Privacy Policy for Vamo Loan App
Effective Date: March 18, 2025
Company Name: Vamo Lending Inc.
At Vamo Lending Inc., we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Vamo Loan mobile application (the "App"). By using the App, you agree to the terms outlined in this policy.
Company Registration No. CS20200000915
Certificate of Authority No.3261
1. Information We Collect
To provide you with our loan services, we may collect the following types of information:
1.1 Personal Information
a.Name, address, contact details (email, phone number), and date of birth.
b.Government-issued identification details (e.g., ID numbers).
c.Financial information, such as income and employment details.
1.2 Device Information
d.Device type, operating system, unique device identifiers (e.g., IMEI, MAC address).
e.IP address, browser type, and mobile network information.
1.3 Camera and Photos
Access to your device’s camera and photo gallery to capture and upload documents (e.g., IDs, proof of income) required for loan applications.
1.4 Usage Data
Information about how you interact with the App, including pages visited, features used, and session duration.
2. How We Use Your Information
We use the information we collect for the following purposes:
a.To process and evaluate your loan application.
b.To verify your identity and prevent fraud.
c.To improve the functionality and user experience of the App.
d.To communicate with you regarding your loan account, updates, and promotions.
e.To comply with legal and regulatory requirements in the Philippines.
3. Permissions We Request
To provide our services effectively, the App requests the following permissions:
3.1 Camera
Used to capture photos of required documents (e.g., IDs, proof of income) for loan applications.
3.2 Photo Gallery
Used to upload existing photos of required documents from your device’s gallery.
3.3 Device Information
Used to ensure the security of your account and detect fraudulent activities.
4. Data Sharing and Disclosure
We may share your information with the following parties:
a.Service Providers: Third-party vendors who assist us in operating the App and providing loan services.
b.Regulatory Authorities: As required by law or to comply with legal processes in the Philippines.
c.Business Partners: With your consent, we may share information with partners for promotional offers.
We do not sell your personal information to third parties.
5. Data Security
We implement industry-standard security measures to protect your data, including encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Your Rights
Under Philippine law, you have the following rights regarding your personal data:
a.Access: Request a copy of the personal data we hold about you.
b.Correction: Request corrections to inaccurate or incomplete data.
c.Deletion: Request the deletion of your data, subject to legal and regulatory requirements.
d.Withdrawal of Consent: Withdraw your consent for data processing at any time.
To exercise these rights, please contact us at gabrieldomingo@vamolending.com
7. Children's Privacy
The Vamo Loan App is not intended for children under the age of 18. We do not knowingly collect or store personal information from children. If we discover that we have inadvertently collected personal information from a child, we will take immediate steps to delete such information.
If you are a parent or guardian and believe that your child has provided us with personal information, please contact us using the details below, and we will promptly delete the information.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we will notify you through the App or via email if the changes are significant.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Vamo Lending Inc.
Email: gabrieldomingo@vamolending.com
Address: Level 10-1 One Global Place, 25th Street & 9th Avenue Bonifacio Global City, Taguig, Metro Manila, 1632 Philippines
10. Compliance with Philippine Privacy Laws
This Privacy Policy complies with the requirements of the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations. We are committed to adhering to the guidelines set by the National Privacy Commission (NPC) to ensure that your personal information is processed lawfully, fairly, and transparently.
By using the Vamo Loan App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
End of Privacy Policy
Vamo Loan
