Lender Information:
The loan services provided by Bilis Lend App are authorized by CEIMMARJ FINANCING INCORPORATED, CEIMMARJ FINANCING INCORPORATED is a lending institution approved by the Securities and Exchange Commission of the Philippines and subject to the authorization and supervision of the Securities and Exchange Commission of the Philippines under SEC Registration No. CS200308112 and Certificate of Authorization No. 330.
By visiting this Bilis Lend mobile application ("App") (collectively, the "Platform") and availing the services provided by us ("Services") you agree to be bound by the terms and conditions of this Privacy Policy.
By mere access to the Platform or any part thereof, you expressly consent to GOLD COINWAY LENDING CORP. ("we" or "our" or "us" or " GOLD COINWAY LENDING CORP.") use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform.
For the purpose of this Privacy Policy, the users of the Services may be customer/consumers, or any other persons using Services or accessing our Platform ("user" or "you" or "your").
If you do not agree to this Policy or any part thereof, please do not use or access our Platform or any part thereof.
COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION
When you use our Platform, whether our our App, we collect and store your information (personal information) which is provided by you from time to time by explicitly seeking permissions from YOU to get the required information. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience and services. This allows us to provide services and features that meets your needs, and to customize our Platform to make your experience safer and easier and to improve the services provided by us. More importantly, we collect personal information from you that we consider necessary for achieving the aforementioned purpose.
In general, you can browse the App without telling us who you are or revealing any personal information about yourself. However, to create an account on App, you must provide us with certain basic information required to provide customized services. The information we collect from you, inter alia, including:
- your full name;
- email;
- mailing address;
- family details;
- eduction;
- phone number;
- ID Card Number;
- job information
Where possible, we indicate the mandatory and the optional fields. You always have the option to not provide your personal information by choosing not to use a particular service or feature on the Platform. We also collect other identifiable information (your payment card details and transaction histories on the Platform) from you when you set up a free account with us as further detailed below. While you can browse some sections of our Platform without being a registered member as mentioned above, certain activities (such as availing of loans from the third party lenders on the Platform) requires registration and for you to provide the above details. The Platform shall clearly display the personal information it is collecting from you, and you have the option to not provide such personal information. However, this will limit the services provided to you on the Platform.
COLLECTION OF MOBILE NUMBER AND EMAIL ADDRESS
When you sign up with us, we collect your mobile number and email address to uniquely identify you. This helps us ensure that no unauthorised device or person is acting on your behalf.
COLLECTION OF LOCATION
We collect location information from your device to reduce the risk associated with your account.
COLLECT PERSONAL WORK INFORMATION
We need to obtain information about your job, including occupation, position and monthly income, so that we can better assess your financial income and expenditure and make reasonable judgments
CAMERA
We require the camera information permission to provide you an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.
COLLECTION OF DEVICE INFORMATION
The information the App collects, and how that information is used, depends on how you manage your privacy controls on your device.
When you install the App, we store the information we collect with unique identifiers tied to the device you"re using.
We collect information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device.
We collect information about your device to provide automatic updates and additional security so that your account is not used in other people"s devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behaviour, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
USE AND DISCLOSURE OF YOUR PERSONAL AND OTHER INFORMATION
We access, store and use the information we collect from to provide our Services, to research and develop new ones.
We use personal information to provide the services you request, to customize your user experience and to improve our services. To the extent we intent to use your personal information to market any product to you, we will provide you the ability to opt-out of such uses.
We use your personal information to:
- 1.resolve disputes;
- 2.troubleshoot problems;
- 3.help promote a safe service;
- 4.analytical analysis;
- 5.measure consumer interest and satisfaction in our products and services;
- 6.inform you about online and offline offers, products, services, and updates;
- 7.customize your experience;
- 8.detect and protect us against suspicious or illegal activity, fraud and other criminal activity
- 9.enforce our terms and conditions;
- 10.improvement of our services and as otherwise described to you at the time of collection
In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users' activity on our Website.
USE OF YOUR DEVICE INFORMATION
We use the information provided by You in the following ways:
- 1.to establish identity and verify the same;
- 2.monitor, improve and administer our Website / Platform;
- 3.provide our service i.e. perform credit profiling for the purpose of facilitating loans to You.
- 4.design and offer customized products and services offered by our third party financial partners;
- 5.analyse how the Website is used, diagnose service or technical problems and maintain security;
- 6.send communications notifications, information regarding the products or services requested by You or process queries and applications that You have made on the Website;
- 7.manage Our relationship with You and inform You about other products or services We think You might find of some use;
- 8.conduct data analysis in order to improve the Services / Products provided to the User;
We will use and retain Your information for such periods as necessary to provide You the Services on our Website, to comply with our legal obligations, to resolve disputes, and enforce our agreements.
CHANGES IN THIS PRIVACY POLICY
We reserves the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason. In case, any changes are made in the Privacy Policy, we shall update the same on the Website. Once posted, those changes are effective immediately, unless stated otherwise. We encourage you to periodically review this page for the latest information on our privacy practices. Continued access or use of the Services constitute Your acceptance of the changes and the amended Privacy Policy.
ACCESSING YOUR INFORMATION / CONTACTING US
At any point of time Users can choose to edit/modify or delete/withdraw any Personal Information shared for use of the Platform. Please note that deleting or withdrawing information may affect the Services we provide to you. In case of modification of Personal Information, Users will be required to furnish supporting documents relating to change in Personal Information for the purpose of verification by the Company.
YOUR PRIVACY CONTROLS
You have certain choices regarding the information we collect and how it is used:
- 1.Device-level settings: Your device may have controls that determine what information we collect. For example, you can modify permissions on your iOS device for access to Camera permissions.
- 2.Delete your entire App account.
- 3.You can also request to remove content from our servers based on applicable law or by writing to our Grievance Officer.
YOUR CONSENT
By using App and by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to Your consent for collecting, using, sharing and disclosing your information as per this privacy policy.
If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.