It is recommended that all users closely scrutinize this Privacy Policy. By choosing actions such as "Register", "I Accept the Privacy Policy of CashEJ", "I Authorize the Collection, Use, Disclosure, Storage, Transmission, and/or Handling of My Personal Information as Defined by CashEJ's Privacy Policy" or akin expressions found on the CashEJ registration or within the service usage, you confirm your comprehension and agreement to how your personal information will be treated as stated herein.
1. Essential Loan Provider Insights
Our Collaboration with Premier Loan Providers: To ensure you have access to a broad spectrum of financial services, CashEJ partners with distinguished loan providers. We believe in keeping you informed about these crucial partnerships.
Key Loan Provider Details:
Provider Identification: Neuroncredit Financing Company Inc.
Official Registrations and Certifications:
SEC Registration Code: CS201816338
Certificate of Legal Authority: 1178
Location and Contact:
Email Query: [email protected]
Contact Number: 9120110462
Postal Address: Unit 1005 Centerpoint Building Julia Vargas corner Garnet Road, Ortigas Center, San Antonio Pasig, Metro Manila, 1605 Philippines
2. Exercising Data Subject Rights at CashEJ
For inquiries or to exercise your privacy rights, please reach out to us at .
Informative Rights: CashEJ is responsible for providing you with information about our data processing activities, including how we collect, use, share, and safeguard your data, alongside delineating your rights. This comprehensive information is accessible within the CashEJ App and our Privacy Policy.
Right of Access: You are entitled to review the personal information we hold, although certain restrictions may apply to preserve the privacy rights of others or follow legal directives.
Amendment Rights: You can request the amendment of any erroneous data we possess. Verification documentation may be required for these amendments to be processed.
Erasure Rights: At your behest, we can erase your personal data from our systems when its retention no longer serves its initial purpose.
Restriction of Processing: Under circumstances of disputed data accuracy or questioning of processing legitimacy, you can ask us to halt processing temporarily.
Portability Rights: You may request your data in a portable format or have it sent to a new controller, provided it's technically feasible.
Rights to Object: Should our processing be based on legitimate interests, you can challenge this basis as detailed in section 2 of our policy.
Complaint Procedures: You are encouraged to file a complaint with the National Privacy Commission of the Philippines if you feel your data rights have been infringed. Exceptions may apply to your requests based on legal mandates or specific obligations we must adhere to.
3. Data Collection by CashEJ involves:
Personal identification elements such as your complete name and birthdate for identity verification.
Data from your loan application like salary, employment status, the reason for the loan, and specifics about your mobile equipment for loan processing.
Your communication details including home address, phone number, and email for contact purposes.
Detailed borrower information, notably SSS, job details, contacts, and emergency contacts for a comprehensive borrower profile.
Specifications of your mobile device such as unique ID, system and OS types, configurations, account info, and network details for app optimization.
Location information from your mobile's GPS, IP address, and device data for enhanced service delivery.
CashEJ captures your "Info" through:
Your initial app installation or when you express interest in obtaining a loan.
Direct interactions with our team, including information shared with our support staff or loan agents.
Checks with credit verification services and fraud prevention agencies to validate your information against other sources.
The primary reason for gathering and managing your "Info" is to offer CashEJ services or comply with specific legal requirements. We do not collect your information without your explicit consent, except as required by law.
4. The Way CashEJ Employs Your Information
To ascertain your qualification for loans and services, analyzing financial stability and suitability for service enhancements.
Management of loan agreements, ensuring efficient processing and execution of financial obligations.
Identity verification to ensure the reliability of client data.
Implementation of measures to safeguard against fraud and secure service integrity.
Upgradation of CashEJ's service portfolio to better meet user needs.
Tackling of any operational issues experienced by clients.
Compliance with legal mandates focusing on client authentication and financial crime deterrence.
Distribution of promotional content, subject to your acceptance.
Communication about service advancements and news.
Cooperation with credit validation and fraud mitigation partners.
Customer service excellence and engagement through selected communication modes.
Grounds for Processing Client Data:
Leveraging legitimate interests for service enhancement and operational efficiency.
Adhering to our contractual commitments to you, including addressing inquiries pre-agreement.
Processing based upon your explicit approval for certain data handling procedures.
5. Governance of User Information by CashEJ
Through the acceptance of this Privacy Policy, the Borrower authorizes CashEJ, along with its subsidiaries and partners, to conduct regular credit assessments using the provided information, not only during the loan's term but also for future financial service considerations.
CashEJ guarantees the confidentiality of personal data, with a strict policy against disclosing such information to unrelated third parties, except as strictly required for delivering its financial services. Limited personal data may be shared with selected research partners, with a preference for data anonymization to protect user privacy.
By agreeing to this policy, you permit CashEJ to disseminate your data, when necessary, to:
The broader CashEJ Group network, including associated agents, affiliates, and leadership teams;
Banking and financial partners, credit reference agencies, and organizations specializing in fraud detection and technological support;
External entities tasked with assisting in financial recoveries or operational enhancements;
Appropriate regulatory bodies and entities in the event of legal, merger, or acquisition proceedings;
Other relevant parties under the compulsion of legal directives, for the enforcement of agreements, or for safeguarding the interests of CashEJ and its community.
This structured approach to data sharing is integral to the provision of CashEJ's services, reflecting a commitment to legal compliance and the secure management of user data.
6. Management of Data Retention by CashEJ
CashEJ commits to holding personal Data for the time frame strictly necessary to fulfill the specific purposes highlighted in sections 2 and 10 of the Privacy Policy. This period extends to what is reasonable for concluding our service provisions effectively. Additionally, the retention of your Data may extend under certain conditions: (i) to comply with mandatory legal obligations; (ii) where legal provisions permit retention; and (iii) to formulate defenses for potential legal proceedings.
7. Implications of Withholding Your Data
Providing your personal data to us is entirely voluntary and you have the right to revoke your consent regarding the use or processing of such data at any time. However, without your information, our ability to offer you our range of products and services might be compromised. In such cases, it may become necessary for us to discontinue our services to you, in accordance with the provisions of relevant laws. Additionally, where there is a justified basis under the law for retaining your data, such as ongoing loan repayment obligations, we reserve the right to retain your information to fulfill such requirements.
8. Consent and Delegation by Engaging with CashEJ App
Upon the installation and utilization of the CashEJ App, you consent to:
Adhere to the conditions of this Privacy Policy;
Allow CashEJ the authority to process your Information, which may span across personal, sensitive, and confidential data types as per relevant legislation, in alignment with the practices described in this Privacy Policy;
Affirm the truth and completeness of all Information you have supplied and commit to provide to CashEJ;
Grant CashEJ permission to undertake verification processes to confirm the accuracy of the provided Information;
Acknowledge CashEJ's requirement to share your Information with regulatory entities including but not limited to the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting bodies to meet statutory and legal duties.
9. Facial Data Collection and Use Agreement
User Agreement for Facial Data Use in Account Verification
The integrity and security of your user account are paramount to us. As part of this dedication, the application engages in the collection of facial data during the Know Your Customer (KYC) authentication steps. Please review our practices concerning facial data usage:
Facial Data Collection: We gather information related to your facial attributes and biometric identifiers solely for identity authentication and account security enhancements.
Intended Use of Facial Information: This facial information is utilized exclusively for the KYC verification process, ensuring the legitimacy and protection of your account. This data will not be repurposed for commercial uses.
Privacy and Sharing of Facial Data: We assure you that your facial data remains confidential and is not shared with any external entities without legal requirement or without obtaining your clear consent.
Facial Data Storage and Protection: Rigorous security protocols are in place to guard the facial data stored on our servers, with comprehensive measures adopted to secure your information.
Retention of Facial Data: We hold onto your facial data only as long as it serves the KYC verification need, following which immediate actions are taken to delete or anonymize such data.
Rights Regarding Your Facial Information: You are entitled to access, modify, or request the deletion of your biometric data. Should you have any questions or wish to exercise your rights, our privacy team is ready to assist.
By engaging with our application, you consent to our facial data processing as described herein. Our pledge is to uphold stringent privacy and security levels for all your personal information.
For further details or support, feel free to reach out to our privacy team, committed to ensuring a secure service experience.
10. Communication and Policy Enhancement
To communicate with our team, please direct your emails to .
Our Privacy Policy may evolve over time to align with our enhanced privacy commitments. As of 05-18-2025, we suggest that you regularly check this page to remain informed about the most recent version of our policy.