Privacy Policy

E-Perash (hereinafter referred to as "the App") values the privacy and protection of personal information and complies with applicable data protection laws in the Philippines, including the Data Privacy Act of 2012 and its implementing rules and regulations.

This Privacy Policy explains how we collect, use, store, share, and protect your personal information, as well as your rights regarding such information.

By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

1. Information We Collect

During your use of E-Perash services, we may collect the following types of information:

1.1 Basic Identity Information

Full name, date of birth, education level, marital status, etc.

1.2 Identity Verification Information

Government-issued identification details (e.g., PhilSys ID), mobile number, facial images, etc.

1.3 Employment Information

Years of work experience, salary information, etc.

1.4 Device and Technical Information

Device model, operating system, IP address, advertising identifiers (IDFA or equivalent identifiers), etc.

2. App Permissions Usage

To provide full service functionality, E-Perash may request the following device permissions:

2.1 Camera Permission

Used for capturing identity documents, facial recognition, and liveness detection, for identity verification and fraud prevention purposes.

2.2 Location Permission

Used to verify whether the user is within the service coverage area (the Philippines), helping to prevent abnormal access and reduce fraudulent activities.

2.3 Advertising Identifier (IDFA / Advertising ID)

Used to provide personalized loan product recommendations, improving user experience and content relevance.

2.4 Contacts Permission

Used to quickly fill in emergency contact information and improve application efficiency.

Users may disable these permissions at any time through device settings, but some features of the App may be affected.

3. Purpose of Data Collection

We use collected information for:

• Identity verification and account creation
• Loan application processing and credit evaluation
• Risk control and fraud prevention
• Loan service provision and account management
• Legal and regulatory compliance
• Product and service optimization
• Personalized service recommendations (within legal boundaries)

4. Information Sharing and Disclosure

We do not sell your personal information.

We may share your information in the following cases:

• With financial service providers for loan processing, approval, and servicing
• With technology and risk control service providers for system operation and security
• With identity verification and anti-fraud service providers
• When required by law, regulation, or government authorities
• To prevent fraud, illegal activity, or security threats

5. Partners and Service Providers

E-Perash is supported by the following entities:

Technology & Platform Support Provider

KPW TECHNOLOGY COMPANY LIMITED CORP.

Responsible for application development, system maintenance, data processing support, and overall platform operations.

Financial Service Provider

SCOREONE FINANCING CORP.

Responsible for loan product structuring, credit evaluation, approval decisions, fund disbursement, and loan servicing.

6. Data Storage and Security

We implement reasonable technical and organizational measures, including:

• Encrypted data transmission and storage
• Access control and authentication mechanisms
• Risk monitoring and anomaly detection systems
• Internal data protection policies

However, no system can guarantee absolute security over the internet.

7. User Rights

Subject to applicable law, you have the right to:

• Access your personal data
• Correct or update inaccurate information
• Request deletion of your account or data
• Withdraw consent (may affect service availability)
• Request information about data processing activities

8. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Policy or as required by law, after which data will be deleted or anonymized.

9. Protection of Minors

The App is intended only for adults who meet the legal age requirements in their jurisdiction. We do not knowingly collect personal data from minors.

10. Policy Updates

We may update this Privacy Policy from time to time. Updates will be posted within the App or official channels and will take effect upon publication.

11. Contact Us

For any questions regarding this Privacy Policy, please contact:

service@kpwtechnology.com