Valley loan is an application that is registered under Flash Cash 101 Lending Corp., which isa corporation organized and existing in the Philippines, with a SEC registration number: CS201915317. As a free app, Valley loan values the privacy of all users.
Flash Cash 101 Lending Corp("us", "we", or "our") operates the Valleyloan (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of Personal Information when you use our Service and the choices you have associated with that data.
We are committed to protecting your personal data and complying with the Republic Act No. 10173 or the Data Privacy Act of 2012 (DPA) and its implementing rules and regulations and the National Privacy Commission (NPC) policies of the Philippines. We also comply with the Google Play Store policies.
By using our Service, you agree to the collection and use of information in accordance with this policy.
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
List of installed applications： We solely gather a subset of the apps that are installed on your device and transmit them to https://top.phvalleyloan.com. The data that is collected includes the app name, package name, installation time, updated time, and version code. The information that is obtained is utilized solely for the purpose of analyzing your credit level and identifying any suspicious activities. We ensure that this data will not be shared with any third parties, nor will it be used for any commercial purposes. Our sole objective is to create a risk management model;
Contact: We may need access to your contacts in order to allow you to refer friends or family to our app and to facilitate communication between you and our customer service team.To upload and transmit your contact list data including name and phone number from your phone to https://top.phvalleyloan.com. The uploaded and transmitted name and phone number will be used to manage risks and conduct anti-fraud checks;
SMS: We need to access your text messages to manage risk and conduct anti-fraud checks. We will never share your data with any third parties without your permission. Your text messages will be collected and upload to https://top.phvalleyloan.com.
Storage: We may access your storage because we need to store some data on your device that will be used to serve you better with the Valley loan App;
Location: We need to access your location in order to ensuring the safety of your account, investigating, detecting, preventing, recovering from, or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf;
Camera: We need to access your camera so you will be able to upload the documents needed for your loan application. It will also help us avoid fraud and other abnormal activities;
Phone State: We may collect information such as Your Phone State, which includes Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data. This helps us to protect your account and avoid fraud;
Identification data (e.g., first name, surname, date and place of birth, image capture): We need your identification data for us to customize our services for you, and to facilitate our work flow;
Transaction data and financial information: We will keep a record for all of Your transactions with Valley loan, including but not limited to your loan offers, loan transfers, payments, loan requests;
Data related to your communications with Valley loan (e.g., your communications with Valley loan via in-app chat, telephone or other channels): We will keep a record for your conversations with our affiliated employee or system, via in-app chat, email or other channels;
Data provided by you in relation to participation in special offers and promotional activities conducted by Valley loan (e.g., promo codes, discounts, and participation in by-invitation-only groups)
Certain third party data (e.g., telecommunications usage data, information provided to or from credit reference agencies or bureaus, external collections agencies, mobile network providers).
The Company may use Personal Data for the following purposes:
To provide and maintain our Service,including to monitor the usage of our Service.
To manage Your Account:to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You:To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide Youwith news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests:To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes:We may use Your information for other purposes, such as credit scoring, data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
With Service Providers:We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users:when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your consent:We may disclose Your personal information for any other purpose with Your consent.
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
How To Delete your account:By following this process, your account and data will be permanently deleted, and our team will not be able to recover the account. Open Valley loan App, then follow Valley loan > Settings > Delete Account.
We use industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. We also take reasonable steps to ensure that our third-party service providers also implement appropriate security measures.
You have the right to access, rectify, erase, and block your personal information, as well as the right to object to its processing. You may also withdraw your consent to the processing of your information at any time. To exercise these rights, please contact us using the contact information provided below.
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Company Name:Flash Cash 101 Lending Corp.
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.
Customer service:+63 9602727190 /support@flashcash101lending.com
Working hour: 9am-6pm 7 days/week