Monneyla Loan is committed to protecting our users' privacy. We prioritize the responsible management of personal data and information collected from our users. Please review this Privacy Policy thoroughly before accessing or using our Service.

This Privacy Policy aims to inform our users or potential users about their privacy rights and our practices related to the collection, use, storage, processing, disclosure, and security of their information when using Monneyla Loan. Our practices are in accordance with and comply with the rules and regulations of Republic Act No. 10173, also known as the Data Privacy Act of 2012, as issued by the National Privacy Commission.

1. User Consent

By downloading, installing, and using Monneyla Loan, you confirm that you have read, understood, and agreed to this Privacy Policy. Your use of our services signifies your consent to the collection, use, storage, and sharing of your personal information as described in this document. If you do not agree with any part of this Privacy Policy, you must discontinue the use of our services.

2. Updates to the Privacy Policy

Monneyla Loan reserves the right to modify this Privacy Policy at any time to reflect changes in legal requirements, technological advancements, or improvements in our data handling practices. We will notify you of any significant changes via the app, SMS, or email. Your continued use of our services after the updates have been made will be considered as your acceptance of the revised terms.

3. Collection of Personal Information

We collect personal information from you only with your explicit consent, with the primary goal of providing you with better access to our services. The types of information we collect include:

- Personal Identification: Your full name, date of birth, place of birth, citizenship, age, and gender. These details help us provide personalized services and ensure that we are offering the best experience tailored to your needs.
- Contact Information: This includes your physical address, phone number, and email address, which are necessary for communication and service provision.
- Identification Documents: We may request your government-issued ID to verify your identity.
- Financial Information: This includes your bank account details, monthly income, e-wallet account, and sources of income. We collect this data to evaluate your creditworthiness and provide appropriate financial services.
- Professional Background: Information such as your educational background and employment status allows us to tailor our services more effectively.
- Device Information: We collect details about your device, including its type, operating system, hardware, software, and unique identifiers like IMEI and serial numbers. This helps us optimize the app for your specific device and prevent unauthorized access.
- Location Data: We may collect and monitor your device's location with your consent. This data helps us provide location-based services, calculate credit scores, and enhance security measures.

4. Use of Collected Information

The information we collect is used to ensure that you receive the best possible experience with Monneyla Loan. Specifically, we use your data for the following purposes:

- Credit Score Calculation: Your location data and financial information are utilized to create a credit score model, which helps us assess your financial behavior and offer services that meet your needs.
- Identity Verification: We use your personal identification and government-issued documents to verify your identity, ensuring that only authorized individuals can access your account.
- Service Improvement: By analyzing your device information, including usage habits and application performance, we continuously work to enhance our services. This includes optimizing app features and ensuring a smooth user experience.
- Fraud Prevention: We monitor device and location data to detect and prevent unauthorized access and fraudulent activities, helping us maintain a secure environment for all users.

All personal data collected is encrypted and securely stored on our dedicated servers. We implement robust security measures to prevent unauthorized access, and we do not share your personal data with third parties without your explicit consent unless it is required by law or necessary for service provision.

5. Data Storage, Retention, and Disposal

Monneyla Loan is committed to protecting your personal information throughout its lifecycle. Our data storage and retention practices ensure that your information remains secure at all times:

- Data Storage: We use state-of-the-art encryption technologies, firewalls, and other security tools to protect your personal data from unauthorized access. Our servers are located in secure facilities with controlled access, ensuring that your data is protected at all times.
- Retention Period: We retain your personal information for as long as it is necessary to fulfill the purposes outlined in this Privacy Policy. This includes keeping data for a reasonable period after the completion of services to comply with legal obligations or resolve disputes.
- Data Disposal: When your personal information is no longer needed, we ensure that it is securely disposed of in accordance with applicable laws and regulations.

6. Your Rights as a Data Subject

As a user of Monneyla Loan, you are entitled to several rights regarding your personal data under the Data Privacy Act of 2012. These rights include:

- Right to Be Informed: You have the right to know if your personal information is being processed, the purposes for processing, and the identity of the entities involved in processing your data.
- Right to Access: You can request a copy of the personal data we hold about you, including details on how the data is processed, the purpose of processing, and the entities with whom your data has been shared.
- Right to Rectification: If you find that the information we hold about you is inaccurate or incomplete, you have the right to request corrections. We are committed to promptly rectifying any inaccuracies upon request.
- Right to Erasure: You may request the deletion of your personal data from our records under certain conditions, such as when the data is no longer necessary for the purposes for which it was collected.
- Right to Object: You have the right to object to the processing of your data, particularly when the processing is based on consent or is necessary for the performance of a public interest task.
- Right to Data Portability: You can request a copy of your data in a structured, commonly used, and machine-readable format. This right allows you to transfer your data to another service provider if desired.
- Right to File a Complaint: If you believe that your data protection rights have been violated, you have the right to file a complaint with the National Privacy Commission or other relevant authorities.

7. Sharing of Personal Data

Your privacy is our priority, and we do not share your personal data with third parties except under specific circumstances:

- Service Partners: To provide you with the best possible service, we may share your data with our trusted partners who assist us in delivering our services. These partners are bound by strict data protection agreements and are only permitted to use your information as necessary to perform their functions.
- Legal Requirements: We may disclose your personal data if required to do so by law, such as in response to a court order or subpoena. Additionally, we may share your information when we believe in good faith that such disclosure is necessary to protect our rights or comply with legal obligations.
- With Your Consent: In cases where you have provided explicit consent, we may share your personal data with third parties for specific purposes. You retain the right to withdraw your consent at any time, which will prevent further sharing of your data under that consent.

8. Information Relating to Children

Monneyla Loan does not knowingly collect or solicit personal data from individuals under the age of 18. If we become aware that we have inadvertently collected such information, we will take immediate steps to delete it. If you are a parent or guardian and believe that your child has provided us with personal data, please contact us so we can take appropriate action.

9. Contact Us

If you have any questions or concerns regarding this Privacy Policy or your personal data, please feel free to contact us at . We are committed to addressing your concerns in a timely and transparent manner.