Privacy Policy

Effective Date: February 24, 2025

Welcome to CREDIT SCORE PH!

We understand the importance of your personal information and are committed to protecting its security and reliability. We strive to maintain your trust by adhering to the following principles in safeguarding your personal information: accountability, purpose limitation, consent, data minimization, accuracy, storage limitation, integrity and confidentiality, and transparency. We also promise to take appropriate security measures in accordance with industry standards to protect your personal information.

Please read and understand this Privacy Policy carefully before using our services.

1. How We Collect and Use Your Personal Information

Personal information refers to any information that can be used independently or in combination with other information to identify a specific individual or reflect their activities.

CREDIT SCORE PH will only collect and use your personal information for the purposes stated in this policy:

• Account Registration: When you register for a CREDIT SCORE PH account, we collect your mobile phone number, verification code, and other information to create your account and ensure its security.
• Credit Assessment: To provide you with credit scoring services, we need to collect the following information:
• Identity Information: Such as name, ID number, ID validity period, etc.
• Location Information: When you use location-based services, we collect your geographic location data to assess your credit risk.
• Device Information: Such as device model, operating system version, unique device identifier, battery, signal strength, etc.
• Other Information: Such as educational background, occupation, income, etc.
• Service Improvement: We may collect device information, operation logs, and other data when you use CREDIT SCORE PH to analyze user behavior, improve service quality, and develop new features.

2. How We Use Cookies and Similar Technologies

CREDIT SCORE PH uses cookies and similar technologies to help you achieve a better user experience. You can manage or delete cookies based on your preferences. For more details, please visit AboutCookies.org.

3. How We Share, Transfer, and Disclose Your Personal Information

We will not share your personal information with any company, organization, or individual, except in the following circumstances:

• Sharing with Explicit Consent: We will share your personal information with other parties after obtaining your explicit consent.
• Sharing as Required by Law: We may share your personal information as required by laws and regulations, litigation dispute resolution, or administrative or judicial authorities.
• Sharing with Authorized Partners: To achieve the purposes stated in this policy, some of our services are provided by authorized partners. We may share certain personal information with partners to provide better customer service and user experience. We will only share your personal information for lawful, legitimate, necessary, specific, and explicit purposes, and only share the minimum necessary personal information.

We will not transfer your personal information to any company, organization, or individual, except in the following circumstances:

• Transfer with Explicit Consent: We will transfer your personal information to other parties after obtaining your explicit consent.
• Transfer Due to Merger, Acquisition, or Bankruptcy: In the event of a merger, acquisition, or bankruptcy involving CREDIT SCORE PH, if personal information transfer is involved, we will require the new holder of your personal information to continue to be bound by this policy or will seek your consent again.

We will only disclose your personal information in the following circumstances:

• Disclosure with Your Explicit Consent or Based on Your Active Choice: We may disclose your personal information with your explicit consent or based on your active choice.
• Disclosure for Legal or Safety Reasons: If we determine that you have violated laws and regulations or seriously violated CREDIT SCORE PH's relevant agreements, or to protect the personal and property safety of CREDIT SCORE PH, its affiliated companies, users, or the public, we may disclose your personal information in accordance with laws and regulations or CREDIT SCORE PH's relevant agreements, including related violations and measures taken by CREDIT SCORE PH.

4. How We Protect Your Personal Information

We have implemented security protection measures in line with industry standards to protect the personal information you provide, preventing unauthorized access, disclosure, use, modification, damage, or loss. We will take all reasonably feasible measures to protect your personal information.

5. Your Rights

In accordance with relevant laws, regulations, standards, and common practices in other countries and regions, we guarantee your rights to your personal information:

• Access Your Personal Information
• Correct Your Personal Information
• Delete Your Personal Information
• Change the Scope of Your Authorization and Consent
• Cancel Your Account
• Obtain a Copy of Your Personal Information

6. How We Collect and Use Your Personal Information (Additional Information)

6.1 Location Information

When you use location-based services, we collect your approximate geographic location data to assess your credit risk. For example, we may determine whether you frequently visit high-risk areas based on your approximate location information.

6.2 Camera Permission

When you use certain features of CREDIT SCORE PH (e.g., uploading an ID photo or facial recognition), we need to access your camera permission. We only collect your photo information when you use these related features and will strictly protect the security of your photo data.

6.3 Device Data

We collect your device information, such as device model, operating system version, unique device identifier, battery, signal strength, etc., to ensure your account security, identify abnormal account status, understand product compatibility, and provide you with better services.

7. Updates to This Policy

Our Privacy Policy may change.

We will not reduce your rights under this Privacy Policy without your explicit consent. Any changes to this policy will be posted on this page.

For significant changes, we will provide more prominent notice (including, for certain services, email notifications of specific changes to the Privacy Policy).

Significant changes referred to in this policy include but are not limited to:

• Major Changes in Service Modes: Such as changes in the purpose of processing personal information, types of personal information processed, and how personal information is used.
• Major Changes in Ownership or Organizational Structure: Such as changes in ownership due to business adjustments, bankruptcy, mergers, etc.
• Changes in the Main Objects of Personal Information Sharing, Transfer, or Disclosure.
• Major Changes in Your Rights Regarding Personal Information Processing and How They Are Exercised.
• Changes in the Department Responsible for Personal Information Security, Contact Information, and Complaint Channels.
• High Risks Identified in Personal Information Security Impact Assessment Reports.

8. How to Contact Us

If you have any questions, comments, or suggestions regarding this Privacy Policy, you can contact us through the following methods:

Company Name: ZRT CREDIT AND LENDING CORPORATION

Address: #62 Purok 2 Andal Alino (Pob.), Talavera, Nueva Ecija, 3114 Philippines

Email: menchiecabanban@zrtcredit.com

We will review the issues involved as soon as possible and respond within thirty days after verifying your identity.

Thank you for trusting CREDIT SCORE PH!