Thank you for choosing Cashguard. The Cashguard app is developed and operated by Hibaysparktech PH lending Inc. and authenticated by Fast Coin Lending Corp. (SEC Registration No.: CS20190000277, Certificate of Authorization No.: 3140). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, store, and safeguard your data when you interact with our application. By using our services, you consent to the practices described in this policy.

Information We Collect

1.1 Personal Information

         Details Collected: Full name, email address, phone number, date of birth, and other personal details required for account setup and loan applications.

         Identity Verification Materials: ID photos, selfies, or government-issued documents.

         Purpose: To manage your account, process loan applications, and comply with regulatory requirements.

         Storage: Data is securely stored on our encrypted servers and retained only as long as necessary for its intended purposes or as required by law.

1.2 SMS Data

         Details Collected: Content of one-time verification code, financial loan-related text, credit card transactions, payroll deposits, shopping payments, interest repayments, and investment returns.

         Purpose:

                  Account Security: To verify that loan applications are submitted by you.

                  Fraud Prevention: To detect fake accounts and prevent identity theft.

                  Loan Updates: To notify you about loan approvals, disbursements, due dates, and payment reminders.

         Storage & Security: Data is securely stored and deleted once the assessment is completed.

1.3 Contact Data

         Details Collected: Only the contact details you manually select (names, numbers).

         Purpose:

                  Credit Assessment: To evaluate your loan repayment ability.

                  Personalized Loan Offers: To tailor loan options based on your financial profile.

                  Risk Assessment: To ensure fairness in the loan approval process.

                  Contact Availability: To facilitate communication and help you avoid missed payments and penalties.

         Storage & Security: Data is securely stored and never shared with third parties.

1.4 Camera Permission

         Details Collected: Images captured via your phone’s camera (e.g., ID photos or selfies).

         Purpose:

                  Identity Verification: To confirm your identity and prevent unauthorized applications.

                  Faster Processing: To accelerate the verification process for a smoother loan experience.

         Storage & Security: Data is used strictly for verification and fraud prevention and is securely stored.

1.5 Location Data

         Details Collected: Approximate location data via GPS, Wi-Fi, or mobile network (not exact GPS coordinates).

         Purpose:

                  Risk Assessment: To verify if your location aligns with your loan application details.

                  Fraud Prevention: To detect suspicious activities and prevent fraudulent applications.

         Storage & Security: Data is collected only when the app is in use, securely stored, and never collected in the background.

1.6 Device Information

         Details Collected: Basic device details, including model, IMEI, software version, and device ID.

         Purpose:

                  Fraud Detection: To identify suspicious activity and prevent fraudulent applications.

                  Device Security Check: To ensure your device is secure for using our app.

                  App Optimization: To enhance app performance across different devices.

         Storage & Security: Data is automatically collected and securely stored.

1.7 Installed Apps Data

         Details Collected: A list of installed apps, including app names, installation dates, and versions.

         Purpose:

                  Financial Review: To understand your spending behavior and financial patterns.

                  Fraud Prevention: To detect potentially harmful or risky apps.

         Storage & Security: Data is securely stored and used strictly for credit assessment and fraud prevention.

Data Usage and Authorization

By agreeing to this Privacy Policy, you authorize Cashguard to use your data for the stated purposes. We ensure the confidentiality and security of your data, sharing it only when required for legal compliance or service fulfillment.

 Revoking Consent

You may revoke specific permissions at any time through your phone settings. However, disabling certain permissions may limit app functionality and impact loan approval.

Data Protection and Retention

Your data is encrypted, securely stored, and retained only for the necessary duration to fulfill the stated purposes or meet legal requirements. Once no longer needed, it will be securely deleted.

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. 

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.

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 stop using the app and request account deletion.

Contact Us

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

Email: [email protected]

Web: https://www.cashguardapp.com​

Phone:+63 9383677542

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