Credit Plus Loan Privacy Policy

This Privacy Policy ("Policy") governs your access and use of Credit Plus Loan.

USCREDIT LENDING INC. (“Credit Plus Loan” “we,” or “us”) is a company registered and operating under the laws of the Republic of the Philippines. We manage the daily operations, technical support, and services of the Credit Plus Loan mobile application.

The Credit Plus Loan platform is a digital service that allows users to apply for loans and access related financial services.

Joywin Lending Investor, Inc. is a licensed lending institution in the Philippines. It serves as the authorized lending company for the Credit Plus Loan application and is responsible for ensuring regulatory compliance. All loan-related services provided through the application fall under its legal and regulatory responsibility.

Credit Plus Loan is operated by USCREDIT LENDING INC., which is primarily responsible for the day-to-day operation of the loan application, technical payment, and user service maintenance. Credit Plus Loan is authorized and licensed to conduct lending through Joywin Lending Investor, Inc., a legally licensed lending company authorized to engage in lending business and responsible for regulatory compliance related to lending services.

Both USCREDIT LENDING INC. and Joywin Lending Investor, Inc. comply with all applicable laws and regulations in the Philippines, including:

This document outlines how Credit Plus Loan collects, stores, uses, and protects information you provide—both directly through your engagement with our platform and indirectly via authorized third-party channels—in the course of accessing our online services. We retain your information only for the duration permitted by law or as necessary for the purposes for which it was obtained.

Your information will be used solely in accordance with the methods and objectives stated in this Policy. We collect personal information only when you voluntarily provide it or explicitly consent to such access, and strictly to the extent relevant and necessary for conducting our services and transactions with you.

Credit Plus Loan may update this Privacy Policy periodically by publishing a revised and dated version on this site without prior individual notice. Your continued use of our products and services constitutes acceptance of the practices described herein.

INFORMATION WE NEED TO COLLECT

To ensure the accuracy of your loan application and comply with legal obligations, we collect the following personal identification details:

A. Personal Identification Information

Marital status and educational background allow us to better understand your financial situation.

Used to create user accounts and verify user identity.

Used to verify your identity and maintain accurate documentation.

Verifies your location and confirms service availability in your area.

Type and number are collected to confirm identity and support fraud prevention.

Birthdate, age, and gender help us meet regulatory requirements and personalize services to better suit your profile.

B. Required Permissions & Data Usage

Purpose: Required for identity verification and document submission

Data Handling: Images are processed in real-time and not retained after use

Purpose: To provide location-based services, enhance security, and prevent fraud.

Data Handling: Your location data is kept confidential and not shared without consent, unless required by law.

Content: Device name and model, Language and regional settings, Operating system details and browser version, IP address, Battery status

Purpose: To ensure proper app functionality, optimize performance, and enhance security.

Data Handling: This information is used for system operations and is kept confidential, not shared without consent unless required by law.

Purpose: To allow you to create or store loan-related schedule information for personal reference.

Data Handling: Calendar access is optional. If granted, we only add loan-related entries and do not read or collect your existing calendar data. You may disable this permission at any time in your device settings.

Purpose: To support identity verification and risk management through selected contacts.

Data Handling: We only access contacts you explicitly choose via the system picker. We do not access, collect, or upload your full contact list.

Purpose：Prevent identity fraud& Safeguard your transactions

Data Handing: live photo

We commit to the following:

1. Your facial data is encrypted and stored with high-level protection

2. Used exclusively for identity verification – never marketing, advertising, or third-party sales

3. You may request deletion of this data upon account closure

Purpose：To improve user experience, provide personalized financial services, and enhance account security.

Data Handing: We collect the IDFA, a resettable device identifier. It is used for the above purposes and handled securely.

C. Device and Technical Information

Used to optimize app performance and ensure compatibility with your device.

Helps monitor account activity and enhance fraud prevention.

D. Financial Information

Used to facilitate loan disbursement and repayment processes.

Helps us assess your repayment capacity.

Allows us to evaluate your overall debt situation and offer responsible lending.

OUR COMMITMENT TO DATA PROTECTION

At Credit Plus Loan, safeguarding your personal and financial data is our top priority. We employ industry-leading security measures to maintain your privacy and trust:

All data transmitted between your device and our servers is secured with 256-bit SSL encryption, ensuring confidential and protected transfer of your information.

Strict internal protocols limit data access to authorized employees only, with comprehensive monitoring to prevent unauthorized use.

We follow data minimization practices—gathering only essential information required to deliver our services and meet legal requirements.

PURPOSE OF PERSONAL INFORMATION COLLECTION

A. Credit Evaluation and Service Qualification

To determine your eligibility for financial products, we may:

1. Assess your creditworthiness and repayment capability

2. Conduct necessary background reviews, including credit scoring

3. Analyze your financial status and behavior

4. Securely share essential information with authorized third parties strictly for processing your application

B. User Support and Service Enhancement

To improve your overall experience, we use your information to:

1. Troubleshoot technical issues within the application

2. Respond to questions related to your account

3. Deliver tailored assistance and support

4. Enhance service quality based on feedback and usage patterns

C. User Communication and Account Services

To maintain clear and efficient communication, we may use your information to:

1. Provide important account notifications and payment reminders

2. Update you on transaction status and changes

3. Address complaints or resolve disputes

4. Send promotional communications, subject to your consent

5. Conduct satisfaction surveys to improve service delivery

YOUR DATA RIGHTS AND CHOICES

We are committed to honoring your privacy rights and offer the following options to manage your personal information:

1. Review Your Data: You may request access to the personal information we maintain about you, allowing you to verify what data has been collected.

2. Update Inaccurate Details: If any information we hold is incorrect or outdated, you can request corrections. We will process such requests promptly to maintain the accuracy of your data.

1. Withdraw Consent: You may withdraw your consent for the use of your personal information at any time. We will take immediate steps to cease processing your data as requested.

2. Submit a Complaint: If you have concerns or complaints about how your data is handled, you have the right to lodge a complaint with the National Privacy Commission. We encourage you to first contact us to resolve any issues directly.

THIRD-PARTY DATA SHARING

A. Credit Evaluation and Loan Services

To accurately assess your credit profile and process your loan application, we may share relevant personal and financial information—such as full name, government ID, employment details, and existing loan commitments—with accredited credit bureaus and partner financial institutions. This enables verification of your credit history, repayment capacity, and applicable loan terms.

B. Trusted Service Providers

We collaborate with authorized third-party providers for technical, operational, and customer support services—including payment processing, data storage, and system maintenance. All partners are bound by strict confidentiality agreements and may use your data only to deliver the services we request.

C. Third-Party Tools (SDKs) for Enhanced Services

To maintain a secure and high-performing app experience, we integrate selected third-party software tools that support:

These tools are carefully selected for their compliance with data protection standards and do not retain your information beyond authorized purposes.

Third-Party Service Providers

Purpose: To perform biometric authentication and prevent fraud through facial verification.

Data Handling: We collect live selfie images for liveness detection and government-issued ID photos when submitted. This data is used only for verification and is handled securely.

Purpose: Provides encrypted, temporary hosting of ID and selfie images used during identity validation.

Data Handling: We collect device identifiers, app installation and launch events, and non-sensitive user interaction data. This information is used for analytics purposes and handled securely.

Purpose: To analyze user acquisition channels and in-app behavior for marketing optimization and product improvement.

Data Handling: All uploads use HTTPS encryption; content is automatically deleted within 70 days.

DATA PROTECTION AND COMPLIANCE

At Credit Plus Loan, safeguarding your personal and financial information is our fundamental commitment. We employ comprehensive and industry-aligned security measures to preserve the confidentiality and integrity of your data. Our protocols are designed to prevent unauthorized access, misuse, alteration, or any form of data breach.

A. Security Safeguards

B. Regulatory Compliance

We operate in full compliance with data protection standards set by the Philippine National Privacy Commission. All processing activities align with the commitments made in this Privacy Policy.

C. Openness and Responsibility

We maintain transparency in how we protect your data and welcome your inquiries. Should you have questions or wish to discuss our security practices, please contact our support team.

D. Data Retention & Security Disclaimer

We implement robust measures to protect your information; however, no method of electronic transmission or storage is completely infallible. While we continuously strengthen our systems and protocols, we cannot guarantee absolute security against unauthorized access, alteration, or misuse by third parties such as hackers.

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable laws and regulations. Specific retention periods include:

POLICY UPDATES

A. Revisions to This Policy

We may update this Policy from time to time to reflect:

1. Changes in legal or regulatory requirements

2. Introductions of new services or technical features

3. Enhancements in security standards and industry practices

B. Notification of Changes

In the event of material changes, we will:

1. Clearly publish the revised Policy within the app, accompanied by a summary of key updates

2. Revise the effective date displayed at the beginning of this document

3. Notify users of significant amendments through in-app messages or other prominent means

C. Acceptance Through Use

Your continued use of our services following any update indicates:

1. Your awareness of and agreement to the updated Policy

2. Acceptance of the amended terms, unless you formally notify us of objections

CHILDREN’S PRIVACY

Only users aged 18 or older may use our services. We do not knowingly collect or handle personal information of anyone under 18. Should you find that a minor has submitted their personal data to us, kindly reach out to our team, and we will promptly take proper measures to remove and delete such information.

CONTACT US

Phone number: 09082953688

Address: Marajo Tower North Penthouse Unit, 26th Street corner 4th Avenue, Fort Bonifacio, Taguig, Metro Manila, 1634 Philippines