• A. Information we may collect from you. We may collect and process the following data about you.

1. Information you give us about you (Submitted information)

   This may include information:

   • provided by filling in forms when visiting our sites or on our App;
   • provided by corresponding with us (for example, by e-mail or feedbacks);
   • provided by downloading or signing up on the App, subscribing to any of our Services (such as applying for a loan), sharing data via the App's social media or email account for application logins, reporting a problem with the App.



2. Information we collect about you and your device.

   Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:

   • technical information, including the type of mobile device you use, unique device identifiers (for example, your Device's IMEI or serial number), your Device’s operating system, the type of browser you use, or your Device’s location and time zone setting (Device Information);
   • information stored on your Device, including contact lists, photos, and storage.
   • data from your use of any other third-party application on the Device or the Service Sites; and
   • details of your use of any of our Apps or your visits to any of Our Service Sites; including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).



3. We need access to some information to be able to offer you a loan. How We Use Collected Information?

   Right Choice Finance may collect and use Users personal information for the following purposes:

   • To Process Account Verification
     We may use the information Users provide about themselves for verification purposes for the Users account. We do not share this information with outside parties except to the extent necessary to provide the service.
   • To Assess Credit Worthiness
     We may use the information Users provide during their loan application process, which includes additional current documentation related to financial activities, to access financial health and credit worthiness. This information is not shared with any outside parties except to the extend necessary to provide the services and facilitate payment and collection.
   • To Send Periodic Emails
     We may use the email address to respond to their inquiries, questions, and/or other requests.



The data we collect from your phone will help us offer you the right loan amount. The data collected would be safe and transported securely. We will also not share your data or sell it to anyone:

• Geolocation: To get info if the borrower is within the Philippines;
• Contact List: To confirm that your guarantor is on your contact list;
• SMS Messages: We are sending notifications for your reference for every login and transactions done;
• Installed Apps: To assess your exposure to other lenders or usage of financial apps;
• Accounts: To reach out to you via email and phone numbers if we need to;
• Camera and Storage: To upload ids and document required during the application process.
• Also, we are collecting data for the purpose of:
• To comply with applicable laws, regulations, legal processes, or government request including but not limited to Know Your Customer Principles, Customer Due Diligence, Anti-Money Laundering and Anti-Terrorism Financing
• To provide and maintain the Service
• To notify you about changes to the Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer care and support
• To provide analysis or valuable information so that we can improve the Service
• To monitor the usage of the Service
• To detect, prevent and address technical issues



4. Unique application numbers.

   When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system and type of device, may be sent to us.

• B. Tracking and cookies

  We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites.

• C. Uses made of the information

  We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined. Information collected by us shall be used for the purpose of determining whether or not to provide a loan to the customer, the amount of such loan and the terms and conditions applicable to such loan. Save in compliance with Philippines Republic Act 10173 – Data Privacy Act of 2012, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information about our users (for example, we may inform them that 500 men aged under 30 have applied for a loan on any given day).

• D. Where We store your personal data

  • The data that we collect from you may be transferred to, and stored in a highly secured database which locations are not disclosed to anyone. By submitting your personal data, you agree to the collection, transfer, storing or processing of your personal data in the manner set out above. We will take all steps reasonably necessary to ensure that your data is treated, stored, and processed securely and in accordance with this privacy Policy.
  • Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
  • It is important to note that your password is the key to your account. Please use unique numbers, letters and special characters, and do not share your password with anyone. If you do share your password with others, you will be responsible for all actions taken in the name of your account and the consequences. If you lose control of your password, you may lose substantial control over your personal information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password. We have enable an auto-session expiration process in case you forgot to logged out your account as an added security to your end.

• E. How We Protect Your Information

  We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. We employ security products, such as firewall and data encryption, and other internal controls which are meant to safeguard all our servers and information systems, including the data stored in these systems.

  • The data that we collect from you may be transferred to, and stored in a highly secured database which locations are not disclosed to anyone. By submitting your personal data, you agree to the collection, transfer, storing or processing of your personal data in the manner set out above. We will take all steps reasonably necessary to ensure that your data is treated, stored, and processed securely and in accordance with this privacy Policy.
  • Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
  • It is important to note that your password is the key to your account. Please use unique numbers, letters and special characters, and do not share your password with anyone. If you do share your password with others, you will be responsible for all actions taken in the name of your account and the consequences. If you lose control of your password, you may lose substantial control over your personal information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password. We have enable an auto-session expiration process in case you forgot to logged out your account as an added security to your end.

• F. Links to Other Sites

  Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child or children have provided us with personal data, please contact us at support@rightchoicefinance.asia. If we become aware that we have collected personal data from children without verification of parental consent, we shall take steps to remove that information from our servers.

• G. Your rights

  We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.

  • Right to Rectification: Users can modify or change their password, login PIN via their profile.
  • Right of Access, Erasure, and Restrict Processing: Users can request access or erasure of their personal information, as well as request restriction on further processing of their personal information by contacting us at support@rightchoicefinance.asia Please allow up to 30 days for requests to be processed. We reserve the right to charge a reasonable fee to process excessive or repeated requests.
  • Right to lodge a complaint with a supervisory authority. Should you feel your data privacy rights are not being adequately protected by us, you have the right to lodge a formal complaint with the appropriate supervisory authority.

  Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information.

• H. Changes to privacy policy

  Any changes we may make to this Policy in the future will be posted on this page and, where appropriate, notified to you when you next start the App or log onto one of the Service Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services. In any event, by continuing to use the App or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.

Your Acceptance of these Terms

By using this Site and applications, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site and Mobile applications. Your continued use of the site and applications following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting Us

If you have any questions about this Privacy Policy, please contact us at 7th Floor, PhilCox Building, 172 Salcedo Street, Legazpi Village, Makati City 1229, Phone: (+632) 7215-3220 Email: info@rcf.ph and support@rightchoicefinance.asia