Privacy Policy

1. Introduction

Digido respects and values your privacy, and we are committed to minimizing manual intervention in data processing. To provide you with real-time, efficient services, your information is primarily accessed, reviewed, and updated through automated systems such as computer programs, APIs, or official application packages (APKs).

We only collect and use your information within the scope permitted by applicable laws and regulations, and solely for the purpose of providing and optimizing our services. Please read this Privacy Policy carefully to understand how we protect and handle your personal data. By accessing or using the services of Digido (e.g., Easy Peso, as applicable), you acknowledge that you have read, understood, and agreed to the terms and practices outlined herein.

3. Collection of Personal Data

When you use our services or access our application, we may collect and record the following types of information, which are necessary to fulfill service commitments and ensure compliance with regulatory requirements:

3.1 Personal Identification Information and Device Data

To verify your identity, assess your creditworthiness, and ensure compliance with anti-money laundering (AML) and know-your-customer (KYC) regulations, you will need to provide basic personal information such as your full name, gender, date of birth, and clear copies of valid identification documents (e.g., national ID, passport).

To uniquely identify the device used to access our services (preventing fraudulent account creation or device-related data errors) and ensure the accuracy of credit assessments, we may collect limited device information, including: IMEI (International Mobile Equipment Identity), IDFV (Identifier for Vendors, for Apple devices), IDFA (Identifier for Advertisers, for Apple devices, with your prior consent), WiFi network information (e.g., network name for location verification), and mobile network operator information. We will not collect unnecessary device data beyond what is specified here.

3.2 Location Information

With your explicit consent, we may access your device’s location data (e.g., approximate location based on network or GPS) solely to: verify your residential address consistency with the information you provided, determine your eligibility for location-specific loan products (in line with local regulatory scope), and reduce the risk of location-related fraud. You may disable location access at any time through your device settings, though this may affect the availability of certain location-dependent services.

3.3 Camera and Photo Gallery (Album) Access

With your prior permission, we may request access to your device’s camera and photo gallery for the following purposes:

• Using the camera to capture real-time photos of your identification documents (to verify their authenticity) and conduct facial recognition (see Section 3.4);
• Accessing the photo gallery only to retrieve previously saved photos of your identification documents (if you choose to upload them instead of taking new photos).

We will not access or view other photos in your gallery unrelated to service verification.

3.4 Facial Recognition Data

To confirm that the individual using the application is the legitimate owner of the provided identification documents (preventing identity theft or account misuse), you may need to complete a facial scan. Important: We will only store your facial data temporarily during the verification process. Once identity verification is successfully completed, your facial data will be immediately and permanently deleted from our systems—we do not retain facial data for any purpose beyond verification.

4. Purposes of Collecting Personal Data

We collect your personal data exclusively for the following lawful, specific, and necessary purposes, and will not use it for unstated purposes without your additional consent:

1. Verify and confirm your identity (complying with KYC/AML regulations and preventing fraudulent use of services);
2. Conduct risk assessment and fraud prevention (e.g., analyzing device consistency, location validity, and identity authenticity to protect both your account security and our service integrity);
3. Fulfill contractual obligations (e.g., providing loan disbursements, repayment reminders, and after-service support as agreed in the loan contract);
4. Comply with regulatory requirements (e.g., responding to lawful requests from Philippine regulatory authorities such as the SEC, and maintaining records as required by local financial laws);
5. Evaluate the feasibility of establishing a formal loan contract (e.g., assessing creditworthiness to determine loan eligibility, amount, and terms);
6. Perform biometric and biographical verification (using facial recognition and identification document checks to ensure identity consistency).

5. Storage and Sharing of User Data

5.1 Data Storage

• All your personal data collected through our services is transmitted to Digido’s secure servers via the HTTPS protocol (ensuring data encryption during transmission) and stored in compliance with Philippine data protection laws.
• We implement industry-standard security measures (e.g., data encryption, access control, and regular security audits) to protect your data from unauthorized access, disclosure, alteration, or destruction.
• Temporary storage only: Except for data that must be retained to comply with regulatory record-keeping requirements (e.g., loan transaction records, which will be stored for the period mandated by Philippine laws), we will not store your personal data long-term. Once the regulatory retention period expires, the data will be securely deleted.

5.2 Data Sharing

We strictly adhere to the principle of "no unauthorized sharing":

• We will not sell, rent, or share your personal data with any third parties (including commercial partners, advertisers, or other institutions) for non-service-related purposes.
• Exception: We may disclose your data only if required by law (e.g., responding to a lawful subpoena from a court or regulatory authority) or to protect the legitimate rights and interests of Digido, the loan provider, or yourself (e.g., cooperating with anti-fraud investigations to prevent financial losses). In such cases, we will only disclose the minimum amount of data necessary to fulfill the legal obligation.

6. Amendments to This Privacy Policy

To adapt to changes in regulatory requirements, service functions, or data protection practices, we may update this Privacy Policy from time to time. When amendments are made:

• We will prominently notify you of the changes (e.g., via a pop-up message in the Digido application, an email to your registered address, or a notice on our official website), especially for significant changes that may affect your rights (e.g., adjustments to data collection scope or sharing rules).
• The updated Privacy Policy will take effect from the date of publication. Your continued use of our services after the effective date constitutes your acceptance of the amended terms.
• We will archive previous versions of the Privacy Policy on our official website (if applicable) for your reference, with clear records of amendment dates.

7. User Data Deletion Rights

You have the right to request the deletion of your personal account and associated data stored on our servers. To exercise this right:

1. Submit a written request (including your registered phone number and a brief explanation of the request) via the contact channels specified in Section 8.
2. We will verify your identity within a reasonable timeframe (no more than 5 working days) upon receiving your request.
3. Upon successful verification, we will securely delete your personal account data (excluding data required to be retained by law, as noted in Section 5.1) within 30 working days. We will notify you via your registered contact method once the deletion is completed.

8. Contact Us

If you have questions, complaints, or requests regarding this Privacy Policy, your personal data, or our data processing practices, please contact us through the following official channels:

• Email: santos@tnjfoam-tech.com
• Official Website: https://tnjfoam-tech.com
• Customer Service Working Hours: 8:00 AM – 6:00 PM (Philippine Standard Time, Monday to Friday, excluding public holidays)

We will respond to your inquiry within 3 working days and work with you to resolve any issues in a timely manner.