This Privacy Policy explains how Peso Ready collects, uses, stores, shares, and protects personal information when you register for an account, apply for a loan, repay obligations, or otherwise use the Peso Ready mobile application and related services.
This Privacy Policy is intended for users located in the Philippines. By downloading, registering for, accessing, or continuing to use Peso Ready, you acknowledge that you have read and understood this Privacy Policy and agree to the processing practices described here, subject to applicable law.
Eligibility to Use the Service
To use Peso Ready, you must be at least eighteen (18) years old, reside in the Philippines, possess a valid government-issued ID, have the legal capacity to enter into binding agreements, and satisfy our verification and risk review requirements.
We may decline, suspend, limit, or terminate access to the service if eligibility standards are not met or if suspicious, misleading, abusive, or unlawful conduct is detected.
Information We May Collect
We collect only information that is reasonably necessary to provide lending services, protect account security, comply with legal duties, and improve product reliability.
Identity and Contact Information
We may collect your name, mobile number, date of birth, home address, government-issued identification details, selfie or verification images, and emergency contact information.
Application and Financial Information
To review your loan application and support account servicing, we may collect employment details, occupation, employer information, source of income, income range, receiving account details, repayment history, and transaction-related records.
Device and Technical Information
We may collect technical and device-related information such as device model, operating system version, IP address, network type, language settings, app version, device identifiers, and security or system logs needed to maintain service integrity.
Location Information
With your permission, Peso Ready may access approximate location information to support verification, detect abnormal activity, strengthen fraud controls, and meet internal risk-management or compliance requirements.
Camera Information
With your permission, Peso Ready may use your device camera to capture identification documents, face verification images, or other materials required for identity verification and account protection.
Advertising Identifier / Similar Device Signals
Subject to your device settings and platform rules, we may process limited advertising identifier information or similar device signals to improve fraud detection, evaluate product performance, and optimize service delivery.
Usage and Service Interaction Information
We may collect information regarding how you interact with the app, including login records, page visits, feature usage, application progress, error events, support interactions, and other operational activity needed to maintain or improve the service.
How We Use Information
We may use collected information to:
- Create, manage, and secure your account;
- Verify identity and eligibility;
- Review and process loan applications;
- Conduct fraud screening, risk review, and internal controls;
- Process disbursements, repayments, extensions, and related account actions;
- Send verification prompts, repayment reminders, notices, and service messages;
- Improve app performance, stability, product design, and customer support quality;
- Comply with legal, audit, reporting, and regulatory obligations;
- Investigate disputes, enforce agreements, and protect our lawful interests.
Legal Basis for Processing
Where required under applicable law, we process personal information based on one or more lawful grounds, including your consent, the performance of a contract or requested service, compliance with legal obligations, fraud prevention, protection of legitimate interests, and the establishment or defense of legal claims.
Sharing and Disclosure
Peso Ready does not sell your personal information to third parties.
We may share information only where reasonably necessary and legally permitted, including with:
- Identity verification, anti-fraud, cloud hosting, analytics, and technology service providers;
- Payment channels, banking partners, customer support providers, and operational vendors;
- Regulators, courts, government authorities, or law enforcement agencies when required by law or lawful process;
- Professional advisers, auditors, or entities involved in a merger, acquisition, restructuring, or similar business transition, subject to appropriate safeguards.
Parties receiving information on our behalf are expected to process it only for authorized purposes and to apply suitable confidentiality and security controls.
Data Security
We maintain administrative, technical, and organizational measures designed to protect personal information from unauthorized access, disclosure, misuse, loss, alteration, or destruction.
These safeguards may include encrypted transmission, controlled access permissions, system monitoring, internal security review procedures, secure server environments, and other reasonable protection mechanisms appropriate to the nature of the data we process.
While we work to protect information, no online system can promise absolute security.
Data Storage and Retention
Your information may be stored on secure systems operated by Peso Ready or authorized service providers supporting the service, including https://customer.buttarlending.com.
We keep personal information only for as long as necessary to provide services, comply with law, resolve disputes, maintain records, prevent abuse, or protect legal rights. When retention is no longer required, we will delete, anonymize, or securely dispose of the data as appropriate.
Your Privacy Rights
Subject to applicable Philippine data privacy requirements, you may have the right to request access to your personal information, correction of inaccurate data, deletion or blocking where legally applicable, withdrawal of consent for optional processing, objection to certain processing activities, and other rights recognized by law.
We may request reasonable identity verification before acting on a privacy request.
Updates to This Privacy Policy
We may revise this Privacy Policy from time to time to reflect operational, legal, product, or compliance changes. The most recent version will be made available through the application or other official channels.
Continued use of Peso Ready after an updated version becomes effective may be treated as acknowledgment of the revised policy, to the extent allowed by law.
Contact Us
All loan-related services offered through this platform are exclusively authorized and provided by WING OF INTEGRITY LENDING CORP., a licensed lending company registered with the Securities and Exchange Commission:
- SEC Registration No.
- CS201916097
- Certificate of Authority No.
- 3103
- Registered Address
- 8th Floor, The W Fifth Avenue Building, 5th Avenue, Bonifacio Global City, Taguig City, Metro Manila 1634, Philippines
If you have questions, requests, or concerns regarding this Privacy Policy or the handling of your information, please contact us using the details provided below: