Your data deserves clear boundaries.

This policy explains how MabuhayCash may collect, use, share, store, and protect personal information for a lending app serving users in the Philippines.

Template effective date: July 17, 2026. Replace placeholders with verified company details before publishing.

1. Who we are

MabuhayCash is a digital lending app experience. Before launch, this section should identify the registered company name, business address, registration number, lending license details, and official support channels.

2. Information we collect

We may collect information you provide directly, information created when you use the app, and information needed to assess and service a loan application.

Identity and contact details, such as name, mobile number, email address, date of birth, address, and government ID details.
Application details, such as requested amount, employment or income information, repayment preferences, and customer support messages.
Device and security data, such as IP address, device model, operating system, app events, fraud signals, and login records.
Payment and servicing data, such as disbursement status, repayment records, overdue balances, and account activity.

3. How we use information

To create and secure your account.
To verify identity, review eligibility, and process loan applications.
To show loan offers, repayment amounts, due dates, and account notices.
To process disbursements, repayments, refunds, and customer support requests.
To detect fraud, protect users, improve service reliability, and comply with legal obligations.
To send product updates or marketing messages when allowed by law or your consent.

4. Sharing information

We may share information only when necessary for service delivery, risk review, legal compliance, or user protection.

Service providers, such as cloud hosting, SMS, email, analytics, payment, identity verification, and customer support vendors.
Financial, payment, or collection partners where needed to disburse funds, receive repayments, or service accounts.
Credit bureaus, fraud prevention partners, regulators, courts, law enforcement, or government authorities when required or permitted by law.
Business transfer recipients if MabuhayCash is involved in a merger, acquisition, financing, or asset transfer, subject to appropriate safeguards.

5. Data retention

We retain personal information for as long as needed to provide services, meet legal and accounting requirements, resolve disputes, prevent fraud, and enforce agreements. Retention periods should be finalized with local legal counsel before launch.

6. Security

We use administrative, technical, and organizational safeguards designed to protect personal information. No online service can guarantee absolute security, so users should keep account credentials private and contact support if they suspect unauthorized access.

7. Your choices and rights

Depending on applicable law, you may request access, correction, deletion, restriction, objection, portability, or withdrawal of consent. You may also opt out of marketing messages through available unsubscribe or account settings.

8. Children

MabuhayCash is intended for adults who are legally able to enter into loan agreements. We do not knowingly collect personal information from children.

9. Updates

We may update this Privacy Policy from time to time. Material changes should be communicated through the app, website, email, SMS, or another appropriate channel.

10. Contact

For privacy questions, requests, or complaints, contact: privacy@mabuhaycash.example. Replace this placeholder with your official privacy contact before launch.