PRIVACY POLICY
User Privacy Policy Statement
By signing up for, accessing, or using the SeaMoney Loan-Loan App Quickly in the Philippines (hereinafter referred to as the “App”) and its related services (collectively referred to as the “Services”), offered by SEAMONEY CREDIT FINANCE PHIL INC (hereinafter referred to as the “Company,” “we,” “us,” or “our”), you acknowledge that you have read, understood, and agreed to the terms outlined in this Privacy Policy. Your continued use of the Services indicates your explicit consent to the collection, processing, transfer, and storage of your personal information as described in this policy.
This Privacy Policy is designed to explain how we collect, use, disclose, and protect your personal information when you interact with the App and our Services. We are committed to safeguarding your privacy and ensuring that your data is handled securely and in accordance with applicable laws, including Republic Act No. 10173, also known as the Data Privacy Act of 2012.
Unless otherwise defined, terms used in this Privacy Policy have the same meanings as those outlined in our Terms and Conditions.
Scope of this Policy
This Privacy Policy applies to any personal information we collect in connection with your interactions with us as a user, customer, or potential customer. It governs the collection, use, storage, processing, disclosure, and protection of your personal information when you access or use the SeaMoney Loan-Loan App Quickly and any related services we provide (hereinafter referred to as the "Services").
Your personal information will be collected and processed solely for the purposes described in this Privacy Policy. These purposes include, but are not limited to, enabling the provision of our Services, verifying your identity, processing loan applications, managing your account, conducting credit checks, facilitating communication with you, and ensuring compliance with applicable laws and regulations. We may also use your information to improve and personalize the Services we offer.
We will only collect or process your personal information with your explicit consent, or if it is necessary to fulfill a contractual obligation, comply with legal requirements, or protect your vital interests. Personal information will only be gathered when it is relevant and necessary to our transactions or interactions with you.
Changes to the Privacy Policy
We reserve the right to modify or update this Privacy Policy at any time. Any changes will be posted on the App or our official website. While we strive to inform you of significant changes, we recommend checking this Policy periodically for updates. Your continued use of the App and our Services following any modifications signifies your acceptance of the revised terms. If you do not agree with any changes, you must discontinue use of the Services.
By using our Services, you acknowledge and agree to the collection, processing, and sharing of your personal information as described in this Privacy Policy, including any subsequent updates.
Information We Collect
We collect the information needed to facilitate your use of our services, in accordance with applicable laws. We will gather only the information that is necessary for processing your requests and will not use it for any other purposes. The types of personal information we collect may include:
· Identity Information: Your full name, identification number, facial photo or video, background details, physical and mailing addresses, contact numbers, and email addresses.
· Technical Data: Internet Protocol (IP) addresses, device operating systems, browser types, and contact preferences.
· Financial Details: Information related to your financial status, such as credit scores and other data affecting your creditworthiness.
· Other Data: Additional information generated through third-party services or interactions.
We may collect and receive this personal information from various sources, which may include but are not limited to the following:
1. Information you provide directly when submitting your data;
2. Insights derived from how you use and manage your account with SeaMoney Loan-Loan App Quickly
3. Publicly accessible sources or registries;
4. Government bodies, regulatory agencies, or law enforcement entities;
5. Telecommunications providers or mobile network operators;
6. Authorized third parties and other external sources;
7. Information generated or collected through your interaction with our app, including data collected via cookies or other tracking mechanisms.
This information will only be collected if you provide explicit consent, unless otherwise restricted by law.
SeaMoney Loan-Loan App Quickly reserves the right to request additional documents to verify the details you provide. By submitting any personal information to us, our authorized agents, or through our platforms, you guarantee that all provided information is accurate and truthful.
How We Use Your Personal Information
The main reason we collect your personal data is to ensure that you have a secure, efficient, and personalized experience while using SeaMoney Loan-Loan App Quickly. Throughout your interaction with our services, we may use, process, and share your information with our affiliates, subsidiaries, and trusted partners for the following purposes ("Authorized Purposes"):
1. To verify your identity and authenticate your account;
2. To review, assess, and process your applications for products or services offered by SeaMoney Loan-Loan App Quickly;
3. To address any queries or complaints you may have, send updates and reminders, and respond to any concerns or disputes;
4. To manage and maintain your accounts or services associated with SeaMoney Loan-Loan App Quickly;
5. To carry out credit assessments, verify your financial standing, and assist other institutions in performing credit checks;
6. To evaluate and better understand your financial needs;
7. To provide marketing or promotional offers with your consent;
8. To retain your credit history for both present and future reference purposes;
9. To identify, prevent, and investigate fraud, illegal activities, or any breaches of our terms and disclose such information for legal compliance, including Know Your Customer (KYC) obligations;
10. To comply with legal and regulatory requirements, including responding to civil or criminal legal processes;
11. To collect debts owed to us and enforce any obligations related to your use of SeaMoney Loan-Loan App Quickly;
12. To conduct research and generate data analysis reports, helping us improve our products and enhance customer satisfaction;
13. To keep you informed about services or products, including third-party offerings that may be relevant to your interests;
14. To validate and ensure the accuracy of our records, as well as verify the data we hold through third parties;
15. To enhance and tailor the user experience by analyzing trends, optimizing our services, and refining our business operations;
16. To facilitate our internal business decisions, such as risk management, financial planning, and ensuring compliance with audits and regulatory guidelines;
17. To transfer or assign our rights and obligations under any agreements between you and SeaMoney Loan-Loan App Quickly;
18. To transfer your personal data to local or international jurisdictions for processing, storage, or in connection with contract execution, service delivery, or legal proceedings;
19. For any other purposes permitted or required by applicable laws, regulations, or orders.
20. To ensure the security of user accounts by identifying unusual account activity, enforcing security measures (like two-factor authentication), and conducting risk assessments to prevent unauthorized access or breaches.
SeaMoney Loan-Loan App Quickly may request specific permissions from your device to enable enhanced features and ensure the app's optimal functionality. The permissions we may request include:
· Calendar Access:
We request access to your device’s calendar to help you manage your loan repayment schedule effectively. We do not access, modify, or delete any unrelated calendar events without your explicit consent.
· GPS Location Access:
GPS location data is used to auto-filling your address during loan applications to streamline the process and verifying your location for fraud detection and prevention. You can be disabled at any time through your device settings.
· Contacts Access:
Access to your device’s contacts allows you to easily select guarantors or co-makers for your loan application. This simplifies the application process and reduces manual input errors. We do not store or use your contact list beyond the scope of this purpose.
· Device Information Access:
We collect technical information about your device. This data helps us monitor app performance, troubleshoot technical issues, and ensure that the App functions smoothly across different devices.
Additionally, SeaMoney Loan-Loan App Quickly employs cookies, pixel tags, and web beacons to gain insights into user behavior, helping us understand which sections of our app and services are most used. These tools also allow us to evaluate the effectiveness of our advertisements and enhance search capabilities within the app.
If you prefer to disable cookies or tracking technologies, you can adjust your browser or device settings accordingly. However, please be aware that disabling these features may limit some functionalities of the app, potentially affecting your experience. We recommend reviewing your browser/device documentation for instructions on how to manage cookies and other tracking tools.
Disclosure of Your Personal Information
SeaMoney Loan-Loan App Quickly is committed to maintaining the confidentiality of your personal data. We only disclose your information as outlined in this Privacy Policy, and always in compliance with applicable laws, regulations, and guidelines. In order to deliver our services effectively and seamlessly, you consent to us sharing, disclosing, or otherwise processing your personal data with the following parties, both within and outside the Philippines:
1. Our Affiliates and Partners:
We may share information with our subsidiaries, parent companies, affiliates, and associated entities, all of whom assist us in providing our services.
2. Service Providers and Contractors:
This includes professional advisers, third-party contractors, debt collection agencies, and other entities that provide services under contract to support the functionality of our platform.
3. Credit Bureaus and Agencies:
We may disclose your data to local and national credit bureaus, credit reporting agencies, reference agencies, rating agencies, insurers, and insurance brokers, for purposes related to credit evaluation, scoring, or risk assessment.
4. Financial Institutions:
Information may be shared with other financial service providers who work with us to offer the products and services you’ve signed up for, or to assess your creditworthiness.
5. Business Transfers or Transactions:
In the event of a business transfer, merger, sale, or assignment of our rights and obligations, your personal data may be shared with the acquiring or participating entity.
6. Guarantors or Security Providers:
Any personal data relevant to guarantors or parties providing collateral for financial services offered to you may be disclosed when necessary.
7. Government Authorities and Regulators:
We may share your information with relevant government bodies, regulators, and authorities for the purpose of complying with legal obligations, regulatory requirements, or court orders.
8. Strategic Partners:
Your data may be disclosed to business partners with whom we collaborate for offering specific services or promotions, subject to confidentiality agreements.
9. Enforcement of Rights:
Information may be disclosed to any party involved in the enforcement or protection of our rights, including legal counsel or entities involved in dispute resolution.
10. Authorized Parties:
We will share your personal data with any other parties as authorized by you or as required by applicable laws.
11. Dispute Resolution Services:
Should any conflicts or disagreements arise regarding your account or loan, we may share your information with third-party dispute resolution services, mediators, or arbitrators involved in resolving the matter.
12. IT and Data Security Providers:
Data may be shared with IT support, cybersecurity experts, and technology vendors who maintain and secure our systems and infrastructure, ensuring that your information is protected from breaches and unauthorized access.
Updates to Your Personal Information
To ensure the accuracy and effectiveness of the services we provide, it is important that the personal information you submit to SeaMoney Loan-Loan App Quickly remains accurate, complete, and up-to-date. As a user, you are responsible for promptly notifying us of any changes to your personal data, including changes in your contact information, employment status, or any other relevant personal details. Failure to update your information may affect your access to our services or result in communication issues.
You also have the right to review, request access to, and request the correction of any personal information we have collected from you. If you believe that any of your information is inaccurate, incomplete, outdated, or misleading, you may contact us to request updates or corrections. We are committed to ensuring that your personal data is correct and that any inaccuracies are promptly addressed.
How to Update Your Information
You can update your personal information at any time by contacting us via email or by sending a written request to SeaMoney Loan-Loan App Quickly at the designated contact details provided in this Privacy Policy or in our App. When submitting a request for data updates or corrections, please include the specific details that need to be changed or rectified.
Verification of Identity
To protect your privacy and security, we will take reasonable steps to verify your identity before processing any requests for data updates or corrections. This may include requesting additional documentation, such as valid identification or other documents, to confirm your identity or to validate the authenticity of the request. We will process your request and make the necessary updates as soon as reasonably possible once we have verified your identity.
Data Rectification Timeline
Upon receiving a valid request for an update or correction, we will take appropriate steps to rectify the personal information in our records. We aim to complete the update promptly, though the time required may vary depending on the nature of the change and any legal or operational requirements.
If we are unable to process your request due to insufficient information or failure to verify your identity, we will inform you of the reason and outline the steps needed to proceed.
Minors
Our products and services are not intended for use by minors. SeaMoney Loan-Loan App Quickly does not knowingly collect any personal information from individuals under the age of 18. If we discover that we have inadvertently collected information from a minor without parental or guardian consent, we will take immediate steps to delete that data.
If you are a parent or guardian and believe that your child has provided personal information to us without your consent, please contact us immediately, and we will ensure that such information is removed from our records.
Safeguarding Your Personal Information
We are dedicated to ensuring the security of your personal data. SeaMoney Loan-Loan App Quickly adheres to all applicable laws and best practices when it comes to protecting your information. We employ a variety of physical, administrative, and technical safeguards to prevent unauthorized access, alteration, disclosure, or misuse of your personal information.
Our comprehensive security program includes measures such as encryption, firewalls, access controls, and regular security audits. These controls are designed to prevent and detect unauthorized access, with corrective actions taken as needed. We regularly review and update our security protocols based on ongoing risk assessments to ensure your information remains safe.
However, while we strive to protect your data, please note that no system is completely secure, and we cannot guarantee the absolute security of your personal information.
Withdrawal of Consent
You have the right to withdraw your consent to the collection, use, or processing of your personal data at any time. If you wish to revoke any permissions previously granted to SeaMoney Loan-Loan App Quickly, you may contact us via email to communicate your objection. Once your request is processed, we will cease using your personal data for the purposes specified in your objection.
Please note that withdrawing consent may affect your ability to use certain features of the app, including access to services that require your personal information to function properly.
Retention and Deletion of Personal Data
We will retain your personal data, including registration and transaction records, for the longest applicable time period among the following: (1) a duration of up to ten (10) years, (2) the period required to fulfill the purposes outlined in this Privacy Policy, or (3) the period necessary to comply with any applicable legal, regulatory, or industry requirements. This retention is also in place to support the establishment, exercise, or defense of legal claims or for legitimate business purposes, in line with industry standards.
Once your personal data is no longer required or legally permissible to retain, we will securely erase or anonymize it. The data will be destroyed in a way that prevents any further processing, unauthorized access, or disclosure. We take appropriate measures, both physical and technical, to ensure that your data is irretrievable and unusable once disposed of, preventing any risk to the data subjects.
Data Portability
Should you wish to transfer your personal data to a third party, SeaMoney Loan-Loan App Quickly will facilitate such a transfer, provided that it is technically feasible. Please note, however, that once the data is transferred to a third party, we are not responsible for the security or handling of your personal information by that entity. Additionally, we reserve the right to decline the transfer if it would infringe upon the rights or interests of another person. In such cases, all legal rights and remedies available to SeaMoney Loan-Loan App Quickly remain fully reserved.
Your Rights
At SeaMoney Loan-Loan App Quickly, we carefully consider how we use your personal information and always strive to handle it fairly and transparently. In accordance with applicable laws, including the Data Privacy Act (DPA) of the Philippines, you are entitled to the following rights regarding your personal data:
1. Right to Withdraw Consent:
You have the right to refuse or revoke any previously granted consent for the collection, processing, or use of your personal information at any time.
2. Right to Access:
You are entitled to request access to the personal data we hold about you. This includes the right to inquire about how your information has been processed.
3. Right to Correction or Deletion:
If you believe that the personal information we hold is inaccurate, outdated, or incomplete, you have the right to request corrections. Additionally, you may request the removal of any erroneous or irrelevant data.
4. Right to Erasure:
You have the right to request the deletion or destruction of your personal data in certain circumstances, especially if the data is no longer necessary for the purposes for which it was collected.
Please note that the rights listed above are a general summary and may differ from the exact wording or additional rights detailed in the Data Privacy Act (DPA). For a complete and accurate list of your rights, please refer to the text of the DPA. All rights guaranteed by the DPA are incorporated into this Privacy Policy and may be exercised at your discretion.
Data Protection Officer (DPO)
The Data Protection Officer (DPO) is responsible for overseeing the compliance of SeaMoney Loan-Loan App Quickly with all applicable data privacy laws and regulations. The DPO ensures that your personal information is handled in accordance with the standards outlined in this Privacy Policy and oversees the enforcement of data protection practices across the organization.
If you have any questions, concerns, or complaints regarding your personal data or how it is being handled, you may contact our DPO using the details below:
Data Protection Officer
Email: info@seamoneyph.com
We encourage you to reach out to the DPO for any data privacy issues, and we will address your concerns promptly.
Inquiries and Complaints
You have the right to raise objections at any time regarding the processing of your personal information, as permitted under Philippine law. You can also object to the processing of your data for any purposes outlined in this Privacy Policy. Should you have any inquiries, requests, concerns, or complaints about how your personal data is being handled, or if you wish to exercise any of your data privacy rights, you may reach out to SeaMoney Loan-Loan App Quickly.
We are committed to addressing your concerns promptly and will acknowledge your query as soon as possible. We will also provide you with an estimated timeframe for when you can expect a response to your inquiry or complaint.
Privacy Policy Updates
SeaMoney Loan-Loan App Quickly reserves the right to modify or update this Privacy Policy periodically. We encourage you to review this Policy frequently to stay informed of any changes. Any updates to the Privacy Policy will apply to all personal information we hold and process from the date of the update onwards.
If you do not agree with the updated terms of the Privacy Policy, you may contact us to address your concerns or request further clarification.
Consent and Acknowledgment
By voluntarily providing us with your personal data, you are giving your explicit consent for SeaMoney Loan-Loan App Quickly to collect, use, process, and disclose your information as detailed in this Privacy Policy. This includes the sharing of your data with our affiliates, subsidiaries, and trusted partner institutions.
If you do not agree with the terms outlined in this Privacy Policy regarding how we handle your personal information, we ask that you refrain from providing any data requested by the app and discontinue your use of our products and services. By continuing to use and engage with our platform, you acknowledge and accept the practices described in this Privacy Policy regarding the handling of your personal data.
Contact Us
If you have any questions, concerns, or requests regarding your personal information or the way SeaMoney Loan-Loan App Quickly processes your data, please contact our customer service team:
Email: support@seamoneyph.com
We are here to assist you and will respond to your queries as promptly as possible.