Privacy Policy

Welcome to Peso Logics Loan ("we", "our" or "the App"), developed and operated by LOAN LOGICS LIMITED.

This Privacy Policy explains what personal data we collect, how we use it, and how we protect your information when you use our mobile application. Our principal financial partner is Union Bank of the Philippines (SEC Reg. No. 36073, TIN: 000-508-271-000), regulated by the Bangko Sentral ng Pilipinas (BSP).

When you use our App, we collect the following categories of data as disclosed on the App Store:

2.1 Data Used for Tracking

The following data may be used to track your activity across apps and websites owned by other companies:

• Identifiers (Device ID)

2.2 Data Not Linked to Your Identity

Usage and advertising data collected is not linked to your personal identity. We do not directly collect or store name, email, phone number, or financial information within the App.

Collected data is used for the following purposes:

• Analytics: to analyze App usage, understand user behavior, and improve performance;
• Advertising: to display personalized ads and measure the effectiveness of advertising campaigns;
• Tracking: your Device ID may be used to track you across apps and websites of other companies for targeted advertising and marketing attribution;
• Partner Referrals: when you select a loan offer, you will be redirected to Union Bank of the Philippines' platform, where their own privacy policy and terms of service apply.

All credit products available through this App are issued exclusively by Union Bank of the Philippines (SEC Registration No. 36073, TIN: 000-508-271-000), regulated by the Bangko Sentral ng Pilipinas (BSP), subject to their own credit evaluation and approval process.

We may share collected data with the following categories of recipients:

• Advertising Networks: partners receiving Device ID and ad interaction data for targeted advertising and tracking;
• Analytics Providers: third-party services to process usage data and improve the App;
• Union Bank of the Philippines: anonymized interaction data to facilitate loan offer matching;
• Legal Compliance: data may be disclosed when required by applicable Philippine law.

We retain collected data only for as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by applicable law. Analytics and advertising data is generally retained for a maximum period of 24 months.

We implement industry-standard administrative, technical, and physical security measures to protect the data we collect. However, no security system is completely infallible, and we cannot guarantee the absolute security of your information.

In accordance with the Republic Act No. 10173 — Data Privacy Act of 2012 and regulations of the National Privacy Commission (NPC), you have the following rights:

• Right to be Informed: know whether your personal data is being processed;
• Right to Access: request access to your personal data held by us;
• Right to Rectification: request correction of inaccurate or incomplete data;
• Right to Erasure / Blocking: request deletion or blocking of your personal data under applicable circumstances;
• Right to Object: object to the processing of your personal data for specific purposes;
• Right to Data Portability: obtain a copy of your data in a structured, machine-readable format;
• Right to File a Complaint: lodge a complaint with the National Privacy Commission (NPC) at privacy.gov.ph.

You may also disable personalized advertising through your device settings (e.g., "Limit Ad Tracking" / "Allow Apps to Request to Track" on iOS).

To exercise your rights, please contact us using the details provided below.

Our App may contain links to third-party websites and services including Union Bank of the Philippines. We are not responsible for the privacy practices or content of such third parties. We recommend reading their privacy policies before providing personal data.

The App is not intended for persons under 21 years of age. We do not knowingly collect personal data from minors. If you believe a minor has provided us with data, please contact us immediately.

We may update this Privacy Policy periodically. The updated version will be published in the App with a revised "Last updated" date. Continued use of the App after changes constitutes your acceptance of the updated Policy.