T
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C
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PRIVACY POLICY
This Privacy Policy explains in detail how we collect, use,
store, share, and protect your personal information when you use the Tech Cash mobile application
("App") and related services (collectively, the "Services").
By downloading, accessing, or using the App, you agree to
the practices described in this Privacy Policy. If you do not agree, please do not use the
App.
Service Provider and Regulatory
Information
Lending Entity: PERAJET LENDING CORPORATION
SEC Registration Number: CS201629480
Lending License Number: 2639
Registered Address: 19/F MARCO POLO, ORTIGAS OFFICE TOWER,
CITY OF PASIG, SECOND DISTRICT, NATIONAL CAPITAL REGION (NCR)
Platform Operator: The Tech Cash application is operated for
and on behalf of PERAJET LENDING CORPORATION.
1. Information We Collect
To provide our Services, we collect necessary personal and
non-personal information, including:
Identity Data: Full name, date of birth, government-issued
ID details (e.g., UMID, Driver's License, Passport), facial recognition data for liveness
verification,
and selfie photographs.
Contact Data: Mobile number, email address, residential
address, and emergency contact information.
Financial and Employment Data: Monthly income, bank account
or e-wallet information (GCash, PayMaya), payroll period, and other related financial
information.
Device and Technical Data: IP address, device identifiers
(IMEI, Android ID), device model, operating system version, mobile network, app usage logs, crash
reports, and installed application list (used solely for fraud detection).
Location Data: With your separate authorization, we may
collect approximate location (foreground and background) for risk assessment and fraud
prevention.
2. How We Use Your Information
We use your information for the following legitimate
purposes:
To verify your identity and comply with Anti-Money
Laundering (AML) and Know Your Customer (KYC) regulations.
To assess your creditworthiness, repayment ability, and loan
eligibility.
To process, approve, and disburse your loan, and to manage
your account and repayment.
To communicate with you about your account, loan status,
payment reminders, and important notices.
To detect, investigate, and prevent fraud, money laundering,
unauthorized access, and other illegal activities.
To improve, develop, and personalize the App and our
Services, and to perform statistical analysis.
To comply with legal and regulatory obligations, including
court orders or lawful requests from government authorities.
3. Data Sharing and Disclosure
We do not sell, rent, or trade your personal
information.
4. Use of SDKs
The App integrates third-party Software Development Kits
(SDKs) to enable core functions:
Adjust SDK: For analytics, attribution, and campaign
measurement. It may collect anonymized device identifiers, IP address, app installation and
interaction
events.
Liveness Detection SDK (similar to Advance): For facial
recognition and biometric verification. It processes your facial image data securely and temporarily
for
identity matching purposes only. No biometric templates are stored beyond the verification
session.
We require all SDK providers to adhere to strict data
protection standards and applicable laws.
5. Your Rights Under the Data Privacy Act
As a data subject, you have the following
rights:
The right to be informed of how your data is
processed.
The right to access the personal data we hold about
you.
The right to rectify inaccurate or incomplete
data.
The right to erasure or blocking of your data (subject to
legal retention obligations).
The right to object to processing of your data for direct
marketing or automated decision-making.
The right to withdraw your consent at any time without
affecting the lawfulness of processing based on consent before its withdrawal.
To exercise these rights, please contact us at
[email protected]. We will respond within the timeframe mandated by law (typically 15 to 30
business days).
6. Data Security and Retention
We implement appropriate organizational, physical, and
technical security measures to protect your data, including encryption in transit (TLS) and at rest
(AES-256), access controls, and regular security audits. Your information is stored using these
measures
at https://www.techydavidph.com/.
7. Account Deletion
You may delete your account and request removal of your
personal information in the following way:
In-app deletion: Log in to the App, go to Settings >
Account Management > Delete My Account, and confirm.
Note: You cannot delete your account if you have any unpaid
balance. All loan principal, interest, and fees must be fully settled before account
deletion.
8. Minors
Our Services are not intended for persons under 18 years of
age. We do not knowingly collect personal information from minors. If you believe a minor has
provided
us with personal data, please contact us immediately, and we will delete such
information.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The
revised version will be posted in the App with a new "Effective Date". If there are material
changes, we
will notify you via in-app notification or email. Your continued use of the Services after the
effective
date constitutes your acceptance of the updated Privacy Policy.
10. Contact Us
If you have any questions, concerns, complaints, or requests
regarding this Privacy Policy or your personal data, please contact our Data Protection Officer
at:
Email: [email protected]
We will respond to your inquiry within fifteen (15) business
days.
By using Tech Cash, you confirm that you have read,
understood, and agree to this Privacy Policy.