Privacy Policy - Fuse Cash

Effective Date: October 26, 2023

Welcome to Fuse Cash! At Fuse Cash ("we," "us," "our"), your trust is paramount. This Privacy Policy outlines our firm commitment to responsibly handling your personal data. It details the information we gather, the reasons for its collection, and how we protect it to provide you with a secure and efficient loan experience.

Your use of the Fuse Cash mobile application and services (the "App") constitutes your explicit acknowledgment and agreement to the practices described below. If you do not consent to these terms, please refrain from using our App.

1. Information You Provide to Us

To process your loan application and deliver our services, we require certain personal details that you voluntarily provide:

· Profile Details: This includes your full name, date of birth, and gender.

· Identity Verification: Copies and details from your official identification documents (e.g., SSS ID, Passport, Driver's License) to confirm your identity.

· Contact and Residential Data: Your current home address, personal mobile number, and email address.

· Financial and Employment Data: Information about your profession, income level, and bank account or e-wallet details (such as GCash or Maya) for transaction purposes.

2. Information We Collect for Service Enhancement and Security

To ensure the integrity of our services and protect against fraud, we collect specific data:

2.1. Device and Technical Data:
When you use our App, we automatically receive technical information from your device, including your IP address, device type and model, operating system, and mobile network carrier.

2.2. Information Accessed with Your Explicit Consent:
For the critical purposes of credit assessment and fraud prevention, we will explicitly ask for your permission to access certain data on your device. We transparently state that we will never access this data without your direct and informed consent.

· SMS History: We analyze transactional SMS messages (e.g., from banks, merchants) to assess financial stability. We strictly do not access, read, or store your personal chats or messages.

· Device Location: We may request access to your device's location data to verify the consistency of the information you have provided.

· List of Installed Apps: We review the applications installed on your device as part of a comprehensive risk assessment.

· Contacts and Call Logs: We access your contact list to verify your provided references and analyze call log metadata (not content) for behavioral scoring.

3. Purposes of Data Processing

We utilize your information for clear and defined purposes:

· Core Service Delivery: To evaluate your loan application, determine your credit limit, disburse funds, and manage your repayments.

· Security and Verification: To confirm your identity, maintain account security, and proactively prevent fraudulent activities and identity theft.

· Customer Communication: To deliver essential service notifications, repayment reminders, and respond to your support queries. With your separate consent, we may also inform you about new products or promotions.

· Service Improvement: To analyze user behavior, troubleshoot technical issues, and enhance the functionality and user-friendliness of our App.

· Legal and Regulatory Compliance: To fulfill our obligations under Philippine laws and regulations, including reporting to credit bureaus.

4. How We Share Your Information

We treat your data with confidentiality and share it only under the following circumstances:

· With Trusted Partners: We engage third-party service providers for tasks such as data hosting, analytics, and customer communication. These partners are contractually bound to use your information solely for the services they provide to us.

· For Legal and Compliance Reasons: We may disclose information if required by law, regulation, legal process, or governmental request.

· With Credit Information Agencies: In accordance with Philippine regulations, we report your loan data and repayment performance to accredited credit bureaus.

· During Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the successor entity.

5. Data Security and Retention

· Security Measures: We employ robust security safeguards, including encryption and secure servers, to protect your data from unauthorized access, alteration, or destruction.

· Data Retention: We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Once this period expires, we will securely delete or anonymize your data.

6. Your Data Privacy Rights

Under the Philippine Data Privacy Act, you have the following rights regarding your personal data:

· The right to be informed about how your data is processed.

· The right to access the personal data we hold about you.

· The right to correct any inaccuracies in your data.

· The right to suspend, withdraw, or order the blocking, removal, or destruction of your personal data.

· The right to obtain a copy of your data in a structured, commonly used format.

To exercise any of these rights, please contact us using the information in the "Contact Us" section.

7. Policy Updates

We may periodically update this policy to reflect changes in our practices or for legal reasons. The updated version will be indicated by a new "Effective Date" at the top of this page. We encourage you to review this policy periodically.

8. Contact Information

If you have any questions, concerns, or wish to exercise your rights, please reach out to our Data Protection Officer:

App Name: Fuse Cash
Email: fusecashcustomerservice@gmail.com
Postal Address: SUITE 9‐D THE VALERO TOWER VALERO ST. SALCEDO VILLAGE BEL‐AIR , CITY OF MAKATI, FOURTH DISTRICT,

NATIONAL CAPITAL REGION (NCR), 1209