CONSENT FORM
**Home Credit Mobile Application User Registration** I am
registering as a user of the Home Credit Mobile Application, owned
and operated by HC Consumer Finance Philippines, Inc. To continue
with my user registration, I confirm the following: **Data
Accuracy** 1. I warrant that all information and documents I provide
Home Credit in relation to my user registration or any subsequent
application for products and services, are true and correct. 2. I
acknowledge that it is my right and responsibility to identify and
correct wrong information submitted to Home Credit and ask Home
Credit for its immediate rectification, including personal data
received by Home Credit from third parties, and to ask Home Credit
to correct, erase or block the further processing of such
information immediately upon substantial proof that such information
is incomplete, outdated, false, unlawfully obtained or otherwise
used for unauthorized purposes. 3. Home Credit can, at its sole
discretion, automatically reject my user registration, product and
services applications, cancel its approval, and/or file a case
against me in court for cause including damages arising from false
or inaccurate information I provide. Likewise, I shall defend,
indemnify and hold free and harmless, Home Credit from any and all
actual or alleged obligations, claims, demands, causes of action,
liability, loss, cost, expense, damage and/or injury which may arise
from my breach of this clause. **Personal Data Processed** 1. I
authorize Home Credit to collect, process, use, and store
(collectively “process or processing”) my personal information and
sensitive personal information (collectively, “personal data”)
including my name, address, contact information, age, citizenship,
sex, marital status, photographs, fingerprints, other biometric data
(facial recognition and voice recognition), employment details,
income, financial data, financial profile, credit standing, loan
payment history, government issued identification numbers, and other
information required in the mobile application’s user registration
form or Home Credit product application forms. 2. I authorize Home
Credit to process Mobile device data (e.g., SIM, IMEI, or other
device identifiers, type of device, device operating system, device
settings, user account information for your mobile device or Google
PlayStore account, information about mobile network provider, device
specifications), Location data (e.g., mobile device location, time
zone setting); Phone data (e.g., contact lists, SMS metadata, types
and nature of mobile applications found on your mobile device); and
mobile app usage data (e.g., traffic volume, mobile app usage). 3. I
authorize the processing of data related to communications with Home
Credit (e.g., communication via in-app chat, email, telephone or
other channels); 4. I authorize Home Credit to process credit
information from third parties (e.g., information provided to or
from credit reference agencies or bureaus, external collections
agencies, mobile network providers). 5. I authorize Home Credit to
process the personal data of character references or any individual
whose personal data I may share to Home Credit in connection with
any product or services that I may subsequently avail after user
registration. I also warrant that I have obtained the consent of
such individuals for the processing described in this document.
**Use of Personal Data** 1. I authorize the use of these information
for the creation of my user account in the Home Credit Mobile
Application. 2. I authorize its use for data analytics, statistical
analysis and demographics, business development purposes (e.g.,
improvement of the mobile app and Home Credit’s credit scoring
algorithm, the creation of effective service delivery and payment
collection strategies, improving customer experience, customer
assistance), and the direct marketing of Home Credit’s existing and
prospective financial services as well as the products and services
of its Partners. 3. I authorize its use for fraud detection and
investigation. 4. I authorize its use for all phases of provisioning
the products and services that I may apply for including evaluation
of loan applications, its automated processing, complying with eKYC
(Know Your Customer) regulations required the Bangko Sentral ng
Pilipinas and the Anti-Money Laundering Council, credit
verification, credit scoring, and payments collection. **Data
Disclosure and Sharing** 1. I authorize the disclosure to and
collection of my personal data from Third Party Entities
(“Partners”) engaged by Home Credit for the purposes stated under
the heading Use of Personal Data. These Partners shall refer to my
employer (for auto-debit or other auto-deduction mechanism) whether
private or government, telecommunication companies (e.g., Globe,
PLDT, Smart, Sun Cellular), utility companies (e.g., Meralco,
Maynilad), government agencies (e.g., SSS, GSIS, NSO, BIR), credit
bureaus (e.g.,CIC, NFIS), remittance companies (e.g., Palawan
Express, Cebuana Lhuillier, etc.), insurance providers (e.g., Sun
Life Grepa Financial Inc., Insular Life, etc.), financial service
providers (e.g., CC Mobile Financial Services Philippines, etc.),
and other service providers. 2. I authorize Home Credit to share my
personal data with Home Credit’s parent, affiliate, subsidiaries
even after my loan with Home Credit is sold or assigned by it to
another creditor for data analytics, determination of insurable
interest and amount insured, statistical analysis and demographics,
and business development purposes, and fraud detection and
investigation. **Storage and Retention** 1. I authorize Home Credit
to keep a copy of and store my personal data, relevant information,
and other documents it is able to collect for as long as is
necessary for the fulfillment of the declared, specified, and
legitimate purposes provided above, or when the processing is
relevant to the said purposes, strictly in accordance with Home
Credit’s records retention policy. After which, personal data shall
be disposed or discarded in a secure manner that would prevent
further processing, unauthorized access, or disclosure to any other
party or the public. This is without prejudice to Home Credit’s
right to retain such data for purposes of compliance to applicable
laws and/or regulations, for the establishment and/or defense of
legal claims or for any other purpose to the extent allowed under
applicable laws and/or regulations, including, but not limited to,
Republic Act No. 10173 otherwise known as the Data Privacy Act of
2012, its Implementing Rules and Regulations, and issuances of the
National Privacy Commission (“NPC”)(collectively “Data Privacy
Laws”). **Client Communication** 1. I authorize Home Credit to
communicate with me via the mobile app, phone call, SMS/text, email,
mail, or any other means of communication regarding updates to the
mobile application, updates on the status of my application to their
products and services, about the products and services of Home
Credit and its Partners, and for any other legal purpose. I
understand Home Credit may communicate with my character references
and individuals residing in my place of residence in enforcing its
right to collect on the loan and this may require sharing of my
personal data. 2. I authorize Home Credit to keep a record of all my
communications with its employees, representatives, or agents,
regardless of channel used. **Data Subject Rights** 1. I fully
acknowledge that my consent is subject to applicable laws and/or
regulations, including Data Privacy Laws, rules and regulations. As
such, I am aware of the existence of my rights as a data subject,
including the right to be informed, to access, to rectification, to
erasure, to blocking, to object, as well as the right to lodge a
complaint before the NPC. 2. While it is my right to withdraw
consent to the further processing of information about me at any
time, I understand and agree that Home Credit may lawfully continue
processing such personal data for purposes of complying with
applicable laws and regulations and the protection of its lawful
rights and interests. I also recognize that the withdrawal of such
consent carries with it Home Credit’s corresponding right to deny,
suspend or terminate my registration and my user account without
need of further notice and/or demand. 3. I am aware that I can
contact Home Credit to inquire about the processing of my personal
data, for complaints about such processing or to exercise any of my
data subject rights by sending an email to the Data Protection
Officer at DPO@homecredit.ph. **Miscellaneous** 1. All of the above
will remain valid even if my registration or any application to
products and services is rejected. If any of the provisions are
declared illegal, invalid, or unenforceable in any way, it will not
affect the legality, validity, or enforceability of other
provisions. Should any part of this document conflict with the Loan
Agreement, I understand that the Loan Agreement will be followed. HC
Consumer Finance Philippines, Inc. 16/F Ore Square Building, 9th
Avenue corner 31st Street BGC, The Fort Taguig City 1634,
Philippines Need Help? info@homecredit.ph By clicking subscribe, I
hereby consent to the collection, use, and communication of my
personal information by Home Credit Philippines Inc. and its
third-party affiliates for promotional, marketing or publicity
purposes as well as market analytics, profiling, and data sharing to
help improve the quality of the content and promotions that I
receive. I certify that I have read and I agree to Home Credit’s
Privacy Policy. Copyright © Home Credit. All rights reserved.