Your Personal Information may be collected or gathered through different sources such as cookies, flash cookies, login credentials, employee information from your employer, data gathered from your service providers, data gathered from third party credit bureaus and credit consolidators.
Vidalia Lending Corp. may use your Personal Information or other internet usage data as the Company may require in connection with the conduct of the Company's business, such as, but not limited to: (a) identify and determine you as a user of the Site; (b) communicate with you in relation to your registered account/s or requested information; (c) process the registration of account/s as part of the screening of the investors, borrowers, and loan applications; (d) user profiling; and (e) maintain internal records.
Your Personal Information will be kept 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 our mobile app or on https://vidalia.com.ph. This information will be discarded in a protected and secure manner that would avoid damaging your interest, further processing, and unlawful access or exposure to any third 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.
When you visit vidalia.com.ph, send emails to us, download Vidalia mobile application, create an account on the app, and avail our services, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email, posting notices on our Site, and show you notifications on your mobile app dashboard. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically, satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you to advise you of changes or additions to the Site, our mobile application or about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.
Registrations and Applications
You may be presented with the opportunity to register, apply for a loan or register to be a loan investor through the Site and our mobile application. When you register, become a loan investor, or apply for a loan, you agree to provide current, complete, and accurate information about yourself. When you apply on the mobile app, Vidalia Lending Corp.'s acceptance and approval of your loan application, along with the General Terms and Conditions of the loan will be displayed at the "Loan" page of the app. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to cancel your registration, reject any application you have submitted, terminate any agreement we have with you and restrict your future use of the Site, our mobile application, and our products and services. We reserve the right to reject any registration and/or decline any application for a loan.
Before registering or using https://vidalia.com.ph, or downloading the Vidalia mobile app, it is significantly important for you to know that our services can only be administered and provided if you recognize and agree to communicate and present your appropriate employment, financial, and transactional information. These data may be acquired by Vidalia Lending Corp., on your behalf, from all relevant sources or third parties such as government agencies, service providers, etc. under your authorization and instruction.
Your Content and Information Sharing
By providing information or content on the Site and on our mobile application, you expressly agree to all of the following:
Hence, as a borrower, you also give consent to Vidalia Lending Corp., its partners, bureau affiliates and other third-party service providers to communicate or contact you by means of phone calls, SMS, e-mails, postal mail or any other form of written, verbal or electronic communication for the purpose of (a) credit investigation, (b) providing you updates regarding the status of your loan application or your approved loan, (c) collection of loan, (d) marketing agendas, and (e) any other legal cause.
All the information and content posted on the Site or privately transmitted through the Site or our mobile app or via other means in connection with our services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omissions in any information or content posted by a user.
As a User, you are solely and completely responsible for keeping the privacy of your login information or User Credentials which includes your username, password, account name, and any other authentication and validation information you created or submitted to the Site and to the Vidalia mobile app (“Unique User Credentials”). Through the creation and maintenance of your account, you agree to respect and honor all activities executed and obligations pledged using your account.
You accept and verify that any use of your Unique User Credentials shall at all times assumed to be accessed by you, and if ever by a third party, with your consent and authority. All activities or any transactions using your Unique User Credentials shall be valid. At the same time, transactions created and committed are irrevocable and executed by you.
If there's any indication of illegal access to your account or any breach of its security, you are required to notify the Company of the relevant circumstances thereof as soon as possible.
To access and utilize your usage of the Vidalia mobile app, you shall at your own cost, make sure that your own device is safe and efficient. Vidalia Lending Corp., shall not be responsible for any type of error or failure on behalf of any technical malfunction of your device. At the same time, we shall not be held liable for any kind of computer virus or any other related issues that relate to the use of the services, the system, and the device. As a user, you are also the one amenable for any charges by your service provider that you use for you to access the System, the services, and/or your device. With that, Vidalia Lending Corp. shall also not be accountable for any kind of loss or delay caused by any service provider.
Accountability for Account Misuse
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 account or password, either with or without your consent. As a User, you, on the other hand, can 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 the User's account or password.
While Vidalia Lending Corp. has provided enough precautions as necessary under the Data Privacy Act of 2012, the Company does not grant any assurance or warranty concerning the same. Through this, you acknowledge that you submit and provide your Personal Information at your own risk.
Restrictions on Use
You agree to abide by all applicable laws and regulations in your use of the Site, our mobile application, and our products and services. Also, you agree that you will not do any of the following:
Contracts and Authorization
Your usage and involvement in the products and services on the Site and/or on Vidalia mobile app can be based on your acceptance of certain contracts and authorizations. By officially indicating your agreement and permissions in that matter, you accept and agree to pledge and commit to terms and conditions thereof. Thus, such contracts and authorizations shall be considered validly and willingly performed by you. Upon request, Vidalia Lending Corp. may provide you electronic copies of such documents.
Changes and Modifications
If and only if any provision of these Terms of Service is considered by any capable authority to be nulled or invalid, the significant or relevant provision shall be altered to grant it to be imposed in accordance with the purpose of the original text to the fullest extent authorized by relevant law. The validity, efficacy, and enforceability of the remaining provisions of these Terms of Service shall not be influenced or affected.
Vidalia Lending Corp. may cancel or terminate your access or ability to use the Site or our mobile application immediately, without initial notice or liability, for any reason or no reason, which includes breach of these Terms of Service.
Termination of your access to and use of the Site or our mobile application shall not relieve you of any obligations arising before termination or limit any legal responsibility that you otherwise may have to the Company or any third party.
Exclusion of Liability
The Company, Vidalia Lending Corp., its administrators, officers, representatives, agents, or any employee, shall not be accountable to you for loss, damage or casualty of any type which you may experience as a consequence of being a member or part of the Site. There is only such exception if the loss, damage or casualty result from our breach of these Terms of Service or was brought by total negligence, intentional default or misrepresentation by the Company or employees. The Company shall also not be held accountable for any breach of these Terms of Service resulting from occurrences outside our reasonable control.
Also, upon using our mobile application, Vidalia Lending Corp. shall not be held liable for any kind of loss or failure you might suffer if the Services are interfered due to error in your device, or any other conditions or instances outside Vidalia Lending Corp.’s control including but not limited to device malfunction, enemy or terrorist action, battery power shortage, non-availability of the System, and collapse or breakdown of any private or public telecommunications system.
Furthermore, you also acknowledge that Vidalia mobile app is not developed to satisfy your individual demands and thus, you are responsible for ensuring that the functions and efficiency of the app, as mentioned, meet your requirements.
Vidalia will not be responsible for any type of damages or failure you may suffer in association with or as a result of:
Intellectual Property Rights
The following are owned or are authorized to Vidalia Lending Corp: design, trademarks, service marks and logos of the Site and mobile application (“Marks”), subject to copyright and other intellectual property rights under the laws of the Philippines, foreign laws and international conventions. You shall not utilize, use, copy, duplicate or distribute any of the Marks that can be found on the Site or in the mobile application except otherwise with permission. You also acknowledge that you do not have the right to access the source-code form of the Vidalia mobile app.
We are not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non-Vidalia websites are provided solely as pointers to information on topics that may be useful to our users. Since third party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.