Quick Pera Privacy Policy

Effective Date: March 20, 2025

Updated Date: March 27, 2025

Quick Pera values your privacy and has formulated this policy to explain how we collect, use, store, and share your personal information. Please read this policy carefully before using the Quick Pera application. This policy applies to your use of the Quick Pera mobile application (hereinafter referred to as the "Quick Pera App") and your use of our services through this app or other means.

About Quick Pera Developer and Operator Details

BAYVIEW TECHNOLOGIES, INC., as the developer and operator of Quick Pera, plays a vital role in the field of financial technology. The company has legal and compliant operating qualifications. Its registration number with the Securities and Exchange Commission is CS202001294. Its office address is 43rd Floor Yuchengco Tower RCBC Plaza, 6819 Ayala Avenue corner Gil Puyat Avenue, Makati, Metro Manila, 1200 Philippines. Since the launch of the Quick Pera project, the company has been responsible for the entire process from product conception, design, development to subsequent promotion and operation in major app stores. With a professional technical team and rich experience in the financial industry, BAYVIEW TECHNOLOGIES, INC. continues to optimize the functions and services of Quick Pera, and is committed to providing users with a safe, convenient and efficient loan experience, promoting the platform's steady development in the highly competitive financial market, and becoming a trusted financial service partner for users.

About Quick Pera Lender Detail

The loan services provided by Quick Pera App are authorized by LF LENDING SERVICES CORPORATION, LF LENDING SERVICES CORPORATION is a lending institution approved by the Securities and Exchange Commission of the Philippines and subject to the authorization and supervision of the Securities and Exchange Commission of the Philippines under SEC Registration No. CS202001294 and Certificate of Authorization No. 3225.

I. Types of Data Collected

  1. Identity Verification Data: The first name, last name, date of birth, and place of birth you provide when registering and applying for a loan are used to confirm your identity and establish a user profile.
  2. Loan Application Data: Information such as income, employment, loan purpose, and mobile device information provided when applying for a loan helps assess your repayment ability and loan needs.
  3. Contact Information: Address, phone number, alternative phone number, and email address are used for loan - related communication, such as notifying loan approval results and repayment reminders.
  4. Mobile Device Data: SIM card information, device identifiers such as IMEI code, device type, system, settings, account information, network information, etc. are used to optimize the application's operation, ensure security, and prevent fraud.
  5. Location Data: Mobile device location and time zone settings are used to confirm the service coverage area and provide adapted services.
  6. Transaction and Financial Information: Loan, transfer, payment records, loan application, and tax information are used to manage the loan process and ensure compliance.
  7. Application Usage Data: Traffic, usage frequency, and operation records are used to analyze user habits and optimize application services.
  8. Communication Data: Data generated from communicating with us through in - app emails, phone calls, etc. is used to improve customer service quality.

II. Data Collection Methods

  1. Voluntary Provision by Users: Information voluntarily filled in or shared during registration, loan application, and communication with customer service.
  2. Collection from Mobile Devices: With your authorization, device, location, transaction, application usage, and mobile phone data are collected from the mobile device.
  3. Credit and Third - Party Institutions: With legal permission and your consent, relevant data is obtained from credit reference institutions and third - party partners.

III. Purposes of Data Use

  1. Service Evaluation and Provision: Evaluate loan eligibility and provide services such as loan application processing, fund disbursement, and repayment management.
  2. Identity and Information Verification: Verify identity and the authenticity of information to prevent fraud and protect the interests of the platform and users.
  3. Risk Prevention and Compliance: Detect and combat illegal activities to ensure that the business complies with Philippine regulations.
  4. Service Optimization and Analysis: Analyze user behavior to optimize application functions and improve service quality.
  5. Marketing and Service Updates: Send marketing information and service update notifications when compliant and with your non - objection.
  6. Customer Support and Training: Provide customer service and use for employee training to improve service levels.
  7. Third - Party Interaction: Interact with credit reference institutions and other third - parties to obtain or provide compliant information.

IV. Data Sharing Principles

  1. Limited Sharing: Share information with third - parties only when necessary and with your consent (except as otherwise provided by law), such as sharing with financial institutions for fund disbursement and debt collection agencies.
  2. Legal and Compliant: Data sharing complies with Philippine data privacy laws and other regulations. Select compliant third - parties and clarify data protection responsibilities in cooperation agreements.

V. Data Storage and Security

  1. Storage Period: Determine the storage period according to Philippine laws and business needs. Store data during the business relationship and for a reasonable period thereafter, and securely delete or anonymize it after the expiration.
  2. Security Measures:

VI. User Rights

  1. Right to Know: You have the right to know how information is processed, its purpose, and scope. We will inform you in a timely manner when collecting key information.
  2. Right of Access: You can view your personal information in the application at any time.
  3. Right to Correction: If you find that the information is incorrect, you can request correction through in - app feedback or by contacting customer service.
  4. Right to Deletion: You can request the deletion of information when it complies with legal regulations, and it will be processed as required after account cancellation.
  5. Right to Withdraw Consent: You can withdraw your consent for data processing based on consent through in - app privacy settings or by contacting customer service. Withdrawal does not affect legal processing before withdrawal.

VII. Policy Updates

The policy may be updated due to changes in laws and regulations, business needs, etc. When updated, a prominent notice will be given in the application, and continued use after the update is deemed acceptance of the new policy.

VIII. Contact Us

If you have any questions, comments, or suggestions regarding the policy or data processing, you can contact us in the following ways: