations.
g. To assist us in research or to design other related products or services.
h. To promote promotional and/or marketing activities.
i. To comply with a legal obligation to which JT is subject.
j. To enable us to fulfill our contractual obligations with the said third party.
k. To enforce our terms of use including, among others, our rights as support services and human resource provider, or such other applicable policies with respect to the products and services that we provide.
l. To address fraud, security or technical issues, and respond to an emergency or otherwise protect your rights, property or security or that of said third parties.
m. To carry out all other legitimate and related purposes set out above.
The above parties may also process or disclose your information for the purposes set forth in section 2, so long as such processing or disclosure is in compliance with this Privacy Policy.
Further, PesoMaxy may also share your information with law enforcement or other government agencies in connection with a formal request, subpoena, court order, or similar legal procedure, or when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our agreements with you.
Referrals
To promote its products and services, PesoMaxy administers and services a referral program (the “PesoMaxy Referral Program”) for its current and future customers. If you choose to accept a referral from another PesoMaxy customer and accept a PesoMaxy loan in connection with that referral, PesoMaxy will provide a bonus to the customer who refers you upon your successful repayment of your PesoMaxy loan.
If you choose to participate in the PesoMaxy Referral Program as a referee, you specifically consent to the sharing of such anonymized information about your repayment status by accepting the referral, clicking on the imbedded referral link and subsequently applying for and accepting a PesoMaxy loan through such referral.
Sharing of your Information in connection with the PesoMaxy Referral Program will always be limited to the information described above and will always be anonymized – PesoMaxy will never share identifiable or personalized data about your repayment status (or any other personal data (as defined under applicable law) with any other customer or user or PesoMaxy. More information on the PesoMaxy Referral Program is available within the PesoMaxy App.
You agree to inform us promptly, and in any event, within 14 calendar days, in writing if there are any changes to your information supplied to us from time to time, and to respond promptly to any request from us,
4.1.When
4.1.1. you fail to provide promptly any user information or Personal Data that we reasonably requested;
4.1.2. you withhold or withdraw any consents that we may need to process, transfer or disclose Personal Data for the purposes of used disclosed above in this Privacy Policy (except for purposes connected with marketing or promoting products and services to you); and/or
4.1.3. we have, or a member of the Company has, suspicions regarding financial crime or an associated risk.
4.2.We may:
4.2.1. be unable to provide new, or continue to provide all or part of the services to you and reserve the right to terminate our relationship with you.
4.2.2. take actions necessary for us or a member of the Company to meet the compliance or regulatory obligations. and/or
4.2.3. suspend, transfer or close your account(s) where permitted under local laws.
You have the rights to:
Access your personal data in possession of the Platform.
Revoke the consent to the processing of your personal data, revise and/or delete the personal data in possession of the Platform unless the conservation of the said data is mandatory by laws and regulations, without retroactive effects, in all those cases in which such revocation, revision, and deletion do not imply the impossibility of fulfilling obligation derived from a current legal relationship between you and the Platform or when it comes to non-necessary purposes.
The exercise of the aforementioned rights must be carried out in writing by email to the following email address:cs@pesomaxy.com ，After the application has been submitted in the aforementioned terms, the Platform will issue the adopted determination.
This Privacy Policy may be updated from time to time and shall continue to remain in effect unless otherwise amended. If this Privacy Policy is changed, those changes will be posted on the Platform. The change will be effective when posted. Users availing services and/or visitors to the Platform are advised to check the website on a regular basis to remain aware of the policies and practices of how information is collected and used.
If significant changes to this Privacy Policy will affect certain Personal Data, the Company shall notify its Users through the email address provided or by posting a public notice on the Platform.
The foregoing consents and authorizations shall continue for the duration of, and shall survive the termination of any loan agreement(s) signed by the borrower, or any other transactions, dealings, arrangements and accounts which borrower may have with, or avail from, the Company and the lender through services and/or the Platform.
If you need help from us when there are any information, errors, doubts about the changes in your account without your permission or any of your transactions, you shall notify our customer service center via email: cs@pesomaxy.com or immediately write to the corresponding department with the following information:
• Your name and account name;
• The time and date of such transactions or changes;
• Error description and reference code (if applicable);
• Contact name and address, including email address (if any).
We will immediately investigate any errors or unusual activities reported and will inform you of the results as soon as possible.