Fast Pino Privacy Policy

Thank you for using Fast Pino (hereinafter referred to as "the App", "we", "us", or "our"). We take your privacy and the protection of your personal information very seriously. This Privacy Policy explains how we collect, use, store, and share your personal information.

Please read this Privacy Policy carefully before using the App. If you do not agree with any term of this Policy, please stop using the App immediately.

1. Information We Collect

In order to provide you with loan services and carry out risk assessment, we may collect the following types of personal information:

1.1 Information You Provide Voluntarily

· Basic Personal Information: Full name, mobile phone number, email address

· Identification Information: Government-issued IDs (e.g., Philippine National ID, driver's license, passport, etc.)

· Financial Information: Bank account details, proof of income, employment information

· Contact Information: Emergency contact details, residential address

1.2 Information We Collect Automatically

· Device Information: Device model, operating system version, unique device identifiers (IMEI/IMSI/Android ID), MAC address, IP address, network carrier information

· APPLIST: List of applications installed on your device

· Contacts: Contact information stored on your device, including names, phone numbers, and email addresses

· Call Logs: Call history information, including phone numbers, call duration, and call timestamps

· Camera: Used for taking photos of identification documents, facial recognition verification, etc.

1.3 Log Information

When you use the App, we may automatically collect certain log information, including usage time, pages browsed, click behavior, operation records, etc.

2. Purpose and Use of Information Collection

2.1 Contacts and Call Logs

· Identity verification and fraud prevention assessment

· Creditworthiness evaluation and repayment capacity assessment

· Contacting you or your emergency contacts in case of overdue payments

· Important Notice: We will only access your contacts and call logs after obtaining your explicit authorization and consent. We will not use this information for any purpose unrelated to the above.

2.2 APPLIST (Installed Applications)

· Risk control and fraud detection — identifying suspicious or malicious applications installed on your device

· Detecting multi-account tools, emulators, Root/jailbreak environments, and other risk conditions

· Loan risk assessment

2.3 Device Information

· Ensuring normal app operation and optimizing user experience

· Device identification and account security verification

· Preventing fraudulent activities and duplicate applications

2.4 Camera

· Taking photos of identification documents for upload

· Facial recognition liveness detection for identity verification

· Customer service identity verification

2.5 General Use of Personal Information

The information we collect will be used for:

· Processing your loan applications and account management

· Assessing your credit risk and determining loan amounts and terms

· Customer service and complaint handling

· Legal compliance and fraud prevention

· Product improvement and analytics

3. Information Sharing and Disclosure

We commit not to sell your personal information to any third party. However, we may share your information with third parties under the following circumstances:

3.1 With Your Explicit Consent

We may share your information with third parties after obtaining your consent.

3.2 Service Providers

We may provide information to third-party partners who provide services on our behalf, including but not limited to:

· Payment processing service providers

· Credit bureaus / credit assessment agencies

· SMS and notification service providers

· Cloud storage service providers

· Data analytics service providers

3.3 Legal Requirements

We may disclose your information when required by:

· Applicable laws and regulations, court orders, or requests from government authorities

· Protecting our legitimate rights and interests, including enforcing repayment obligations

· Protecting public safety or the safety of others

3.4 Debt Collection

In the event that you fail to fulfill your repayment obligations when due, we may, to the extent permitted by law, provide necessary information to third-party collection agencies for debt recovery purposes.

4. Data Storage and Protection

4.1 Storage Location

Your personal information will be stored on secure servers located in the Philippines and abroad. We will ensure that data transmission and storage comply with the requirements of the Philippine Data Privacy Act of 2012 (RA 10173).

4.2 Retention Period

We will retain your personal information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required by law. In general, your personal information will be deleted or anonymized within a reasonable period after you close your account or after your loan is fully settled.

4.3 Security Measures

We implement the following technical and organizational measures to protect your personal information:

· SSL/TLS encrypted transmission

· Encrypted data storage

· Access control and audit logs

· Regular security assessments and vulnerability scanning

· Employee data protection training

5. Your Rights

Under the Philippine Data Privacy Act, you have the following rights:

5.1 Right to be Informed

You have the right to know how and for what purpose your personal information is collected, processed, and used.

5.2 Right to Access

You have the right to request a copy of the personal information we hold about you.

5.3 Right to Rectification

If your personal information is inaccurate or incomplete, you have the right to request correction or supplementation.

5.4 Right to Erasure

You have the right to request the deletion of your personal information, subject to legal requirements.

5.5 Right to Withdraw Consent

You have the right to withdraw your consent to the collection and use of your personal information at any time. Please note that withdrawing consent may affect our ability to provide services to you.

5.6 Right to Complain

If you believe that our data processing practices violate privacy laws, you have the right to file a complaint with the National Privacy Commission (NPC) of the Philippines.

6. Permissions

This App requires the following device permissions. You may enable or disable these permissions at any time through the permission management page in your device settings. Please note that disabling required permissions may prevent the App from functioning properly.

· READ_CONTACTS: Used for risk assessment and fraud prevention. Required for service.

· READ_CALL_LOG: Used for risk assessment and fraud prevention. Required for service.

· CAMERA: Used for identity verification and document upload. Required for service.

· READ_PHONE_STATE: Used for device identification and security verification. Required for service.

· QUERY_ALL_PACKAGES: Used for risk environment detection. Required for service.

7. Third-Party Services

This App may integrate third-party services that may collect your information to provide their services. These third-party services include:

· Payment gateways

· Credit assessment services

· Facial recognition services

· Push notification services

We recommend that you review the privacy policies of relevant third parties to understand their data processing practices.

8. Children's Privacy

This App is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, please contact us immediately, and we will delete such information promptly.

9. Contact Us

If you have any questions, comments, or complaints regarding this Privacy Policy, please contact us at:

Fast Pino Customer Service / Data Protection Officer (DPO)

· Email: support@fastpino.com