Digido Finance Corp. (DFC) is committed to protecting the privacy of its data subjects, and ensuring the safety and security of personal data under its control and custody. This policy provides information on what personal data is gathered by DFC about its current, past, and prospective clients and employees; how it will use and process this; how it will keep this secure; and how it will dispose of it when it is no longer needed.
This information is provided in compliance with the Philippine Republic Act No. 10173, also known as, the Data Privacy Act of 2012 (DPA) and its Implementing Rules and Regulations (DPA-IRR). It sets out DFC’s data protection practices designed to safeguard the personal data of individuals it deals with, and also to inform such individuals of their rights under the Act.
This Data Privacy Notice and Consent Form may be amended at any time without prior notice, and such amendments will be notified to you in via DFC’s website or by email.
DFC collects, stores, and processes personal data from its current, past and prospective clients and employees, starting with the information provided at application and to information collected throughout the whole course of the transaction by the client or in the course of their employment or engagement by the employee or consultant with DFC and its affiliates and/or subsidiaries. This will include but not limited to the following:
DFC may also collect, store, and process personal data and information of persons in the data subject’s contact list in his or her mobile device, whom he or she nominated as her reference and/or guarantor, for proper identification and verification of data subject’s identity, fraud prevention, credit scoring and credit verification to establish credit worthiness of the data subject, and compliance to the Anti-Money Laundering and Terrorist Prevention Laws of the Republic of The Philippines. The disclosing data subject may be requested to give consent in sharing the personal data of those persons in his contact list, and may include but not limited to personal data such as name, mobile number, relationship with the disclosing data subject, residence and email address, and employment details. For this, it is the obligation of the disclosing data subject to inform the nominated reference and/or guarantor and obtain the appropriate consent of the latter.
Relative to the immediately preceding paragraph, data subject is also informed that DFC may make and manage phone calls for proper identification and verification of data subject’s identity, fraud prevention, credit scoring and credit verification to establish credit worthiness of the data subject, compliance to the Anti-Money Laundering Laws of the Republic of The Philippines, and enhance user experience of data subjects.
Furthermore, data subjects may also allow DFC to access the mobile devices location for purposes of fraud prevention and detection, compliance to the Anti-Money Laundering and Terrorist Prevention Laws of the Republic of The Philippines, and enhancement of user experience of data subjects.
DFC shall collect information about the data subject in the following ways:
The collected personal data is used solely for the following purposes:
All personal data and information collected and/or were disclosed by the data subjects by reason of their application, transaction, and/or any interaction with the Corporation will be uploaded and stored on our server (https://api.unacash.com.ph), and will not be shared with any third party.
DFC will not share your personal data with third parties unless necessary for the above-mentioned purposes and unless you give your consent thereto. Such third parties may include DFC’s business units, subsidiaries, affiliates, agents, outsourced service providers and other third parties.
We engage outsourced service providers to support us in delivering services to you. Our third parties include government regulators, judicial, supervisory bodies, tax authorities or courts of competent jurisdiction. We engage third parties for the following reasons:
Personal data shared with third parties shall be covered by the appropriate agreement to ensure that all personal data is adequately safeguarded.
DFC does not, will not, sell personal data to any third party. All our engagements with third parties shall be fully-compliant with our obligation of confidentiality imposed on us under applicable agreements and/or terms and conditions or any applicable laws that govern our relationship with you.
Personal data under the custody of DFC shall be disclosed only to authorized recipients of such data. Otherwise, we will share your personal data with third parties only with your consent, or when required or permitted by our policies and applicable law, such as with:
Where DFC consider it necessary, indispensable or appropriate, for the purposes of data storage, enhanced security, account processing, providing any service or product on our behalf to you, or implementing new or enhanced system for our products and services, we may transfer the custody of your personal data to third parties within or outside of the Philippines, under conditions of confidentiality and similar levels of security safeguards.
DFC strictly enforces data privacy and information security policies. It implements technological, organizational and physical security measures to protect your personal data against loss, misuse, modification, unauthorized or accidental access or disclosure, alteration or destruction. We put safeguards such as the following:
We continue to implement organizational, administrative, technical, and physical security measures to safeguard your personal data. Only authorized personnel have access to your personal data, the exchange of which is facilitated through internal shared servers, email, and paper files.
Should third parties need access to your personal data, we require some form of data sharing agreement with them, in compliance with the DPA and the DPA-IRR.
The hard copy of the documents submitted to DFC and its digital files are securely stored: employing physical security in its principal place of business to safeguard the paper files and technical security to protect the digital files.
DFC stores personal data and sensitive personal information in a data center (on premise and cloud) and physical document storage facilities.
It retains personal data only according to its operational needs and in compliance with legal and regulatory purposes or requirements. DFC’s data retention and disposal policy is in accordance with R.A. 9470 (National Archives of the Philippines Act) and AMLC and/or BSP regulations, if applicable. In general, DFC shall only retain your personal data and sensitive personal information for five (5) years after the processing relevant to the purpose has been terminated. However, DFC may retain your data when necessary to establish, exercise or defend legal claims, for legitimate business purposes, or when provided by law.
In compliance to NPC Circular No. 20-01, data subjects are given the option to disable features and functionalities relating to disclosure of personal data of reference and/or guarantors within the mobile app/platform, after the completion of the processes, where such personal data or information was collected. However, notwithstanding the aforementioned provisions of the law, DFC has the right to continue processing information about a person even without his consent in cases where this is necessary to protect the life, health or other vital interests of the data subject, the operator or third parties or where it is directly enshrined under Sec. 13 of the Data Privacy Act of 2012.
Data subjects should ensure that personal data submitted to DFC is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested. Data subjects should inform DFC immediately of any change of facts or circumstances which may render any personal data or information previously provided inaccurate, untrue, or incorrect and provide any information or documentation DFC may reasonably require for the purposes of verifying the accuracy of the updated information or personal data.
DFC strongly encourage data subjects to be vigilant in protecting your personal data by ensuring that their account details, PINs, username and password are secured and not disclosed to others or written somewhere accessible to others. DFC advises the data subjects to exercise caution in protecting themselves against phishing, skimming and other electronic fraud and to remain alert for suspiciouslooking offers, pretending or representing from the Corporation. DFC advises its clients that DFC will only communicate through its official channels and applications.
Under the Data Privacy Act, data subjects have the following rights:
a) Right to be informed;
b) Right to object;
c) Right to access;
d) Right to rectify or correct erroneous data;
e) Right to erase or block;
f) Right to secure data portability;
g) Right to be indemnified for damages; and
h) Right to file a complaint.
DFC’s decisions to provide access, consider requests for correction or erasure, and address objection to process data as it appears in its official records, are always subject to applicable internal policies, relevant laws and regulation.
For further inquiries or complaints, please visit our website at https://www.unacash.com.ph or get in touch with our Compliance Department at (02) 8539-2143 loc. 4002 or 4004 or email us at dpo@unapay.com.ph.
For data privacy requests and concerns, you may write to our Data Protection Officer at dpo@unapay.com.ph or
Data Protection Officer. Compliance Department
Digido Finance Corp. 15/F IBP Bldg., Jade Drive
Ortigas Center, San Antonio
1605 Pasig City
DFC may amend this Data Privacy Notice in whole or in part to ensure that it is consistent with industry trends, legal and regulatory requirements applicable to how we handle your personal data and to ensure better protection of your personal data or information. Relevant updates will be posted on this site.
Consent
The submission of personal data and information by the data subject to DFC signifies that he or she have read and understood the above Privacy Notice and expressly agree and give his or he consent to the processing of his or her personal and/or sensitive personal information in the manner and for the purpose provided in this Notice. The data subject understands and accepts that this will include access to personal data and records submitted, which may be regarded as personal and/or sensitive personal data as provided under the Data Privacy Act of 2012.
DFC is also authorized to disclose the data subject’s data to accredited/affiliated third parties or independent/non-affiliated third parties, whether local or foreign, in the following circumstances:
For complete reference on the Data Privacy Act, please visit the National Privacy Commission website at https://www.privacy.gov.ph/.