RFC Loan Privacy Policy

Welcome to the RFC Loan platform/app. We are committed to protecting your privacy and ensuring that your personal data complies with the relevant laws and regulations of the Philippines, particularly the Data Privacy Act of 2012 (Republic Act No. 10173). This Privacy Policy outlines how we collect, use, store, process, disclose, and protect your information when you use RFC Loan services.

Company Name: RADIOWEALTH FINANCE COMPANY, INC.

SEC Registration Number: AS96000005-A

Authority Certificate Number: 173

App Name: RFC Loan

Before you register and use our services, please carefully read this Privacy Policy. By continuing to use the RFC Loan platform/app, you consent to our collection and processing of your personal information in accordance with this policy.

1. Personal Information We Collect

When you use our services, you may be required to provide the following types of information:

1.1 Identity Information

This includes your name, identification type and number, date of birth, place of birth, age, gender, marital status, education level, religion, home address, etc.

1.2 Contact Information

This includes your phone number, email address, etc.

1.3 Financial Information

This includes your bank account details, e-wallet account information, employment details, company name, company address, company phone number, monthly income, income source, salary date, and outstanding loans.

1.4 Device Information

This includes your device type, device name, language settings, region, operating system, browser type, IP address, and battery information, etc.

1.5 Other Information

This includes any other data generated or provided during your use of our services.

We may collect personal data directly from you or through your access to our services, websites, etc., including your device's IP address or data collected through cookies. We will not collect your personal information without your consent.

2. Purposes of Using Personal Information

The personal information we collect will be used for the following legitimate purposes:

2.1 Identity Verification

To verify your identity information.

2.2 Credit Assessment

To conduct credit checks, assess your creditworthiness and financial situation, and process your application.

2.3 Account Security Management

To ensure the security of your account and prevent unauthorized access.

2.4 Communication with You

For example, sending updates about your account or order, notifications, promotional activities, etc.

2.5 Fraud and Illegal Activity Prevention

We will use your data for fraud detection, legal affairs, and compliance checks, including Know Your Customer (KYC) procedures and Politically Exposed Person (PEP) screening.

2.6 Debt Collection

If you have outstanding debts, we may use your personal data for debt collection purposes.

2.7 Legal Obligations

To comply with relevant laws, regulatory requirements, and government directives.

3.Permissions: Camera, Photos, Battery, Location, and IDFA

To ensure secure, efficient services and enhance user experience, RFC Loan may request access to the following device permissions. These are only accessed with your explicit consent:

3.1 Camera Permission:

To streamline your loan application by capturing necessary documents (such as an ID card or other required files), we need access to your camera. Please allow camera permission to take photos and continue with your application.

3.2 Photo Album Permission:

To facilitate your loan application by uploading required documents or images (such as an ID card photo or other supporting materials), we need access to your photo album. Granting permission will enable you to select images from your gallery for a faster application process

3.3 Location Permission:

To ensure a secure and reliable loan application experience, we need access to your location. This helps verify your information and comply with regulatory requirements. Please enable location access to proceed.

3.4 Battery Optimization Permission:

For smooth operation and timely notifications, please disable battery optimization for this app. This prevents background restrictions, ensuring you receive important updates without interruption.

3.5 Network Permission:

A stable internet connection is required to complete your loan application and securely upload necessary documents. Please grant network access for a seamless experience.

All permissions are handled in compliance with applicable privacy laws and are used solely for legitimate and essential service needs. Your information remains protected and confidential at all times.

4. Updating and Correcting Your Personal Information

You are responsible for ensuring that the personal information you provide is accurate, complete, and up-to-date. You have the right to access your personal data held by us and request corrections. If you find any personal information to be inaccurate, incomplete, misleading, or outdated, you may send a change request via email to regielvalencia@radiowealth-finance.com.

5. Disclosure of Personal Information

To provide effective and ongoing services, we may disclose your personal data in the following circumstances:

5.1 Internal Disclosure

Disclosures to our employees, agents, parent companies, subsidiaries, and affiliates.

5.2 Partners and Service Providers

Disclosures to our contracted professionals, service providers, debt collection agencies, etc., for the fulfillment of contracts and provision of services.

5.3 Credit Reporting Agencies

Disclosures to national and local credit reporting agencies, credit reference agencies, and rating agencies.

5.4 Government and Regulatory Authorities

Disclosures to relevant government departments, regulatory authorities, courts, and other agencies requiring disclosure by law.

6. Data Storage and Destruction

We will retain your personal information in accordance with legal requirements and the needs of our services. The information will be stored in a secure environment and kept only for the duration required to fulfill the collection purposes. If you request the deletion of your information, we will destroy the data according to legal procedures to ensure it cannot be recovered.

7. Your Rights

Under the Data Privacy Act of 2012, you have the following rights:

8. Security Measures

We will implement appropriate security measures to protect your personal information from unauthorized access, use, disclosure, or leakage. We will regularly update and upgrade our technology to ensure data security.

9. Updates to the Privacy Policy

We may update this Privacy Policy regularly in response to changes in laws, regulations, or to improve our services. The updated Privacy Policy will be published on the platform or website and will be communicated to you appropriately. Your continued use of our services indicates your acceptance of the updated Privacy Policy.

10. Contact Us

If you have any questions or suggestions regarding the Privacy Policy, please contact us at:

Company Name: RADIOWEALTH FINANCE COMPANY, INC.

Address: 7th & 8th Floors DMG Center Building Domingo M. Guevara corner Calbayog Streets Mandaluyong, Metro Manila, 1550 Philippines

Email: regielvalencia@radiowealth-finance.com

11. User Consent Statement

By providing your personal information and using the services provided by RFC Loan, you fully agree to the terms of this Privacy Policy. You confirm and agree:

12. Children’s Privacy Policy

We do not provide services to individuals under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we discover that we have collected personal data from individuals under 18 without parental consent, we will take steps to delete that information from our servers.

13. Account Deletion

If you wish to delete your RFC Loan account, you can delete your account through the "Me - Delete Account" section within the app, or by sending an email request to regielvalencia@radiowealth-finance.com. We will process your request after verifying your identity.