Ourcash VIP respects your right to privacy. Ourcash VIP is a mobile application software (“App”) available on the Google Play Store and Apple App Store (“App”) which you have downloaded onto your mobile phone, cell phone, or handheld device (Device). This policy summarizes what personal information we may collect, how we may use this information, who we share with, how long we retain, and your rights in relation to your privacy and data protection. It is Ourcash VIP’s policy to comply with all applicable privacy and data protection laws. This commitment reflects the value we place on earning and keeping the trust of our customers, business partners, and others who share their personal information with us. This Policy applies to all Internet sites and mobile applications operated by or on behalf of Ourcash VIP and includes other entities worldwide affiliated with Ourcash VIP. It also applies to personal information Ourcash VIP may otherwise collect: .(i) through our products and services; (ii) when you interact with us by means other than the Ourcash VIP Internet Site or App, i.e. in person, by telephone, or via other means of telecommunications; and (iii) from our employees, collectors, third party investigators, and other business partners (collectively “Business Partners”).
Personal Information that Ourcash VIP Processes
(i) contact information, such as your name, company name, job title, address, e-mail address, and phone number;
(ii) additional information about you to help us get to know you better, such as your gender, age, date of birth, nationality, professional associations and registration numbers, information about how you use our products, and demographic information;
(iii) comments, questions, requests, and orders you may make;
(iv) financial information needed to process loans and payments, such as credit card or account information or other banking information;
(v) log-in information, including, if applicable, social media account information for login purposes, if applicable;
(vi) information about your preferences, such as your preferred methods of communication and product types in which you are interested
(vii) your preferred phone contacts in your device needed for collection purposes will be requested to be manually selected and marked as your backup and emergency contacts, if in case the information provided in the credit agreement is false, invalid, or otherwise not responsive to our collection attempts. It is understood that when you have submitted your information to Ourcash VIP, you are expressly consenting to the collection and processing of such information for whichever purpose it may serve under the agreement.
Information Automatically Gathered from Your Device
Ourcash VIP may collect technical information about your devices, such as device type, browser type, IP address, operating system, and device identifier. Ourcash VIP collects this information automatically from your device and web browser through cookies and similar technologies subject to your consent.
Information about how you interact with us
Ourcash VIP may collect technical data about your usage of the Ourcash VIP App and how you interact with our digital advertisements and promotions. Ourcash VIP collects this information using cookies and similar technologies subject to your consent.
Ourcash VIP may collect location information, including precise real-time location information from your device and imprecise location information derived from, for example, your IP address. Ourcash VIP App will NOT access precise-real time location information from your device unless you grant permission to do so. Ourcash VIP’s access to location is for the protection of Ourcash VIP as our services are only rendered for those who are located in the Philippines. Ourcash VIP’s location access is limited for the purpose of granting the loan application and other allied services, if applicable.
Information from Business Partners and other Third Parties
Ourcash VIP may collect personal information through our Business Partners. This information may include contact information, such as name, company name, job title, address, e-mail address, and phone number for verification and validation purposes.
Ourcash VIP may also obtain personal information from other third-party sources, including publicly and commercially available sources. We may combine the information we receive from our Business Partners and other third-party sources with information that we collect from you or your device, as described above.
Ourcash VIP may use your personal information to:
Develop and manage our relationships with you and our Business Partners
(i) delivering services or carrying out transactions that you or our Business Partners have requested;
(ii) providing information about Ourcash VIP products, services, and transactions, and advertisements, that may be of interest to you;
(iii) providing you and our Business Partners a more consistent experience in interacting with Ourcash VIP, including by learning more about you and how you use and interact with Ourcash VIP Internet Sites, Apps, products, and services; and
(iv) planning, managing, and performing under our contractual relationships with our Business Partners.
Communicate with you
(i) informing you of Ourcash VIP products, services, and promotional activities that may be of interest to you;
ii) providing information about relevant Ourcash VIP products, services, and transactions, including, for example, pricing, information about product or service improvements;
(iii) responding to questions or inquiries that you make, including customer service requests;
(iv) inviting you to participate in, or informing you of the results of, customer satisfaction or market research surveys.
Provide and improve our Internet Sites, Apps, products, and services.:
i) customizing them to your preferences or interests, making them more compatible with your technology, or otherwise making them easier to use;
(ii) maintaining the security of and otherwise protecting them;
(iii) and developing new Ourcash VIP Internet Sites, Apps, products and services.
Address legal issues
(i) complying with our obligations to retain certain business records for minimum retention periods;
(ii) establishing, exercising, or defending legal claims;
(iii) complying with laws, regulations, court orders, or other legal processes;
(iv) detecting, preventing and responding to fraud, intellectual property infringement, violation of our contracts or agreements, violations of law, or other misuses of Ourcash VIP Internet Sites, Apps, products or services; and
(v) protecting Ourcash VIP’s rights or property, or yours or others’ health, safety, welfare, rights, or property.
Ourcash VIP may also use your personal information for other uses consistent with the context in which the information was collected or with your consent. Ourcash VIP may anonymize or aggregate any of the information we collect and use it for any purpose, including for research and product-development purposes. Such information will not identify you individually.
Ourcash VIP will not disclose your personal information except as described here:
Ourcash VIP may share your personal information with third parties we hire to perform support services for us such as but not limited to collection services, background investigation, skip tracing among others. These third parties are required to use the personal information we share with them only to perform services on our behalf and to treat your personal information in compliance with all applicable privacy and data protection laws. In some cases, Ourcash VIP may share your personal information with third parties who partner with us to provide products and services to our customers. If so, we will require our Business Partners to use that information in a manner consistent with this Policy, any applicable Specific Privacy Statements, and all applicable privacy and data protection laws. Ourcash VIP may share your personal information with third parties when we have a good faith belief that disclosure is necessary:
(i) to comply with a law, regulation, court order, or other legal processes;
(ii) to detect, prevent, and respond to fraud, intellectual property infringement, violation of our contracts or agreements, violation of law, or other misuses of Ourcash VIP Internet Sites, Apps, products or services;
(iii) to protect Ourcash VIP rights or property or yours or others’ health, safety, welfare, rights, or property; or
(iv) under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.
Ourcash VIP may share your personal information with third parties in connection with the sale, purchase, merger, reorganization, liquidation, or dissolution of Ourcash VIP or Ourcash VIP business unit, or under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information. Ourcash VIP may share your information with your permission or at your request. Ourcash VIP may share anonymized or aggregated information internally and with third parties for any purpose. Such information will not identify you individually.
The Applicant agrees that Ourcash VIP, directly or through its Partners, may collect, retrieve, process, use and store his/her personal data such as name, age, photographs, fingerprints, other biometric data (e.g., facial recognition and voice recognition), mobile number/s, mobile phone usage data, employment details, income, financial data, financial profile, credit standing, loan payment history, and other information required in the application form for the purpose of reviewing and processing the Applicant’s loan application. The Applicant consents to the collection of his/her personal data from the Applicant her/himself, or from other personal information controllers such as, but not limited to, telecommunications companies, for credit scoring purposes. The Applicant’s personal data such as mobile number, email address, and address, will be shared to a credit scoring service provider for credit investigation, credit scoring, data analytics, and data profiling, which includes the regular updating of the Applicant’s credit score. The personal data secured may also be used for direct marketing of products and services of Partners
Throughout the processing of the Applicant’s personal data, his/her rights under the Data Privacy Act of 2012, such as the (1) right to be informed, (2) right to object, (3) right to access, (4) right to rectification, (5) right to erasure or blocking, and (6) right to damages, shall be upheld. Entities to whom we share your data will also respect the same rights.
Your personal information will generally be stored in Ourcash VIP databases maintained by our service providers. Many of these databases are stored on servers located in the Philippines. Ourcash VIP takes appropriate measures, by contract or otherwise, to provide adequate protection for personal information that is disclosed to a third party or transferred to another country, including transfers within Ourcash VIP. Ourcash VIP maintains reasonable safeguards to protect the confidentiality, security, and integrity of your personal information. Although we use security measures to help protect your personal information against unauthorized disclosure, misuse, or alteration, as is the case with all computer networks linked to the Internet, we cannot guarantee the security of information provided over the Internet and will not be responsible for breaches of security beyond our reasonable control. Ourcash VIP shall not be held accountable or legally liable for any data breach, misuse, disclosure, or unlawful sharing due to the fault of its users’ failure to protect and secure their username and password or some other form of negligence.
Right as a data subject
You may contact our Data Privacy Officer at firstname.lastname@example.org to exercise your rights as a data subject. The following are your rights:
Right to be informed
You should be informed of Ourcash VIP’s process in collecting, usage, sharing and gathering of your information and your rights as a data subject.
Right to access
A copy of your personal data may be requested and how your data are being processed unless gathering this information may affect the rights and freedoms of others or applicable law requires that we do not adhere to your request.
Right to rectification
A request to correct information which you believe is inaccurate can be done. An update of this request shall be sent to you if proper actions have been executed. Regarding this request, we will require you to submit supporting documents or details to show authenticity of the said changes.
Right to erasure or blocking
Personal data can be asked to be erased if you think that this information is no longer of use for our company; if you doubt our processors of your data; if these data of yours are being used unlawfully and/or certain laws require you to do so.
Right to data portability
You as a client should have the right to know the movement, copy or transfer of your data with proper security features.
Right to damages
As a data subject, if anything has happened to you regarding data privacy you have the right to collect proper compensation regarding the damages that you suffered or if there is any violation of your rights and freedom.
Right to file a complaint
If there is any damage or violation of your rights and freedom regarding data privacy, you have the right to file a complaint to the National Privacy Commission.
(i) If the information is necessary to comply with any legal obligation
(ii) If authorized by law
(iii) For the company’s legal defences.
If information is no longer needed, the collected shall be deleted or anonymized except as necessary to comply with legal obligations.
This Policy was last revised in December 2021.