Privacy Policy

PayJoy Philippines Finance Inc.

The privacy of individuals, including our customers and clients, is of utmost importance to PayJoy Philippines Finance Inc. (hereinafter the “Company” or “PayJoy PH”). At PayJoy PH, we are committed to complying with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012, that governs the processing and protection of personal data.

This serves as PayJoy PH’s statement on its data processing activities. It is essential to clarify that this is not a consent form; rather it is an announcement detailing how PayJoy PH handles personal data.

Purpose

Aligned with the principles of transparency, legitimate purpose, and proportionality, and in acknowledgment of the data subject’s right to be informed, this Privacy Notice (“the Notice”) furnishes you, the data subject, with clear, sufficient, transparent, and easily accessible information about the collection and processing of personal data, either yours or that of the person you represent through products or services contracted from PayJoy PH.

This Notice is intended to establish in clear terms the types of information collected, the reason for such collection, the source of the information, the entities with which said information may be shared, the rights of the data subject, as well as the practices and processes adopted by the Company for the appropriate management of this information.

Policy to Protect and Respect Personal Data

PayJoy PH is unwavering in its commitment to protecting and respecting the privacy of personal data. We have instituted measures compliant with the requirements of the Data Privacy Act of 2012.

Definitions

The following terms shall have the respective meaning whenever they are used in this Notice:

• Consent – any freely given, specific, informed indication of will, where the Data Subject agrees to the collection and Processing of their Personal Information.
• Data Sharing – the disclosure or transfer to a third party of personal data under the custody of a Personal Information Controller.
• DPA – Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012;
• Data Subject – an individual whose Personal Information is processed;
• Personal Data – any information that can identify an individual, including:
  • Personal Information – information from which the identity of an individual is apparent;
  • Sensitive Personal Information – data about an individual’s race, health, government IDs, etc.
  • Personal Information Controller – a person or entity who controls the processing of Personal Data;
  • Personal Information Processor – a person or entity who processes Personal Data on behalf of a PIC.

I. Acts of Processing

The Company processes Personal Data to provide its Services, including Know-Your-Customer procedures, assessing borrowers’ creditworthiness, and facilitating the loan application process. Processing Personal Data serves the purpose of legal obligations, maintaining transaction records, reporting transactions, and credit reporting.

II. Personal Data Collected

We collect the Personal Data from you when you manually or electronically submit the following:

• Identification data: full name, address, proof of residence, email address, phone number, age, birth date, facial photo (including selfies), fingerprints, and handwriting;
• Credit reports, watchlists & validation services: requested copies of your credit history which may contain professional and financial information about you;
• Social Media Data: data provided in your social media accounts;
• Telecommunications data: data shared by your telecommunications provider;
• Copies of Documents: documentation such as government IDs;
• Payment Information: information about how you pay your obligations to PayJoy PH;
• Customer Service: information requested in connection with Services.

III. Storage and Retention

PayJoy PH prioritizes responsible data management, and our commitment to safeguarding Personal Information includes ensuring that Personal Data will not be retained beyond what is necessary to:

1. Fulfill the declared purposes;
2. Support the establishment, exercise, or defense of legal claims;
3. Fulfill obligations under relevant laws and regulations;
4. Serve legitimate business purposes.

IV. Use

The Company collects and processes Personal Data for:

1. Contracting PayJoy PH Services;
2. Fraud Prevention;
3. Communication;
4. Managing payment obligations;
5. Data Analytics and Research;
6. Other Business Activities;
7. Legal Compliance;
8. Storing data in company databases;
9. Authenticating and updating user information;
10. Sharing information with third parties.

V. Manner of Collection

The Company may collect Personal Data from:

1. Directly from you;
2. Third parties such as credit reporting agencies;
3. Mobile devices via the PayJoy mobile application;
4. Automatically when you visit the website.

Cookies

A cookie is a small text file that a web server places on your computer when your browser accesses a website. PayJoy PH uses cookies for core functions on our website, analytics, preferences, and behavioral advertising.

VI. Sharing and Transfer of Personal Data

PayJoy PH may disclose and share your Personal Data based on your Consent, legitimate business interests, and applicable laws to governmental agencies, courts, or regulators. This may also include sharing with agents, contractors, and service providers.

VII. International Transfers

PayJoy PH may transfer your Personal Data to recipients in countries other than the one in which the information was originally collected. These transfers will comply with the DPA and relevant laws.

VIII. Rights of a Data Subject

Data Subjects possess the rights to:

1. Access and verify their Personal Data;
2. Rectification if the data is inaccurate;
3. Request erasure or blocking under certain conditions;
4. Object to the processing of data based on legitimate interest;
5. Data portability;
6. Complaint to a competent authority;
7. Seek damages if rights are violated.

IX. Security Measures

The Company has implemented reasonable security practices and procedures for the protection of information and compliance with applicable laws.

X. Changes to the Privacy Notice

PayJoy PH reserves the right to update this Notice and will notify users of substantial changes through its website.

XI. Contact us

For inquiries related to data privacy, you may contact:

Data Protection Officer
PayJoy Philippines Finance Inc.
privacy.ph@payjoy.com
9th Floor Uptown Bonifacio Tower 3
36th St. corner 11th Avenue
Bonifacio Global City, Fort Bonifacio, Taguig City.