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KwartaFlex PH Privacy Policy

Effective Date: May 27, 2025

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KwartaFlex PH ("we," "us," or "our"), a loan service company operating in the Philippines, is committed to protecting your privacy and ensuring compliance with the Data Privacy Act of 2012 (Republic Act No. 10173). This Privacy Policy explains how we collect, use, store, protect, and share your personal information when you access our website (https://www.kwartaflexph.com/), mobile applications, or services (collectively, the "Platform"). By using our Platform, you consent to the practices described in this Privacy Policy.

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1. Information We Collect

We collect only the personal information necessary to provide our loan referral services and facilitate connections with our approved loan partners. The types of information we may collect include:

  • Personal Information: Name, address, email address, phone number, date of birth, government-issued ID details, and other identification data provided during registration or loan application processes.

  • Financial Information: Income details, employment status, or other financial data required to assess loan eligibility, as provided by you or obtained with your consent.

  • Device and Usage Data: IP address, browser type, device identifiers, and interaction data (e.g., pages visited, time spent on the Platform) to improve user experience and ensure security.

  • Location Data: Collected only when necessary (e.g., to verify residency or connect you with local loan partners), with your explicit consent.

  • Other Information: Any additional details you voluntarily provide, such as feedback or communications with our support team.

We ensure that data collection is proportional to the purpose of facilitating loan applications and complies with applicable laws. We do not harvest excessive data, such as entire phone contact lists, without a legitimate purpose.

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2. How We Use Your Information

We use your information to:

  • Facilitate loan applications by sharing necessary data with approved loan partners.

  • Verify your identity and eligibility for loan services.

  • Provide customer support and respond to inquiries or complaints.

  • Improve our Platform’s functionality and user experience.

  • Comply with legal and regulatory requirements, such as reporting to the Credit Information Corporation (CIC) or responding to lawful requests from government authorities.

  • Send you updates about our services or loan partner offerings, provided you have opted in to receive such communications.

We do not use your personal information for marketing or cross-selling by third parties without your explicit consent.

 

3. How We Share Your Information

To provide our services, we may share your personal information with:

  • Approved Loan Partners: To process your loan application, we share only the data necessary for their evaluation, under strict data-sharing agreements that comply with the Data Privacy Act of 2012.

  • Service Providers: Third-party vendors (e.g., IT support, data analytics) who assist with Platform operations, bound by contractual obligations to protect your data.

  • Government and Regulatory Bodies: When required by law, such as for anti-money laundering compliance or in response to court orders.

  • Other Entities: With your consent, or as necessary to prevent fraud, protect public safety, or enforce our Terms and Conditions.

We do not sell your personal information or share it with third parties for their marketing purposes without your explicit consent.

 

4. Data Security

We implement reasonable and appropriate technical, physical, and organizational measures to protect your personal information from unauthorized access, loss, misuse, or alteration. These include:

  • Encryption of data in transit and at rest.

  • Secure storage on servers with restricted access.

  • Regular security assessments to identify and address vulnerabilities.

While we strive to protect your data, no system is entirely secure, and we cannot guarantee absolute security.

 

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, or resolve disputes. For example, we may retain loan application data for up to 5 years after a loan is closed, as required by law. After this period, we securely delete or anonymize your data unless further retention is legally required.

 

6. Your Data Privacy Rights

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

  • Access: Request a copy of the personal information we hold about you.

  • Correction: Update or correct inaccurate or incomplete data.

  • Deletion: Request the removal of your data, subject to legal retention requirements.

  • Objection: Object to the processing of your data for specific purposes, such as marketing.

  • Data Portability: Request the transfer of your data to another entity, where applicable.

  • Withdraw Consent: Stop the processing of your data, except where legally required.

To exercise these rights, contact our Data Protection Officer (DPO) at kwartaflexph@gmail.com. We will respond to your request within 15 days, as required by law.

 

7. No Processing Fees

KwartaFlex PH does not charge processing fees for using our Platform or submitting loan applications. Any fees associated with loan agreements (e.g., interest or late payment fees) are determined solely by our approved loan partners and disclosed in their terms.

 

8. Third-Party Links

Our Platform may contain links to third-party websites, such as those of our loan partners. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies before providing personal information.

 

9. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and ensure security. You can manage cookie preferences through your browser settings. For more details, contact us at kwartaflexph@gmail.com.

 

10. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Updates will be posted on our website with the revised "Effective Date." We encourage you to review this policy periodically.

 

11. Contact Us

For questions, concerns, or to exercise your data privacy rights, please contact our Data Protection Officer:

 

12. Complaints

If you believe your data privacy rights have been violated, you may file a complaint with the National Privacy Commission (NPC) via their website (www.privacy.gov.ph) or by emailing an affidavit-complaint with PDF evidence. You may also send a “stop-processing” notice to us, citing R.A. 10173 §34, and we will respond within 15 days.

 

By using KwartaFlex PH, you acknowledge that you have read, understood, and agree to this Privacy Policy. Thank you for trusting us with your personal information.

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