Privacy Policy for Bilis Cash

Last Updated: October 26, 2023

Bilis Cash ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services (the "Service").

Please read this Privacy Policy carefully. BY DOWNLOADING, INSTALLING, OR USING THE APPLICATION, YOU SIGNIFY YOUR UNDERSTANDING AND EXPRESS CONSENT TO THE COLLECTION, USE, AND DISCLOSURE OF YOUR PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. If you do not agree with this policy, please do not use our Service.

1. Information We Collect

We collect several types of information to provide and improve our Service to you.

1.1. Personal Information You Provide:

· Identification Data: Full name, date of birth, gender, nationality, and photographs of your government-issued IDs (e.g., SSS ID, UMID, Driver's License, Passport).

· Contact Information: Mobile number, email address, residential address.

· Financial and Employment Information: Occupation, employer details, income range, bank account number, and e-wallet details (e.g., GCash, Maya).

· Credit Information: Data related to your creditworthiness and loan repayment capability.

1.2. Information Collected Automatically:

· Device Information: We automatically collect information about your device, including its model, operating system version, unique device identifiers (e.g., IMEI, IMSI), IP address, mobile network information, and performance data.

· Usage Data: We collect data on how you interact with the App, such as the features you access, the time spent on pages, and your click-through actions.

1.3. Information We Access with Your Permission:
To perform credit scoring and prevent fraud, we will request your explicit consent to access certain information on your device. We will never access this information without your clear, prior permission.

· Contacts: To verify your emergency contacts.

· SMS Messages: To analyze financial behavior (e.g., transaction alerts from banks) for credit assessment and to send you repayment reminders. We strictly do not read or collect your personal or private conversations.

· Call Logs: We may collect data about call history (e.g., call duration and type) for risk assessment. We do not record or access call audio or content.

· Installed Applications: A list of applications on your device may be analyzed to help assess your credit profile.

2. How We Use Your Information

We use the collected information for the following purposes:

· To verify your identity and evaluate your eligibility for a loan.

· To process your loan application, disburse funds, and manage repayments.

· To provide customer support and respond to your inquiries.

· To detect, prevent, and investigate fraud, money laundering, and other illegal activities.

· To communicate with you regarding your account, send transaction confirmations, and important service-related notices, including repayment reminders.

· To send you promotional offers and marketing communications (you may opt-out at any time).

· To improve, personalize, and develop our App and services.

· To comply with applicable legal and regulatory requirements in the Philippines.

3. Sharing and Disclosure of Your Information

We may share your information in the following situations:

· With Service Providers: We share data with trusted third-party vendors who assist us in operations, such as cloud hosting, data analytics, payment processing, SMS delivery, and customer support. These partners are bound by contractual obligations to keep your information confidential.

· With Credit Bureaus: As required by Philippine law, we may report your loan data and repayment history to accredited credit bureaus.

· For Legal Reasons: We may disclose your information if required to do so by law, such as in response to a court order, subpoena, or request from a government authority. We may also disclose information to protect our rights, property, or safety, or that of our users or others.

· Business Transfers: In the event of a merger, acquisition, or sale of our assets, your information may be transferred to the new entity.

· With Your Consent: We may share your information for any other purpose with your explicit consent.

4. Data Storage and Security

· Storage Location: Your personal data is stored on secure servers located within or outside the Philippines. In all cases, we implement measures to ensure your data is protected to the standard required by the Philippine Data Privacy Act.

· Security Measures: We implement appropriate administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These include encryption, access controls, and secure socket layer (SSL) technology.

5. Your Rights Under the Data Privacy Act

As a data subject, you have the following rights:

· Right to Access: You can request details about the personal information we hold about you.

· Right to Rectification: You can request the correction of any inaccurate or incomplete data.

· Right to Erasure: You can request the deletion of your personal data under certain conditions.

· Right to Object: You can object to the processing of your personal data, including for direct marketing purposes.

· Right to Data Portability: You can request a copy of your data in a structured, machine-readable format.

· Right to Withdraw Consent: You may withdraw your consent to our collection and processing of your data at any time. Withdrawal may affect our ability to provide you with the Service.

To exercise any of these rights, please contact us using the details provided in Section 10.

6. Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with our legal obligations (such as tax and accounting laws), resolve disputes, and enforce our agreements.

7. Third-Party Links

Our App may contain links to other websites or services that are not operated by us. We are not responsible for the content or privacy practices of these third-party sites. We encourage you to review their privacy policies.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal data from a minor, we will take steps to delete that information.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this policy periodically for any changes.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:

Company Name: FuseCash Lending Corp.
Email: biliscash.service@gmail.com
Office Address: SUITE 9‐D THE VALERO TOWER VALERO ST. SALCEDO VILLAGE BEL‐AIR , CITY OF MAKATI, FOURTH DISTRICT,
NATIONAL CAPITAL REGION (NCR), 1209