Home Credit Privacy Notice
For Website and Mobile Apps
HC Consumer Finance Philippines, Inc. (“Home Credit Philippines”)
respects the privacy of our customers and users of our online
platforms such as our mobile application. We strive to embed privacy
in all of our processes in compliance with Republic Act No. 10173,
also known as the Data Privacy Act of 2012, its implementing rules
and regulations, and other issuances of the National Privacy
Commission. We recognize the importance of protecting your personal
information as well as the importance of transparency in the way
that we collect, use, store, transfer/disclose, and dispose
information derived from your use of our products, services, online
portals, and mobile applications. **1. Collection of Information**
**Personally Identifiable Information** “Personally identifiable
information” is information that can be used to uniquely identify an
individual such as name, password, age, civil status, gender,
mailing address, email address, telephone number, mobile number,
income, employment details, financial information, credit info,
photographs, and other personal info. We also consider personal
information and sensitive personal information as defined under the
Data Privacy Act of 2012 as personally identifiable information. We
collect personally identifiable information when you apply for our
services, and when you register an account on our mobile
applications and online platforms. You may be asked to provide us
with personally identifiable information through our website, our
mobile apps, through our Point-of-Sale devices or through paper
application forms. **Mobile Device Data & Mobile App Permissions**
Other than personally identifiable information defined above, Home
Credit Philippines may also process the following data through your
use of the mobile app: mobile device data or other identifiers;
location data; phone data; and mobile app usage data such as traffic
volume, crash logs, diagnostics, and page views and taps. The Home
Credit mobile application may likewise request, with your prior
consent, that you activate certain app permissions including, but
not limited to, location, emails, messages, phone calls, calendar,
contacts, and files that we need for fraud prevention, security, and
to determine your eligibility for Home Credit Philippines’ products
and services. We may also request to send you push notifications
about your account or the mobile app. The general description of the
mobile app’s behavior can be referenced through the permissions
module of your mobile phone. If you wish to change our access or
permissions, you may do so in your device’s settings. You may
deactivate the permissions requested by the Home Credit mobile app
after the submission of any application for our services. However,
certain features or resources meant to enhance security or usability
may not work or may produce a degraded experience for you. The
processing of personal information and metadata by the mobile
application is consistent with the purposes we explained in this
privacy notice. **Third-party App Data** With your consent, Home
Credit Philippines may also collect your name, mobile number and
email address connected to Facebook and Gmail. External websites and
companies with hyperlinks to and from Home Credit Philippines’
online platforms may collect personally identifiable information
about you when you visit their websites. This privacy notice does
not extend to those external websites and companies. Please refer
directly to their privacy notice regarding their handling of your
personally identifiable information. **Cookies and Other Information
on a User’s Machine** Home Credit Philippines’ products, services,
sites and mobile apps may employ cookies and other similar and
applicable technologies. We may use third party website analytic
tools that employ cookies to collect certain non-personally
identifiable information concerning your use of our websites, such
as referring web site addresses, page views and browser types. This
allows us to serve you a more personalized experience and more
relevant content. **2. Use of Personally Identifiable Information**
Having accurate information about you permits us to provide you with
a smooth, efficient, and customized experience. The personally
identifiable information you share will be used according to the
contracts that you execute with us for our services. Specifically,
we may use information collected about you through the mobile
application for the following purposes. a. to assess your
eligibility to use our products and services, including, but not
limited to, credit verification, credit scoring, automated
processing of the loan applications, loans collection, and complying
with eKYC (Know Your Customer) regulations required by the Bangko
Sentral ng Pilipinas and the Anti-Money Laundering Council; b. for
the creation of your user account in the Home Credit Philippines
Mobile Application; c. to enable mobile app features and
functionalities; d. to verify your identity and/or other information
you provided to us; e. to detect and prevent fraud, money laundering
and/or other illegal uses of our services; f. to send you
information about Home Credit Philippines, including news about
product updates, events, and other promotional materials, but only
if you agree to receive such communications. Home Credit Philippines
will not share any personally identifiable information with third
parties for marketing purposes without your consent; g. to provide
customer service or support and to resolve issues and complaints; h.
for data analytics, data profiling and other legitimate interests,
which will help us understand your needs and to help us improve our
services. **3. Storage and Security of Personally Identifiable
Information** Personally identifiable information provided to Home
Credit Philippines are stored in a secure database under our
control. We have taken reasonable and appropriate steps to protect
the information you share with us, including, but not limited to,
physical security controls, equipment, software, and technical
security controls such as encryption to prevent unauthorized access,
use or disclosure of personally identifiable information. Always
keep your Home Credit Philippines mobile application updated to
ensure you experience the latest and most secure features. We retain
your personally identifiable information only for the reasonable
period necessary for us to deliver our services, to meet legitimate
business purposes, when necessary for the establishment, exercise,
or defense of any legal claim, and to comply with retention periods
provided by other laws governing Home Credit. For instance, despite
a request for deletion, we are required by the Anti-Money Laundering
Act and its implementing rules to retain your personal data for a
period of at least five (5) years. **4. Disclosure and Transfers of
Personally Identifiable Information** Home Credit Philippines does
not share any personally identifiable information with other parties
except as described in this notice and in the Applicant Consent Form
(ACF) signed by customers. As mentioned in your ACF, we may share
your information with our partners such as government agencies,
partner stores, utility companies, remittance companies, insurance
providers, financial service providers, courier service providers,
order or payment processors, merchandise warehouse and fulfillment
services and other services providers, but only to the extent
necessary to provide the services you consented to or signed up for.
Home Credit Philippines may share personally identifiable
information to comply with court orders or laws that require us to
disclose such information. In the event of a reorganization, sale or
merger, we may transfer personally identifiable information to the
relevant third party with users’ consent if required by law. Home
Credit Philippines may share anonymous data, aggregated or not, with
third parties. We ensure that such anonymous data does not allow the
identification of customers and users to which they relate. **5.
Persons under the Age of 18** Home Credit Philippines will not
knowingly collect personally identifiable information from any
person under the age of 18. Home Credit Philippines encourages
parents to instruct their children to never give out personal
information when online. Parents who are concerned about the
transfer of personal information from their children may contact us.
**6. Data Subject Rights** Under the Data Privacy Act, you have the
right to be informed, the right to object, the right to access, the
right to rectification, the right to erasure or blocking, the right
to damages and the right to file a complaint. If you wish to
exercise any of these rights, you may contact us at (02) 753 5711.
These rights, however, are subject to certain limitations. As such,
we may decline requests that are excessively repetitive, require
disproportionate technical effort, are against public interest,
jeopardize the privacy of others, or are extremely impractical or
unreasonable. **7. Contact Home Credit Philippines’s Data Protection
Officer (DPO)** Home Credit Philippines’ Data Protection Officer
provides support for any data privacy related inquiries or
complaints. You may contact Home Credit Philippines’ DPO through the
following information: **Office Address**: 16/F Ore Central Bldg.,
31st Street, Taguig City, Philippines **Email address**:
dpo@homecredit.ph Individuals with inquiries or complaints regarding
our privacy practices should first contact our DPO. Our DPO will
always use reasonable efforts to address and settle any requests or
complaints brought to our attention. [List of Active
Partners](list-of-active-partners)
For Vendors
PLEASE READ CAREFULLY. **Section 1. Notice to Vendors by Home Credit
Philippines (“Home Credit Philippines”) Vendor/ Supplier/ Partner
Record Defined** A Vendor/ Supplier/ Partner record is a record of
personal data, either in conventional or electronic format, relating
to the engagement with a vendor. The record comprises of, but is not
limited to, information about the Vendor’s contact person’s
information such as full name, work address, work telephone number,
work mobile phone number, work fax number, and work email address.
Our Vendor’s records are confidential and kept in locked storage.
1.1 What are your Data Privacy Information Rights? 1. Right of
access to and rectification or erasure of personal data, restriction
of processing, right to object to processing. Data subjects have the
right to: a. Obtain from Home Credit Philippines confirmation as to
whether or not personal data concerning the Vendor Contact are being
processed, and where that is the case, access to the personal data;
b. Obtain from Home Credit Philippines the rectification of
inaccurate personal data; c. Obtain from Home Credit Philippines the
erasure of Vendor Contact’s personal data; d. Obtain from Home
Credit Philippines restriction of processing regarding the Vendor
Contact’s personal data; e. Obtain from Home Credit Philippines a
copy of personal data, which the Vendor Contact actively provided,
in a structured, commonly used, and readable format and to request
Home Credit Philippines to transmit those data to another recipient
selected by the Vendor Contact; and f. Object, on grounds relating
to the Vendor Contact’s particular situation, to processing of
personal data. 2. Right to Amend or Supplement. You have a right to
request that we amend your personal data that you believe is
incorrect or incomplete. You must make a request to amend in
writing, and include the reasons you believe the information is
inaccurate or incomplete. We may deny your request if we do not have
the information, if we did not create the information, if you would
not be permitted to inspect or copy the information at issue, or if
the information is accurate and complete as is. If we deny your
request, you may submit a written explanation of your disagreement
with that decision, and we may, in turn, prepare a written rebuttal.
All information related to any request to amend will be maintained
and disclosed in conjunction with any subsequent disclosure of the
disputed information. 3. Right to withdraw consent. In case a Vendor
Contact has previously declared its consent for the processing of
certain personal data by Home Credit Philippines, the Vendor Contact
retains the right to withdraw the consent at any time with future
effect. In case consent is withdrawn, Home Credit Philippines may
only further process the personal data where there is another legal
ground for the processing. 4. Right to Erasure or Blocking. You have
the right to suspend, withdraw or order the blocking, removal or
destruction of your personal data. You can exercise this right upon
discovery and substantial proof of any of the following: a. Your
personal information is incomplete, outdated, false, or unlawfully
obtained. b. It is being used for purposes you did not authorize. c.
The data is no longer necessary for the purposes for which they were
collected. d. You decided to withdraw consent, or you object to the
processing and there is no overriding legal ground for processing.
e. The data concerns information prejudicial to the Vendor Contact —
unless justified by freedom of speech, of expression, or of the
press; or otherwise authorized (by court of law). f. The processing
is unlawful. g. Home Credit Philippines, or its personal information
processor/s, violated your rights a vendor. 5. Right to Be Notified
of a Breach. You have the right to receive notifications of breaches
of your personal data, as may be required by law. Aside from
protecting you against unfair means of personal data collection,
this right also requires Home Credit Philippines to notify you if
your data have been compromised. If you have provided us with a
current e-mail address, we may use e-mail to communicate information
related to the breach. 6. Right to a Paper or Electronic Copy of
this Notice. You have a right to be notified of our legal duties and
privacy practices with respect to your personal data, including a
right to a paper copy of this Privacy Notice, even if you have
previously requested its receipt by e-mail. If you would like to
have a more detailed explanation of these rights or if you would
like to exercise one or more of these rights, please contact our
Data Privacy Officer listed in Section 3 of this Privacy Notice. 1.2
Purposes of Collection, Categories of Personal Information, Transfer
and Disclosure, Retention Periods, and Disposal. In the context of
the business relationship with Home Credit Philippines, Home Credit
Philippines may process personal data for the following purposes: -
Communicating with Vendors about products, services, and projects of
Home Credit Philippines or its other Vendors, e.g., by responding to
inquiries or requests; - Planning, performing, and managing the
(contractual) relationship with Vendors; e.g., by performing
transactions and orders of products or services, processing
payments, performing accounting, auditing, billing, and collection
activities, arranging shipments and deliveries, and providing
support services; - Administering and performing surveys, marketing
campaigns, market analysis, or other promotional activities or
events; - Ensuring compliance with data privacy and other legal
obligations, Vendor compliance screening obligations, and Home
Credit Philippines policies or industry standards; and - Solving
disputes, enforcing our contractual agreements, and establishing,
exercising or defending legal claims. Categories of personal data
processed For the aforementioned purposes, Home Credit Philippines
may process the following categories of personal data: - Contact
information, such as full name, work address, work telephone number,
work mobile phone number, work fax number, and work email address; -
Payment data, such as data necessary for processing payments and
fraud prevention, including credit/debit card numbers, security code
numbers, and other related billing information; - Further
information necessarily processed in a project or contractual
relationship with Home Credit Philippines or voluntarily provided by
the Vendor Contact (which may contain personal information), such as
those included in orders placed, payments made, requests, and
project milestones; - Information collected from publicly available
resources (websites), and if reasonably required for Vendor
compliance screenings (set by industry or company), information
about relevant and significant litigation or other legal proceedings
against Vendors. The processing of personal data is necessary to
meet the aforementioned purposes, including the performance of the
respective (contractual) relationship with Vendors. *Transfer and
disclosure of personal data* Home Credit Philippines may transfer
personal data to other entities, but only if and to the extent such
transfer is strictly required for the purposes mentioned above. If
legally permitted to do so, Home Credit Philippines may transfer
personal data to courts, law enforcement authorities, regulators or
attorneys if necessary to comply with the law or for the
establishment, exercise or defense of legal claims. Home Credit
Philippines commissions service providers (so-called data
processors) which only act upon the instructions of Home Credit
Philippines and are contractually bound to act in compliance with
applicable data privacy laws and regulations. *Retention Periods*
Unless explicitly indicated otherwise at the time of the collection
of Vendor Contact’s personal data (e.g., within a consent form
accepted by Vendor Contact), we erase personal data if the retention
of the personal data is no longer necessary in relation to the
purposes for which they were collected or otherwise processed and no
statutory retention obligations under applicable law (such as tax or
commercial law) require us to further retain personal data.
**Section 2. Updates on Privacy Notice** 2.1 Updates to this Privacy
Notice. Home Credit Philippines reserves the right to amend this
Privacy Notice at any time in the future. After an amendment is
made, the revised Privacy Notice will apply to all personal data
that we maintain, regardless of when it was created or received. We
will keep a copy of the current Privacy Notice posted in our website
and a copy will also be made readily available to you, upon your
request. **Section 3. Contact Home Credit Philippines’ Data
Protection Officer (DPO)** 3.1 Contact us. Home Credit Philippines’
Data Protection Officer provides support with any data privacy
related questions, comments, concerns or complaints. You may contact
Home Credit Philippines’ DPO through the following information: Home
Credit Philippines Office, 15/F Ore Central Bldg., 31st Street,
Taguig City, Philippines Home Credit Philippines’ DPO will always
use best efforts to address and settle any requests or complaints
brought to its attention. In addition, you may also approach the
competent data protection authority for any requests or complaints.
For Customers and Trusted Contact Person/s
# For Customers and Trusted Contact Person/s PLEASE READ CAREFULLY.
This Notice shall be applicable to Customers and Trusted Contact
Persons by HC Consumer Finance Philippines, Inc. (“Home Credit
Philippines”) **1. What are your Data Privacy Information Rights?**
You have the following rights regarding your personal data: 1.1
Right to Request Special Privacy Protections. You have the right to
request restrictions on certain uses and disclosures of your
personal data by a written request specifying what information you
want to limit, and what limitations on our use or disclosure of that
information you wish to have imposed. If you tell us not to disclose
information, we will abide by your request, unless we need to
disclose the information for treatment or legal reasons. We reserve
the right to accept or reject any other request, and will notify you
of our decision. 1.2 Right to Inspect and Copy. You have the right
to inspect and copy your personal data, with limited exceptions. To
access your personal data, you must submit a written request
detailing what information you want access to, whether you want to
inspect it or get a copy of it, and if you want a copy, your
preferred form and format. We will provide copies in your requested
form and format if it is readily producible, or we will provide you
with an alternative format you find acceptable, or if we can’t agree
and we maintain the record in an electronic format, your choice of a
readable electronic or hard copy format. We will also send a copy to
any other person you designate in writing. We will charge a
reasonable fee which covers our costs for labor, supplies, postage,
and if requested and agreed to in advance, the cost of preparing an
explanation or summary. We may deny your request under limited
circumstances. If we deny your request to access your personal
records or the personal records of an individual you are
representing because we believe allowing access would be reasonably
likely to cause substantial harm to the customer, you will have a
right to appeal our decision. 1.3 Right to Request Confidential
Communications. You have the right to request that you receive your
personal data in a specific way or at a specific location. You may
ask that we send information to a particular e-mail account or to
your work address. We will comply with all reasonable requests
submitted in writing which specify how or where you wish to receive
these communications. 1.4 Right to Amend or Supplement. You have a
right to request that we amend your personal data that you believe
is incorrect or incomplete. You must make a request to amend in
writing, and include the reasons you believe the information is
inaccurate or incomplete. We may deny your request if we do not have
the information, if we did not create the information, if you would
not be permitted to inspect or copy the information at issue, or if
the information is accurate and complete as is. All information
related to any request to amend will be maintained and disclosed in
conjunction with any subsequent disclosure of the disputed
information. 1.5 Right to Revoke Authorization. Your consent is
necessary before Home Credit Philippines can lawfully collect and
process your personal data. You may revoke (take back) your consent
at any time. For the avoidance of doubt, this does not invalidate
any previous processing that Home Credit Philippines has performed
in accordance with consent originally given. 1.6 Right to Erasure or
Blocking. You have the right to suspend, withdraw or order the
blocking, removal or destruction of your personal data. You can
exercise this right upon discovery and substantial proof of any of
the following: a. Your personal data is incomplete, outdated, false,
or unlawfully obtained. b. It is being used for purposes you did not
authorize. c. The data is no longer necessary for the purposes for
which they were collected. d. You decided to withdraw consent, or
you object to the processing and there is no overriding legal ground
for processing. e. The data concerns information prejudicial to the
customer — unless justified by freedom of speech, of expression, or
of the press; or otherwise authorized by law. f. The processing is
unlawful. g. Home Credit Philippines, or its personal information
processor/s, violated your rights as a customer. 1.7 Right to Be
Notified of a Breach. You have the right to receive notifications of
breaches of your personal data, as may be required by law. Aside
from protecting you against unfair means of personal data
collection, this right also requires Home Credit Philippines to
notify you in a timely manner if your personal data has been
compromised. If you have provided us with a current e-mail address,
we may use e-mail to communicate information related to the breach.
1.8 Right to a Paper or Electronic Copy of this Notice. You have a
right to be notified of our legal duties and privacy practices with
respect to your personal data, including a right to a paper copy of
this Privacy Notice, even if you have previously requested its
receipt by e-mail. **2. How Does Home Credit Philippines Collect,
Use, Transfer or Disclose, Retain, and Dispose Your Personal Data?**
Home Credit Philippines collects personal information about you and
stores it in a computer and in an electronic record. To the extent
reasonably necessary to effect the relevant purpose, we may use or
disclose your personal data for the following: **For Customers:**
2.1 Payment. We use and disclose personal information about you to
other providers under or in partnership with Home Credit
Philippines, with an affiliate company or parent company and other
vendors to obtain payment for the services we have provided. 2.2
Payment Reminders. We may use and disclose your personal data to
contact and remind you about due payments. If you are not home, we
may leave this information on your answering machine or in a message
left with the person answering the phone. 2.3 Research. Your
personal information may be used and disclosed for research
purposes; provided, that it is approved through a special review
process to protect customer confidentiality. A researcher may have
access to information that identifies you only through the special
review process, or with your written consent. Your personal records
may be used for data analytics to create customer demographics and
trends; however, these reports are generated in such a way that
customer identities are anonymized. 2.4 Marketing. We may use your
contact details to communicate with you and give you information
about products, promotions or services related to your loan
applications or other services provided by Home Credit Philippines,
with an affiliate company or parent company and other business
vendors that may be of interest to you. We may also contact you to
ensure customer satisfaction regarding services provided, including
identification of your concerns so that addressing of issues are
assured. 2.5 Required by Law. As required by law, we will use and
disclose your personal data, but we will limit our use or disclosure
to the relevant requirements of the law. When the law requires us to
report abuse, neglect or domestic violence, or respond to judicial
or administrative proceedings, or to law enforcement officials, we
will further comply with the requirement set forth below concerning
those activities. We may disclose your personal data to an oversight
facility for activities authorized by law. These oversight
activities include, for example, audits, investigations,
inspections, and licensure. 2.6 Law Enforcement. We may, and are
sometimes required by law to, disclose your personal data to a law
enforcement official for purposes such as identifying or locating a
suspect, fugitive, material witness or missing person, complying
with a court order, warrant, subpoena and other law enforcement
purposes. 2.7 Other Uses and Disclosures: If Home Credit Philippines
wants to use or disclose your personal data for a purpose that is
not discussed in this Privacy Notice, Home Credit Philippines will
ask for your written consent. **For Trusted Contact Persons:** -
Additional Information. We may contact you to ask for additional
information about our customer who named you as his/her Trusted
Contact Person, to verify the information provided in the customer’s
application, and/or other information such as the customer’s new
address and/or new contact number, in the event that we have an
important information for the customer (for example, if the customer
defaults on his/her payment obligation to us) and we are unable to
reach the customer using the contact information that he/she
provided to us. **3. How will Home Credit Philippines Retain/Dispose
your Personal Data?** 3.1 Retention. Home Credit Philippines will
retain your personal information due to the following reasons: 1.
For the fulfillment of the declared, specified, and legitimate
purpose, or until the processing relevant to the purpose has been
terminated; 2. For the establishment, exercise or defense of legal
claims; 3. For legitimate business purposes, which must be
consistent with standards followed by the applicable industry or
approved by appropriate government agency; or 4. In any case
provided by law. 3.2 Disposal. Home Credit Philippines will dispose
of your personal data in a manner that the data will be unreadable
(for paper) or irretrievable (for digital records). **4. Updates on
Privacy Notice** Updates to this Privacy Notice. We reserve the
right to amend this Privacy Notice at any time in the future. After
an amendment is made, the revised Privacy Notice will apply to all
personal data that we maintain, regardless of when it was created or
received. We will keep a copy of the current Privacy Notice posted
in our website and a copy will also be made readily available at
each appointment, upon your request. **5. Contact Home Credit
Philippines’ Data Protection Officer** Contact us. Home Credit
Philippines’ Data Protection Officer provides support with any data
privacy related questions, comments, concerns or complaints. You may
contact Home Credit Philippines’ DPO through the following
information: 5. Home Credit Philippines Office, 15/F Ore Central
Bldg., 31st Street, Taguig City, Philippines 6. Email address:
dpo@homecredit.ph Home Credit Philippines’ DPO will always use best
efforts to address and settle any requests or complaints brought to
its attention. In addition, you may also approach the competent data
protection authority for any requests or complaints.
For Job Applicants
# For Job Applicants HC Consumer Finance Philippines, Inc. (“Home
Credit Philippines”) respects the privacy of our customers and users
of our online platforms such as this website and our mobile
applications. We strive to embed privacy in all of our processes in
compliance with Republic Act No. 10173 also known as the Data
Privacy Act of 2012, its implementing rules and regulations, and
other issuances of the National Privacy Commission. We recognize the
importance of protecting your personal information as well as the
importance of transparency in the way that we collect, use, store,
transfer/disclose, and dispose information derived from your
employment application and employment relationship with us. This
notice covers the processing of personally identifiable information
which you submit in relation to your employment application with
Home Credit Philippines. **Personally Identifiable Information**
“Personally identifiable information” is information that can be
used to uniquely identify an individual such as name, password, age,
civil status, gender, mailing address, email address, telephone
number, mobile number, and other personal details which may be found
in your curriculum vitae or resume. We also consider personal
information and sensitive personal information as defined under the
Data Privacy Act of 2012 as personally identifiable information.
**Collection of Information** We collect personally identifiable
information when you submit your walk-in application through our
recruitment hubs, by submissions made through our website, through
Home Credit’s or third-party online job portals with whom we are
partners with. You are accountable for the content of the
information you provide to us and you must ensure that it is legal,
honest, truthful, accurate and not misleading in any way. You may be
asked to submit personally identifiable information of other persons
who will serve as character references. By sharing their personally
identifiable information, you hereby represent to Home Credit that
you have obtained their consent for the processing of their
personally identifiable information. With your consent, Home Credit
Philippines may collect your name, mobile number and email address
connected to Facebook and Gmail. External websites and companies
with hyperlinks to and from Home Credit Philippines’ online
platforms may collect personally identifiable information about you
when you visit their websites. This privacy notice does not extend
to those external websites and companies. Please refer directly to
their privacy notice regarding their handling of your personally
identifiable information. **Purpose for Collection** The personally
identifiable information you provide will be processed for Home
Credit’s recruitment functions and for related management,
information, planning and record-keeping purposes. This will include
determining whether you are a suitable applicant for any role that
you apply for, including shortlisting, arranging interviews,
selection, and preparing a suitable job offer. In addition, Home
Credit will process the personally identifiable information you
provide to communicate with you about the status of your job
application; to comply with any applicable laws and regulations or
in connection with any mandatory legal requirements and legal
claims; to manage the relationship between you and Home Credit; to
monitor and record services whether provided by Home Credit or a
third party; to inform you about new vacancies and events relevant
to our recruiting initiatives, in particular for graduates, and to
communicate with credit reference and information agencies (such as
for background checks, screenings, references and other quantitative
and qualitative testing purposes), where appropriate and as
permitted under applicable local laws. If you opt into Home Credit’s
candidate database, personal information about you will be used for
the purposes of considering whether your profile is suitable for
other job vacancies in Home Credit. Our background and credit checks
may include, but are not limited to, consultations with credit
bureaus, the National Bureau of Investigation, educational
institutions, previous employers, and character refences. **Scope
and Method of Processing and Data Sharing** Access to personal
information about you will be limited to those Home Credit
employees, temporary staff, vendors and contractors who have a
business need to access such personal information and may include
recruiters, human resources personnel, technical services personnel,
managers, and/or their respective designees. Home Credit will not
sell or rent personal information about you to third parties for
marketing purposes without your explicit consent. Home Credit may
share personal information about you with selected service providers
or consultants acting on our behalf, such as third parties assisting
Home Credit with the operation of our websites. Those third parties
will be required to protect personal information consistent with the
terms of this Notice. Home Credit may also disclose personal
information about you to serve legitimate business interests or to
comply with legal obligations, such as to: • Protect the legal
rights, privacy or safety of Home Credit or its employees, agents
and contractors; • Protect the safety and security of visitors to
our websites or other properties; • Protect against fraud or other
illegal activity or for risk management purposes; • Respond to
inquiries or requests from public or other authorities; • Permit us
to pursue available remedies or limit the damages that we may
sustain; • Enforce our Terms and Policies; or • Comply with the law
or regulation or legal process. **Storage and Security of Personally
Identifiable Information** Personally identifiable information
provided to Home Credit Philippines are stored in a secure database
under our control. We have taken reasonable and appropriate steps to
protect the information you share with us, including, but not
limited to, physical and technical security controls, equipment, and
software to prevent unauthorized access, use or disclosure of
personally identifiable information. We also have organizational
controls around the retention of your personally identifiable
information. We retain the information you share with us only for
the reasonable period necessary for us to deliver our services, to
meet legitimate business purposes, and to comply with retention
periods provided by other laws governing Home Credit. **Data Subject
Rights** Under the Data Privacy Act, you have the right to be
informed, the right to object, the right to access, the right to
rectification, the right to erasure or blocking, the right to
damages and the right to file a complaint. If you wish to exercise
any of these rights, you may contact us at (02) 7535711. We may
decline requests that are excessively repetitive, require
disproportionate technical effort, jeopardize the privacy of others,
or are extremely impractical or unreasonable. **Contact Home Credit
Philippines’ Data Protection Officer (DPO)** Home Credit
Philippines’ Data Protection Officer provides support for any data
privacy related inquiries or complaints. You may contact Home Credit
Philippines’ DPO through the following information: - Office
Address: 15/F Ore Central Bldg., 31st Street, Taguig City,
Philippines - Email address: dpo@homecredit.ph Individuals with
inquiries or complaints regarding our privacy practices should first
contact our DPO. Our DPO will always use reasonable efforts to
address and settle any requests or complaints brought to our
attention.
For Users of the Sales Network Application (SNApp)
# For Users of the Sales Network Application (SNApp) HC Consumer
Finance Philippines, Inc. (“Home Credit Philippines”) respects the
privacy of our customers, employees, and users of our online
platforms. We strive to embed privacy in all of our processes in
compliance with Republic Act No. 10173 also known as the Data
Privacy Act of 2012, its implementing rules and regulations, and
other issuances of the National Privacy Commission. We recognize the
importance of protecting your personal information as well as the
importance of transparency in the way that we collect, use, store,
transfer/disclose, and dispose information derived from your use of
our products, services, online portals, and mobile applications.
This privacy notice applies to the information we collect through
the Sales Network Application (SNApp). **Personally Identifiable
Information** “Personally identifiable information” is information
that can be used to uniquely identify an individual such as name,
password, age, civil status, gender, mailing address, email address,
telephone number, mobile number, and other personal details. We also
consider personal information and sensitive personal information as
defined under the Data Privacy Act of 2012 as personally
identifiable information. **Collection of Information** We only
collect your username and password to enable you to login into the
app. Your selfie photo will also be collected for purposes of
attendance validation. There are several non-identifiable
information we may collect after explicitly asking your permission,
such as location, call, phone calls, phone state – all to support
the application’s functions. **Use of collected information** The
personally identifiable information you share will only be processed
for your effective and efficient use of SNApp, i.e., to
login/logout, to record your attendance, view cash loan/POS loan
sales leads, among others. There is no personally identifiable
information shared to third parties through this mobile application.
**Mobile App Permissions** The SNApp may request that you activate
permissions including but not limited to location, phone calls,
camera, and phone state. The general description of the mobile app’s
behavior can be referenced through the permissions module of your
mobile phone. The processing of personal information and metadata by
the mobile application is consistent with what we explained in this
privacy notice. **Storage and Security of Personally Identifiable
Information** Personally identifiable information provided to Home
Credit Philippines are stored in a secure database under our
control. We have taken reasonable and appropriate steps to protect
the information you share with us, including, but not limited to,
physical and technical security controls, equipment, and software to
prevent unauthorized access, use or disclosure of personally
identifiable information. We retain your personally identifiable
information only for the reasonable period necessary to fulfill the
purposes of the app and to comply with retention periods provided by
other laws governing Home Credit. **Data Subject Rights** Under the
Data Privacy Act, you have the right to be informed, the right to
object, the right to access, the right to rectification, the right
to erasure or blocking, the right to damages and the right to file a
complaint. If you wish to exercise any of these rights, you may
contact us at (02) 753 5711. We may decline requests that are
excessively repetitive, require disproportionate technical effort,
jeopardize the privacy of others, or are extremely impractical or
unreasonable. **Contact Home Credit Philippines’s Data Protection
Officer (DPO)** Home Credit Philippines’ Data Protection Officer
provides support for any data privacy related inquiries or
complaints. You may contact Home Credit Philippines’ DPO through the
following information: - Office Address: 15/F Ore Central Bldg.,
31st Street, Taguig City, Philippines - Email address:
dpo@homecredit.ph Individuals with inquiries or complaints regarding
our privacy practices should first contact our DPO. Our DPO will
always use reasonable efforts to address and settle any requests or
complaints brought to our attention.