Last Updated: May 12, 2025
Effective Date: May 12, 2025

Welcome to GoPeso ("we," "us," or the "App"). GoPeso is a mobile lending application developed and operated by Sumulong Financing Inc., a duly registered and licensed financing company in the Philippines. The company operates under the supervision and regulation of the Securities and Exchange Commission (SEC), with SEC Company Registration No. CS201915712 and Certificate of Authority No. 1238.

We respect and highly value your privacy. This Privacy Policy is intended to help you understand how we collect, use, protect, and share your personal information, as well as to inform you of your rights related to privacy when using our App. We encourage you to read this Policy carefully to understand our practices and to protect your interests. If you have any questions regarding this Policy, please feel free to contact our customer service team. We appreciate your trust and support.

This Privacy Policy applies to all users ("Users") who apply for and use the credit services provided through the GoPeso App. By using this App, you acknowledge that you have read and understood this Policy. If you do not agree with any part of this Privacy Policy, please refrain from using the App.

We collect various types of information when you use the App. Some information is collected without requiring explicit permissions, while others require user authorization. All collected data is encrypted and securely transmitted to our server at https://api.gopesooffical.com, and we do not share your data with any third parties without your consent. You can manually delete your account and associated data at any time by navigating to:My Profile > Settings > Delete Account within the App.
We respect your right to control your personal information and are committed to ensuring a secure and reliable user experience.

1.1 Personal Information
We may collect the following personal information:
Full name
Mobile phone number
Educational background
Email address
Residential address
Emergency contact name, phone number, and relationship to the user
Valid government-issued ID (e.g., passport, driver's license)
Purpose:
To verify user identity, comply with anti-fraud and financial regulations, conduct credit evaluations, determine loan amounts and interest rates, send repayment reminders, and manage delinquent accounts.

1.2 Transaction Information
When you apply for credit, we may collect data including:
Loan amount requested
Interest rate
Repayment term
Transaction history
Application status and progress
Purpose:
To analyze transaction patterns, optimize product and service strategies, define contractual obligations, and assess repayment capacity and credit risk.

1.3 Payment Information
If you use the App for payments or loan repayments, we may collect:
Bank account details, e-wallet IDs, or other payment methods (e.g., account number, bank name)
Purpose:
To accurately track loan disbursements and repayments, prevent fraudulent or erroneous transactions, and protect user funds.

1.4 App Usage Data
We collect data regarding your interaction with the App, including:
Pages visited
Features used
Frequency and duration of use
App crashes, error messages, and performance data

1.5 Approximate Location (With Authorization)
With your permission, we may collect your approximate geographic location during loan applications.
Purpose:
To assess regional credit environments, prevent fraudulent applications, detect suspicious login activities, and optimize regional services.
This information will be encrypted and uploaded to our server https://api.gopesooffical.com.

1.6 Camera Access (With Authorization)
We may request access to your camera for Know Your Customer (KYC) procedures during the loan application process.
Purpose:
To capture images of government-issued IDs for identity verification in compliance with regulatory requirements.
This information will be encrypted and uploaded to our server https://api.gopesooffical.com.

1.7 Emergency Contacts (Provided by User)
You will be required to provide two emergency contact details, including:
Name
Phone number
Relationship to the user
Purpose:
To verify borrower identity and assist in contacting borrowers when necessary.
This information will be encrypted and uploaded to our server https://api.gopesooffical.com.

1.8 GAID (Google Advertising ID)
We may collect your GAID to analyze user behavior and improve advertising relevance.
Purpose:
Deliver personalized ads
Measure advertising effectiveness
Conduct data analysis and product optimization
You may reset your GAID or opt out of interest-based ads through your device settings (Settings > Google > Ads).
This information will be encrypted and uploaded to our server https://api.gopesooffical.com.

The information we collect is used for the following purposes:

2.1 To Provide Services
To process loan applications, conduct credit assessments, and disburse loans. We may contact you via phone, email, or other channels regarding your application and loan services.

2.2 To Improve Our Services
To analyze usage data to improve functionality, performance, and user experience.

2.3 To Deliver Personalized Advertising
To display promotions and advertisements relevant to your preferences and credit profile.

2.4 To Prevent Fraud and Ensure Security
To monitor and detect fraudulent activities and unauthorized access, and implement protective security measures.

2.5 Legal Compliance
To comply with applicable laws and regulations, including the Philippines' Data Privacy Act and other relevant legal obligations.

3.1 With Service Providers
We may share your personal data with trusted third-party service providers for the following reasons:
Payment Processors: For processing loan disbursements and repayments (e.g., name and bank account details)
SMS Providers: For sending OTP codes, application status updates, and repayment reminders (e.g., mobile number)

All third parties are contractually bound to comply with strict confidentiality and data protection standards, and they may only process your data to perform services on our behalf.

3.2 Data Sharing and Legal Disclosure
We ensure that all third-party service providers strictly comply with privacy and data protection agreements and use your data solely to fulfill tasks related to our services.
We may disclose your information under the following circumstances:
Legal Requirements: When disclosure is mandated by Philippine laws, regulations, or government authorities, we will provide your personal data to the relevant agencies.

We implement a range of security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include:

4.1 Data Encryption:
We use encryption technology to secure data during transmission, ensuring that sensitive information is neither leaked nor tampered with.

4.2 Secure Storage:
Your personal data is stored on secure servers with physical, technical, and administrative safeguards to maintain data integrity and security. Employee access is limited strictly to those who need it.

4.3 Regular Review:
Our security measures are regularly reviewed and updated to meet current standards and best practices against potential risks.

4.4 Data Retention:
In accordance with the Philippine Data Privacy Act, we retain your personal data only as long as necessary. Data beyond retention periods will be deleted or anonymized as per applicable laws.

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

5.1 Access:
You may request access to your personal data that we hold, including all collected, processed, and stored information and the purposes of processing.

5.2 Correction:
You may request corrections or updates if your personal data is inaccurate or incomplete.

5.3 Deletion:
In certain cases, you have the right to request deletion of your personal data, especially when it is no longer necessary for the services or legal compliance. You can delete your account via:
Our official website at https://www.gopesoph.com /by clicking the "Delete Account" button at the bottom of the page and following instructions;
The app's Settings page where you will find the "Delete Account" function.

5.4 Data Portability:
You may request to have your personal data transferred to another service provider, applicable for data processed under a contractual basis.

5.5 Withdrawal of Consent:
You have the right to withdraw consent for data processing based on your authorization at any time, without affecting the lawfulness of prior processing.

5.6 Objection:
You may object to the processing of your data if you believe it is unlawful or misused, requesting us to stop such processing.

5.7 Complaint:
may file a complaint with the Philippine National Privacy Commission (NPC) if you believe your data protection rights have been violated.
To exercise any of these rights, please contact us at: gopesospprt2023@gmail.com.

Our app is not intended for persons under 18 years of age. We do not knowingly collect personal information from minors under 18. If we become aware of inadvertent collection, we will promptly delete such information.
Parents or guardians who believe their child may have provided personal data should contact us immediately so that we can take appropriate actions.

We may update this Privacy Policy periodically to reflect changes in laws or our services. Significant changes will be posted in the app under Personal Center. Please review the policy regularly. Continued use of the app signifies your acceptance of the updated policy, effective upon publication.

For any questions, concerns, or to exercise your data rights, please contact us:

Email: gopesospprt2023@gmail.com

Phone: 09854376809

Address: Commerce and Industry Plaza Bldg., 1030 Campus Avenue, McKinley Town Centre, McKinley Hill, Taguig
1634.

We are committed to responding promptly and ensuring your privacy and data protection concerns are fully
addressed.

This app may use Google advertising services (such as AdMob). Google may collect and use your device and usage data for personalized ads. Please refer to Google's Privacy Policy for details.

Before using this app, users must explicitly agree to all terms of this Privacy Policy. By downloading, installing, or using the app, you consent to the processing of your personal data as described. Consent is obtained through pop-up prompts, consent buttons, or similar methods.

11.1 Compliance with Philippine Data Privacy Law:
We strictly comply with the Data Privacy Act of 2012 and all relevant local laws, standards, and regulations, following the standards set by the Philippine National Privacy Commission (NPC).

11.2 International Compliance:
If you are outside the Philippines, you agree to your data being transferred to and processed in the Philippines in compliance with applicable international data protection laws.

This Privacy Policy applies to all users accessing and using services via this app, regardless of location. We are dedicated to protecting your privacy and data security. For any questions or detailed inquiries, please contact us.

Thank you for taking the time to read our Privacy Policy. We highly value your privacy and are committed to strictly complying with all applicable laws and regulations in the collection and processing of your personal data. If you have any questions about this Privacy Policy or need more information, please feel free to contact us at any time. We are dedicated to providing you with a safe and reliable service experience.