📜 Privacy Policy

🔹 Introduce

“Credora Lend” (“we”, “us” or “our”) is operated by BHANGAL-MANN LENDING CORPORATION. (hereinafter referred to as “Credora Lend”).By using Credora Lend's services, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy. This policy applies to all individuals, legal entities and organizations that use Credora Lend's services.

🏢 About credit information

Lender Information The Credora Lend platform is owned and managed by Kayamo Atlas Lending Corp., a legally registered financial entity in the Philippines, holding the following regulatory certifications:

· Securities and Exchange Commission (SEC) Registration Number: CS201914952

· Certificate of Authority (CA) Number: 3075

· Address: Suite 1804, 88 Corporate Center Salcedo Village Sedeno Street Corner Valero Street Bel-Air Makati, Metro Manila, 1200 Philippines

🔍 1. Information We Collect

• 💰 Personal Information: Name, ID number, contact details, bank account details, for identity verification and loan approval.
• 📱 Device Information: Device model, OS, IP address to ensure security and optimize user experience and loan eligibility assessment..
• 📝 Log Data: Activity records, device interactions for analysis and optimization.

🎯 2. How We Use Your Information

• ✅ Providing loan application, approval, and disbursement services.
• ✅ Verifying identity and securing accounts.
• ✅ Processing payments and sending reminders.
• ✅ Offering personalized recommendations and service enhancements.
• ✅ Compliance verification to prevent fraud and illegal activities.

🔄 3. Information Sharing

• 🔹 We do not sell, rent, or share your data unless:
• 🔹 You provide explicit consent.
• 🔹 Required by law or regulatory authorities.
• 🔹 Necessary for financial service partners (e.g., payment processors, credit evaluators) strictly for loan-related purposes.

🔐 4. Data Storage & Protection

We implement industry-standard security measures to protect your data from unauthorized access, leaks, or damage. Your information is retained only as necessary and deleted or anonymized in compliance with applicable laws.

👤 5. Your Rights

• 📂 Access & Correction: View, update, or correct your personal information in the app.
• 🗑 Data Deletion: Request deletion of your personal data where legally applicable.
• 🔄 Withdraw Consent: You may withdraw consent for certain data processing, which may affect service usage.

🚸 6. Protection of Minors

This application is intended for users aged 18 and above. If we discover that a minor has provided personal information, we will take appropriate steps to delete it.

📢 7. Changes to This Privacy Policy

We may update this policy from time to time. Significant changes will be notified through the app or other appropriate channels.

📞 8. Contact Us

If you have any questions about this Privacy Policy, please contact us:

📧 Email: [email protected]

📍 Address: 69 Mearle Homes Mearle Homes Subdivision Sto. Niño Marikina, Manila, 1800 Philippines Postal code: 1800