GoFcash Privacy Policy

This Privacy Policy applies to the GoFcash iOS application and related loan services operated by GOFCASH LENDING CORPORATION ("GoFcash," "we," "us," or "our").

1. Policy Overview

GOFCASH LENDING CORPORATION is a lending company organized under the laws of the Philippines. We are committed to processing personal data fairly, lawfully, transparently, and only for specified and legitimate purposes.

Registration Number: CS201803813
Certificate of Authorization Number: 2653
Address: Unit 701, 7th Floor Raffles Condominium Corporation Emerald Avenue, Ortigas Center Pasig, Metro Manila, 1605 Philippines.

2. Personal Data We Collect

We collect only personal data that is necessary to provide loan-related services, comply with legal and regulatory obligations, prevent fraud, maintain the security of the App, and respond to customer requests.

2.1 Account, Identity, and Personal Information

We may collect your name, phone number, email address, date of birth, gender, address, government-issued identification information and photo, account or application identifier, as well as selected emergency contact information (name, phone number and relationship). Depending on the form, we may also collect educational background, marital status, family situation, property ownership, and social or communication account information. We use this information for account management, identity verification, loan processing, communication, and fraud prevention.

2.2 Financial and Employment Information

To assess loan eligibility and repayment capacity, we may collect bank account or e-wallet details, employer name, job position, employment status, income information, existing loan obligations, and repayment-related information that you provide.

Before we obtain credit-related information from a credit bureau or another authorized source, we provide the required notice and obtain your authorization or consent where required by applicable law.

2.3 Device, Network, Security, and Diagnostic Information

When you use the App, we may automatically collect limited technical information, including device model, operating system version, app version, IP address, network carrier, app error logs, app performance data, and necessary security signals.

We use this information only to operate the App, maintain service security, prevent fraud, investigate misuse, diagnose errors, and improve App performance.

2.4 Location Information

GoFcash will only access your location information when you grant permission and select "Use Current Location". We only use the location data to verify the availability of services in your area.

2.5 Camera and Photo Library

With your permission, we use the camera for ID photos, live selfies, or photos of you holding your ID. When you use the photo picker, we receive only the image you select for verification or feedback. Feedback submissions may include your description, account contact information, and an attached image, which we use to respond to your request.

2.6 Advertising and Tracking

We do not sell personal information. We do not use your KYC information, government ID, selfie image, financial information, or loan application content for advertising or behavioral marketing.

If the App uses an advertising identifier or shares data for tracking across apps or websites owned by other companies, we request permission through Apple’s App Tracking Transparency framework before enabling that processing. Tracking permission is not a condition for applying for, receiving, or servicing a loan. If permission is declined, tracking functions that require permission remain disabled.

3. How We Use Personal Data and Our Legal Bases

We process personal data only when necessary to perform or prepare a loan contract, comply with legal or regulatory obligations, prevent fraud, protect the security of our services, or where you have given valid consent.

• Process and service loan applications and accounts;
• Verify identity, assess loan eligibility, and prevent fraud;
• Disburse loans and process repayments;
• Confirm service availability using your selected location;
• Respond to account, payment, customer-service, complaint, and dispute requests;
• Meet legal, regulatory, audit, and recordkeeping obligations;

4. Automated Credit Assessment and Fair Collection

We may use credit scoring, fraud-detection tools, and other automated processes to assist with loan eligibility and repayment-capacity assessment.

Before we collect or use personal data for automated credit assessment, we provide a just-in-time notice explaining the data categories and sources used, the purpose of the processing, the possible effect on your application, and the available choices or consent request where required by law.

5.Key Service Providers

Dyna.AI — identity verification and fraud prevention. It may receive the ID image, selfie image, verification result, and necessary account or application identifiers.

AppsFlyer — app-install attribution and app-performance analytics. It may receive limited device and app-event data configured for that purpose. We do not provide AppsFlyer with government ID details, selfie images, bank account or e-wallet details, income information, or loan application content.

Alibaba Cloud — secure storage of ID and selfie images for identity verification, loan servicing, fraud prevention, and required recordkeeping.

6. Retention and Security

We retain personal data only for the periods necessary for the purposes described in this Policy and for applicable legal, regulatory, accounting, fraud-prevention, and recordkeeping requirements.

• App diagnostic and security logs: ninety (90) days after collection, unless needed for an active security investigation;
• Unsuccessful or withdrawn applications: one hundred eighty (180) days after withdrawal or rejection, unless a longer period is required by law or a fraud investigation;
• Loan, repayment, transaction, and KYC records: at least five (5) years after account closure or final settlement, and longer only where required by law or for an unresolved investigation, dispute, or legal claim;

We use reasonable organizational, physical, and technical safeguards designed to protect personal data. These measures include encryption in transit and at rest where appropriate, role-based access controls, authentication, logging and monitoring, vendor-security reviews, incident-response procedures, and periodic testing of security measures.

7. Your Rights and Account Controls

Subject to applicable law, you may request access to your personal data, correction of inaccurate data, information about data sources and recipients, objection to direct marketing or automated processing, withdrawal of optional consent, deletion or blocking of data, and a copy of eligible data in a structured and commonly used format.

You may request account deletion through Profile > Settings > Delete Account in the App, or by emailing gofcashlc@gofcashlending.com. Deleting an account does not require us to delete personal data that we must retain for legal, regulatory, repayment, fraud-prevention, dispute-resolution, or legal-claim purposes.

You may lodge a complaint with the Philippine National Privacy Commission if you believe that your privacy rights have been violated.

8. Users 18 and Older

Our services are only for users aged 18 or above. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a minor, we will take appropriate steps to delete it unless we are required by law to retain it.

9. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, data practices, or legal requirements. When we make a material change, we will provide notice through the App or by other appropriate means. Where required by law, we will obtain new consent before processing personal data for a new or materially different purpose.

10. Contact Us