Privacy Policy
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All users are strongly encouraged to thoroughly review this Privacy Policy. By clicking on options like "Register", "I Accept EGC Loan's Privacy Policy", "I Agree to My Personal Data Being Collected, Used, Disclosed, Stored, Transmitted, and/or Processed as Described in EGC Loan's Privacy Policy" on the EGC Loan registration page, or during the use of our services or access to the platform, you affirm that you have read, understood, and agree to the terms outlined in this Privacy Policy regarding the handling of your personal information.
1. Stop Receiving Promotional Information
If you decide to stop receiving any form of marketing or promotional information from us, please notify us by email or phone. We are committed to processing your request in a timely manner and will no longer send you such information, and we respect your right to opt out of these communications.
2. Implications of Withholding Your Data
Providing your personal data to us is entirely voluntary and you have the right to revoke your consent regarding the use or processing of such data at any time. However, without your information, our ability to offer you our range of products and services might be compromised. In such cases, it may become necessary for us to discontinue our services to you, in accordance with the provisions of relevant laws. Additionally, where there is a justified basis under the law for retaining your data, such as ongoing loan repayment obligations, we reserve the right to retain your information to fulfill such requirements.
3. Duration of Data Storage by EGC Loan
At EGC Loan, the retention of your Data is carefully managed to ensure it is kept no longer than is necessary for achieving the aims detailed in sections 2 and 10 of our Privacy Policy. Thereafter, a prudent timeframe is observed to satisfy the completion of our service delivery. Furthermore, we reserve the right to retain your Data for extended periods under certain conditions: (i) to adhere to legal and regulatory obligations; (ii) when the law explicitly allows for such retention; and (iii) to establish, exercise, or defend legal claims.
4. EGC Loan engages in the collection and oversight of:
Identifying particulars such as your legal name and date of birth;
Inputs from your loan application, detailing your financial situation, current employment, purpose for the loan, and mobile device specs;
Communication methods, including your postal address, phone number, and email address;
Borrower-specific information, encompassing SSS numbers, employment history, personal and emergency contacts;
Your mobile device's technical specifications, like device ID, operating system, settings, account details, carrier, and network specifics, as well as display features;
The sources of such information (herein referred to as "Info") include:
Installation of the EGC Loan software or when expressing interest in a loan service;
Direct dealings with our team, whether through customer service or loan consultations;
Credit reporting agencies that cross-check your Info with external databases for verification or fraud prevention purposes;
Collecting and managing your Info is vital for the provision of EGC Loan's services or to fulfill legal prerequisites. Collection without your explicit consent only occurs when absolutely necessary.
5. EGC Loan's Data Application Objectives
Evaluating eligibility criteria for our products, such as credit evaluations, financial capability assessments for requested services, and eligibility for service enhancements.
Facilitating the administration of loans, including transaction processing, fund distribution, and repayment oversight.
Undertaking identity verification to authenticate the information provided by users.
Implementing measures to prevent fraud, illegal financial activities, and unauthorized access to our services.
Committing to the continuous improvement of our offerings based on customer insights and operational data.
Addressing any service discrepancies or challenges encountered by users promptly.
Observing legal and regulatory mandates, particularly concerning customer identification and anti-money laundering practices.
Providing marketing materials and updates on promotions, conditional on user consent for such communications.
Ensuring users are informed about significant service updates or changes.
Partnering with credit monitoring and fraud prevention agencies to reinforce service security.
Delivering customer service and support, utilizing various communication channels as specified in our Privacy Policy.
Rationale for Processing Personal Information:
Our legitimate interest in refining our services, operational efficiency, and engaging in meaningful marketing.
The execution of our contractual obligations, ensuring the delivery of services as requested by users.
Based on explicit consent from users for specific processing purposes, aligning with their preferences and legal requirements.
6. Data Utilization and Confidentiality Measures at EGC Loan
Authorized Data Handling and Distribution by EGC Loan
EGC Loan is granted permission by the borrower to conduct thorough credit evaluations and determine eligibility for current and future financial products. This permission extends to assessing suitability for additional offerings by EGC Loan or affiliated third parties, with a strong commitment to leveraging the information responsibly for the borrower's benefit.
In adherence to privacy laws, EGC Loan ensures that personal data is shielded from third-party access, except in instances where sharing is critical for the provision of EGC Loan's services. Research initiatives may receive limited personal data, shared under strict conditions that aim for the utmost data anonymization to preserve user privacy.
Borrowers consent to EGC Loan's practice of sharing their personal data with:
The comprehensive network of EGC Loan, including its subsidiaries, third-party service providers, and upper management, for operational and service quality purposes;
Banking institutions, financial intermediaries, credit evaluation bodies, and entities focused on fraud detection, all contributing to the secure and efficient provision of services;
External partners engaged in enhancing service delivery, data processing, and debt collection efforts on behalf of EGC Loan;
Relevant authorities for compliance with legal obligations, including tax and regulatory mandates, particularly during significant organizational changes or legal proceedings;
Essential disclosures to protect EGC Loan's interests, enforce terms of service, or ensure the safety of its community and operational integrity.
This comprehensive policy underscores EGC Loan's dedication to maintaining robust privacy standards, ethical data sharing practices, and adherence to both local and international data protection regulations.
7. User Agreement and Data Handling Consent
Upon engaging with the EGC Loan App, you:
Agree to abide by the conditions specified in this Privacy Policy;
Authorize EGC Loan to collect, utilize, share, and process your Information, covering personal, sensitive, and confidential data as per the definitions provided by the applicable laws, in accordance to the directives of this Privacy Policy;
Vouch for the fidelity and accuracy of the Information you furnish to EGC Loan;
Allow EGC Loan the capability to assess and validate the veracity of your Information;
Recognize EGC Loan's obligation to potentially disclose your Information to financial and legal authorities including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and various credit reporting agencies, in its pursuit of fulfilling legal and regulatory responsibilities.
8. Facial Information Use and Protection Protocol
User Agreement on Facial Data Collection for Verification Purposes
In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.
By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.
For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.
9. Loan Partner Details
Our Loan Partnering Framework: In line with our commitment to providing top-notch loan and credit solutions, EGC Loan carefully selects its loan providers. We prioritize transparency and wish to share detailed information about these partners with you.
Affiliated Loan Provider Insights:
Name: Suki Financing Corporation
License & Regulation Compliance:
SEC Registration: CS201735266
Authority Certificate No.: 1153
Contact Information:
Support Email: [email protected]
Phone Contact: 9912275261
Physical Address: Regalia tower suites, Quezon City, Philippines, Quezon City, Metro Manila, 1109 Philippines
10. Reaching Out and Privacy Policy Revisions
Should you have any questions or need assistance, our team is available at .
Our Privacy Policy is reviewed and updated periodically to reflect our ongoing commitment to your privacy and security. Please note that the latest policy update was made on 05-01-2025. We advise you to frequently visit this page for the most current policy information.
1. Stop Receiving Promotional Information
If you decide to stop receiving any form of marketing or promotional information from us, please notify us by email or phone. We are committed to processing your request in a timely manner and will no longer send you such information, and we respect your right to opt out of these communications.
2. Implications of Withholding Your Data
Providing your personal data to us is entirely voluntary and you have the right to revoke your consent regarding the use or processing of such data at any time. However, without your information, our ability to offer you our range of products and services might be compromised. In such cases, it may become necessary for us to discontinue our services to you, in accordance with the provisions of relevant laws. Additionally, where there is a justified basis under the law for retaining your data, such as ongoing loan repayment obligations, we reserve the right to retain your information to fulfill such requirements.
3. Duration of Data Storage by EGC Loan
At EGC Loan, the retention of your Data is carefully managed to ensure it is kept no longer than is necessary for achieving the aims detailed in sections 2 and 10 of our Privacy Policy. Thereafter, a prudent timeframe is observed to satisfy the completion of our service delivery. Furthermore, we reserve the right to retain your Data for extended periods under certain conditions: (i) to adhere to legal and regulatory obligations; (ii) when the law explicitly allows for such retention; and (iii) to establish, exercise, or defend legal claims.
4. EGC Loan engages in the collection and oversight of:
Identifying particulars such as your legal name and date of birth;
Inputs from your loan application, detailing your financial situation, current employment, purpose for the loan, and mobile device specs;
Communication methods, including your postal address, phone number, and email address;
Borrower-specific information, encompassing SSS numbers, employment history, personal and emergency contacts;
Your mobile device's technical specifications, like device ID, operating system, settings, account details, carrier, and network specifics, as well as display features;
The sources of such information (herein referred to as "Info") include:
Installation of the EGC Loan software or when expressing interest in a loan service;
Direct dealings with our team, whether through customer service or loan consultations;
Credit reporting agencies that cross-check your Info with external databases for verification or fraud prevention purposes;
Collecting and managing your Info is vital for the provision of EGC Loan's services or to fulfill legal prerequisites. Collection without your explicit consent only occurs when absolutely necessary.
5. EGC Loan's Data Application Objectives
Evaluating eligibility criteria for our products, such as credit evaluations, financial capability assessments for requested services, and eligibility for service enhancements.
Facilitating the administration of loans, including transaction processing, fund distribution, and repayment oversight.
Undertaking identity verification to authenticate the information provided by users.
Implementing measures to prevent fraud, illegal financial activities, and unauthorized access to our services.
Committing to the continuous improvement of our offerings based on customer insights and operational data.
Addressing any service discrepancies or challenges encountered by users promptly.
Observing legal and regulatory mandates, particularly concerning customer identification and anti-money laundering practices.
Providing marketing materials and updates on promotions, conditional on user consent for such communications.
Ensuring users are informed about significant service updates or changes.
Partnering with credit monitoring and fraud prevention agencies to reinforce service security.
Delivering customer service and support, utilizing various communication channels as specified in our Privacy Policy.
Rationale for Processing Personal Information:
Our legitimate interest in refining our services, operational efficiency, and engaging in meaningful marketing.
The execution of our contractual obligations, ensuring the delivery of services as requested by users.
Based on explicit consent from users for specific processing purposes, aligning with their preferences and legal requirements.
6. Data Utilization and Confidentiality Measures at EGC Loan
Authorized Data Handling and Distribution by EGC Loan
EGC Loan is granted permission by the borrower to conduct thorough credit evaluations and determine eligibility for current and future financial products. This permission extends to assessing suitability for additional offerings by EGC Loan or affiliated third parties, with a strong commitment to leveraging the information responsibly for the borrower's benefit.
In adherence to privacy laws, EGC Loan ensures that personal data is shielded from third-party access, except in instances where sharing is critical for the provision of EGC Loan's services. Research initiatives may receive limited personal data, shared under strict conditions that aim for the utmost data anonymization to preserve user privacy.
Borrowers consent to EGC Loan's practice of sharing their personal data with:
The comprehensive network of EGC Loan, including its subsidiaries, third-party service providers, and upper management, for operational and service quality purposes;
Banking institutions, financial intermediaries, credit evaluation bodies, and entities focused on fraud detection, all contributing to the secure and efficient provision of services;
External partners engaged in enhancing service delivery, data processing, and debt collection efforts on behalf of EGC Loan;
Relevant authorities for compliance with legal obligations, including tax and regulatory mandates, particularly during significant organizational changes or legal proceedings;
Essential disclosures to protect EGC Loan's interests, enforce terms of service, or ensure the safety of its community and operational integrity.
This comprehensive policy underscores EGC Loan's dedication to maintaining robust privacy standards, ethical data sharing practices, and adherence to both local and international data protection regulations.
7. User Agreement and Data Handling Consent
Upon engaging with the EGC Loan App, you:
Agree to abide by the conditions specified in this Privacy Policy;
Authorize EGC Loan to collect, utilize, share, and process your Information, covering personal, sensitive, and confidential data as per the definitions provided by the applicable laws, in accordance to the directives of this Privacy Policy;
Vouch for the fidelity and accuracy of the Information you furnish to EGC Loan;
Allow EGC Loan the capability to assess and validate the veracity of your Information;
Recognize EGC Loan's obligation to potentially disclose your Information to financial and legal authorities including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and various credit reporting agencies, in its pursuit of fulfilling legal and regulatory responsibilities.
8. Facial Information Use and Protection Protocol
User Agreement on Facial Data Collection for Verification Purposes
In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.
By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.
For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.
9. Loan Partner Details
Our Loan Partnering Framework: In line with our commitment to providing top-notch loan and credit solutions, EGC Loan carefully selects its loan providers. We prioritize transparency and wish to share detailed information about these partners with you.
Affiliated Loan Provider Insights:
Name: Suki Financing Corporation
License & Regulation Compliance:
SEC Registration: CS201735266
Authority Certificate No.: 1153
Contact Information:
Support Email: [email protected]
Phone Contact: 9912275261
Physical Address: Regalia tower suites, Quezon City, Philippines, Quezon City, Metro Manila, 1109 Philippines
10. Reaching Out and Privacy Policy Revisions
Should you have any questions or need assistance, our team is available at .
Our Privacy Policy is reviewed and updated periodically to reflect our ongoing commitment to your privacy and security. Please note that the latest policy update was made on 05-01-2025. We advise you to frequently visit this page for the most current policy information.