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Privacy policy

Privacy Policy

User Agreement

This offer is published by Zaimoo on the website Zaimoo.ph (hereinafter referred to as the “Site”) and constitutes a public offer for individuals interested in entering into loan agreements and borrowing agreements for purposes not related to entrepreneurial activities. This offer is also addressed to those intending to submit applications and necessary documents to credit and microfinance organizations for the execution of the specified agreements. By checking the box in the registration form, you confirm that you are familiar with the terms of this User Agreement (hereinafter referred to as the “Agreement”) and understand that they may affect your use of the Site.  

Using the Site implies, but is not limited to, access to its content, viewing information, or providing personal data for registration necessary for the functioning of the Site. By using the Site, you confirm your agreement with the terms of this Agreement and undertake to comply with them. If you do not agree with these requirements, we ask you to immediately leave the Site and refrain from using our services.  

Services Provided

The site Zaimoo.ph is not a credit organization and does not provide loans, borrowings, or other credit products to users. It operates as an aggregator of financial offers from various credit organizations that possess all necessary licenses and certificates. The Site is not responsible for any lending transactions or their terms. All calculations are approximate; final terms should be clarified on the website of the specific credit organization.  

By submitting an application through the Site, you agree that Zaimoo will select one or more credit organizations or financial service providers in accordance with your request.  

The Site may contain links to third-party resources. Zaimoo does not control these resources and their content, makes no representations regarding them, and is not responsible for any losses or damages arising from access to or use of such resources.  Accuracy of Information

Zaimoo does not guarantee that the information posted on the Site is reliable, complete, accurate, or exhaustive. The company is not responsible for the accuracy or completeness of the information presented on the Site, nor for the formation of users’ trust in it.  

We strive to regularly update the Site and may add, modify, or remove its content at any time. Access to the Site may be suspended or canceled indefinitely if necessary.  

We reserve the right to make changes to the Site and the terms of this Agreement at any time. You are required to regularly review the terms of this Agreement. Using the Site after changes have been made signifies your agreement to those changes.

Personal Data

Your Personal Data is used to ensure the functioning and improvement of the Site. By using the Site, you confirm your consent to the collection and processing of information in accordance with this Privacy Policy.

Collection and Use of Your Personal Data

Types of Collected Data

In the process of using our Site, we may request that you provide certain personal information (hereinafter referred to as “Personal Data”), which may be used to contact you or identify you. Personal information may include, but is not limited to:

– Email address or physical address

– First and last name

– Date of birth

– Phone number

– Income

– Website usage data

– Bank account details

– IP address

– Behavior on the Site; this data will be used to inform Zaimoo about which pages of the Site are used most frequently.

– Other identifying information.

Usage Data

Data is collected automatically during the use of the Site.

Usage information may include, but is not limited to, the following details: the Internet Protocol address of your device (e.g., IP address), browser type and version, the pages of our Site that you visit, the time and date of your visit, the duration of your stay on those pages, unique device identifiers, and other diagnostic data.

When accessing the Site from a mobile device, we may automatically collect certain information, including, but not limited to, the type of your mobile device, unique device identifier, IP address of the mobile device, operating system, browser type, and other diagnostic data.

Additionally, we may collect information that your browser sends whenever you visit our Site or when you access it from a mobile device.

Use of Your Personal Data

The Company has the right to use Personal Data for the following purposes:

  1. Ensuring the Functionality of the Site: Including monitoring its usage.
  2. Account Management: To administer your registration as a user of the Site. The Personal Data you provide grants access to various features available to registered users.
  3. Fulfillment of Contractual Obligations: For developing, complying with, and concluding contracts for the purchase of products or services, as well as any other agreements made through the Site.
  4. Communication with You: For communication via email, phone calls, SMS, or other similar means of communication, such as push notifications in the browser or mobile app about updates and informational messages regarding features, products, or services, including security updates when necessary or appropriate.
  5. Informing About News and Offers: To provide you with information about new arrivals, special offers, and other products, services, and events similar to those you have already purchased or inquired about, unless you have expressed a desire not to receive such notifications.
  6. Managing Requests: To process and manage your inquiries to us.
  7. Additional Purposes: Using your data for analysis, identifying usage trends, evaluating the effectiveness of advertising campaigns, as well as improving the Site, products, services, marketing, and your user experience.

We may share your personal information in the following cases:

  1. Service Providers: Your personal information may be shared with service providers for monitoring and analyzing the use of our Site, as well as for contacting you.
  2. Business Transfers: We may share or transfer your personal information in the context of or during negotiations regarding a merger, sale of Company assets, financing, or acquisition of all or part of our business by another organization.
  3. Affiliates: We have the right to share your information with our affiliates, provided that they comply with this Privacy Policy. Affiliates include our parent company, subsidiaries, joint venture partners, and other organizations under common control.
  4. Business Partners: Your information may be shared with our business partners for the purpose of offering you specific products, services, or promotional campaigns.
  5. With Other Users: If you share personal information or interact with other users, such information may be accessible to all users and may be publicly distributed.
  6. With Your Consent: We may disclose your personal information for any other purposes with your consent.

Retention of Your Personal Data

The retention period of your personal data depends on the purposes for which you provided it:

  1.  If you choose to opt out of marketing communications, we will retain your information to account for your preferences.
  2. Any information related to credit applications submitted through our Site will be retained for at least 6 years from the termination of our relationship. This period is necessary for addressing potential complaints in the future.

Links to Third-Party Resources

Our Site may contain hyperlinks to other websites that are not under our control. When you click on a link to a third-party site, you will be redirected to that resource. We recommend that you review the Privacy Policy of each site you visit.

We do not control and are not responsible for the content, privacy policies, or actions of any third-party websites and services.

Consent  

By applying for a loan through our Site, you consent to interact with Zaimoo, as well as with our partners, credit organizations, and financial service providers regarding your online application. We process your personal data based on this consent.

You have the right to withdraw your consent for the processing of personal data for marketing purposes at any time. To do this, simply click the “Unsubscribe” button in any marketing message that we or our partners send you. You can also withdraw your consent by sending an email to our data protection specialist at info@zaimoo.ph. The withdrawal of consent will not affect the legality of the processing carried out prior to the withdrawal.

Push Notifications  

With your consent, we may send push notifications to your mobile device or web browser. These notifications may contain marketing information from us as well as from third parties. You can change your push notification settings at any time through your browser or mobile device notification settings.

Data Security  

Ensuring the security of your personal data is a priority for us. Although no data transmission over the Internet can be completely secure, we make every effort to protect the information you provide to us. However, we cannot guarantee the security of any information in the future. By using our Site, you accept the inherent risks of transmitting personal data over the Internet. You agree not to hold us liable for any security breaches.