Privacy Policy - Cash-express

Privacy Policy

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Effective date: 9 May 2024 


Cash-Express Philippines Financing Inc. (hereinafter referred to as “the Company” or “We”) respects its Users (hereinafter referred to as “the User” or “You”) privacy and is committed to protecting their personally identifiable information (PII) that may be processed through the use of our Website and/or Mobile application “Cash-Express” (hereinafter referred to as “the App”).  


The processing of personal data includes collection, storage, use, disclosure, sharing, protection and deletion of Users personal data. 


Please read this Privacy Policy carefully. By using our Website or App you give your free, unambiguous consent that we can process your personal data in accordance with the conditions specified in this Privacy Policy. This Privacy Policy applies to all personal and sensitive information processed through the Website and/or App. 


  1. Types of data we collect and process   


Personal information 

The personal information which we collect may be provided by you directly (for example, when you create an account via App) or can be collected automatically when you use our Website and/or App. We may collect this information in various forms, for purposes of contacting or identifying you, and for other purposes not prohibited by applicable law.  


Personal information may consist, but is not limited to, the following:  

  • Contact information:
  • full name and surname;
  • contact number;
  • email address;
  • mailing address;
  • and other similar information.


  • Financial Information:
  • full bank account details.


  • Sensitive personal information:
  • marital status;
  • government-issued ID details;
  • postal address;
  • Address, State, Province, ZIP/Postal code, City.


Personally identifiable information (PII) input by third party 

Please note that if you use our Services via Website and/or App in place of other people, such as your family, friends or employees, you must ensure that you are authorised to provide us with their personal Information. Use of our Services in this manner automatically presumes that you have obtained proper authorisation from the owners of the Personal Information and have informed said persons of this Privacy Policy. You hereby represent and warrant that all your family, friends or employees whose personal information you have provided to us have agreed to the collection, use, processing, storage, and disclosure of their data in accordance with this Privacy Policy and all applicable law. 



When you access our Website, we may use Cookies or similar technologies on your computer or other devices to record information. Cookies are files with a piece of data, which may include an anonymous unique identifier and can be stored on your hard drive to help us improve your access to the Website and identify repeat visitors. You are free to decline our Cookies on your computer or other devices unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, the use of the Website may be limited if you do not accept our Cookies. 


  1. Use of data we collect  
  • We may use the data collected for any of the following purposes, as well as for other purposes permitted by applicable law: 
  • • to provide and maintain the Service; 
  • • to verify your identity and contact details; 
  • • to notify you about your transactions and changes to our Service; 
  • • to contact you and update you on the performance of our services;   
  • • to communicate with you and process your requests; 
  • • to offer surveys, promotions, and marketing communications; 
  • • to contact supplied personal references to verify the accuracy of the information and coordinate as to the identity and personal circumstances of the User; 
  • • to provide funds transfer services and related services; 
  • • to provide customer care and support; 
  • • to monitor the usage of the Service; 
  • • to detect, prevent and address technical issues; 
  • • to provide electronic funds transfer services and related services; 
  • • to collect delinquent accounts. 


  1. Electronic communications 


  • From time to time you will receive disclosures, notices, documents and information from the Сompany about your current loan status (“Communications”), for example: 
  • • confirmations of loans obtained by you; 
  • • confirmation of email address or password changes; 
  • • inquiries regarding the activity or status. 


By creating an account on the Website and App, you agree that all Communications from the Company relating to your use of our Services may be provided or made available to you electronically by mobile SMS, email or at the Website. 


  1. Mobile accessibility 


We may offer you the ability to connect to our Services using a mobile device, either through a Mobile application or via a mobile optimised Website. This Privacy Policy applies to all the devices. 


  1. Disclosure of data 


The Company will not rent or sell your personal information to third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorisation unless it’s a Legal Requirement. 


Legal Requirement 

We may disclose your personal Information in the good faith belief that such action is necessary: 

  • • to comply with a legal obligation under applicable law; 
  • • to protect and defend the rights or property of the Company; 
  • • to avoid or examine possible wrongdoing in connection with the Service; 
  • • to protect against legal liability. 


  1. Security of data 


Confidentiality of your personal Information is of utmost importance to us. We will use reasonable efforts to protect and secure your personal information from unauthorised access, collection, use or disclosure or accidental loss. Unfortunately, the transmission of information via the Internet is not completely secure. You are and shall at all times be responsible for keeping your account details confidential and you must not share your password with anyone and you must always maintain the security of the Mobile Device that you use at any given time. You shall be responsible for any act or omission of any user(s) that access your account information that, if undertaken by you would be deemed to be a violation of this Privacy Policy. You agree and undertake to notify us of any unauthorised access or use of your account or password or any breach of security.  


  1. Other service providers 


We may get the service of third party companies and individuals to facilitate our Service to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used. These service providers have access to the minimum amount of your personal data that they need for specific tasks on our behalf. All these service providers are obliged to maintain the confidentiality of personal data and do not use it for any other purpose. 


  1. External links 


Our Service might contain links to other websites that are not operated by us. If you click on a third party web link, you will be directed to that third party’s website. We have no control over and assume no responsibility for the content privacy policies and practices of other websites and other parties are governed by their respective terms of use and privacy policies. 


  1. Your rights regarding data we collect 


Request changes to your personal data 

You may by written notice, request us to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us. 


Request deletion of your personal data 

You may by written notice ask us to delete your personal data that we have no good reason to continue processing. You also have the right to ask us to delete your personal data where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, we may not always be able to honour your removal request, and if applicable, we will notify you when you request it.  


  1. Children’s privacy 

Our Website and App does not aim anyone under the age of 18 (eighteen) years old. We do not knowingly collect, use, provide, or process in other forms any personally identifiable information from anyone under the age of 18 (eighteen). 


  1. Changes to this Privacy Policy 


We may update or modify this Privacy Policy from time to time. If any changes are made we will reflect on the date on which any such changes are made and posted by updating the “effective date” at the top of the page. If we make any material changes, we will notify you by email or by a notice on our Website prior to the change becoming effective. Please be sure to check the page periodically for changes. 


  1. Contact Us 


If you have any question or concerns about this Privacy Policy, please contact us one of these ways: 

  • email: [email protected]
  • address: Cash-Express Philippines Financing Inc., Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City