This Privacy Policy (“Policy”) explains how Surity Cash Lending Investors Corp. (“Surity Cash,” “we,” or “our”) manages the information you share when you use the Surity Cash mobile application. As a Philippine-registered corporation, we handle your information responsibly and in accordance with applicable laws.
By choosing to use our app, you allow us to collect and process certain types of information so we can deliver our services, comply with regulatory requirements, and improve your overall experience.
1. Information We Collect
We only collect information that is necessary for identity verification, credit evaluation, service delivery, and compliance. When you submit information to us, you confirm it is truthful, complete, and accurate.
We may collect any of the following information (“Personal Data”):
We may gather Personal Data from any of the following lawful sources:
- Information directly submitted by you;
- Application-related data from your device to help prevent fraud and assess creditworthiness;
- Telecommunications companies or mobile network operators;
- Your usage patterns and interactions within the Surity Cash app;
- Public registries and publicly available data sources;
- Government agencies, regulators, or law enforcement authorities;
- Third-party partners and service providers;
- Cookies or mobile device analytics when you use our products or services.
2. How We Use Your Information
Your information enables us to deliver a secure and reliable service. We may use or process your Personal Data for purposes such as:
- Verifying your identity and submitted documents
- Processing your loan application or other service requests
- Maintaining your Surity Cash account
- Carrying out credit checks and financial assessments
- Communicating with you, including reminders, updates, or inquiries
- Handling issues, concerns, or complaints
- Investigating fraud, preventing illegal activity, and complying with KYC and other regulatory requirements
- Supporting internal operations such as audits, risk control, and reporting
- Conducting research and generating data insights to improve services
- Providing information about products or services you may be interested in
- Enforcing agreements and collecting outstanding obligations
- Transferring your information to local or foreign service providers for processing or storage
- Meeting legal, regulatory, or government requirements
We may use cookies and similar tools to understand how users interact with the app. If you disable cookies, some features may not work properly.
3. How We Share Your Information
We do not sell your Personal Data. However, we may share it when necessary to operate our services or comply with the law. You authorize Surity Cash to disclose Personal Data to:
- Surity Cash staff, affiliates, and operational teams
- Professional service providers, partner institutions, and contractors
- Banks, financial partners, and credit-related organizations
- Credit bureaus and rating agencies
- Guarantors or security providers
- Government agencies, regulators, or authorities that require it
- Entities assisting in protecting our rights and enforcing agreements
- Any party you have expressly allowed or authorized
All recipients are required to handle your information in accordance with relevant privacy and data protection rules.
4. Updating Your Information
You are responsible for keeping your information accurate and updated. You may contact us if any detail changes or if you wish to correct any inaccurate information. We will make updates within a reasonable timeframe.
5. How We Protect Your Data
We use administrative, physical, and technical safeguards to prevent unauthorized access, loss, misuse, or alteration of your Personal Data. Our security measures follow industry best practices and Philippine data protection standards.
6. Your Data Rights
Under applicable laws, including the Data Privacy Act, you are entitled to:
- Withdraw or limit your consent
- Request access to your Personal Data
- Correct or update inaccurate information
- Request deletion of your Personal Data
- Require that we maintain the accuracy and protection of your data
All legally granted rights remain fully available to you.
7. Withdrawal of Consent
If you decide to withdraw your consent, you may contact us at any time. Once we confirm your request, we will stop collecting or processing your Personal Data except when required by law. Withdrawal does not affect the legality of processing already completed before the withdrawal request.
8. Retention and Deletion of Data
Your Personal Data will be retained for the longer of:
- Ten (10) years;
- As long as it is required to fulfill the purposes stated in this Policy;
- As required by law or regulatory rules.
When retention is no longer allowed or necessary, the data will be securely deleted following established data protection standards. If you request deletion, please note that this does not cancel or alter any outstanding obligations, including repayment of existing loans.
9. Questions or Concerns
If you have questions or intend to exercise your rights, you may contact us. We aim to respond within a reasonable period.
For all inquiries, please email our Data Protection and Customer Care team at: developer-new@suritycash.com
10. Changes to This Policy
We may update this Policy from time to time. The latest version will always be available within the app. Continued use of our services constitutes acceptance of any changes.
If you do not agree with any updated terms, you may contact us to express your concern or discontinue using the app.
11. Your Acknowledgment
By using Surity Cash and submitting your Personal Data, you confirm that you understand and agree to how your information is collected, used, and shared as described in this Policy. If you do not agree, you should stop using the app and avoid providing any Personal Data.