Privacy Policy

Welcome to Phpocket. We are committed to protecting your privacy and ensuring that your personal data is handled in compliance with the applicable laws and regulations in the Philippines, including the Data Privacy Act of 2012 (Republic Act No. 10173).

This Privacy Policy explains how Phpocket, operated by PPESOLINK LENDING, INC. and authorized by MyCash Lending Investors Inc., collects, uses, and protects your information when you use our services.

Company Name: MyCash Lending Investors Inc.

SEC Registration No.CS201840987

Certificate of Authority No. 2814

1. Information We Collect

By using our services, you agree that we may collect and process the following types of data:

1.1 Personal Information

When you apply for a loan or use our services, we may collect personal data, including but not limited to:

• Full name
• Identification documents (e.g., government-issued ID)
• Residential address
• Contact information (phone number, email)
• Employment and financial details
• Face recognition data (for identity verification)
• Emergency contact details

1.2 Device and Usage Information

To enhance security and improve our services, we may collect technical and behavioral data, including:

• Location Data: We may access your device’s location to verify your application and prevent fraud.
• IDFA (Identifier for Advertisers): We may collect your device's IDFA for analytics and marketing purposes.
• Battery Data: We may track battery levels to optimize app performance.
• Network Data: Information about your internet connection for service quality and fraud prevention.

2. How We Use Your Information

We use the collected data for the following purposes:

• Processing loan applications and verifying your identity.
• Assessing creditworthiness and preventing fraud.
• Communicating with you regarding your loan application or service updates.
• Improving our services, security, and user experience.
• Complying with legal and regulatory requirements.

3. How We Share Your Information

We do not sell or rent your personal data. However, we may share your information with:

• Regulatory Authorities (e.g., SEC, Bangko Sentral ng Pilipinas) as required by law.
• Service Providers and Partners assisting in credit assessment, identity verification, payment processing, and fraud prevention.
• Law Enforcement Agencies if required to comply with legal obligations or protect our rights.

4. Data Security and Retention

We implement strict security measures to protect your personal data from unauthorized access or misuse. Your information is stored securely and retained only for as long as necessary to fulfill the purposes stated in this policy or as required by law.

5. Your Rights

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

• Access, update, or correct your personal information.
• Request deletion of your data, subject to legal and contractual obligations.
• Withdraw consent for data processing (this may affect your ability to use our services).

6. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be communicated via our app or website. Your continued use of our services after updates constitutes your acceptance of the revised policy.

7. Contact Us

If you have any questions or concerns about this Privacy Policy, you may contact us at:

• Address:San Matias, Guagua, Pampanga, 2003 Philippines 
• Email：girliegalisana@ppesolink.com

By using Phpocket, you acknowledge that you have read, understood, and agreed to this Privacy Policy.