Before using FreshPeso (abbreviated as app or application or we), please read and fully understand the contents of this policy. This policy applies to services we provide through websites, mobile applications, application programming interfaces (API), and any other technological means that may emerge in the future. If a specific service has its own independent privacy policy, that policy shall prevail; otherwise, this policy will apply.
This Privacy Policy is intended to comply with the laws of the Republic of the Philippines. It conforms to Republic Act No. 10173 issued by the National Privacy Commission, also known as the Data Privacy Act of 2012. This Act applies to the processing and collection of information provided by customers, as well as the collection, use, storage, processing, disclosure, and protection of such information by FreshPeso, its affiliates, and related entities.
When you use FreshPeso and its services, this Privacy Policy explains to our users or potential users of our policy your privacy rights regarding our collection, use, storage, processing, disclosure, and protection of your information. We only collect personal information when necessary and relevant to our transactions with you. We will use the data and information you provide to us only in the manner described in this Privacy Policy and solely for the specified purposes. To protect the security and confidentiality of your personal data, we have implemented appropriate technical and organizational measures and continuously upgrade our technology for this purpose. We retain your information only as long as permitted and required by law or as necessary for the purposes for which it was collected.
1.Personal Information Collection
When you register for FreshPeso to create an account or use our products/services through the APP/mobile program or website, you may be required to provide necessary detailed information to determine your identity. It may include: (1) Identity information: your full name, document type and document number, date of birth, age, gender, marital status, educational background, residential address; (2) Contact information: such as mobile number, email address, Facebook account; (3) Financial-related information: such as bank account, e-wallet account, work information, company name, monthly income, income source, payment date and outstanding loans; (4) Device information: for example, your device type, device name, language settings, region, operating system, browser type, IP address and battery information; (5) Contact list: information of your 4 emergency contacts, including their relationship with you and their phone numbers. This information is only used to verify your identity, assess eligibility, analyze credit risk and prevent fraud; (6) Other information: camera, storage, media, photos and files, installed applications, and any other data related to your use of our products/services; We may collect personal data directly from you or from various sources, including your submissions, analysis of how you use and manage our accounts, government and regulatory agencies, law enforcement agencies, third parties, public sources or registrations, and information collected when you visit our website, such as your device's IP address or data collected through cookies. Without your consent, we will not collect personal information and data from you. Unless otherwise restricted, we will only collect this information after obtaining your consent to disclose your personal information.
2.Information Collected During the Use of the App/Application or Website
(1) Image Information After obtaining authorized consent, we will collect photos taken by the user during the loan application process, as well as photos actively selected and uploaded by the customer. We will not access, retrieve, or collect any other photos from your device's gallery. Purpose: Solely for KYC verification and anti-fraud checks, to prevent potential fraudulent activities and protect your account security. Data Processing: Data will be encrypted and uploaded to our servers https://www.FreshPeso.top/. We will not share any data with any third parties.
(2) Camera Information We cannot access stored photos and videos, but accessing the camera requires your consent. After obtaining authorized consent, we need permission for camera information to take pictures of documents and images for the required loan application, perform facial recognition to verify your identity, and ensure your account is operated by yourself. Purpose: We will use this information to detect fraud or unauthorized operations on your account to protect your account and financial security. Data Processing: Data will be encrypted and uploaded to our servers https://www.FreshPeso.top/. We will not share any data with any third parties.
(3) Contact List After obtaining authorized consent, you can provide emergency contact information through the contact list, including name and phone number, etc., to enhance your credit profile. Before providing this information to us, please ensure he/she has accepted providing the emergency contact information to us/referring to us, as by granting us, the holder guarantees he has obtained consent to process his/her data according to the scope of the privacy statement. Purpose: Used for customer assessment and auditing, aiming to prevent fraud. The provided information strengthens the audit system, speeds up the approval process, thereby providing better service to customers. Furthermore, we commit that we will only call your authorized emergency contacts when you default on your loan and we are unable to contact you. The sole purpose is to transmit relevant information to you or obtain your valid contact information. We will not provide any information about your account to third parties. Data Processing: Data will be encrypted and uploaded to our servers https://www.FreshPeso.top/. We will not share any data with any third parties.
(4) Approximate Location Information After obtaining authorized consent, we will collect the approximate location information of your device to facilitate your loan application service and provide personalized offers. When the application runs in the foreground on your device, we will collect approximate location data to auto-complete your address information. When the application is in the background, we will stop collecting your geographical location data. You can always choose to turn off location tracking on your mobile device. Purpose: User risk assessment and account security. Data Processing: Data will be encrypted and uploaded to our servers https://www.FreshPeso.top/. We will not share any data with any third parties.
(5) Installed Applications Information After obtaining authorized consent, we collect installed applications information in the background. We need metadata information for each installed application, including the application name, package name, installation time, update time, version name, and version code of each application installed on the device, to assess your credit and provide you with pre-approved personalized loan offers. Purpose: Credit assessment, detecting fraud, and ensuring the safety of your funds. Data Processing: Data will be encrypted and uploaded to our servers https://www.FreshPeso.top/. We will not share any data with any third parties.
(6) Collection of Device Information With your consent, we collect device information in the background, including the International Mobile Equipment Identity (IMEI), device brand, model, operating system version, unique device identifier, device network environment, WiFi connection, device status, International Mobile Subscriber Identity (IMSI), application software information, and device memory information. This ensures that other mobile phones cannot replace the primary device when applying for a loan, thereby preventing fraud. Purpose: To prevent fraudsters from stealing your account and to protect your account and financial security. We are committed to encrypting information and ensuring information security; therefore, this information will be encrypted and uploaded to https://www.FreshPeso.top/.
(7) Others With your consent, we collect memory, application service interaction, crash information, and other information you allow us to access so that we can assess your eligibility. The aforementioned information will be used to analyze application performance and provide you with a better service experience. We are committed to encrypting information and ensuring information security; therefore, this information will be encrypted and uploaded to https://www.FreshPeso.top/.
3. Purposes of Information Collection
A. Verify your identity;
B. Contact users;
C. Assess your eligibility for using our products and services;
D. Detect and prevent fraud, money laundering, and/or other illegal use of our services;
E. Conduct data analysis, identify usage trends, and evaluate and improve our services, products, and your experience.
4. Use of Information
A. Provide and maintain our services, including monitoring the usage of our services;
B. Monitor, detect, analyze, and prevent actual or suspected crimes, fraud, and business risks;
C. Develop, enhance, and maintain risk control assessment processes and models;
D. Measure consumer interest in and satisfaction with our products and services;
E. Disclose your data to meet legal and regulatory requirements.
5. Disclosure and Sharing of Personal Information
When you use our services, it shall be deemed as your consent for FreshPeso to collect, store, use, and disclose your personal information.
FreshPeso will never display, rent, or sell your personally identifiable information to others.
Exceptions include:
A. When disclosure of your personal information is necessary to provide the products and services you request;
B. When we need to provide information to companies that provide products or services on our behalf (unless we notify you otherwise, these companies are not authorized to use your personally identifiable information);
C. When we need to comply with a court subpoena, court order, or legal proceedings.
FreshPeso is not responsible for the collection, disclosure, and/or use of your personal information provided to any third-party websites.
6. Security of Personal Information
We value the personal information collected, used, retained, and stored through the platform.
To protect personal information from unauthorized access, use, or disclosure, we use encryption methods such as base64 and displacement to transmit personal information to https://www.FreshPeso.top/ and store it encrypted on servers located in the Philippines.
To ensure information security and protect it from any form of fraud, we strive to maintain and restrict access to personal information through the latest technological means, physical forms, and other measures, so that your personal information is not corrupted or lost.
7. Retention of Personal Information
We retain personal information, including basic information, APP usage information, camera information, image information, approximate location information, installed applications information, device information, read phone status information, answer call information, read call log information, and SMS information.
We retain users' personal information for the following purposes:
A. The information remains necessary for our services and for a reasonable period after service completion.
B. Retention is required to comply with any legal and regulatory obligations.
C. The processing of personal information no longer needed for our services will be conducted securely in accordance with all applicable laws and regulations.
8. Deletion of Personal Information
If you wish to stop using our services and delete your personal information, it can be done in the following three ways:
A. You can directly delete your personal information on the application by following the steps below.
(1) Log in to your account by entering the one-time password.
(2) Go to the account page and click into the "Delete Personal Data" section.
(3) Select and click the delete button, then click the confirmation button that pops up to delete personal information.
B. You can request us to delete your personal information.
Please send us a request email to delete personal information, and we will complete your request within five days.
C. You can wait for us to automatically delete your personal information.
When you stop using our services for more than 12 months, we will automatically delete your personal information.
If you still have unpaid bills, you will not be allowed to delete your personal information.
Only after all your bills are settled can you successfully delete your personal information through the three methods mentioned above.
9. Minors
Minors shall not use our products/services for any purpose. FreshPeso does not intentionally collect personal information from minors for any purpose. If you believe that FreshPeso possesses personal information of a minor without parental/guardian consent, please contact us to delete such information.
10. Contact Us
If you have any questions, please feel free to contact us via email.