Privacy Policy

Introduction

This Privacy Policy governs your access to and use of the Fresh Loan application, which is owned and operated by JUST SMILE LENDING CORPORATION ("we," "our," or "us"). JUST SMILE LENDING CORPORATION is a fully registered and licensed corporation under the laws of the Republic of the Philippines and operates under the authorization and oversight of the Securities and Exchange Commission of the Philippines, with Registration Number: CS202011342 and Certificate of Authorization No. 3379.

At Fresh Loan, we are deeply committed to protecting the privacy and security of our users. We ensure that all personal information entrusted to us is managed responsibly and in compliance with applicable laws and regulations. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information. By using Fresh Loan, you acknowledge and agree to the terms outlined in this policy.

A. Data Collection

We collect various types of information to provide and improve our services. The data we collect includes but is not limited to:

1. Personal Identification Information

• Full name
• Identification document type and number
• Date and place of birth
• Age, gender, and marital status
• Educational background
• Religious affiliation (if voluntarily provided)
• Residential address

2. Location Data

• We request access to your location to provide location-based services, enhance security, and prevent fraudulent activities. Your location data is handled confidentially and is not disclosed without your consent unless required by law.

3. SMS Data

• Access to SMS messages is requested for essential functions such as identity verification, transaction notifications, and security enhancements. We do not access, store, or share the content of your messages without your explicit permission, except when required by law.

4. Camera and Media Access

• We request access to your camera only for scanning and uploading required documents, such as identification cards or bank details, to facilitate the loan application process.

5. Device-Related Data

• Device name and model
• Language and regional settings
• Operating system details and browser version
• IP address
• Battery status

6. Financial and Employment Information

• Bank account and e-wallet details
• Employment information, including employer’s name and contact details
• Monthly income, income source, and payday schedule
• Outstanding loans and financial obligations

B. Purposes of Data Collection

Your personal information is collected and processed for the following purposes:

1.Loan Eligibility Assessment

• To evaluate your creditworthiness and determine eligibility for loan products through credit scoring, background checks, and data analysis.

• To facilitate the processing of your loan application, including data sharing with our authorized partners when necessary.

2.Customer Support & Dispute Resolution

• To assist you with any inquiries, complaints, or disputes regarding our services.

• To provide personalized support based on your service usage.

3.Service Optimization & Communication

• To send notifications regarding loan status, payment reminders, and promotional offers.
• To update you about changes to our policies, terms, or services.

4.Regulatory Compliance & Fraud Prevention

• To comply with legal and regulatory requirements.
• To detect and prevent fraudulent or unauthorized activities.

C. Managing Your Personal Data

• Access & Modification: You can view and update your personal details within your account settings or by contacting customer support.
• Account Deletion: You may request account deletion, subject to legal and regulatory retention requirements. Some data may be retained for compliance purposes.
• Data Withholding: You may choose not to provide certain information, but this may limit access to Fresh Loan’s services.

D. Data Sharing with Third Parties

To operate efficiently and provide the best possible service, we may share certain personal information with:

1.Credit Bureaus & Financial Institutions

• To evaluate your creditworthiness and process your loan application.

2.Service Providers & Partners

• Third-party companies providing technical support, payment processing, data storage, and customer service. These entities are bound by confidentiality agreements and may only use your data to fulfill their specific functions.

3.Regulatory Authorities

• If required by law, we may disclose information to regulatory bodies or law enforcement agencies to comply with legal obligations.

E. Data Security Measures

We implement industry-standard security measures to safeguard your personal data from unauthorized access, loss, misuse, or disclosure. Our security protocols include:

• Data encryption to protect sensitive financial and personal data.
• Strict access controls ensuring only authorized personnel can access your information.
• Regular security audits to maintain compliance with data protection laws.

Despite our best efforts, no system is completely secure. We encourage users to safeguard their account credentials and report any suspicious activity immediately.

F. Updates to this Privacy Policy

We may periodically update this Privacy Policy to reflect changes in our services, legal requirements, or security standards. When updates occur, we will:

• Publish the revised policy within the Fresh Loan app.
• Update the effective date of the policy.

We encourage you to review this Privacy Policy regularly to stay informed on how we protect your data.

G. Contact Us

For any questions, concerns, or requests related to this Privacy Policy, please reach out to us:

Email: support@justsmilelending.com

Address:

UB, 111 Paseo de Roxas Building,Legazpi Village, San Lorenzo,Makati, NCR, Fourth District,Metro Manila, 1223, Philippines