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:
- 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.
- 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the further processing of such information immediately upon substantial proof that such information is incomplete, outdated, false, unlawfully obtained or otherwise used for unauthorized purposes.
- 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
- 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.
- 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).
- I authorize the processing of data related to communications with Home Credit (e.g., communication via in-app chat, email, telephone or other channels);
- 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).
- 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
- I authorize the use of these information for the creation of my user account in the Home Credit Mobile Application.
- 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.
- I authorize its use for fraud detection and investigation.
- 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
- 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.
- 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
- 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”).
- 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.
- 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
- 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.
- 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.
- 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.
- 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.