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CEPAT KREDIT FINANCING INC.

The Data Privacy Act is the basic backbone of privacy law in the Philippines and its enactment and implementation has played a significant role in the protection of the privacy of the individuals dealing with information. We are fully committed to comply with the provisions of the Data Privacy Act of 2012, its Implementing Rules and Regulations, NPC issuances, related circulars and/or all other applicable domestic laws, rules, regulations directives and governmental requirements in relation to the privacy, security and protection of Personal Information.

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Cepat Kredit Financing Inc. acknowledge that the customers have express rights under the Republic Act No. 10173 or the Data Privacy Act of 2012 and its Implementing Rules and Regulations, that provide for protection and confidentiality of their Personal Data.

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​In order to be in line with the Data Privacy Act of 2012, we will take the following responsive action, should a breach of data occur:

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We will notify you via email and/or through a phone call within seven (7) business days from the discovery of the security breach. The notification shall at least describe the nature of the breach, the sensitive personal information possibly involved, and the measures taken by us to address the breach.

Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their Personal Information including Sensitive Personal information is being used online. As defined under the Data Privacy Act of 2012, Personal Information refers to any information whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information or when put together with other information would directly and certainly identify an individual.

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Please continue reading this privacy policy to get a clear understanding of how we collect, use, protect or otherwise handle your Personal Information in accordance with our website. Please note that we only collect information necessary to process and evaluate your loan application and to effectively deliver our services to you.

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When we collect your information:

We collect information from you when you apply for a loan on our website, fill out a form, or enter information on our site.

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Information we collect

We collect Personal information from you such as your name, age, birthday, address, email address, phone number or other information necessary to enable us to properly assess, process and evaluate your loan application. We only collect information necessary for providing our services and when you voluntarily submit it to us.

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Use of Information

  • Lawful bases. We process your personal data in accordance with law based on: (a) the performance of our contract with you or to take steps at your request before entering into a loan; (b) our legitimate interests in securely operating our business, preventing fraud, and protecting or enforcing our legal rights, balanced against your rights; (c) compliance with legal and regulatory obligations; and (d) your consent, when required (e.g., marketing).

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  • Application processing and account servicing (contract). We use your data to receive and evaluate your loan application, verify your identity, assess eligibility, decide on and communicate results, onboard approved borrowers, and service and administer your account (including updating contact details and product updates related to your account).

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  • Communications about your account (contract/legitimate interests). We send billing statements, payment confirmations, payment reminders, notices of amounts due, demand letters and service announcements via SMS, email, or mail.

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  • Enforcement and fraud prevention (legitimate interests/contract/legal obligation). We process data to prevent and investigate fraud and misuse; to locate and contact you regarding overdue accounts; and to establish, exercise, or defend legal claims, including sending demand letters and pursuing remedies. We limit processing to what is necessary and proportionate.

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Data protection and security

We only provide downloadable and online forms, articles, and information. We do not use Malware Scanning.

Your personal information is contained behind secured encrypted networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive/credit/personal information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user enters or submits their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

All information voluntarily provided for by our clients is protected as prescribed and in accordance with the Republic Act Data 10173 otherwise known as the Privacy Act of 2012 and other relevant privacy laws.

 

Data retention

We keep your personal information for as long as necessary to best serve you during the duration of the relationship and in accordance with retention limits set by law.

 

Cookies and tracking technologies

We do not use cookies for tracking purposes. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since every browser application is different from one another, kindly use your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, some of the features that make your site experience more efficient may not function properly that make your site experience more efficient and may not function properly.
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

 

Disclosure of information

We do not sell, trade, or otherwise transfer to outside parties your Personal Information. Acts related to the unauthorized processing, transfer, trading, or selling of information are illegal and punishable under the law. However, we may share your information with trusted third-party service provider who assists us in delivering our service in accordance with the Data Privacy Act of 2012 and other relevant data privacy laws.

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Third-party links

We do not include or offer third-party products or services on our website.

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Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. We have not enabled Google AdSense on our site.

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Who to contact for issues

Inquiries, clarifications, or requests in relation to this Data Privacy Policy Statement may be addressed to
Data Protection Officer at dpo@cepatkreditfinancing.com or dataprotection@cepatkredit.com,
or to Unit 305, AIC Gold Tower, F. Ortigas Jr. Rd., Ortigas Center, Pasig City.

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I hereby CONSENT to and allow CEPAT KREDIT FINANCING INC. or any of its Subsidiaries, Affiliates, Partners and accredited Third Party Service Providers to collect, retrieve, process, use and store my personal data such as my name, age, photographs, fingerprints, other biometric data (e.g., facial recognition and voice recognition), mobile number/s, mobile phone usage data, employment details, income, financial data, financial profile, credit standing, loan payment history, and other information that may be required to process my loan application. I fully understand and agree that my personal data will be processed for credit investigation, credit scoring, data analytics, collection, automated processing of the loan, data profiling, direct marketing of products and services of CEPAT KREDIT FINANCING INC. or any of its Subsidiaries, Affiliates, and Partners.

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​Furthermore, I fully understand and agree that my personal data may be processed for purposes including, but not limited to, credit investigation, credit scoring, data analytics, collection, automated processing of my loan, data profiling, direct marketing of products and services of CEPAT KREDIT FINANCING INC. or its Subsidiaries, Affiliates, and Partners, as well as the sending of payment reminders, collection notices, and demand letters, whether through calls, SMS, emails, mail or other lawful means of communication.

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CHATBOT PRIVACY NOTICE 

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Main Privacy Policy 

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Facebook Messenger and Instagram Direct Messages 
 

Cepat Kredit Financing Inc. provides digital customer support through Facebook Messenger and Instagram Direct Messages, including the use of its official automated customer support chatbot and approved digital self-service features. 

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When you communicate with us through these channels, your personal information may be collected and processed in accordance with this Privacy Policy and applicable data privacy laws. 

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The Digital Customer Support and Self-Service Privacy Notice is detailed information regarding how personal information is collected, processed, disclosed, retained, protected, and used. 

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Chatbot Privacy Notice 

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1. Introduction 

This Digital Customer Support and Self-Service Privacy Notice explains how Cepat Kredit Financing Inc. ("Cepat Kredit", "Company", "we", "our", or "us") collects, uses, processes, stores, retains, protects, and discloses personal information submitted through its official digital customer support platform available via Facebook Messenger and Instagram Direct Messages. 

This Notice forms part of the Company's Privacy Policy and shall be read together with it. 

Cepat Kredit Financing Inc. processes personal information in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, issuances of the National Privacy Commission (NPC), and other applicable laws and regulations. 

 

2. About Our Chatbot 

[Official Chatbot Name] is Cepat Kredit Financing Inc.'s official automated digital customer support platform accessible through Facebook Messenger and Instagram Direct Messages. 

The platform is designed to assist customers by providing: 

  • General loan information;  

  • Loan product guidance;  

  • Application guidance;  

  • Frequently Asked Questions (FAQs);  

  • Customer support services;  

  • Loan application status tracking;  

  • Payment schedule inquiries;  

  • Other approved self-service features;  

  • Live Agent requests; and  

  • Referral of customer concerns to authorized Cepat Kredit personnel whenever additional assistance is required.  

The platform is intended to improve customer experience by providing convenient access to customer support and approved self-service functions while ensuring that requests requiring manual review or verification are handled by authorized personnel. 

 

3. Personal Information We Collect 

Depending on the service requested, Cepat Kredit may collect and process personal information voluntarily provided by you, including but not limited to: 

  • Customer Type (Seaman / OFW); 

  • Consent Response (Agree / Decline); 

  • Full Name;  

  • Mobile Number;  

  • Email Address;  

  • Location (City/Province/Country); 

  • Facebook or Instagram account information necessary to facilitate messaging;  

  • Loan Application Number;  

  • Date of Birth (when required for identity verification);  

  • Loan application information;  

  • Employment or income information relevant to your inquiry;  

  • Combined monthly salary/income 

  • Customer inquiries and concerns; Message content;  

  • Conversation history;  

  • Desired Loan Amount; 

  • Payment-related inquiry information;  

  • Loan status inquiry information; and  

  • Other information voluntarily submitted that is necessary to process your request.  

Only personal information that is adequate, relevant, and reasonably necessary for the stated purposes shall be collected. 

 

4. Lawful Basis for Processing 

Cepat Kredit processes personal information through its digital customer support platform based on one or more lawful bases recognized under the Data Privacy Act of 2012, including: 

  • Your consent;  

  • Pre-contractual measures requested by you prior to entering into a loan agreement;  

  • Performance of contractual obligations;  

  • Compliance with legal obligations;  

  • Protection of the Company's legitimate interests, provided such interests do not override your fundamental rights and freedoms; and  

  • Other lawful grounds permitted under applicable laws and regulations. 

 

5. Purposes of Processing 

Personal information may be processed for the following legitimate business purposes: 

  • Responding to customer inquiries;  

  • Providing customer support;  

  • Assisting customers regarding loan products and application requirements;  

  • Facilitating loan application guidance and follow-ups;  

  • Verifying customer identity before displaying account-specific information;  

  • Allowing customers to track their loan application status;  

  • Providing payment schedule information through approved self-service features;  

  • Routing customer concerns to the appropriate authorized personnel;  

  • Facilitating Live Agent assistance when requested or required;  

  • Maintaining customer interaction records;  

  • Improving customer support operations and digital self-service services;  

  • Complying with legal, regulatory, audit, and internal operational requirements; and  

  • Protecting the Company against fraud, misuse, unauthorized access, and other security risks.  

Personal information shall not be processed for purposes incompatible with those stated above unless otherwise authorized by law or with your consent. 

 

6. Human Assistance and Escalation 

While the platform provides automated assistance for common customer inquiries and approved self-service functions, certain requests require manual verification or further evaluation. 

Where necessary, conversations and requests may be transferred or referred to an authorized Cepat Kredit representative or human support agent. 

Human representatives may review conversation records only as necessary to provide customer assistance, investigate concerns, process requests, or comply with legal and operational requirements. 

 

7. Disclosure of Personal Information 

Personal information collected through the platform may be disclosed only to: 

  • Authorized officers and employees of Cepat Kredit Financing Inc.;  

  • Authorized subsidiaries or affiliates, where applicable;  

  • Meta Platforms, Inc. as the provider of Facebook Messenger and Instagram messaging services;  

  • Cloud hosting providers;  

  • Customer Relationship Management (CRM) providers;  

  • Technology vendors and service providers supporting the Company's digital services;  

  • Other authorized service providers acting under the Company's instructions; and  

  • Government agencies or regulatory authorities where disclosure is required by law.  

All authorized third parties are required to implement appropriate security safeguards and process personal information only in accordance with applicable laws and the Company's instructions. 

Cepat Kredit Financing Inc. does not sell customers' personal information. 

 

8. Automated Processing 

The digital customer support platform uses automated processing to provide responses and facilitate approved self-service functions based on information submitted by customers. 

These automated functions may include: 

  • responding to customer inquiries;  

  • displaying loan application status;  

  • retrieving payment schedule information;  

  • providing product information; and  

  • routing conversations to the appropriate support workflow.
     

The platform does not perform automated credit scoring, automated eligibility determination, automated loan approval, or any automated decision-making that produces legal or similarly significant effects on customers. 

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All loan applications remain subject to manual review, documentary requirements, verification procedures, credit investigation, eligibility assessment, and final approval by authorized Cepat Kredit personnel. 

 

9. Data Retention 

Personal information collected through the digital customer support platform shall be retained only for as long as necessary to fulfill the purposes described in this Notice, comply with legal and regulatory obligations, resolve disputes, enforce agreements, or as otherwise required by law. 

Retention and secure disposal of personal information shall be carried out in accordance with the Company's approved Data Retention Policy and applicable legal requirements. 

 

10. Security Measures 

Cepat Kredit implements appropriate organizational, physical, and technical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, accidental loss, or destruction. 

For your protection, please do not disclose: 

  • Passwords;  

  • One-Time Passwords (OTPs);  

  • PINs;  

  • Online banking credentials;  

  • Security codes;  

  • Authentication credentials; or  

  • Other confidential financial credentials  

through Facebook Messenger, Instagram Direct Messages, or the Company's digital customer support platform. 

Cepat Kredit Financing Inc. will never request these credentials through its chatbot or digital customer support services. 

Where sensitive credentials are inadvertently submitted, the Company shall handle such information in accordance with its internal security procedures and applicable data privacy laws. 

 

11. Your Rights as a Data Subject 

In accordance with the Data Privacy Act of 2012, you have the right to: 

  • Be informed;  

  • Access your personal information;  

  • Correct inaccurate or incomplete personal information;  

  • Object to processing where applicable;  

  • Withdraw consent;  

  • Request erasure or blocking where permitted by law;  

  • Obtain a copy of your personal information; and  

  • Lodge a complaint with the National Privacy Commission.  

Requests relating to these rights may be submitted to the Company's Data Protection Officer. 

 

12. Third-Party Platforms 

The Company's digital customer support platform operates through Facebook Messenger and Instagram Direct Messages. 

Your use of these platforms remains subject to Meta's Privacy Policy and Terms of Service. 

Cepat Kredit Financing Inc. is responsible only for the processing of personal information under its control and is not responsible for the independent processing activities of Meta or other third-party platform providers. 

 

13. Important Disclaimer 

Responses generated by the Company's digital customer support platform are provided solely for general informational and customer support purposes. 

Information displayed through chatbot conversations and approved self-service features, including loan application status and payment schedule information, reflects the information available at the time of the customer's request and is provided solely for customer convenience. 

Nothing contained in the chatbot responses or self-service features shall be construed as: 

  • Financial advice;  

  • Legal advice;  

  • Loan approval;  

  • Credit evaluation;  

  • Credit scoring;  

  • Eligibility determination; or  

  • Any legally binding commitment by Cepat Kredit Financing Inc.  

All loan applications remain subject to the Company's standard eligibility requirements, documentary requirements, verification procedures, credit investigation, credit evaluation, and final approval process. 

 

14. Contact Information 

For inquiries, requests, or concerns regarding this Digital Customer Support and Self-Service Privacy Notice Statement or the processing of your personal information, you may contact the Company's Data Protection Officer through: 


Email 

dpo@cepatkreditfinancing.com 

or 

dataprotection@cepatkredit.com 


Office Address 

Unit 2402 Jollibee Plaza,

F. Ortigas Jr. Road, San Antonio,

Ortigas Center, Pasig City
Philippines 

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