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Privacy Policy

Your privacy matters to us. Learn how we handle your personal information.

Last Updated: January 15, 2025

Robocash PH ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal data when you visit and use our website at https://robocashph.com (the "Service").

This Privacy Policy is issued in compliance with Republic Act No. 10173, also known as the Data Privacy Act of 2012, its Implementing Rules and Regulations (IRR), and all relevant issuances of the National Privacy Commission (NPC) of the Philippines.

By accessing or using our Service, you consent to the collection, use, and processing of your personal data as described in this Privacy Policy.

1. Information We Collect

We may collect and process the following categories of personal information:

1.1 Information You Provide Directly

  • Contact Information: Full name, email address, mobile phone number, and mailing address.
  • Identification Data: Date of birth, gender, and government-issued ID details when required by our lending partners.
  • Financial Information: Employment status, monthly income range, and loan preferences (amount, term) as entered in our loan matching tools.
  • Inquiry Data: Messages, questions, or feedback submitted through our contact forms.

1.2 Information Collected Automatically

  • Device Information: IP address, browser type and version, operating system, device type, and screen resolution.
  • Usage Data: Pages visited, time and date of visits, time spent on pages, click-through data, referring URLs, and navigation paths.
  • Location Data: General geographic location derived from your IP address (city/region level only).
  • Cookies and Tracking Technologies: Information collected through cookies, web beacons, pixel tags, and similar technologies (see Section 5 below).

1.3 Information from Third Parties

We may receive information about you from our lending partners regarding the status of loan applications initiated through our platform, solely for the purpose of improving our service and verifying referral transactions.

2. How We Use Your Information

We process your personal data for the following purposes, each of which has a lawful basis under the Data Privacy Act:

  • Service Delivery: To operate, maintain, and provide the features and functionality of our loan matching platform, including matching you with suitable lending partners.
  • Referral Processing: To facilitate the referral of your loan application to our partner lending companies when you choose to apply through our platform.
  • Communication: To respond to your inquiries, provide customer support, send service-related notifications, and communicate updates about our platform.
  • Analytics and Improvement: To analyze usage patterns, monitor the effectiveness of our Service, and make improvements to the user experience.
  • Marketing: With your consent, to send you promotional content, loan offers, financial tips, and newsletters. You may opt out of marketing communications at any time.
  • Legal Compliance: To comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
  • Fraud Prevention: To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities.

3. Legal Basis for Processing

Under the Data Privacy Act of 2012 (RA 10173), we process your personal data based on one or more of the following lawful grounds:

  • Consent: You have given your consent for the processing of your personal data for one or more specific purposes.
  • Contractual Necessity: Processing is necessary for the performance of a contract to which you are a party, or to take steps at your request prior to entering into a contract.
  • Legitimate Interest: Processing is necessary for the purposes of our legitimate interests, provided that such interests are not overridden by your fundamental rights and freedoms.
  • Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject.

4. Sharing of Personal Data

We may share your personal information with the following categories of recipients:

  • Lending Partners: When you choose to apply for a loan through our platform, we share the necessary personal data with the respective lending company to process your application. Each lending partner has its own privacy policy governing the use of your data.
  • Service Providers: We engage trusted third-party companies and individuals to assist in operating our Service, including web hosting providers, analytics services, email service providers, and customer support tools. These service providers are contractually bound to protect your data and use it only for the purposes we specify.
  • Analytics Partners: We use analytics tools (such as Google Analytics) to understand how users interact with our Service. These tools may collect information about your use of our website using cookies and similar technologies.
  • Legal Authorities: We may disclose your personal data if required to do so by law, court order, or governmental regulation, or if we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others.

We do not sell, rent, or trade your personal information to third parties for their independent marketing purposes.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and gather information about how you use our Service.

5.1 Types of Cookies We Use

  • Essential Cookies: Necessary for the website to function properly. These cookies enable core features such as page navigation and access to secure areas. The website cannot function properly without these cookies.
  • Analytics Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously. We use this data to improve our Service.
  • Functional Cookies: Enable the website to remember choices you make (such as preferred language or region) and provide enhanced, personalized features.
  • Advertising/Tracking Cookies: Used to track visitors across websites and display relevant advertisements. These cookies may be set by our advertising partners.

5.2 Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. However, please note that disabling certain cookies may affect the functionality and your experience on our website.

For more information on managing cookies in your specific browser, please visit your browser's help documentation.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption: Our website uses SSL/TLS encryption to secure data transmitted between your browser and our servers.
  • Access Controls: Access to personal data is restricted to authorized personnel who require it to perform their duties, and who are bound by confidentiality obligations.
  • Regular Security Assessments: We conduct periodic reviews and assessments of our security practices and infrastructure.
  • Secure Infrastructure: Our servers and data storage systems are hosted with reputable providers that maintain industry-standard physical and digital security controls.

While we strive to protect your personal information using commercially acceptable means, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your data.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including satisfying any legal, accounting, or reporting requirements. Specifically:

  • Contact form submissions are retained for up to 2 years after your last interaction with us.
  • Loan referral data is retained for up to 3 years to comply with financial record-keeping requirements.
  • Analytics data is retained in aggregated, anonymized form and may be kept indefinitely for statistical purposes.
  • Marketing consent records are retained for as long as you remain subscribed, plus 1 year after unsubscribing.

When personal data is no longer required, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

8. Your Rights as a Data Subject

Under the Data Privacy Act of 2012 (RA 10173), you have the following rights regarding your personal data:

  • Right to Be Informed: You have the right to be informed of the collection and processing of your personal data, including the purpose, scope, and method of processing.
  • Right to Access: You have the right to request access to your personal data that we hold, including information about how it has been processed and shared.
  • Right to Rectification: You have the right to request correction of any inaccurate or incomplete personal data we hold about you.
  • Right to Erasure or Blocking: You have the right to request the removal or blocking of your personal data from our systems, subject to certain legal exceptions.
  • Right to Object: You have the right to object to the processing of your personal data, including processing for direct marketing purposes.
  • Right to Data Portability: You have the right to obtain a copy of your personal data in a structured, commonly used, and machine-readable format.
  • Right to File a Complaint: You have the right to lodge a complaint with the National Privacy Commission if you believe your data privacy rights have been violated.
  • Right to Damages: You have the right to claim compensation for damages sustained due to inaccurate, incomplete, outdated, false, unlawfully obtained, or unauthorized use of your personal data.

To exercise any of these rights, please contact our Data Protection Officer using the details provided in Section 11 below. We will respond to your request within thirty (30) days of receipt.

9. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and you believe your child has provided us with personal data, please contact us immediately. If we discover that we have inadvertently collected personal data from a child under 18, we will take steps to delete such information from our records.

10. Complaints to the National Privacy Commission

If you believe that your personal data has been misused, improperly collected, or that your data privacy rights have been violated, you have the right to file a complaint with the National Privacy Commission (NPC) of the Philippines:

  • Address: 3rd Floor, Core G, GSIS Headquarters, Financial Center, Pasay City 1308, Philippines
  • Phone: (02) 8234-2228
  • Email: complaints@privacy.gov.ph
  • Website: https://privacy.gov.ph

Before filing a complaint with the NPC, we encourage you to first contact our Data Protection Officer so that we can attempt to resolve your concern directly.

11. Data Protection Officer

Robocash PH has appointed a Data Protection Officer (DPO) who is responsible for overseeing compliance with this Privacy Policy and the Data Privacy Act. You may contact our DPO for any inquiries, requests, or complaints related to your personal data:

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting the revised policy on this page. We will update the "Last Updated" date at the top of this page to reflect the date of the most recent revision.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal data. For material changes that significantly affect how we use your personal data, we will make reasonable efforts to notify you, such as posting a prominent notice on our website or sending you an email notification.

Your continued use of the Service after the posting of changes constitutes your acceptance of the revised Privacy Policy.