Before clicking on the page to agree to this policy, please read and fully understand the entire content of this policy (especially the bold and underlined parts). If you do not agree with any content of this policy, or cannot accurately understand the interpretation of the terms of this policy, please refrain from follow-up operations. Once you continue to use our products or services after follow-up operations, it means that you have fully understood the content of this policy and Consent to our processing of your personal information in accordance with this policy.
Update Date: October 27, 2022
Release Date: October 28, 2022
Effective Date: October 28, 2022
If you have any questions, comments or suggestions, complaints about this policy and our products or services, please contact us through the following contact information:
Email: help@epesopro.com
You can read the corresponding chapters according to the following table of contents to learn more about the specific conventions of this policy:
This policy will help you understand the following:
I. How we collect and use your personal information
II. How we use cookies and similar technologies
III. How do we share, transfer and publicly disclose your personal information
IV. How we protect your personal information
V. Your rights
VI. How we handle children’s personal information
VII. Instructions for obtaining system permissions and instructions for using third-party SDKs
VIII. How to update this policy
IX. How to contact us
I. How we collect and use your personal information
PesoZone will only collect and use your personal information for the following purposes described in this policy:
To provide you with financial products or services
Business Scenario 1: Registration and Login
(1) COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION
In order to complete the account creation, we need to collect your mobile phone number and mobile phone number verification code. If you refuse to provide such information, you may not be able to register/login normally or use our products and services, but it will not affect your basic browsing.
If you do not register/login and only perform basic browsing, we will only apply for your network permissions and obtain your basic device information. If you need to download and save pictures during basic browsing, we will also apply for your storage permission. If you refuse to provide this permission, you will not be able to save pictures, but it will not affect your basic browsing.
Business scenario 2: loan application, use of credit line and loan approval
(1) COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION
When you apply for a personal loan (including applying for a credit line, applying for a single loan) and using the credit line (including cash withdrawal and credit consumption) from PesoZone, we shall fully perform the identification obligations in accordance with relevant laws, regulations and regulatory requirements of anti-money laundering. Therefore, it is necessary to collect your name, gender, nationality, occupation, address, contact information (mobile phone number), ID number, and photos of the front and back of the ID card.
(2) COLLECTION OF INSTALLED APPLICATIONS
In addition to the aforementioned information, in order to further accurately identify your identity, we need to collect and upload a list of the installed applications’ metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your credit records and enrich your profile with pre-approved customized loan offers.
The installed applications' data will be encrypted and uploaded to our server https://PesoZonepro.com/aries via the HTTPS protocol. We don't share the data with third parties any time.
(3) COLLECTION OF LOCATION
We collect and upload location information from your device to reduce the risk associated with your account. We will save your location information in our system database.
A. Corresponding business function: Risk control audit
B. Purpose of invoking permissions: In order to protect account security, implement business risk control and determine the access area of financial institutions, it is invoked in the link of loan product quota activation and lending.
(4) COLLECTION OF CONTACT LIST
A. Corresponding business function: emergency contact
B. Purpose of calling permissions: Fill in the phone number of yourself and the contact person, protect account security and implement business risk control, and call it during the activation of loan product quota and loan.
The contact data will be encrypted and uploaded to our server https://PesoZonepro.com/aries via the HTTPS protocol. At no time will we share this data with third parties.
(5) STORAGE
A. Corresponding business function: Upload credit information
B. Purpose of calling permission: to store files generated during the use of the software
These data will be encrypted and uploaded to our member server https://PesoZonepro.com/aries via the HTTPS protocol. At no time will we share this data with third parties.
(6) CAMERA
Corresponding business function: real-name authentication
B. Purpose of calling permission: Real-name authentication is the core function in the credit process, and camera permission ensures that users can upload identity certificate picture information to confirm the identity of the real user
(7) COLLECTION OF DEVICE INFORMATION
When you apply for loan , use of credit line and loan approval on PesoZone 's business terminal, the To verify that you are the initiator of the change operation and to ensure the security of your account, we need to obtain your device information (including mac_code, ip, userGid, wifiMacAddress, imei, gaid, phoneNumber, carrierName , appVersion, systemVersion , phoneModel , brand , storageAvailableSize , storageTotalSize). If you do not provide such information, you will not be able to complete such operations, but it will not affect other services we provide.
Business Scenario 3: Post-loan management and repayment
After you have successfully applied for PESOZONE's personal loan or used the line of credit, in the process of loan management for you, in order to fully verify the purpose of your loan, we need to collect your corresponding supporting materials.
For the purpose of loan management and overdue collection for you by us or a third party entrusted by us, and in order to protect your relevant rights and interests, when we are unable to contact you normally or in a timely manner, we will contact you through the two emergency contacts you provided. If you make contact, you should ensure that you have obtained the consent of the contact person before providing us with the contact information, and have fully authorized us to use the information for the above-mentioned purposes. Responsibility is your sole responsibility. You understand and agree that: if the two contact information you provide is wrong or cannot be contacted normally, we have the right to require you to provide new valid contact information. Different emergency contact information, if we need to contact you for the purpose of post-loan management of a certain product or service, but cannot contact you normally, we can use any one of the products or services you provide based on other products or services. Emergency contacts to contact you.
When you initiate a repayment operation, in order to verify that you are the initiator of the operation and ensure the security of your account, we need to obtain the device information (including the list of installed application software, hardware serial number, unique device Identification code (referring to IMEI/MAC address/Android ID/MEID/OAID/IDFA/IDFV/OpenUDID/GUID/UUID/AAID/VAID/SIM card serial number), IP address information, base station information). At the same time, you need to submit the specific repayment amount. If you do not provide this information, you will not be able to complete the active repayment operation.
Basic data statistics and fraud risk prevention and control
In order to realize the normal operation of the application, complete basic data statistics, effectively identify devices, prevent and control fraud risks, and ensure the security of your account, when you use our products or services, we need to collect the corresponding information when you use our products or services. device information (including: browser, time zone and network status, device model, application version, SDK/API/JS code version, terminal device operating system version, terminal manufacturer, Internet service provider, platform, timestamp, IP address, unique device identification code (referring to IMEI/MAC address/Android ID/MEID/OAID/IDFA/IDFV/OpenUDID/GUID/UUID/AAID/VAID/SIM card serial number), installed application software list, application identifier, Hardware serial number, SSID, hard disk, memory, Bluetooth device binding information, CPU usage, battery usage, phone and microphone status (only the status of whether it is turned on or not, the specific call content will not be collected), screen sharing status (only collected Whether screen sharing is taking place, screen recording will not take place)), and the URL of the pre-browse page of the app registration page. Please note that individual device information and service log information are information that cannot identify a specific natural person.
At the same time, you understand and agree that: we may use your aforementioned device information for data analysis, and use such device information and your other individuals collected based on the business scenario of "providing you with consumer financial products or services" The information is used to build relevant models by ourselves or jointly with a third party. During this process, we will de-identify or anonymize your aforementioned information.
If you do not agree to provide the above information, we may not be able to identify the risks of your device in a timely manner, and thus cannot guarantee the security of your account.
When we want to use the information for other purposes not specified in this policy, we will ask for your prior consent.
When we want to use the information collected for a specific purpose for other purposes, we will ask for your consent in advance.
II. How we use cookies and similar technologies
(1) Cookies
To ensure the proper functioning of the website, we store small data files called cookies on your computer or mobile device. Cookies usually contain identifiers, site names, and some numbers and characters. With the help of cookies, websites can store data about your preferences.
(2) Do Not Track
Many web browsers have a Do Not Track feature that issues Do Not Track requests to websites. Currently, no major Internet standards organization has established policies governing how websites should respond to such requests. But if your browser has Do Not Track enabled, then all of our sites will respect your choice.
III. How do we store, share, transfer and publicly disclose your personal information
(1) Store
All user data collected by PESOZONE will be encrypted and uploaded to our member server https://PesoZonepro.com/aries via the HTTPS protocol. At no time will we share this data with third parties.
We will not share your personal information with any companies, organizations and individuals other than PESOZONE, with the following exceptions:
1. Sharing with explicit consent: After obtaining your explicit consent, we will share your personal information with other parties.
2. We may share your personal information externally in accordance with laws and regulations, or the mandatory requirements of public security agencies, industry regulatory authorities, and other government authorities.
3. Necessary sharing with authorized partners: only to achieve the purpose stated in this policy, some of our services will be provided by authorized partners, in this case, we will require such partners to abide by our privacy policy and safety requirements. We will only share your personal information for legal, legitimate, necessary, specific and explicit purposes, and only share personal information necessary to provide corresponding services. Our partners are not authorized to use the personal information we share about you for any other purpose than agreed upon.
At present, the types of our authorized partners, the specific sharing information and the purpose of sharing are as follows:
1) Authorized partner for technical services. In order to complete ID card OCR and living body identification, we may need to share your name, ID number, front and back photos of ID cards, front and back photos of bank cards, and living body identification information with authorized partners who provide us with such technical services. The identification is completed by these authorized partners and the identification results are fed back to us.
2) Authorized partners for bank card authentication. When you bind a payment account during the use of our products or services, we need to complete bank card authentication and real-name authentication for you, so you need to share your name, ID number, bank account information, and mobile phone number. To this type of authorized partner, the authorized partner of this type will complete the authentication and feedback the authentication result to us.
3) Authorized partner for data statistics and analysis services. In order to verify the authenticity and validity of the contact information you provide to us, we need to share the contact phone number you provide with such authorized partners, who will conduct statistics, analysis and feedback to us the verification results.
4) Authorized partners for promotion services. In order to prevent you from receiving unnecessary product or service promotion information, we need to share your mobile phone number or unique device identification code (referred to as IMEI/OAID/IDFA) when using our products with such authorized partners. At the same time, you understand and agree that: if necessary, we need to inform them whether you have registered/login in PESOZONE and/or obtained credit.
Loans business class authorized partner. When you choose to use the loan products or services jointly launched by us and partners, we need to share your name, gender, nationality, occupational information, Educational information, address, contact information (mobile phone number, e-mail), ID number and expiration date, front and back photos of ID card, living body identification information, geographic location information, emergency contact information, your signature related to this type of authorized partner The text of contracts, letters, applications and other necessary credit information and credit information variables. You understand that the aforementioned sharing of personal information is premised on your application for the use of loan products or services jointly launched by us and our partners. When you apply to such authorized partners for the use of loan products or services, the name of the authorized partner will be disclosed to you. and other information, subject to the actual business provision.
When we share your personal information based on all of the above circumstances, we will encrypt and transmit your personal information and de-identify it, and require such partners to take appropriate security protection measures for your personal information. If we are unable to take the above measures based on the individual needs of specific cooperation matters, we will require such partners to take corresponding security protection measures for your personal information.
We will sign strict confidentiality agreements with companies, organizations and individuals with whom we share personal information, requiring them to process personal information in accordance with our instructions, this policy and any other relevant confidentiality and security measures.
We promise: In addition to the sharing situations listed above, we have anonymized or de-identified the sharing of your personal information in other ways, and ensure that the recipient of personal information cannot re-identify you as an individual.
(3) Transfer
We will not transfer your personal information to any companies, organizations and individuals, except in the following cases:
1. Transfer with explicit consent: After obtaining your explicit consent, we will transfer your personal information to other parties;
2. In the event of merger, division, dissolution, or bankruptcy, if it involves the transfer of personal information, we will inform you of the recipient's name or contact information, and require the new company or organization that holds your personal information to continue. Subject to this policy, otherwise we will require the company or organization to seek authorization from you again.
(4) Public disclosure
We will only publicly disclose your personal information in the following circumstances:
1. After obtaining your separate consent;
2. Disclosure based on laws and regulations: We may publicly disclose your personal information under the mandatory requirements of laws and regulations, legal procedures or government authorities and regulatory authorities.
IV. How we protect your personal information
(1) We have used industry-standard security measures to protect the personal information you provide to prevent unauthorized access, public disclosure, use, modification, damage or loss of the data. We will take all reasonably practicable steps to protect your personal information. For example, the exchange of data (such as credit card information) between your browser and the "service" is protected by SSL encryption; we also provide https secure browsing methods for relevant websites; we will use encryption technology to ensure the confidentiality of data; we will Use trusted protection mechanisms to prevent data from being maliciously attacked; we will deploy access control mechanisms to ensure that only authorized personnel can access personal information; and we will conduct security and privacy protection training courses to strengthen employees' awareness of the importance of protecting personal information. know.
(2) We will take all reasonable and feasible measures to ensure that irrelevant personal information is not collected. To the extent permitted by laws and regulations, in order to realize the business functions of this product or service, we will retain your personal information for the necessary period required by the business. Unless otherwise provided by laws and regulations, we will not arbitrarily extend the retention period of personal information.
(3) The Internet is not an absolutely secure environment, and emails, instant messaging and communication with other users are not encrypted. We strongly recommend that you do not send personal information through such methods. Please use a complex password to help us keep your account secure.
(4) The Internet environment is not 100% secure, and we will try our best to ensure the security of any information you send to us. If our physical, technical or management protection facilities are damaged, resulting in unauthorized access, public disclosure, tampering or destruction of information, resulting in damage to your legitimate rights and interests, we will assume corresponding legal responsibilities.
V. Your rights
In accordance with the relevant laws and regulations of the Philippines, we guarantee that you exercise the following rights with respect to your personal information, including: ① Knowing the processing of personal information; ② Accessing personal information; ③ Copying personal information; ④ Transferring personal information; ⑤ Correcting and supplementing personal information ⑥Delete personal information; ⑦Decide, restrict and refuse to process personal information; ⑧Cancellation of user account; ⑨Withdrawal of the agreed authorization. You can realize the aforementioned rights by contacting us in the way shown in "How to Contact Us", or you can realize the corresponding rights through the following ways:
(1) Access to your personal information and privacy policy
You have the right to access your personal information and this policy, subject to exceptions provided by laws and regulations. If you want to exercise your data access rights, you can do so yourself by:
Account Information - If you wish to access or edit personal information and payment information in your account, you can perform such operations by accessing the mobile Internet application terminal of each PESOZONE product. The access path is:
Profile information: [My] - [Settings] - [Personal Center]
Payment information: [My] - [Settings] - [Receiving Account]
Privacy Policy - You can perform such operations by accessing the App terminals of various PESOZONE products. The access path is: [My] - [About Us] - [Privacy Policy].
If you do not have access to this personal information in the manner described above, you can always contact us using our web form, or send an email to help@epesopro.com. We will process your access request within 15 working days.
(2) Correction of your personal information
You have the right to ask us to make corrections when you find that the personal information we process about you is inaccurate. You can apply for correction through the methods listed in "(1) Access to Your Personal Information and Privacy Policy". If you need to change the [registered mobile phone number], you can change it through "[My]-[Security Center]-[Modify the registered mobile phone number]"; if you need to change the [transaction password], you can change it through "[My] ] - [Security Center] - [Modify Transaction Password]".
If you are unable to correct this personal information via the above link, you can always contact us using our web form, or send an email to help@epesopro.com. We will process your correction request within 15 business days.
(3) Delete your personal information
You may request us to delete personal information in the following circumstances:
1. We stop providing products or services, or the storage period has expired;
2. If our processing of personal information violates laws and regulations;
3. If we collect and use your personal information without your consent;
4. If our handling of personal information violates our agreement with you;
5. Other circumstances stipulated by laws and administrative regulations.
(4) The personal information subject cancels the account
You can cancel the previously registered account at any time. You can cancel the account through "[My]-[Security Center]-[Account Management]-[Account Management]-[Account Cancellation]".
After canceling your account, we will stop providing you with products or services. At the same time, unless otherwise stipulated by laws and regulations, otherwise required by regulatory authorities, or otherwise agreed by us and you, we will delete your personal information according to your requirements, unless otherwise stipulated by laws and regulations.
VI. HOW WE PROCESS CHILDREN'S PERSONAL INFORMATION
Our products, websites and services are primarily intended for adults and do not collect personal information from children.
If our products or services need to collect children's personal information in the future, we will formulate a separate privacy policy for the collection of children's information and obtain the consent of their parents or guardians. Although local laws and customs define children differently, we treat natural persons under the age of 14 as children.
VII. Instructions for obtaining system permissions and instructions for using third-party SDKs
If you choose to use our products or services, we will apply to you for the following permissions:
1. Obtain network permissions and SDK networking permissions: When you enter our mobile Internet application, we will obtain this permission to ensure the normal operation of the mobile Internet application and push messages or notifications to you.
2. Permission to obtain and write to the storage system: When you use our products or services, if you need to download the page pictures and store them in the album, we will apply to you for this permission, but except for the pictures you choose, we will not Read other content in your album. You can turn off authorization in the system settings, but after turning it off, the download and storage of images will not be completed.
3. Obtain phone status permission (different device permission names may vary, subject to the system pop-up window): When you register/login to our mobile Internet application, we will apply to you to obtain this permission, which is used for device and Account matching degree analysis, identify and prevent the risk of abnormal account operation, and enrich the basis for personal approval. You can turn off authorization in the system settings, but it may affect the results of fraud risk identification.
4. Permission to obtain location information: When you apply for a personal consumption loan from PESOZONE, we will apply to you for this permission, which is used for account security management and identity identification, to evaluate the authenticity of the loan, to prevent and control the risk of account theft and telecommunications Fraud risk. You can turn off authorization in system settings, but it may affect your loan approval results.
5. Obtain camera permission: When you need to perform living body recognition, we will apply to you for this permission, which will be used for identity verification through the living body recognition and real-name authentication services to verify the authenticity of your identity and ensure the security of your account. You can turn off authorization in system settings, but turning off this permission will not be able to complete living body recognition and real-name authentication.
6. Obtain the access permission of the address book: When you apply for a personal loan from PESOZONE, if you choose to directly select the contact information from the address book, we need to apply for this permission from you in order to realize convenient operation for you, but we will only Collect the contact information you actively select, and will not collect your other address book information. You can turn off authorization in system settings, but you will need to manually enter contact information after turning it off.
7. Access to photo albums: When you use our products or services, if you need to download page pictures and store them in the photo albums, we will apply to you for this permission, but we will not read your pictures except the pictures you choose. Other content in the album. You can turn off authorization in the system settings, but after turning it off, the download and storage of images will not be completed.
8. Get access and change network state, access and change WiFi state, mount and unmount file system, retrieve currently running applications, allow programs to install files, modify global system settings, allow applications to execute additional instructions to access location, allow foreground service Permissions for running, installing applications, and mobile phone vibration feedback are used to realize the needs of basic services of mobile Internet applications.
9. Obtain APP List permission: When you submit loan application materials to PESOZONE, we need to apply for this permission from you, and check whether Facebook, Viber, Instagram are installed, so that users can upload loan materials normally.
VIII. How to update this policy
We may revise this policy from time to time in accordance with laws and regulations, the requirements of regulatory authorities or the needs of business operations. After this policy is revised, we will remind you to read and choose whether to agree to the latest version of the privacy policy through a pop-up reminder.
Generally, we will not reduce your rights under this policy without your express consent. We will post on this page or otherwise notify you of any changes we make to this policy.
For material changes, we will also provide a more prominent notice. In this case, if you choose to continue to use our services, you agree to be bound by the revised policy. Material changes referred to in this policy include, but are not limited to:
1. Our service model has undergone major changes. Such as the purpose of processing personal information, the type of personal information processed, the way of using personal information, etc.;
2. We have undergone major changes in ownership structure, organizational structure, etc. Such as changes in owners caused by business adjustments, bankruptcy mergers and acquisitions, etc.;
3. The main objects of personal information sharing, transfer or public disclosure have changed;
4. Significant changes in your rights to participate in the processing of personal information and the manner in which it is exercised;
5. When there are changes to the responsible department, contact information and complaint channels that we are responsible for handling personal information security;
6. When the personal information security impact assessment report indicates that there is a high risk.
IX. How to contact us
If you have any questions, comments or suggestions, complaints about this policy, please contact us by the following means: Email: help@epesopro.com.
Generally, we will complete the processing within 15 working days.