Effective Date: [Insert Date]
Company Name: Finco
Business Type: Corporate Loan Provider
Jurisdiction: Republic of the Philippines

At Finco, we value your privacy and are committed to protecting the personal and business information you share with us. This Privacy Policy outlines how we collect, use, store, and protect your data in accordance with Republic Act No. 10173, or the Data Privacy Act of 2012.

1. Information We Collect

We may collect the following types of information:

a. Personal Information

• Full Name
• Contact Details (email address, mobile number, address)
• Government-issued IDs (TIN, SSS, etc.)
• Job title and company affiliation

b. Business Information

• Company name and address
• SEC/DTI registration details
• Business financials
• Bank account details (for loan disbursement and repayments)

c. Website and Communication Data

• IP address
• Browser type and version
• Pages visited on our website
• Any communication sent via email or contact forms

2. How We Use Your Information

We collect and use your data for the following purposes:

• To assess loan applications and perform credit evaluations
• To manage and monitor ongoing loan accounts
• To comply with legal, regulatory, and audit requirements
• To improve our services and user experience
• To send service-related updates, notifications, and marketing (only with your consent)

3. Sharing and Disclosure of Information

We do not sell or rent your information. We may share your data with:

• Government agencies and regulatory bodies (as required by law)
• Third-party service providers for processing and verification purposes (under strict confidentiality)
• Legal and financial advisers (when required for collection, litigation, or audit)

All data sharing is done in accordance with applicable privacy laws and for legitimate business interests only.

4. Data Retention

We retain personal and business data:

• For as long as necessary to fulfill the purpose for which it was collected
• To comply with legal and regulatory obligations
• Up to five (5) years after the conclusion of your last transaction with Finco, unless a longer retention period is required

5. Data Security

We implement appropriate technical and organizational security measures to:

• Protect against unauthorized access or disclosure
• Ensure data integrity, availability, and confidentiality
• Regularly audit and improve our data protection protocols

6. Your Rights as a Data Subject

Under the Data Privacy Act of 2012, you have the right to:

• Be informed about the processing of your data
• Access and obtain a copy of your personal data
• Correct any inaccuracies in your data
• Object to processing or withdraw consent (subject to legal or contractual obligations)
• Lodge a complaint with the National Privacy Commission (NPC)

To exercise your rights, you may contact our Data Protection Officer (DPO) at the contact information provided below.

7. Cookies and Tracking Technologies

Our website may use cookies to enhance your user experience. You can choose to disable cookies through your browser settings; however, this may affect certain features of our website.

8. Updates to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated “Effective Date.” Your continued use of our services constitutes your agreement to the updated policy.

9. Contact Us

If you have any questions, concerns, or requests regarding your personal data or this Privacy Policy, you may reach us at:

Finco – Data Protection Officer
Email: [Insert Email]
Phone: [Insert Phone Number]
Address: [Insert Office Address]
Website: [Insert URL]

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.