Privacy Policy

Effective Date: January 1, 2026
Last Updated: March 26, 2026

Credit Kaagapay (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at www.creditkaagapay.com and our related services.

This policy is written in compliance with the Data Privacy Act of 2012 (Republic Act 10173) of the Philippines and its Implementing Rules and Regulations.

1. Information We Collect

1.1 Information You Provide Directly

Account Registration: Name, email address, mobile number, date of birth, and government ID details
Credit Report Access: Identity verification information required by the CIC to retrieve your credit report
Loan Applications: Financial information including income, employment status, and loan purpose
Communications: Messages you send to our support team

1.2 Information Collected Automatically

Usage Data: Pages visited, time spent on pages, links clicked, and features used
Device Information: IP address, browser type, operating system, and device identifiers
Cookies: Session cookies for authentication and analytics cookies to improve our service (see Section 6)

2. How We Use Your Information

Purpose	Legal Basis
Providing and improving our services	Contract performance
Verifying your identity for CIC credit report access	Legal obligation (RA 9510)
Matching you with suitable loan products	Legitimate interest / Consent
Sending service notifications and updates	Contract performance
Sending marketing communications (with your consent)	Consent
Fraud prevention and security	Legitimate interest
Compliance with legal obligations	Legal obligation

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following circumstances:

With your consent: When you apply for a loan through our platform, we share your information with the specific lender(s) you choose
Service providers: Trusted third parties who assist in operating our platform (e.g., cloud hosting, analytics), bound by confidentiality agreements
Legal requirements: When required by Philippine law, court order, or government authority
CIC: Identity verification data is shared with the Credit Information Corporation solely to retrieve your credit report

4. Data Security

We implement industry-standard security measures to protect your personal information:

Encryption: All data transmitted between your browser and our servers is encrypted using TLS 1.3
Access Controls: Strict role-based access controls limit who can access your personal data
Regular Audits: We conduct regular security audits and vulnerability assessments
Breach Response: In the event of a data breach, we will notify affected users and the National Privacy Commission within 72 hours as required by law

5. Your Rights Under the Data Privacy Act

As a data subject under RA 10173, you have the following rights:

Right	What It Means
Right to be Informed	Know what data we collect and how we use it
Right to Access	Request a copy of your personal data we hold
Right to Rectification	Correct inaccurate or incomplete data
Right to Erasure	Request deletion of your data (subject to legal retention requirements)
Right to Object	Opt out of processing for marketing purposes
Right to Data Portability	Receive your data in a structured, machine-readable format

To exercise any of these rights, contact our Data Protection Officer at privacy@creditkaagapay.com.

6. Cookies Policy

We use the following types of cookies:

Essential Cookies: Required for the website to function (login sessions, security). Cannot be disabled.
Analytics Cookies: Help us understand how visitors use our site (e.g., Google Analytics). You may opt out.
Marketing Cookies: Used to show relevant advertisements. Only set with your explicit consent.

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Account data is retained for 5 years after account closure, as required by Philippine financial regulations. You may request earlier deletion of non-essential data.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or by posting a prominent notice on our website. Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated policy.

9. Contact Our Data Protection Officer

For any privacy-related concerns, requests, or complaints:

Data Protection Officer
Credit Kaagapay
Email: privacy@creditkaagapay.com
Website: www.creditkaagapay.com/contact/

You also have the right to lodge a complaint with the National Privacy Commission (NPC) of the Philippines at www.privacy.gov.ph.