Finloo Philippines Privacy Policy

Last updated:July 7, 2025

At Finloo, we are committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy Policy explains how Finelia Ltd (Registration number: 17279064, Registered Office: Harju maakond, Tallinn, Kesklinna linnaosa, Tuukri tn 19-202, 10120, EE.) (“Finloo,” “we,” or “us”) collects, uses, shares, and protects the personal data of individuals (“you”) who access or use our website finloo.com.ph (the “Website”) and related services.

1. Personal Data We Collect

We gather information that you voluntarily provide when you register for an account, complete our loan-comparison questionnaire, or contact our support team: your full name, date of birth, mobile number, email address, government-issued ID details, proof of address, income information, and employment status. We also receive certain data automatically when you interact with the Website—your IP address, device type, browser version, pages viewed, and session duration—to help us analyze and improve our service. Finally, we use cookies and similar technologies (e.g., web beacons) to remember your preferences, enable secure login, and deliver a personalized experience.

2. How We Use Your Data

Your personal information is used to: facilitate credit intermediation by matching you with Participating Lenders; verify your identity; evaluate your credit eligibility; process and deliver loan offers; communicate application status and administrative notices; respond to your inquiries; and send you service-related updates. With your explicit consent, we may also send you marketing communications about new features, promotions, or partner offerings. You can opt out of marketing messages at any time by following the unsubscribe link or contacting us directly.

3. Data Sharing and Disclosure

We share your data only with entities you authorize. When you submit a loan request, we transmit the minimal necessary personal information to our Participating Lenders—banks, BSP-licensed fintechs, cooperatives, or microfinance institutions—for their independent credit assessments. We do not sell your data to third parties. We may also disclose information if required by law, to comply with a valid court order, or to protect our rights, property, or safety, and that of our users or the public.

4. Cookies and Tracking Technologies

We use session cookies (which expire when you close your browser) and persistent cookies (which remain until you delete them) to authenticate your visits, maintain your preferences, and gather analytics. You may disable cookies via your browser settings; however, doing so may prevent you from using certain features or logging in securely.

5. Your Rights Under Philippine Law

Under the Data Privacy Act of 2012, you have the right to Access, Rectify, Erase, Restrict processing, and Port your personal data (the ARCO rights). To exercise these rights, or to withdraw consent, please contact our Data Protection Officer at info@finloo.business. We will respond to your request within the timeframes mandated by law.

6. Data Security

We implement administrative, technical, and physical safeguards—such as SSL/TLS encryption, secure tokenization, and regular security audits—to protect your data from unauthorized access, alteration, or disclosure. Our employees and service providers are bound by confidentiality obligations.

7. Retention Period

We retain your personal data only as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with legal obligations, or to resolve disputes. Once those reasons no longer apply, we securely delete or anonymize your data.

8. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or applicable laws. Any material revisions will be posted on the Website with an updated “Last updated” date. Continued use of the Website after such changes constitutes your acceptance of the revised policy.

9. Contact Information

If you have questions, concerns, or wish to exercise your data-protection rights, please reach out to us:

Email: info@finloo.business