MayPera's developer, Lucky Shell Fintech Lending Inc.( SEC Registration Number: CS201912995. & Certificate of Authority No.:3055.), respects and protects the privacy of its users. Before users use our APP/platform services, we recommend that you read the specific content of this privacy policy carefully to help you understand where and what information we will collect from your device and how the information will be used.MayPera will collect, store, share, use and protect your personal information in accordance with this Privacy Policy. When you agree to this policy, we consider that you have authorized us to implement the relevant content in accordance with this policy.
When you visit our application/ platform and use our services, in order to improve the quality of our services, we will collect your personal information in the following scope. We take the privacy of our users very seriously, and we can only collect your personal information if you voluntarily submit information to us. If you choose not to submit your personal information to us or subsequently withdraw your consent to our use of your personal information, we may not be able to provide our services to you.
To ensure you can fully utilize our loan services, we may require access to the following permissions or information.
1. SMS
For the purpose of evaluating your credit, make risk management and anti-fraud assessments. MayPera will collect your SMS log, and transmit, store SMS information through our server (https://www.maypera.ph/), which includes: sender, date, and content. The SMS data that is not useful for analyzing financial risks will be filtered and deleted by us and will not be stored. We do not share any contents to others, We strictly adhere to applicable laws. regulations, and privacy policies to ensure the safety of yourpersonal data. You have the right to deny us access to SMS permissions, but this may affect the complete experience of your loan service. And you could go to settings to open and close this permissions at anytime you want.
2. Location
We only collect approximate location information from your device to reduce risks associated with your account and increase data security. All transactions are protected by 128-bit SSL encryption. Data will be uploaded and stored to our server via a secure connection: (https://www.maypera.ph/)
3. Notification Permissions
In order to send users important information, reminders, updates, and other content, we require access to notification permissions. Users have the freedom to choose whether to allow push notifications. If a user declines authorization, the app will still function normally; however, these users will not receive push notifications.
4. Camera
We request access to your camera, which allows you to take photos of your ID and face and upload them to our platform to complete the necessary KYC (Know Your Customer) verification process for loan services. We do not have access to photos or videos stored on your device. Camera access requires your consent, and if permission is not granted, you will not be able to take or update images.
5. Emergency Contacts
We only collect the information of your 2 emergency contacts, including relationship, name, and phone number. This information used solely for verifying the borrower’s identity, assessing eligibility, and analyzing risks and fraud prevention. You can choose how to provide this information to us:
a. Manually entering the contact details
b. Automatically selecting contacts from contact list
The automatic option is a convenient method that allows you to select specific contacts from your contacts and quickly upload their information into our app. It is important to note that this method only collects the information of the contacts you explicitly choose and does not access your entire contact list. We will never share your data with any third parties without your permission. Your data will be securely transmitted and stored on our servers via an HTTPS connection method.
6. Specific installed apps
We collect information about the applications installed on your device, but only transmit and store data related to specified financial apps. We collect data includes: wheter it is a built-in system application, app name, version code, first install time, and last update time. These data will be used to identify and analyze behavioral risks, helping us to prevent fraud actins and protect the security of our accounts and funds. We do not transmit or store any data related to non-financial apps.
Normal permissions
1. ACCESS_WIFI_STATE
By using this permission, Maypera may collect your Wi-Fi address for risk assessment and to identify unusual behavior.
2. ACCESS_NETWORK_STATE
By using this permission, Maypera may collect your network information, including network address, connection status, and connection type. This helps us preventing data loss or processing delays due to network interruptions, and it can also be used for risk assessment and to identify unusual network behavior.
3. AD_ID
By using this permission, Maypera may collect your Google Advertising ID (GAID) to analyze advertising data and optimize your advertising experience. If you wish to disable this permission, you can turn it off from "Personalized Ads" in your device settings.
After your registration, we process, collect, store, use and disclose some of the information you provide for the following purposes (including but not limited to):
(1) Personal Information provide by users:
Full name, gender, date of birth, ID card information, phone number, email address, Facebook account, address details, emergency contacts, education level, religious information, job information, monthly income, borrower's e-wallet/bank account information.
(2) Purpose/Use
a. Used for identity verification, comparison of information, and verification with third parties to ensure the accuracy of the information.
b. To monitor, detect, analyze and prevent actual or suspected crimes, fraud, and business risks.
c. Develop, enhance and maintain risk control assessment processes and models.
d. To notify you about offers, products, services and updates.
e. Resolving complaints and processing requests
f. Customize your experience; improve our services; measure consumer interest and satisfaction with our products and services.
g. Disclose your data in order to meet legal and regulatory requirements.
In the due course of using our services, we may collect information about you from a limited number of third parties such as credit bureaus and other identity verification and fraud prevention services. This information we collect from such third party sources is governed by your privacy policies agreed with those sources and with your express consent. MayPera will never share data to the third party without your permission. It will only collect under your consent. The data will transfer and upload over a secure connection(https). We use this data to create your profile, assess your credit-worthiness and prevent loan fraud, so that we can provide you with the best available services.
MayPera is committed to protecting the security of your personal information. All transaction data is protected by 128-bit SSL encryption. Data will be uploaded and stored to our server via a secure connection: (https://www.maypera.ph/). We periodically review this Privacy Policy and ensure that we process your information in a manner consistent with this policy. We will collect and use customer data to a minimum. In order to ensure the security of information and protect it from any form of fraud, we strive to maintain and restrict access to data through the latest technological means, physical forms and other measures, so that your data will not be damaged or lost. Whether submitted directly by users when registering for an account or personal information we collect in accordance with this Privacy Policy. To ensure the security of your data, we will not share customer information with any third parties unless we inform the customer in advance through disclosure or agreement, obtain the customer's permission, or are compelled by law. We only grant access to personal information to employees who need it for processing. Anyone with this access is subject to strict contractual confidentiality obligations, and if they fail to meet these obligations, they may be subject to disciplinary action or dismissal.
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing my Service, the time and date of your use of the Service, and other statistics.
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory. This Service does not use these “cookies” explicitly. However, the app may use third-party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
We may employ third-party companies and individuals due to the following reasons:
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.
We want to inform users of this Service that these third parties have access to their Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose. Link to the privacy policy of third-party service providers used by the app:
Google Play Services
AdMob
Google Analytics for Firebase
Firebase Crashlytics
Facebook
Our platform intends to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the internet. We also require that our registered third party service providers protect such information from unauthorized access, use and disclosure. Our Platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) based encryption, for the transmission of the information. We blend security at multiple steps within our products with the state of the art technology to ensure our systems maintain strong security measures.
We work hard to protect from unauthorized access, alteration, disclosure or destruction of information we hold, including:
a. We use encryption to keep your data private while in transit;
b. We offer security feature like an OTP verification to help you protect your account;
c. We review our information collection, storage, and processing practices, including physical security measures, to prevent unauthorized access to our systems;
d. We restrict access to personal information to our employees, contractors, and agents who need that information in order to process it. Anyone with this access is subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations;
e. Compliance & Cooperation with Regulations and applicable laws;
f. We regularly review this Privacy Policy and make sure that we process your information in ways that comply with it.
g. When we receive formal written complaints, we respond by contacting the person who made the complaint. We work with the appropriate regulatory authorities to resolve any complaints regarding the transfer of your data that we cannot resolve with you directly.
MayPera promises to protect your personal data from unauthorized access, misuse, and disclosure using the right security measures based on the type of data and how we are processing the same. We retain information about you to provide a seamless experience, to contact you in case of support required and about your account, to detect, mitigate, prevent, and investigate fraudulent or illegal activities. We retain your data for as long as necessary to provide you with our services. We may also retain and use your personal information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
In order to protect users privacy and be responsible for user's data, we provide the entrances of account deletion on our APP and website (https://www.maypera.ph/). However you can not be able to use our services after deletion, and the data cannot be recover after deletion. If your order status is applying, disbursing, or unsettled, we will not be abile to provide you with account deletion services, MayPera will continue to retain your account data until you repay your bills with the order settled. For deleted accounts, users can still use the same mobile number to register again. However, to prevent fraud, users could only make re-register 15 days after canceling thier account. If the same mobile number process the deletion more than 3 times, this mobile number is not allowed to be re-registered.
As of Privacy Policy, (hereinafter the "Responsible" or "MayPera", indistinctly), with address at (UNIT 1009 CITYLAND PASONG TAMO TOWER, CHINO ROCES AVENUE, Pio Del Pilar, CITY OF MAKATI, Metro Manila, Philippines) is responsible under the terms of the regulation for the collection, storage, disclosure and use, including access, management, transmit or disposal of your personal data that it collects and, in general, of all the personal data that we collect from our users (hereinafter the “Owner(s)”).
We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.
Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at (https://www.maypera.ph/) .
We reserve the right to modify this policy, which may be changed from time to time. When changes occur, we will update and publish the latest version of this Policy on the Platform. You are advised to read this policy carefully from time to time to stay informed of the latest changes to this privacy policy. If users continue to access and use the platform and services, they are deemed to agree to the changes in this Privacy Policy.
APP name
MayPera
Email address
If you have any questions or suggestions about this Privacy Policy, or need our assistance, please contact us at the following email address: [email protected].
Address
UNIT 1009 CITYLAND PASONG TAMO TOWER, CHINO ROCES AVENUE, Pio Del Pilar, CITY OF MAKATI, Metro Manila, Philippines
Our working hours
Mondays to Fridays 9:00 am to 6:00 pm