Moneycat.ph is uploading users' images information to https://ph-mob-app.moneycat.ph in order to ensure the correct operation of the client service, to exclude cases of fraud.
While using the Website, we may ask you to provide us with certain personally identifiable information that can be associated with you or that can be used to contact or identify you. Personally identifiable information may include, but is not limited to: a) contact information – such as your full name, contact number, email address, postal address, and other similar information; b) Financial Information – such as full bank account details and/or credit card details; and c) sensitive personal information – such as date of birth, marital status, and/or government-issued ID details (collectively "Personal Information"). Personal identifiable information does not include anonymous or aggregated information in a way that does not allow to identify a specific person. We may also require photographs of your Personal Information, as may be applicable, during the application process or while the loan is still active, in order to verify all information, you supplied to the Company.
Our company's business is to help trustworthy clients get access to financial resources. We carry out our financial transactions using a mobile application. We use specially developed rules to protect our clients and investors from scammers and to ensure the security of financial transactions. These rules are based on the analysis of installed applications on a mobile device and effectively identify fraudsters who copy our application to deceive our customers and produce a lot of fraud attacks. We do not use the received installed applications information for any purpose other than to ensure the safety of our customers and investors.
We reserve the right, with prior notice to you, to amend the type of Personal Information you may need to provide by adding new components or deleting existing components from our required identification procedure from time to time.
We may also collect your Personal Information from other sources, such as any information you provide us directly or indirectly, including information collected that you have provided us through other related services, including our customer support team.
The Personal Information we collect from you will be used to allow us to perform the
Services requested from us. We may use your Personal Information to:
We do not share your Personal Information with any third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization.
We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Services-related actions or to assist us in analyzing how our Service is used, or to assist us in the collection of delinquent accounts. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose, use, or store your Personal Information for any other purpose.
As a borrower, I voluntarily agree and consent to the collection, use, processing, access and disclosure of my personal information and data to the Company and the Company’s counterparts, affiliates, subsidiaries and third-party partners which may include but not limited to its telecom partners (Globe Telecom Inc., SMART Communications, etc.), credit scoring providers, and other service providers for legitimate purposes such as data analytics, credit scoring and verification, business development, statistical analysis and demographics, fraud detection and investigation, and to the furtherance of our services.
Further, I voluntarily agree and consent that the Company shall have unlimited access to my mobile device data such as but not limited to SIM, IMEI, IOS, devise settings, user account information, device specifications, location data, phone data and such other telecommunication usage data or “telco usage score” during and after the lifetime of the loan for purposes of credit scoring, marketing purposes, improvement of services, customer support and assistance, and other legitimate purposes.
We may share your Personal Information with third-parties, which includes, but is not limited to the following entities:
Please note that some of these third parties may be located in other countries with different rules and regulations on processing personal information. By agreeing to this
Use of the Website is not aimed at persons under 18 years old and we will not collect, use, provide or process in any other form any personal information of persons under the age of 18 deliberately.
We therefore also ask you, if you are under 18 years old, please do not send us your personal information (for example, your name, address and email address). If you are under 18 years old and you nevertheless wish to ask a question or use this Website in anyway which requires you to submit your personal information please get your parent or guardian to do so on your behalf.
If you would like to review, change or delete any Personal Information you have supplied us with, please contact us immediately using our contact information listed below.
We retain your Personal Information no longer that it is necessary and relevant for our Services for the period of 1 (one) calendar year. We may also retain Personal Information to comply with the requirements of any laws and regulations, to prevent fraud, to resolve disputes and various troubleshoot problems, and to take other actions permitted or required by applicable laws and regulations. Under our data policies, we will dispose Personal Information in a secured manner and in accordance with applicable laws and regulations, after such Personal Information is no longer necessary and ceases to be relevant for our Services, unless applicable laws and regulations require otherwise, or unless the requested by the user in writing.
To further secure the privacy of your Personal Information, we advise to keep your any account details confidential at all times.
If you believe your account or any of your personal data may have been misused or abused, or if you believe that the security and protection of your respective personal data may have been compromised, you may lodge your inquiries and complaints to the Contact Information below and briefly discuss such matter, together with your contact details for reference. If you are not satisfied with the manner of how your complaint was handled, or if you still believe that there exists a threat of breach of your Personal Information, you may directly lodge your complaint with the National Privacy Commission.