— QUICKPERA.PH PRIVACY POLICY —

Welcome to QuickPera.ph. We believe that consumers deserve the utmost respect and highest standards of security when it comes to the privacy and protection of their personal information. This Privacy Policy applies to the QuickPera.ph website owned by WME Phils Corporation (together, “QuickPera.ph”, “we,” “us” or “our.”).
We have prepared this Privacy Policy to explain how we collect, use, protect, and disclose information and data when you use the QuickPera.ph website and services.
If you have questions or complaints regarding our privacy policy or practices, or if you need assistance in exercising any of your choices under this policy, please contact us at support@quickpera.ph (use subject: Privacy).
This policy applies to all current and former QuickPera.ph users. Note that, in order to use our services, you must be 21 years of age or older. IMPORTANT INFORMATION WHEN OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, the law requires us to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

INFORMATION WE COLLECT ABOUT YOU
Information Provided by You

We collect personal information about you that you provide when registering a Borrower and/or Lender account, when applying for a loan as a borrower and other activities you may conduct on the platform. We collect most of this information during the registration and/or application process for borrowers and investors. Additional information may be gathered during your subsequent use of the site, or when we communicate with you via telephone, email or other means.

Certain personal information must be supplied during the investor and/or borrower registration processes in order to meet our legal obligations, verify your identity, determine eligibility for credit, protect against fraud, and complete your transaction. Some examples of information that may be collected are (but not limited to):
Your basic identifying information (for example, your name, address, email, telephone number, and date of birth);

  • Your SSS and/or TIN number;
  • Your employment and income information;
  • Your bank account information;

Any personal information you provide us in connection with any customer service communication (email phone or other means), dispute or complaint.
We gather names and email addresses of people who contact us with questions. We collect this information only for the purpose of responding to inquiries.

INFORMATION COLLECTED FROM THIRD PARTIES

When you check your rate or apply for a loan as a borrower on QuickPera.ph, we will collect information from credit bureaus and other partners to determine your creditworthiness, assess risks related to your potential loan and help lenders determine whether to commit to your loan. We also collect information from credit bureaus after your loan originates in order to assess risks associated with your loan and provide information to investors interested in buying or selling your loan, or to provide you with marketing offers. The following categories of information are generally collected:
Your identifying and application information (for example, your name, address, email, telephone number, date of birth, social security number, and employment information);
Your credit score & history;
Your bank account information and recent transactions;
If you applied for a loan to be used with a merchant or service provider, limited information from that merchant or service provider such as the cost of the goods or service related to your loan;
If you applied for a loan to be used with a merchant or service provider, information related to any dispute you submit regarding the merchant or service provider;
Information Gathered Based on Your Activity on the QuickPera platform
In order to provide services to you, improve our business and maintain records required by law, we collect information about your transactions and activity. For borrowers, this includes your payment history. For lenders, this includes your fund transfers and loans funded to borrowers. For all members, we may collect information about your computer and your visits to www.quickpera.ph such as your IP address, geographical location, browser type, referral source, length of visit, button clicks and page views.
Tracking Technologies
Cookies and Web Beacons. We use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis.
We use cookies when you sign in to your account to keep track of your personal session, help authenticate your account, and detect fraud. Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to our site. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our websites may be limited.
Usage Data & Site Activity.
We also use Local Storage, such as HTML5, to store content information and preferences. Various browsers may offer their own management tools for removing HTML5.
Third Party Technologies.
We may at times partner with third parties to manage our advertising on other sites and evaluate our overall site performance. Our third party partner may use technologies such as cookies to gather information about your activities on our websites and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall site performance.
Do-Not-Track Signals
QuickPera does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.

HOW WE USE YOUR INFORMATION
Processing Your Transaction
If you register as a borrower, we will use your information to facilitate your loan or loan request. This may include:

Generating your borrower profile and processing your loan application;
Assigning you a QuickPera.ph Borrower Rating;
Enabling automatic payments and fund transfers with other financial institutions;
Implementing collection activities as needed;
Communicating with you concerning your account and transactions;
Addressing any disputes you may raise concerning your account;
If you register as Lender, we will use your information to facilitate marketplace investing. This may include:
Generating your Lender profile;
Enabling automatic payments and fund transfers with other financial institutions;
Communicating with you concerning your account and transactions;
Addressing any disputes you may raise concerning your account.
Analysis & Data Optimization

We may also use your information to conduct analyses related to our services and our website. We use this information to improve our services and credit model. We also use this information to improve our websites’ usability and to evaluate the success of particular marketing campaigns and other activities.

Communications: Marketing & Surveys
We may also use your personal information to select you for certain marketing offers, newsletters, surveys and/or requests for feedback regarding your experience. We may use your personal information both to select you for an offer and to communicate that offer to you.
Receipt of these communications is voluntary. If you do not wish to receive these communications please visit the preferences section of your account. You may also contact us at support@quickpera.ph.

HOW YOUR INFORMATION MAY BE SHARED

We may share your personal information with nonaffiliates (companies not related by common ownership or control) and among affiliates (companies related by common ownership or control) in the ways that are described in this privacy policy.
We may share your information with third parties as permitted by law, including but not limited to the following specific ways:
Third Parties and Service Providers. We may use third party service providers and OEM partners to help us conduct our business and marketing activities, such as but not limited to reselling our services, maintaining our files and records, offering customer service, sending marketing communications, or facilitating fund transfers. We may share your information with such companies, which are authorized to use your personal information only as necessary to provide these services. Information may also be shared among affiliates for this purpose where one affiliated company provides services to or on behalf of another affiliated company in connection with your account. We may also share your information and demographic data with third parties for the purpose of advertising products and services.
Potential Lenders. We share borrower information, including your QuickPera Borrower Rating, on an anonymous basis to allow potential lenders to decide whether to commit to your loan. This information is also contained anonymously in loan data files. Although your credit information is displayed, your specific identity or identifying information is never shared with lenders.
Merchants or Service Providers. If you applied for a loan to be used with a merchant or service provider, we may share your information with the merchant or service provider associated with your loan application.
Credit Bureaus. We will share your personal information with credit bureaus to meet our credit reporting obligations.
Affiliates. Our affiliates, including entities covered by this policy and other companies related by common ownership or control may share your information with each other, including information related to your creditworthiness, for purposes of general business analysis or to present targeted marketing offers to you or others. Your rights with respect to this sharing are discussed in the following section.
Legal Requests & Regulatory Requirements. We may also share information to comply with, or to allow investors or potential investors to comply with, any applicable law, regulation, legal process or governmental request; or for the purposes of limiting fraud; or in connection with an audit or the sale of QuickPera.ph to a third party. We will cooperate and share information with law enforcement to the extent we are required to do so by all applicable laws and regulations.
Sharing of Anonymized Data.
We may share aggregated and anonymized data sets including your information with third party business partners, service providers, loan purchasers, potential loan purchasers, and among our affiliates. No personally identifiable information will be included in these data sets.
Consent to information sharing with third party Referral Partners
By accepting this privacy policy, you agree that we may share your information with third party companies and affiliates and that company may use your information for their business purposes, including to market to you.

ADDITIONAL FACTS ABOUT YOUR PERSONAL INFORMATION
How you can change your personal information

You can access the personal information you have provided to us by logging in to the “Settings” page of your account. As a registered user, you can update your password, email, secret question, screen name, address, phone number or bank account information at any time. To change other information, contact us at support@quickpera.ph. We will respond to your request within a reasonable time.
We will retain your information for a minimum of seven years and as long as needed to provide you services, comply with our legal obligation, resolve disputes, conduct analysis, audits, or to enforce our agreements or as otherwise required by law.
How We Secure Your Information
We use significant safeguards and operational controls to protect your personal information, both during transmission and once received. If you have any questions about the security of your information, you can contact us at support@quickpera.ph.
Our servers are equipped with an Extended Validation (EV) Secure Socket Layer (SSL) certificate to ensure that when you connect to our website you can tell that you are actually on our site and that all data entered into the website are transmitted to us in a secure encrypted channel. Once on our system, personal information can only be read or written through defined service access points, the use of which is password-protected. Data security is achieved through technical safeguards that include a combination of firewalls, intrusion detection system, malware detection system, and data loss prevention systems. We also conduct vulnerability scans of applications and systems regularly.
Access to the system is tightly controlled and limited to only those who have a need to access information. Administrative safeguards such as a security awareness program, background checks, and internal information use policy ensure that only trained and trusted staff are permitted to access personal information. Some additional features of our security program include:

Secure Data Center

We store all sensitive financial information in a state-of-the-art, highly secure data center adhering to the highest global standards. We use the latest threat prevention technologies such as network and web application firewalls, VPN, antivirus, Web filtering and antispam technologies.

Session Time-Outs

We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Passwords

At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. You should always choose a password that is difficult for others to guess and change your password frequently.
Additional Steps You Should Take to Ensure the Security of Your Information
We will from time to time send important communications regarding your account via email. You should therefore take steps to secure and restrict access to your email account and change your email account password frequently. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be QuickPera.ph and requesting your login information or other account information. We will never ask for your login information in an email.
When you are finished using our site, you should log out completely, then close the browser window and clear the browser’s cache files. This step is particularly important if you use a computer that is accessed by other people, such as in a public library or Internet café.

Changes to this policy

Any updates to the privacy policy become effective when posted on the websites. If we make any material changes, we will notify you by email or by providing the revised privacy policy in your account on www.quickpera.ph. Your continued use of our services following the update means that you accept our updated privacy policy.
For additional information, or if you have any questions regarding this policy or our privacy practices please submit your questions or comments directly to support@quickpera.ph.