Privacy Policy

1. How we collect information

We may collect information manually (when you provide it) or automatically (through technical means) when you:

• visit the Website or use the Application;
• navigate pages, perform searches, or interact with internal links;
• arrive from third-party websites (for example, by clicking an advertisement that leads to our App);
• answer questions and submit forms in the App;
• send requests, inquiries, or complaints to support.

We may use cookies and analytics tools (including third-party tools) to understand usage patterns and improve performance and content. Where required, we will request consent for cookies in accordance with applicable law.

2. Categories of data we may collect

Depending on how you use the App, we may collect the following categories of information (“Personal Data”):

• Identification and profile data: name and other details such as contact information, address, email address, birthdate, educational background, gender, and occupation;
• Financial-related data: income, expenses, deposits, investments, and credit card information (where applicable and necessary for the services);
• Employment data: employer and employment details;
• Transaction-related data: information about your transactions with third parties in connection with services requested through the App;
• Device and technical data: IP address, operating system, browser type/version, device identifiers, and similar technical information;
• Verification artifacts: specimen signatures or similar verification data if required for identity checks.

3. Purpose and legal basis for processing

We process Personal Data for legitimate business purposes and, as applicable, based on your consent, contractual necessity, and/or compliance with legal obligations. In practice, this includes:

• enabling you to submit applications and receive or compare loan offers from third-party lenders and financial service providers (“Lenders”);
• identity verification, fraud prevention, security monitoring, and credit-related assessments (where permitted and necessary);
• customer support, responding to questions, and handling complaints;
• improving our App (including analytics, profiling, and behavioral modeling for product/service improvement);
• compliance with internal policies and applicable reporting obligations to regulators or authorities.

4. Sharing and disclosure of Personal Data

We may share Personal Data with the following recipients, strictly for the purposes described in this Privacy Policy and as allowed by law:

• Lenders / Financial Service Providers: to evaluate your application, verify information, provide product information, and communicate relevant offers;
• Vendors and service providers: hosting, analytics, identity verification, security, customer support, and similar services (under confidentiality and data protection obligations);
• Legal and regulatory recipients: where required to comply with laws, legal processes, or lawful requests;
• Business transfers: in connection with a merger, acquisition, financing, or sale/transfer of all or part of our business or assets (subject to applicable safeguards).

Once Personal Data is transferred to a Lender, that Lender will process it under its own privacy practices and obligations. We are not responsible for how third parties handle Personal Data after receipt, to the extent permitted by law.

5. Communications and marketing

Lenders or partners within the Loanonline network may contact you regarding loan products or related financial services.

We may also use your contact details (email, phone number, and address) to send service messages, updates, and marketing communications about products and services offered by pickerloan and/or partners, where permitted by law. You may opt out from marketing communications using the unsubscribe mechanism provided or by contacting support.

6. Email safety notice

Email is not always a secure channel. We will not request confidential credentials (such as passwords) via email. Please do not send sensitive secrets by email.

7. Security measures and automation

• Encryption in transit: we use SSL/TLS to help protect data transmitted between your device and our servers;
• Secure processing: we may use automated systems and decisioning tools to deliver services efficiently and consistently, aligned with applicable confidentiality and data protection requirements;
• Access controls: access to Personal Data is restricted to authorized personnel and controlled through permissions and authentication safeguards;
• Data integrity: we take steps to keep information accurate and up to date, and we can assist with corrections upon request;
• Security reviews: we may engage reputable third-party experts to assess and improve security controls.

8. Data retention and secure disposal

We maintain physical, organizational, and technical controls to protect Personal Data. Personal Data may be retained for up to twenty (20) years from your last transaction with pickerloan or until the expiry of retention limits set by applicable law, whichever is later.

When the retention period ends, records are disposed of securely. Digital data is deleted using methods designed to prevent recovery, and physical records are destroyed using appropriate secure procedures.

9. Your rights under applicable law

Subject to the requirements, conditions, and exemptions under applicable law and Republic Act No. 10173, as amended (the “Data Privacy Act”), you may have rights such as:

• the right to access your Personal Data and relevant processing information (including sources, processing methods, disclosures, and certain details about automated processing);
• the right to dispute inaccuracies and request correction or updating;
• the right to obtain a copy in an electronic/structured format (where applicable);
• the right to suspend, withdraw, or request blocking, removal, or destruction of Personal Data in certain circumstances, subject to legal and regulatory requirements;
• the right to file a complaint with the National Privacy Commission.

For reference, information about rights under the Data Privacy Act is available on the National Privacy Commission website.

10. Updates to this Privacy Policy

We may update this Privacy Policy to reflect changes in law, regulatory guidance, or our practices. Updates will be posted on the Website and/or within the App.

11. Contact the Data Protection Officer

Questions, requests, or clarifications related to this Privacy Policy may be addressed to our Data Protection Officer:

info@pickerloan.ph