Privacy and consents

In accordance with the Data Privacy Act of 2012 (R.A. 10173) and its Implementing Rules, I give my consent to PeraNowCompany ("PeraNow", "the Lender") to collect, record, store, use and process my personal information as follows.

1. Personal information collected

• Identity: full name, date of birth, sex, civil status, government ID type and number, ID photo, selfie holding my ID, signature
• Contact: mobile number, e-mail, Facebook / Messenger name, present address
• Financial: source and amount of income, employer or business, payout account (GCash, Maya or bank)
• Loan records: application, evaluation, approval, release, payments and collection history
• Technical: date and time of application and the internet (IP) address used
• Character reference: name, relationship and mobile number of the person I nominate, who has agreed to be contacted

2. Purposes

• To evaluate my application, verify my identity and assess my capacity to pay
• To detect and prevent fraud, identity theft and fake or altered documents
• To prepare loan documents, release the loan and record my payments
• To send me payment reminders and account notices, and to collect overdue amounts in a fair and lawful manner
• To locate and contact me, and to contact my nominated reference(s), if my account becomes overdue or if I cannot be reached
• To comply with the law and the rules of the SEC, AMLC, CIC and other government authorities

3. What PeraNow will NOT do

• Access my phone contacts, photo gallery or social media friends list
• Use my information to shame, threaten or harass me or any other person
• Sell my personal information

4. Storage and retention

My information is stored in secured, access-controlled systems. It is kept while my application or loan is active and for up to five (5) years after full payment or after a declined application, or longer if required by law, then securely deleted.

5. My rights

I have the right to be informed, to access, to object, to correct, to erasure or blocking, to data portability, to claim damages and to file a complaint with the National Privacy Commission (privacy.gov.ph). I may withdraw this consent at any time by contacting the Data Protection Officer. Withdrawal does not affect processing already done or processing required by law or by an existing loan contract. If I do not give or I withdraw this consent, PeraNow may not be able to process my application.

I give my consent to PeraNowCompany ("PeraNow") to disclose and share my personal information only with the following parties and only for the purposes stated:

• Credit Information Corporation (CIC) and accredited credit bureaus - to submit and verify my basic credit data as required by the Credit Information System Act (R.A. 9510)
• Government regulators and authorities (such as the SEC, AMLC, BIR and the courts) - when required by law, regulation or a lawful order
• Payment channels (GCash, Maya, banks and remittance centers) - to release the loan to my account and to receive my payments
• Identity-verification, IT and cloud service providers - to verify my identity and documents and to securely store and process my data, under written agreements that require them to protect it
• Accredited collection agencies and legal counsel - only if my account becomes overdue, bound by SEC rules on fair debt collection
• My nominated character reference(s) - to confirm my identity and contact details, and, if my account becomes overdue or I cannot be reached, as described in the next section

If my account becomes overdue or I cannot be reached

If I miss a payment, or if I change my number, stop answering or otherwise avoid PeraNow, I agree that PeraNow, its staff and its accredited collection agents may:

• contact me by phone call, SMS, e-mail, Facebook Messenger and any other contact details I gave
• visit my home or work address stated in my application, through identified personnel, to discuss my account
• contact my nominated character reference(s) to ask them to have me contact PeraNow and to confirm my current contact details or address. They will be told only that PeraNow needs to reach me about my account, not the amount of my loan.
• endorse my account to an accredited collection agency or legal counsel, send demand letters and file the proper legal action
• report my overdue account to the Credit Information Corporation and accredited credit bureaus, as allowed by R.A. 9510

Contact will be made only between 6:00 AM and 10:00 PM, unless my account is more than 60 days past due or I agree to another time. PeraNow will not contact people in my phone contacts who are not my nominated references, will not post or share my information on social media, and will not use threats, insults or shaming, in line with SEC rules on fair debt collection.

My personal information will never be posted publicly or shared on social media, will not be disclosed to my phone contacts or to anyone other than the parties listed above, and will not be sold.

Some service providers may store or process data outside the Philippines. In that case PeraNow will make sure the data receives protection equal to that required by Philippine law.

I may withdraw this consent by contacting the Data Protection Officer, except for disclosures required by law.