🔒 Privacy Policy

How we collect, use, and protect your personal information

Last Updated: December 20, 2024

Effective Date: December 20, 2024

This Privacy Policy follows established privacy practices and applicable Philippine data protection laws.

1. Introduction

Geek Cash Philippines, Inc. ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and services (collectively, the "Platform").

Data Controller: Geek Cash Philippines, Inc. acts as the data controller for personal information collected through our Platform.

Contact Information:

  • Data Protection Officer: dpo@geekcash.ph
  • Privacy Inquiries: privacy@geekcash.ph
  • Address: 26th Floor, The Enterprise Center, Ayala Avenue, Makati City, Philippines 1226

2. Information We Collect

2.1 Personal Information You Provide

  • Account Information: Name, email address, phone number, date of birth
  • Financial Profile: Income range, employment status, financial goals (voluntarily provided)
  • Communication Data: Messages, feedback, and support inquiries
  • Survey Responses: Opinions and preferences in optional surveys

2.2 Information Automatically Collected

  • Device Information: IP address, browser type, operating system, device identifiers
  • Usage Data: Pages visited, time spent on Platform, click patterns, search queries
  • Location Data: General location based on IP address (not precise geolocation)
  • Cookies and Tracking: Information collected through cookies and similar technologies

2.3 Information from Third Parties

  • Social Media: Information from social media platforms if you connect your accounts
  • Financial Institutions: Application status and outcomes (with your consent)
  • Public Sources: Publicly available information relevant to our services

3. How We Use Your Information

3.1 Primary Purposes

  • Service Provision: Providing financial product comparisons and recommendations
  • Account Management: Creating and maintaining your account
  • Personalization: Customizing content and recommendations based on your preferences
  • Communication: Sending important updates, newsletters, and promotional materials (with consent)

3.2 Secondary Purposes

  • Platform Improvement: Analyzing usage patterns to enhance our services
  • Research: Conducting market research and financial literacy studies
  • Security: Protecting against fraud, abuse, and security threats
  • Legal Compliance: Fulfilling legal obligations and regulatory requirements

3.3 Legal Basis for Processing

  • Consent: Where you have given explicit consent
  • Contract Performance: To provide services you've requested
  • Legitimate Interest: For business operations and service improvement
  • Legal Obligation: To comply with Philippine laws and regulations

5. Data Security and Protection

5.1 Security Measures

  • Encryption: All data in transit and at rest is encrypted using industry-standard protocols
  • Access Controls: Strict access controls and authentication mechanisms
  • Regular Audits: Periodic security assessments and vulnerability testing
  • Employee Training: Regular privacy and security training for all staff

5.2 Data Retention

  • Active Accounts: Information retained while your account is active
  • Inactive Accounts: Data deleted after 3 years of inactivity
  • Legal Requirements: Some data retained longer as required by law
  • Marketing Data: Retained until you unsubscribe or withdraw consent

5.3 International Transfers

If we transfer your data outside the Philippines, we ensure appropriate safeguards are in place, including:

  • Adequacy decisions by the National Privacy Commission
  • Standard contractual clauses
  • Your explicit consent for the transfer

6. Your Privacy Rights

Under Philippine privacy law, you have the following rights:

6.1 Access and Information

  • Right to be Informed: Know what personal data we collect and how we use it
  • Right of Access: Request access to your personal data we hold

6.2 Control Over Your Data

  • Right to Object: Object to processing of your personal data
  • Right to Portability: Request transfer of your data to another service
  • Right to Rectification: Correct inaccurate or incomplete data
  • Right to Erasure: Request deletion of your personal data

6.3 How to Exercise Your Rights

To exercise any of these rights, contact us at:

  • Email: privacy@geekcash.ph
  • Online: Through your account settings
  • Response Time: We will respond within 30 days

7. Cookies and Tracking Technologies

7.1 Types of Cookies We Use

  • Essential Cookies: Required for basic platform functionality
  • Performance Cookies: Help us understand how you use our Platform
  • Functionality Cookies: Remember your preferences and settings
  • Marketing Cookies: Deliver relevant advertisements (with consent)

7.2 Managing Cookies

  • Browser Settings: You can control cookies through your browser settings
  • Cookie Preferences: Manage cookie preferences in your account
  • Opt-out Links: Disable specific tracking through opt-out mechanisms

For more details, see our Cookie Policy.

8. Children's Privacy

Our Platform is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.

If we discover we have collected information from a child under 18:

  • We will delete the information immediately
  • We will take steps to prevent future collection
  • We will notify parents/guardians if possible

If you believe we have collected information from a child under 18, please contact us immediately at privacy@geekcash.ph.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements.

When we make changes:

  • We will update the "Last Updated" date
  • For material changes, we will provide prominent notice
  • We may send email notifications to registered users
  • Changes become effective 30 days after posting (unless otherwise specified)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

10. Complaints and Dispute Resolution

Internal Resolution

If you have concerns about our privacy practices, please contact us first:

  • Data Protection Officer: dpo@geekcash.ph
  • Privacy Team: privacy@geekcash.ph
  • Phone: +63 917 123 4567

External Complaint Mechanisms

You also have the right to file a complaint with:

  • National Privacy Commission: www.privacy.gov.ph
  • Department of Trade and Industry: For consumer protection issues
  • Bangko Sentral ng Pilipinas: For financial service-related privacy concerns

Privacy Questions or Concerns?

Our Data Protection Officer and privacy team are here to help with any questions about your privacy rights.

📧 Data Protection Officer: dpo@geekcash.ph

🔒 Privacy Inquiries: privacy@geekcash.ph

📞 Phone: +63 917 123 4567

📍 Mailing Address:

Data Protection Officer
Geek Cash Philippines, Inc.
26th Floor, The Enterprise Center
Ayala Avenue, Makati City, Philippines 1226

We are committed to protecting your privacy and will respond to all inquiries within 30 days.