Privacy Policy
This Privacy Policy is in compliance with the Data Privacy Act of 2012 (Republic Act No. 10173) and other applicable laws of the Philippines. Lendify (“we”, “us”, or “our”) is committed to safeguarding your personal information.
1. Information We Collect
- Personal data: full name, address, mobile number, email, ID details
- Financial and employment details
- Device information and usage behavior
- Contact list access (only with your explicit consent)
2. How Your Information is Used
- Process loan applications and conduct credit checks
- Comply with legal and regulatory requirements under Philippine law
- Improve our services and user experience
- Send loan updates, notifications, and marketing (with your consent)
3. Sharing of Information
- Accredited credit bureaus
- Third-party service providers (e.g., verification and payment partners)
- Government agencies if required by law
- We do not sell your data to third parties
4. Data Protection
In accordance with the Data Privacy Act, we implement appropriate safeguards to protect your data from unauthorized access or disclosure.
5. Your Rights
- Access, correct, or delete your data
- Withdraw consent at any time
- File a complaint with the National Privacy Commission
6. Data Retention
We retain your data only as long as necessary for business or legal obligations.
Terms & Conditions
1. Eligibility
- Be at least 18 years old
- Be a resident of the Philippines
- Have legal capacity to enter into loan agreements
2. Loan Application
- Certify accuracy of provided info
- Authorize background/credit checks
- Understand approval depends on internal criteria
3. Loan Terms and Repayment
- Fees and repayment terms disclosed in accordance with RA 9474
- Late payments may incur penalties
- Full repayment is borrower’s responsibility
4. Responsible Use
- No false info or unlawful use
- No harassment or threats
5. Account Suspension
Fraudulent, abusive, or rule-violating accounts may be suspended.
6. Disclaimer & Liability
We are not liable for indirect damages, delays, or system issues.
7. Amendments
Continued use implies acceptance of future revisions.
8. Governing Law
This policy is governed by Philippine law (RA 9474, Data Privacy Act, SEC rules).
