Welcome to Pera Sayo Lending Inc. ("Pera Sayo", "Company", "we", "us", or "our").
Pera Sayo Lending Inc. is committed to protecting and respecting your personal data in accordance with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012, its Implementing Rules and Regulations, and other applicable laws, rules, regulations, and issuances governing financing and lending companies in the Philippines.
These Terms, Conditions, Data Privacy Policy, Consent, and Authorization ("Terms") explain how we collect, use, process, store, disclose, transfer, and protect your personal information when you access or use our website, mobile application, online forms, loan products, digital services, and other related platforms (collectively referred to as the "Platform").
By accessing the Platform, submitting information, clicking "Continue," "Submit," "Proceed," "Accept," or applying for a loan, you acknowledge that you have read, understood, and voluntarily agreed to these Terms and consent to the collection and processing of your personal information as described herein.
Our services are intended only for:
By registering, applying for a loan, or using the Platform, you represent and warrant that you satisfy these eligibility requirements and that all information provided by you is true, correct, complete, accurate, and current.
In creating an account or submitting a loan application, you warrant and agree to provide only actual, accurate, current, complete, and authentic information, documents, declarations, and supporting records.
You further acknowledge and agree that any false statement, concealment, forged document, material misrepresentation, unauthorized use of another person's information, or fraudulent act may constitute sufficient ground for:
The Company reserves the right to reject any registration, deny access to the Platform, decline any application, or terminate services for any violation of these Terms or applicable laws.
Prior to registration and use of the Platform, you understand that certain services may only be provided if you agree to disclose relevant employment, financial, transactional, identification, and verification information in compliance with our Know Your Customer ("KYC") procedures and regulatory obligations.
By continuing with and submitting your application, you expressly authorize and consent to the collection, recording, organization, storage, updating, retrieval, consultation, use, consolidation, sharing, disclosure, transfer, and processing of your personal information and sensitive personal information by Pera Sayo Lending Inc., its affiliates, subsidiaries, authorized representatives, employees, agents, service providers, technology partners, payment channels, banks, financial institutions, verification providers, collection agencies, legal counsels, and accredited third parties for legitimate business purposes related to:
You likewise authorize the Company to verify the authenticity and accuracy of the information and documents you submitted through lawful means and through inquiries with employers, banks, financial institutions, references, government agencies, service providers, credit information companies, and other relevant third parties whenever reasonably necessary.
You expressly authorize the Company to obtain, access, receive, verify, process, consolidate, and use information from third parties including but not limited to:
The information that may be obtained includes, but is not limited to: full name, government-issued identification details, address, birthday and age, employment information, salary and compensation details, bank account details, loan and payment history, purchase or transaction history, photographs and biometric verification information, contact information, and such other information reasonably necessary for identity verification, underwriting, fraud prevention, account servicing, collections, and lawful business purposes.
You further authorize the Company to combine, consolidate, and process information obtained from third parties together with the information you directly submitted through the Platform for purposes of profiling, credit scoring, risk assessment, and account management.
You acknowledge and agree that the Company may communicate with you through various channels using the contact information you provided, including SMS, phone calls, email, WhatsApp, in-app notifications, written notices, and other lawful communication channels.
Such communications may include OTPs and authentication notices, application updates, verification requests, payment reminders, account and servicing notifications, customer support communications, service advisories, disclosures and legal notices, and other legitimate business and servicing-related communications.
You understand that message and data charges from your telecommunications provider may apply.
Personal Information
Additional and Usage Information
Third-Party Information
The Company implements reasonable and appropriate organizational, physical, and technical security measures to protect your information, including encryption technologies, access controls, secure storage systems, firewalls and monitoring systems, employee confidentiality obligations, regular security reviews, incident response procedures, and data minimization and retention controls.
You are solely responsible for maintaining the confidentiality and security of your account credentials, passwords, OTPs, and authentication information. Any activity performed using your credentials shall be presumed authorized by you.
You agree to immediately notify the Company in case of unauthorized access, misuse, or suspected compromise of your account.
You agree not to misuse the Platform or engage in activities including but not limited to fraud, impersonation, unlawful access, uploading malicious software, harvesting data, or posting unlawful or infringing content.
The Platform and services are provided on an "as is" and "as available" basis without warranties of any kind to the fullest extent permitted by law. The Company does not guarantee uninterrupted access, error-free operation, or specific results from the use of the Platform.
To the fullest extent permitted by law, the Company shall not be liable for indirect, incidental, special, or consequential damages arising from the use of the Platform, except where caused by gross negligence, willful misconduct, or fraud by the Company.
The Company shall retain personal information only for as long as necessary to fulfill the purposes stated herein, comply with legal and regulatory obligations, establish or defend legal claims, and satisfy legitimate business purposes. Thereafter, information shall be securely disposed of or anonymized in accordance with applicable laws and regulations.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or relating to these Terms shall be submitted to the exclusive jurisdiction of the proper courts of Taguig City.
The Company reserves the right to amend, modify, or update these Terms, policies, and notices at any time to reflect operational, legal, or regulatory changes. Updated versions shall take effect upon posting on the Platform.
By clicking "Accept," "Continue," "Submit," "Proceed," or by accessing and using the services of Pera Sayo Lending Inc., you confirm and acknowledge that:
