LOANS Monetary Lending Services operates a web-based loan management system with SMS and email notifications. We are committed to protecting your privacy and handling your data in a lawful, fair, and transparent way. Quick summary: We collect information you provide, information created as you use the Service, and information from our communications tools. We use this data to evaluate and service loans, schedule appointments, send confirmations and receipts, keep records required by law, and secure our platform. We never sell your personal data.
1) Scope & Who We Are
This Policy applies to all users of our online loan application portal and the internal management dashboard used by administrators, loan officers, and staff. It also covers our related communications via SMS and Gmail.
- Controller: Monetary Lending Services
- Address: Purok Malipayon, Ipil Heights, Ipil, Zamboanga Sibugay, Philippines
- Phone: 09525360035
- Email: monetaryloanlending@gmail.com
2) Information We Collect
Account & Identity Information (Debtors and Administrators)
Profile, contact, demographic, and authentication details.
- Debtors: name, birth date, gender, civil status, contact number, email, address, city, province, postal code, employment status or occupation or position, monthly income, government ID type and number, profile or cover images, verification status and codes, login timestamps, and reset or remember tokens.
- Administrators or Staff: name, email, role (Admin or Loan Officer or Customer Service), contact number, profile or cover images, last login, status flags.
- Security credentials: passwords are stored hashed and never in plain text.
Loan & Application Data
Information required to evaluate, approve, and service loans.
- Loan applications: type, amount, term, purpose, status or decision (approved or denied or cancelled), approving officer, timestamps, reasons where applicable.
- Loans and schedules: loan numbers, principal, term, interest, repayment schedules and due dates, monthly payment amounts, totals and balances, next payment date, and status.
- Collateral and co-makers: collateral type or description or value or location and document paths; co-maker identity and relationship information.
Appointments & Rescheduling
Data used to schedule and manage appointments.
- Appointment purpose, scheduled date and time and end time, status (Pending or Scheduled or Completed or Cancelled or No Show or Reject), notes, related application.
- Rescheduling requests with one-time reschedule policy: requested by Debtor or Admin, old and new date, reason, status, read flags.
Payments & Receipts
Records of payments made and receipts issued.
- Payment amount, method (currently cash operationally), receipt number, date, staff receiver, allocation to principal or interest or penalty, notes.
- Payment schedule status (Pending or Paid or Late or Partial) and penalties where applicable.
Communications & Notifications
Messages we send to you and related metadata.
- SMS & Gmail notifications: phone number, message content, type (Verification, Payment Reminder, Appointment Reminder, Loan Status), delivery status, verification codes, timestamps.
- Email notifications: appointment schedules or confirmations, payment receipts, overdue notices, and account communications.
Logs & Support
Operational and support data.
- Audit logs and admin activities capturing user type, action, description, IP address, timestamps.
- Contact submissions (name, email, subject, message, IP address, status).
Technical Information (Website or App)
Device and usage information for security and session management.
- Device or IP address, browser details, pages visited, time spent, cookies or similar technologies.
3) Why We Use Your Information
Purposes and legal bases for processing.
- Provide the Service and perform our contract with you: account creation and authentication; appointment scheduling or rescheduling; loan intake, assessment, approval, disbursement, servicing; payment recording and receipts; dashboard displays.
- Communicate with you (consent or contract or legitimate interests): SMS and email confirmations, receipts, reminders including overdue notices, service announcements.
- Verify identity, prevent fraud, and ensure platform security (legal obligations or legitimate interests): audit logs, verification codes, activity tracking.
- Comply with laws and regulations (legal obligations): record keeping, credit and risk assessments, responding to lawful requests.
- Improve our Service (legitimate interests or consent where required): troubleshooting, analytics, feature development, quality assurance.
We do not use fully automated decision making that produces legal or similarly significant effects without human review. Loan decisions involve our loan officers.
4) How We Share Information
Service providers
Hosting or IT, email (Gmail), and SMS gateway partners that process data on our behalf under contracts and confidentiality.
Financial and compliance partners
Credit bureaus or government authorities when legally required.
Corporate transactions
If we undergo a merger, acquisition, or asset sale, your data may be transferred with appropriate safeguards.
Legal and safety
To comply with legal process, enforce terms, protect rights, security, or prevent fraud.
We do not sell personal information.
5) Data Retention
We retain data as long as needed to provide the Service, meet legal, tax, accounting, and regulatory obligations, resolve disputes, and enforce agreements.
- Loans, applications, payments, and schedules: retained for statutory record keeping periods after closure.
- Audit and activity logs: retained to ensure security and compliance.
- Contact submissions and support records: retained for customer service and compliance.
When retention periods end, we securely delete or irreversibly anonymize data.
6) Security Measures
Technical and organizational measures we apply.
- TLS encryption in transit; encryption and or access controls for data at rest where applicable.
- Hashed passwords, role based access controls, least privilege permissions.
- Continuous logging and regular assessments.
- Employee confidentiality and data protection training.
No method of transmission or storage is 100 percent secure; we continuously improve our safeguards.
7) Your Choices & Rights
Depending on your jurisdiction including the Philippines Data Privacy Act and where applicable GDPR, you may have rights to:
- Access the personal data we hold about you.
- Correct inaccurate or incomplete data.
- Delete data where no longer necessary or where required by law.
- Object to or restrict certain processing including direct marketing.
- Data portability for information you provided where technically feasible.
- Withdraw consent at any time where processing is based on consent.
To exercise rights, contact monetaryloanlending@gmail.com. We may need to verify your identity before acting on your request.
8) Cookies & Tracking
We use essential cookies to keep you signed in and secure your session. You may set your browser to block cookies, but some features may not function properly. If we adopt analytics or advertising cookies, we will update this Policy and where required request consent.
9) International Transfers
Our providers such as email or SMS or hosting may process data outside your country. Where required, we implement safeguards such as contractual clauses to protect your information during such transfers.
10) Children Privacy
Our Service is not directed to individuals under 18. We do not knowingly collect personal data from children. If you believe a minor provided personal data, contact us and we will take steps to delete it.
11) Appointment & Communication Practices
- Appointments are scheduled by management and sent to your registered email; they also appear in your dashboard.
- You may confirm or request one reschedule from your dashboard. If you do not attend the rescheduled appointment, your loan application may be rejected.
- Payment receipts and important notices including overdue reminders are sent via SMS and email and recorded in your account.
- For operational security, these communications and related logs are stored in our system.
12) Third-Party Links
Our website may link to third party sites. We are not responsible for their privacy practices. Review their policies when you leave our Service.
13) Changes to This Policy
We may update this Policy from time to time. We will post the new Policy with an updated Last Updated date and, when required, notify you via the Service or email or SMS. Continued use of the Service after changes become effective means you accept the revised Policy.
Appendix A - Data Inventory Mapping (by Module)
- Debtors: identity, contact, demographics, employment, verification, images, login or verification or reset metadata.
- Administrators: identity, role, contact, login and status.
- Loan Applications: type, amount, term, purpose, status or decision, approver, timestamps, reasons.
- Loans: principal, interest, term, schedules, totals, balances, status, next payment; linked debtor and application.
- Payment Schedule: due dates, amounts principal and interest and penalty, status, paid dates, links to payments.
- Payments: amounts, method, receipt number, receiver staff, allocations and notes.
- Appointments and Reschedules: schedule windows, statuses, reasons, read flags, related application.
- Collateral and Co-makers: identity or relationship data; collateral descriptions, estimated value, locations, document paths.
- Notifications: SMS messages and delivery status; email notification context.
- Logs: audit logs and admin activities with action detail and IP address.
- Support: contact submissions with message content and IP address.
- Content and Settings: privacy policy record, FAQs, system settings non PII, company info.
Appendix B - Legal Bases Reference (Examples)
- Contract: account creation, appointment scheduling, loan servicing, payment receipting.
- Legal obligation: identity verification, audits, record retention, responding to lawful requests.
- Legitimate interests: platform security, fraud prevention, service improvement, operational communications.
- Consent: SMS verification and marketing if any, optional features, cookies beyond strictly necessary.
This Policy is provided for transparency and does not constitute legal advice. For jurisdiction specific obligations, consult qualified counsel.
Contact Us
If you have questions about this Policy or our data practices, contact:
- Monetary Lending Services
- Purok Malipayon, Ipil Heights, Ipil, Zamboanga Sibugay, Philippines
- Phone: 09525360035
- Email: monetaryloanlending@gmail.com
