Privacy Policy

01 Scope of this policy

This policy applies to all personal data collected by VerdePeso through this website, the VerdePeso mobile application and our customer service channels. By using our services, you acknowledge that you have read and understood this policy.

02 Information we collect

We only collect the information needed to provide and manage your loan:

• Identity information: full name, date of birth, gender and government-issued ID details.
• Contact information: mobile phone number, email address and residential address.
• Financial information: employment and income details, and the bank or e-wallet account used for disbursement and repayment.
• Device and usage information: device model, operating system, app version, IP address and interactions with our app and website.
• Loan information: application details, loan history, repayment records and communications with us.

03 How we use your information

• To verify your identity and prevent fraud.
• To assess your application and repayment ability.
• To disburse funds, process repayments and manage your account.
• To send service notifications by SMS, email and in-app messages.
• To respond to your inquiries and provide customer support.
• To comply with legal and regulatory obligations, including those set by the Securities and Exchange Commission.
• To improve the security and performance of our services.

04 Consent and legal basis

We process your personal data based on your consent, the performance of your loan agreement, our compliance with legal obligations, and our legitimate interests in operating a secure lending service. You may withdraw your consent at any time, although this may affect our ability to provide or continue a loan.

05 Sharing your information

We do not sell your personal data. We share it only when necessary and only with:

• Service providers that help us verify identity, process payments, send messages and host our systems, under strict confidentiality obligations.
• Credit bureaus and credit information systems, as permitted by law.
• Government agencies, regulators and courts, when required by law.

06 Security and retention

We use organizational, physical and technical measures to protect your personal data against loss, misuse and unauthorized access, including encryption, access controls and regular security reviews. We keep personal data only as long as needed for the purposes above or as required by law, after which it is securely deleted or anonymized.

07 Your rights

As a data subject under the Data Privacy Act of 2012, you have the right to:

To exercise these rights, contact us using the details below. You may also file a complaint with the National Privacy Commission.

08 Cookies

Our website uses cookies and similar technologies to keep the site working properly and to understand how it is used. Your cookie choice is stored only for your current browser session. You can also manage cookies in your browser settings.

09 Changes to this policy

We may update this Privacy Policy from time to time. The latest version will always be posted on this page with its effective date. Significant changes will be communicated through the app or by email.