All data and information in Vidalia Lending Corp, on the website, on the mobile application and other related media(each and collectively the Site), were organized in accordance and compliance with the laws of the Republic of the Philippines.
Your personal information may be organized or processed in the account of the company by personal information processors, in each case with an understanding of your rights and our obligations and responsibilities covered in Republic Act No. 10173 or the Data Privacy Act of 2012.
What Information we collect
The types of personal information we collect depends on the platform, the products and services you use. This data may include:
Your contact information such as your complete name, present and permanent home address, contact number, and email address;
Log-in information such as username and password;
Your date of birth, social security number, and other information provided by consumer reporting agencies, your payment history and other information about you we access to verify your identity and manage risk;
Information such as your bank account numbers and bank account credentials so we can process your application, disburse your loan, and check credibility
Information about your employer, current income, assets, and certain expenses, including details concerning your employment, and transaction information;
Information about you when you visit the Site which includes information submitted by you when interacting with the Site’s features and using its online communication features.
Information about you when you download our mobile application, utilize the app, register for an account, apply for a loan and send a report if there’s a problem with the app, our services or any concern regarding Vidalia Lending Corp.
Information from your phone and USB storage when you upload photos, attachments, or other content information necessary for your loan application.
Also, when you visit the Site or use the products and services available on the Site, we automatically collect certain information from your computer, mobile phone or other access device. Logfile information is automatically reported by your browser or mobile device each time you access the Site. When you use the Site, our servers automatically record certain log file information. These server logs may include anonymous information such as your web request, Internet Protocol (“IP”) address, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, and other such information. When you use the Site, we may also employ clear gifs (also known as web beacons) which are used to anonymously track the online usage patterns of our users. In addition, we may also use clear gifs in HTML-based emails sent to our users to track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Site.
Each time you utilize our services through our mobile application we may request access to: (i) your camera to take pictures and videos for the necessary attachments needed in your application; (ii) your phone to directly call our customer service phone numbers; (iii) your device storage to read the contents of your device and modify or delete the files that you received from our server; (iv) your full network access; (v) your network connections; and (vi) other details that were involved with the use of our mobile application.
Lastly, to analyze and improve the service of our mobile app, we may use software and analytics tools. These tools may use or access random individual information to help us understand how the specific service is utilized. We may associate the data we store in the analytics tool or software to any of your provided personal information when you use our mobile application.
How we collect information
We collect information about you:
From you when you register on the Site, use the Site, and from your transactions, repayments, account funding and withdrawals, and your communications with us;
From you when you download our mobile application, utilize the app, create an account, and apply for a loan; and
From third parties such as credit bureaus, identity verification services, and other public records or websites.
Why we collect information
Your personal information must be collected, processed, used, stated, stored and saved in the site, the site database and mobile application for the following purposes:
to identify you as a user;
to connect and communicate with you regarding your registered account/s or requested information;
to process the registration of account/s as part of the screening;
to provide you and other customers with access to the products and services offered through the Site and the mobile app;
to provide notices and other information to you about or in connection with these products and services;
to provide customer support;
to protect against fraud, fulfill legal requirements and enforce our agreements;
to provide, maintain, develop and improve our services, your experience, and to protect Vidalia Lending and its users;
to check credibility;
for loan disbursement;
to execute promotion and marketing strategies related to the company whether by electronic means such as telephone calls, SMS, social media posts, email, or newsletters; and
to resolve or fix problems with the service.
Maintaining Your Personal Information
Your Personal Information will be retained and maintained by Vidalia Lending Corp. for such period necessary for legal and administrative purposes, and during the duration of your activities, and transactions concerning the services and products availed and utilized in https://vidalia.com.ph or in the Vidalia mobile app. This information will be discarded in a protected and secure manner that would avoid further processing, unlawful access or exposure to the public or any other party. On the condition that the company may maintain copies of your Personal Information in the company’s archives for determining its continuing obligations under this Agreement or according to its bona fide record retention or data back-up policies, access to which shall be restricted on a need-to-know basis, as may be demanded under applicable laws and regulations.
As you uninstall the app to your device, we will still maintain, keep, or share saved customer information as long as it is necessary and it is serving its purpose of why it is obtained, for the establishment, for other legitimate purposes, for practice or defense of legal claims, or as administered by law.
Securing Your Personal Information
Vidalia Lending Corp. values the Personal Information gathered, used, processed, kept and stored through our website and our mobile application. The Company makes sure that all information are protected from potential threats or risks, both online and offline. To avoid illegal access or exposure of any collected and stored Personal Information, Vidalia Lending Corp. ensures the necessary physical, technical and organizational measures at all times.
As a User of the site or of the Vidalia mobile app, you are authorizing the company (Vidalia Lending Corp.) to disclose, share or transfer your Personal information to your co-borrower (if you are a borrower), to government authorities, to lawyers, auditors, collectors and agents of the company, to the banks who are involved or used by you or the company to provide support to any transaction, credit reporting agencies and insurance companies, to involved third-party service providers and to other entities as public interest may be authorized or may be needed by law, at any time, whenever it is deemed necessary and appropriate.
In the event wherein you, the borrower, has failed in repaying your loan obligation timely or correctly, aside from the debt recovery protocols as indicated herein/therein or in compliance with the Philippine Laws, the lender, Vidalia Lending Corp. shall be authorized to present information on such failure to third parties which may include but not be limited to collection agencies in order to collect the loan obligation.
All the processing of data, data sharing or subcontracting agreements are all in compliance with the terms and conditions under the Data Privacy Act of 2012, and/or other relevant laws and regulations as may henceforth be established or implemented. Insomuch as such data processing, subcontracting, or sharing demands approval or consent, we will request or present such consent or notice, in particular cases before processing or disclosing your Personal Information.
Control Over Your Personal Information
Each user keeps, maintains and has control over their Personal Information and may edit or amend their own data registered in the Site database.
As a User, you shall be in charge of controlling, keeping and maintaining the privacy of your own account and password. This includes all activities that occur under the said account (through the mobile application or through the website) such as applications and forms submitted to, conditions agreed to and entered into. You must agree to instantly notify the Company of any unofficial or illegal use or disclosure of your account or password, and/or any unauthorized activities involving your account or any other kind of breach of security.
Vidalia Lending Corp. will not be legally responsible for any loss that you may experience as a result of a third party’s use of your login credentials, either with or without your consent, without negligence or shortcoming on the Company’s side. As a User, you, on the other hand, shall be held legally responsible for any disappearance or damage or loss experienced by the Company concerning or arising from a third party’s use of your User’s account or password, without negligence or shortcoming on the Company’s side.
We protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.
When you access the Site or content or use the products or services available through the Site, we (or companies we work with) may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to recognize you as a customer; customize our services, content, and advertising; collect information about your computer or other access device to mitigate risk; help prevent fraud, and improve our products and services. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of the Site. The help legal section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies. However, certain partners may collect incoming IP addresses in connection with your visits to our Site, for example, to avoid double-counting the number of new members who joined as a result of an advertising campaign.
In the event that any of your information that we control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify you and take other steps in accordance with any applicable laws and regulations.
Upon termination or deactivation of your Vidalia Lending account on the Site, we may retain your profile information and user content and information for backup, archival, or audit purposes.
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