PRIVACY POLICY

Vidalia Lending Corp. (the “Company”) ensures that all data and information contained on its website, mobile application, or other related media (collectively, the “Site”) are organized and maintained in accordance with the laws of the Republic of the Philippines.

This Privacy Policy describes how we collect, use, share, and protect your personal information, including sensitive personal information as defined under Republic Act No. 10173 (Data Privacy Act of 2012). By accessing our services, registering on the Site, or using our mobile application, you acknowledge that you have read, understood, and agree to the collection, storage, use, and disclosure of your personal information as described in this Policy.


What Information we collect

The types of personal information we collect depend on the platform and the services you utilize. This may include:

  • Personal Identification: Full name, date of birth, present and permanent address, contact number, email address, gender, civil status, citizenship, parents' names, and social security numbers.

  • Account Credentials: Such as username and/or email address registered (stored inencrypted form)

  • Financial & Employment Data: Information regarding employment, current income, assets, and expenses.

  • Credit & Banking Data: Credit transaction history from consumer reporting agencies and banking details (bank name, account name, account number)

  • Usage & Technical Data: Information submitted through Site features, interaction patterns, and reports regarding app performance.

  • Device Media: Photos and attachments uploaded from your device or external storage necessary for loan processing.


Automated Data Collection

When you visit the Site, we automatically collect log file information, including IP addresses, browser types, referring/exit pages, and interaction data (clicks/landing pages). We may use web beacons (clear gifs) to track online usage patterns and email engagement anonymously.

Third-Party Advertising: Advertisers may use cookies on the Site for targeted behavioral advertising. To opt-out of such data collection for targeted advertising on other sites, visit the Network Advertising Initiative.

Mobile Application Permissions

When using our mobile application, we may request access to:

  • Camera: To capture images/videos for application requirements.

  • Phone: To facilitate direct calls to our customer service.

  • Storage: To read, modify, or delete files received from our server.

  • Network Access: To maintain connectivity and analyze app performance via analytics tools.

How we collect information

  • Directly from you: During registration, loan application, or account transactions.

  • Through Service Usage: Activities conducted on our digital platforms.

  • From Third Parties: Credit bureaus, identity verification services, and public records.

Why we collect information

Your personal information is collected, processed, and stored for the following purposes:

  • To verify your identity and process account registration.

  • To communicate regarding your account or requested information.

  • To conduct credit evaluations and credibility checks.

  • To prevent fraud, fulfill legal requirements, and enforce agreements.

  • To execute marketing and promotional strategies via SMS, email, or social media.

  • To identify, troubleshoot, and resolve service-related issues.

Maintaining and Retaining Your Information

Personal information is retained for as long as necessary for legal, administrative, and business purposes. Even upon uninstallation of the app or deactivation of your account, we may maintain copies in our archives to determine continuing obligations or for the defense of legal claims, in accordance with our record retention policies.

  • Data Transfer:Information may be saved at a destination outside of the Philippines. By submitting your data, you agree to this transfer, and we ensure all necessary procedures are taken to protect your data in compliance with this Policy.

Securing Your Personal Information

We implement physical, technical, and organizational measures to protect your data from unauthorized access or exposure.

  • Authorized Disclosure: By using the Site, you authorize the Company to share your information with co-borrowers (if applicable), government authorities, legal counsel, auditors, collection agencies, and third-party service providers when deemed necessary for transaction support or legal compliance.

Control Over Your Personal Information

Users maintain control over their data and may edit or amend their information in the Site database. You are responsible for maintaining the confidentiality of your account credentials. The Company is not liable for losses resulting from unauthorized use of your account unless caused by our direct negligence.

Cookies and Protection

Our Site uses cookies to remember your preferences and improve your experience. You may decline cookies through your browser settings, though this may interfere with Site functionality. We use pixel tags to recognize customers, customize content, and mitigate fraud risks.

Our Role and Regulatory Compliance

We process your data to comply with obligations from the Securities and Exchange Commission (SEC), Credit Information Corporation (CIC), and other authorized entities. All data is treated with strict confidentiality under the Data Privacy Act of 2012, the Credit Information System Act, and the Anti-Money Laundering Act.

Reporting to the Credit Information Corporation (CIC)

As a registered Submitting Entity under Republic Act No. 9510, Vidalia Lending Corp. is legally mandated to submit credit data to the CIC. This constitutes lawful processing and does not violate the Data Privacy Act.

Changes to Our Privacy Statement

We may update this statement periodically to reflect changes in laws or our data practices. Material updates will be posted on this page.

Connect with Us

For questions or clarifications, please visit our Contact Us page and select the subject “Privacy Policy.”