Chailease Cash Privacy Policy

Who Provides Your Loan?

All loans you apply for and obtain through the Chailease Cash application are provided by our licensed lending partner in the Philippines, Vamo Lending Inc., which is a duly registered legal lending entity supervised by relevant financial regulatory authorities in the Philippines. By using this application, you acknowledge that your loan will be administered by a duly authorized and regulated lending entity.

1. Application Introduction

Chailease Cash is a digital cash loan application serving the Philippine market, dedicated to providing users with convenient, secure, and transparent short-term borrowing solutions. Through an advanced technology platform, we offer users a fast loan approval process, flexible repayment options, and 24/7 customer service.

2. Information We Collect

To ensure a smooth loan process and provide you with a secure service experience, we may collect the following types of information:

a. Necessary Identity Verification Information:

- Identification document information (passport, driver's license, UMID, etc.)

- Contact information (mobile number, email address, residential address)

- Basic personal information (name, date of birth, gender)

b. Device Permission Related Data:

- Camera Permission: used to capture and upload identification documents, income proof documents, and other documents required for verification

- Location Permission: used to verify your actual location, prevent cross-region fraudulent applications, and provide localized services

- Facial Biometric Data: during identity verification, we collect your facial feature data through secure liveness detection technology

c. Credit Assessment Information:

- Income and employment information

- Credit history (obtained from credit bureaus upon your authorization)

- Repayment ability and risk assessment related data

d. Device and Usage Data:

- Device identifiers (IMEI, Android ID, IDFA, etc.)

- IP address and network information

- Application usage logs and operation records

3. Purposes of Information Use

We use the collected information for the following lawful purposes:

a. Identity Verification and Security:

- Verify your true identity and application authenticity

- Perform liveness detection to prevent identity theft

- Conduct anti-fraud checks and risk assessments

b. Loan Processing and Servicing:

- Assess your loan application eligibility

- Determine appropriate loan amounts and terms

- Process loan disbursement and repayment management

- Provide customer support and service improvement

c. Compliance and Regulation:

- Comply with Philippine "Know Your Customer" (KYC) requirements

- Fulfill anti-money laundering (AML) obligations

- Meet regulatory reporting requirements

d. Technical Optimization:

- Improve application performance and user experience

- Detect and remediate security vulnerabilities

- Analyze usage patterns to optimize services

4. Data Security and Protection

We adopt industry standard security measures to protect your personal information:

a. Technical Measures:

- SSL/TLS encryption for all data transmission

- Encryption of sensitive data at storage

- Regular security vulnerability scanning and penetration testing

- Strict access control and authentication mechanisms

b. Administrative Measures:

- Only authorized employees have access to data on a need-to-know basis

- Confidentiality agreements signed with employees

- Regular data protection training

- Data breach emergency response mechanism in place

Data collected is transmitted using encrypted transmission to protect your information, and is sent to https://chaileaseberjayafinance.com/ for purposes such as account verification and related authorization processing.

Important Note: While we implement reasonable security measures, no electronic storage or transmission method is 100% secure. We strongly recommend that you take personal precautions, such as using strong passwords and not logging into your account on public devices.

5. User Rights and Choices

a. Permission Management:

You may manage application permissions at any time through your device settings menu. Please note that disabling certain necessary permissions may affect normal functionality of the application.

b. Your Rights:

Under the Philippine Data Privacy Act, you have the right to:

- Access your personal information held by us

- Correct inaccurate or incomplete information

- Request deletion of personal information under specific circumstances

- Object to certain types of data processing

- Obtain a copy of your data

c. Data Retention:

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

6. Embedded Third Party Services

To provide complete services, we use the following third party SDKs:

a. Adjust SDK

- Purpose: advertising performance tracking and analytics

- Data collected: anonymous device identifiers, installation source information

b. Advance SDK

- Purpose: liveness detection and identity verification

- Data collected: facial feature data (encrypted), device information

All third party service providers have signed data protection agreements and commit to comply with applicable data protection laws.

7. Account Deletion

If you wish to delete your Chailease Cash account, please follow the steps below:

1. Ensure all loans are fully repaid with no outstanding transactions

2. Submit a deletion request through customer service channels

3. Complete identity verification

4. Confirm the deletion request

5. Follow the prompts to complete identity verification

6. Confirm the deletion request

Important Notes on Deletion:

- Account deletion is irreversible

- After deletion, your personal information will be deleted or anonymized within 30 days

- Certain transaction records may need to be retained for longer periods as required by law

- Deletion may affect your ability to apply for loans in the future

8. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. Material changes will be notified through:

- In-app push notifications

- Email notification (if you have provided an email address)

- Prominent update notice within the application

Continuing to use Chailease Cash services indicates your acceptance of the updated Privacy Policy.

9. How to Contact Us

If you have any questions regarding this Privacy Policy or our data handling practices, please contact us through:

- Email: support@chaileaseberjayafinance.com

We commit to responding within 15 working days after receiving your contact.