Privacy Policy

Last Updated September 2024

At webloan.ph, your privacy is of utmost importance. This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our website. By using our services, you agree to the terms of this policy.

1. Information We Might Request

webloan.ph does not require users to submit personal data to access our services. However, users may choose to provide personal data to improve the accuracy of our loan approval forecasting engine. The types of data users may submit include:

• Contact Data: Email addresses for communication purposes.
• Personal Data: Full name, date of birth, gender.
• Employment Data: Employment type, contract details, employment period, payout frequency, and monthly income.
• Document Data: Document type and ID for verification purposes.
• Marital Data: Marital status and the number of dependents.
• Occupancy Data: Living arrangements, such as type of occupancy and occupancy period.
• Regular Expense Data: Financial obligations, such as rent or mortgage amounts, open loans, credit cards, and credit card usage.

Submission of this data is entirely optional and serves to enhance the precision of our loan approval predictions.

2. Cookies and Tracking Technologies

webloan.ph uses cookies and similar tracking technologies to collect data on user activity and behavior. This includes:

• Network and Device Data: Information such as IP addresses, browser type, and device specifications.

These technologies help us analyze user interactions and improve the overall experience. For privacy reasons, we do not disclose specific tools or technologies used. Users are informed about our use of cookies through a consent banner when accessing the site.

Managing Cookies

Users can manage their cookie preferences through their browser settings. By continuing to use the website without changing settings, users consent to our use of cookies.

3. How We Use and Share Your Information

Data Usage

The data we collect is used to:

• Provide personalized loan comparisons and predictions based on user inputs.
• Improve website functionality and performance through user activity analysis.
• Communicate with users who submit inquiries or sign up for notifications.

Data Sharing

• No data is shared with lenders. Users’ personal data remains strictly within WebLoan.ph and is not disclosed to third-party lenders.
• We may share cookies and encrypted data with analytics tools to improve the site’s performance.
• Contact data may be shared with third-party communication service providers to facilitate user communications (e.g., emails or notifications).

All shared data is encrypted or anonymized to protect user privacy.

4. User Consent and Opt-Out Options

We collect data based on user consent, which is obtained through opt-in forms and cookie consent banners. Users maintain full control over the data they share and how they interact with our services.

Opt-Out Options

• Emails: Users can unsubscribe from marketing emails at any time by using the “unsubscribe” link in the email or by contacting us at webloanph@gmail.com.
• Push Notifications: Users can opt out of push notifications by adjusting their browser settings.

5. Data Storage and Retention

Collected personal data is securely stored on Google Cloud servers, which adhere to industry best practices for data security. We retain user data only as long as it is necessary to provide our services effectively. After this period, data is securely deleted.

Data Retention Period

• Email data is retained for as long as the user remains subscribed to our communications.
• Personal and financial data provided for loan approval predictions is retained only for the duration necessary to provide accurate forecasts and is deleted upon user request or after the service is complete.

6. User Rights

We respect users’ rights regarding their personal data. Users have the following rights:

• Access: You may request access to the data we have collected about you.
• Correction: You may request the correction of any inaccurate or outdated information.
• Deletion: You may request the deletion of your personal data unless it is required for legal or business reasons.

To exercise these rights, please contact us at webloanph@gmail.com.

7. Data Security

We take the security of your personal data very seriously. All data is stored and processed on Google Cloud servers, which comply with the highest industry standards for data protection and security. While we strive to protect your information, no system is entirely foolproof, and we cannot guarantee absolute security.

8. Third-Party Links

Our website contains links to third-party lenders. Please note that once you leave webloan.ph, you are subject to the third-party website’s privacy policies and terms of service. We encourage users to review those policies before providing personal information.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. Loan applications may only be processed by lenders for users who are 18 years or older. We do not knowingly collect personal data from children under 18. If we discover such data has been collected, it will be deleted immediately.

10. Updates to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or services. Users who have subscribed to our communications will be notified of significant changes via email or other communication methods. Additionally, the “Last Updated” date at the top of this page will reflect any revisions.

By continuing to use webloan.ph after any changes, you agree to the updated Privacy Policy.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, or if you wish to exercise your rights related to your personal data, please contact us at:

• Email: webloanph@gmail.com