PesoloanPrivacy Policy
This Privacy Policy explains how Pesoloan (pesoloan.app, "we," "us" or "our") handles information when you visit our website, use our tools or contact us. We try to collect as little personal information as possible. We are an information and comparison website, not a lender, so we do not collect loan applications, IDs, bank details or one-time passwords.
By using this website you acknowledge this policy. If you do not agree with it, please do not use the website.
1. Who is responsible
The operators of pesoloan.app are responsible for the information described here. You can contact us at admin@pesoloan.app for any question about this policy or about your personal data.
2. Information we collect
Information you give us.
- Email address. If you subscribe to updates on our home page, we collect the email address you enter. Our subscribe form also records the website name (the domain) from which you subscribed.
- Messages. If you email us, we receive your email address, your name if you provide it and the content of your message.
Information collected automatically.
- Usage data. Like most websites, we use an analytics service to understand how visitors use our pages. This may include your approximate location (country or city level), device type, browser, pages visited, time on page, referring page and an identifier stored in a cookie or similar technology. We use Google Analytics for this purpose.
- Technical data. Our hosting provider may process technical information such as your IP address and request details to deliver the website and protect it from abuse.
Information we do not ask for. We do not ask for your ID, bank account, e-wallet PIN, passwords, one-time passwords or loan details. Please do not send them to us.
3. Telegram
Some buttons on our website open Telegram, a third-party messaging service, so you can receive information or a sign-up link. When you tap them, Telegram opens and your use of Telegram is governed by Telegram's own terms and privacy policy. Depending on how you interact, we may receive limited information that Telegram provides to bots, such as your Telegram username or the identifier of the website that sent you. We use it only to deliver the information you requested.
4. How we use information
We use information to:
- provide, maintain and improve the website and our tools,
- send the updates you asked for, and let you unsubscribe,
- understand which pages are useful and fix problems,
- respond to your messages and corrections,
- protect the website against misuse, and
- meet our legal obligations.
We do not sell your personal information.
5. Legal basis
We process personal information on the basis of your consent (for example, when you subscribe or message us), our legitimate interest in running and securing the website, and our legal obligations. This follows the principles of transparency, legitimate purpose and proportionality in the Data Privacy Act of 2012 (Republic Act No. 10173).
6. Cookies and similar technologies
Cookies are small files stored on your device. Our analytics service may use cookies to count visitors and measure how pages are used. You can control cookies through your browser settings, delete existing cookies or block them. Blocking cookies may affect some features. You can also use the opt-out tools that analytics providers offer.
7. Third-party links and services
Our pages link to third-party websites, including regulators, news outlets, app stores and lenders. Some links to lenders are tracked so that the lender knows a visit came from our website. When you leave our website, the other party's privacy practices apply, and we are not responsible for them. Before you share personal information with any lender, read its privacy policy, check its registration on the SEC list and review the permissions its app asks for. Our guide on how to check if a lending app is SEC registered can help.
8. Sharing of information
We may share information with:
- Service providers that help us run the website, for example hosting, analytics and spreadsheet or email tools. They may process information only for those services.
- Authorities, where required by law or to protect rights, safety or property.
- Successors, if the website is transferred to another operator, in which case this policy would continue to apply or you would be told of changes.
9. Transfers outside the Philippines
Some of our service providers, including analytics and spreadsheet providers, store or process data on servers outside the Philippines. We take reasonable steps to choose providers that apply appropriate safeguards.
10. How long we keep information
We keep email addresses until you unsubscribe or ask us to delete them. We keep messages for as long as needed to respond and to keep a record of corrections. Analytics data is kept for the period set in our analytics settings. We delete or anonymize information we no longer need.
11. Your rights
Under the Data Privacy Act you have rights over your personal data, including the right to be informed, to access your data, to object, to correct inaccurate data, to ask for removal or blocking in certain cases, to data portability and to claim damages where applicable. To use these rights, email admin@pesoloan.app from the address you used, and tell us what you want. We may ask you to confirm your identity. If you are not satisfied with our response, you can file a complaint with the National Privacy Commission through the guidelines on privacy.gov.ph.
12. Security
We use reasonable technical and organizational measures to protect information. No website or method of transmission is completely secure, so we cannot guarantee absolute security. Please protect your own accounts and do not share passwords or one-time codes with anyone claiming to represent us.
13. Children
This website is for adults. Lending apps usually require users to be at least 18 years old. We do not knowingly collect personal information from children. If you believe a child has sent us information, please contact us and we will delete it.
14. Marketing emails
If you subscribe, we may send you updates about new articles, guides and changes to the information on this website. Every email will tell you how to unsubscribe, or you can write to us and we will remove you.
15. Changes to this policy
We may update this policy from time to time. The version on this page is the current one. If we make a major change, we will say so on this page. Please check it from time to time.
16. Contact
For questions about this policy or your personal data, email admin@pesoloan.app. You can also read our terms of use, disclaimer and affiliate disclosure, which explain other parts of how this website works.
17. Staying safe when you share data with lenders
Although this policy covers our website, many readers come to us because they are worried about what a lending app does with their data. A few simple habits help. Read the permission prompt before you tap Allow, and deny anything that is not needed for your application. Review permissions in your phone settings from time to time. Name only people who agree to be your references. Keep your own copies of the loan agreement and every receipt. If a lender contacts people in your contact list who are not your named guarantors or co-makers, save the evidence and report it. Our guide on debt collection rules and your rights explains where.