Privacy Policy

Thank you for choosing to use Coco Peso (hereinafter referred to as the "App"). The App is operated by Moon Pie Trading Corporation, while the licensed entity is FAST COIN LENDING CORPORATION, registered under NO.CS20190000277 CA NO.3140. We (the App, its operators, and affiliates) understand the importance of privacy and are committed to protecting your personal information. This Privacy Policy (hereinafter referred to as the "Policy") explains how we collect, use, disclose, and protect your personal data. Please read this Policy carefully to understand our practices regarding your personal information. In this Policy, "we," "us," and "our" refer to the App and its operators, while "you" and "your" refer to the user of our services.

1. Types of Data Collected

We collect and process the following types of personal information:

1.1 Registration Information

      · Full name, national ID number, contact details (phone number, email address), residential address, and occupation.

      · Identity verification materials such as ID photos, selfies, or government-issued documents.

1.2 Device Information

To ensure security, fraud detection, and service optimization, we collect:

      · IMEI (International Mobile Equipment Identity), device model, OS version, IP address.

      · Network information (Wi-Fi status, mobile carrier) and approximate geolocation (collected with user consent).

      · Mobile Phone Status Information: We collect operator details, network status, Bluetooth status, battery status, and other related device data to analyze your credit status and prevent fraud.

      · Mobile Device Information: We gather various device attributes including phone type, IMEI, Android ID, MAC address, serial number, battery status, network operator details, hardware identifiers, and VPN usage for fraud prevention and risk assessment.

1.3 Financial Information

      · Bank account or card details for loan disbursement and repayment.

      · Transaction and payment history.

1.4 Behavioral Data

      · App usage, browsing history, loan applications, repayment records.

1.5 Additional Data (Collected with Consent)

      · SMS Data: We may collect the content of financial transaction-related text messages, such as loan applications, credit card transactions, payroll deposits, shopping payments, interest repayments, and investment returns. This data is used to assess your credit risk and perform fraud detection checks. Additionally, SMS data may be collected for one-time verification code (OTP) authentication to enhance your security.

      · Contacts: Emergency contact numbers (explicit user selection required).

      · Installed Applications: We collect app usage data, including installed software package names, install times, to monitor financial activities and detect fraud risks.

      · Camera/Photos: For uploading identity verification documents and conducting facial recognition during KYC procedures.

      · Geolocation Information: With your explicit authorization, we collect your approximate location via GPS, Wi-Fi, or mobile network to verify identity, prevent fraud, provide personalized recommendations, and optimize services. You can revoke location access anytime through device settings.

2. Purpose of Data Collection

Your personal information is collected for the following purposes:

      · Account Management: Creating and maintaining accounts, processing loan applications.

      · Risk Control & Security: Fraud prevention, credit assessment, and platform security.

      · Product Personalization: Tailoring loan offers and recommendations.

      · User Experience Enhancement: Improving features, detecting technical issues.

      · Marketing & Promotions: Sending relevant offers (only with user consent).

      · Bank account or card details for loan disbursement and repayment.

      · Transaction and payment history in the App.

3. Data Sharing and Disclosure

We may disclose your data under the following circumstances:

      · Service Providers & Third Parties: Payment processors, credit assessment agencies, fraud detection services.

      · Financial Institutions: Banks and lending partners for loan processing.

      · Legal and Regulatory Compliance: When required by law, government authorities, or court orders.

      · Business Transfers: In the event of mergers, acquisitions, or asset transfers.

All third parties receiving data are contractually obligated to use it solely for agreed purposes and protect it appropriately.

4. Data Security and Storage

We implement industry-standard security measures, including:

      · Encryption: Data is encrypted during transmission and storage.

      · Access Control: Only authorized personnel can access data under strict logging and monitoring.

      · Regular Audits: Periodic reviews to enhance security compliance.

      · Breach Response: Immediate notification and mitigation measures in case of a security breach.

Your personal data is stored securely in Philippines-based servers and retained only as long as necessary for its intended purposes, unless otherwise required by law.

5. User Rights and Data Management

As a user, you have the following rights regarding your personal data:

      · Right to Access: Request a copy of your personal information.

      · Right to Rectification: Correct inaccurate or incomplete data.

      · Right to Deletion: Request data deletion if no longer necessary or processed unlawfully.

      · Right to Restrict Processing: Limit the use of your data under certain conditions.

To exercise these rights, please contact our support team. Requests will be processed within legally mandated timeframes.

6. Children’s Privacy

This App is intended for users aged 18 years or older. We do not knowingly collect minors’ personal information. If such data is discovered, it will be deleted immediately.

      · Parental Responsibility: Parents should contact us if they find their child has used the App without consent.

      · Age Verification: We may request proof of age to prevent minor usage.

7. Privacy Policy Updates

We reserve the right to modify this Policy at any time. Changes will be published within the App and take effect immediately upon posting.

      · Modification Reasons: Legal updates, regulatory changes, business improvements.

      · User Rights: If you disagree with the revised Policy, you may discontinue use and request account deletion.

8. Contact Us

For questions or concerns regarding this Policy, contact our support team:

      · Email: [email protected]

      · Phone: +63 9552708567 (Weekdays 9:00 AM–6:00 PM)

We will respond promptly and address inquiries to the best of our ability.

Effective Date: From the date of App activation