This Privacy Policy forms part of our commitment to safeguarding user personal data for Fund Sprint-Line of Credit. It sets out how we secure and keep your information confidential.
Thank you for choosing Fund Sprint-Line of Credit (the “Application”). We highly value your privacy and are dedicated to safeguarding your personal information. By using the Application, you agree to the collection, use and disclosure of your information as stated in this Privacy Policy. This document explains our data handling practices to deliver secure and stable services.
This Privacy Policy constitutes a legally binding agreement between you and Fund Sprint-Line of Credit, which takes effect once you use our services. It establishes the rules and practices for managing and processing personal data of platform users (“Users”). We understand that you provide certain information to use our services, and we undertake to keep your data confidential and comply with this policy.
We focus on protecting your personal information and maintaining openness about how we collect, use, store, transfer, disclose and dispose of data obtained through our services, platforms and mobile applications.
Personally Identifiable Information
Personally Identifiable Information (PII) denotes data that can identify a specific individual. This includes your name, password, age, marital status, gender, residential address, email address, telephone number, mobile number, income, employment information, financial details, credit data, and photograph, but is not limited to these examples. Furthermore, we categorize both personal information and sensitive personal information, as defined under the Data Privacy Act of 2012, as personally identifiable information.
When you choose to paste content during information submission, we may access your clipboard contents to ensure smooth pasting.
We collect personally identifiable information when you apply for our services or create an account on our mobile applications and online platforms. Such information may be collected through our websites, mobile apps, Point-of-Sale (POS) terminals, or paper application forms.
Mobile Device Data & Mobile App Permissions
Besides the personal data mentioned earlier, Fund Sprint-Line of Credit may also process additional information during your app usage, including device identifiers, location details, call and SMS records, and app activity data such as usage statistics, error logs, performance reports, screen visits and interaction events.
With your prior permission, the app may ask you to enable certain access rights, including App List, GPS location, SMS, device details and app usage statistics. These authorizations are used for fraud detection, account security, and assessing your eligibility for our loan products. We may also request permission to send you push notifications about your account and service updates.
You can review the app’s permission description in your device settings. If you want to adjust or revoke these permissions, you may do so at any time via your device settings. Please be aware that disabling certain permissions may affect the normal operation of security-related functions and lead to an unstable user experience.
All processing of personal information and metadata by the app follows the purposes explained in this privacy policy.
App List
With your explicit consent, we may access and collect your device’s app list to evaluate your credit standing and repayment capacity. This data is mainly used to analyze device security, usage behavior and stability, supporting our fraud prevention and credit risk evaluation processes.
We undertake to process such information in full compliance with relevant laws and regulations, and apply appropriate security safeguards to protect your privacy.
GPS
To ensure the security and authenticity of our credit services, we may collect your GPS location information when needed, with your explicit consent. This data is mainly used for identity and address verification, post-loan risk control, and fraud prevention. We are dedicated to strictly protecting your information and handling it in line with our privacy policy.
SMS
We may access SMS received on your device to maintain the security and compliance of our lending services.
By collecting financial verification messages such as transaction codes (from Fund Sprint or its partner payment providers), we confirm your financial transactions. This data also helps us assess suitable repayment plans, build personalized financial arrangements, adjust installment schedules, and improve fraud prevention measures.
Please note that we only collect finance-related SMS content and solely with your prior consent.
Device Information
With your authorization, we may collect certain device information to ensure account security, complete identity verification, and assess credit risk. This includes device model, OS version, unique identifiers (e.g., IMEI/Android ID/IDFA), network details, and installed app lists—primarily used to detect and prevent fraud, ensure secure transactions, and assist in credit evaluation.
Your device information is only used to enhance your experience and service security. We handle all data in strict accordance with our privacy policy to protect your confidentiality and safety.
App usage information
To deliver secure and improved lending services, the app may collect your app usage data with your explicit permission, for the purposes below:
Enhance Service Quality and Experience
We analyze your usage frequency, interaction behavior, page viewing time, and operation paths to continuously optimize product features, interface layout, and service flow for a more stable user experience.
Fraud Prevention and Risk Management
We review behavioral data to detect abnormal actions such as automated scripts or unusual logins, helping prevent fraud and unauthorized activities to safeguard the platform and user rights.
We only collect data necessary for the above goals. All information is transmitted and stored via encryption. Without your additional consent, we will not use such data for other purposes or disclose it to third parties.
We collect your personal information to deliver a smooth and customised service experience. Your data will be processed in line with the service agreements you have signed with us. The information gathered via our app may be used for the following purposes:
a. Eligibility Assessment: Evaluate your qualification for our loan services, including credit review, scoring, automated application processing and debt management.
b. Account Setup: Create and maintain your personal account on the Fund Sprint-Line of Credit platform.
c.Feature Enablement: Activate, operate and improve the functions and services within the application.
d.Identity Verification: Confirm your identity and validate the information you submit.
e.Fraud Prevention: Identify and stop fraudulent behaviour, money laundering and other unlawful activities.
f.Communications: Send service updates, announcements and promotional content with your consent. We will not share your data with third parties for marketing without your explicit approval.
g.Customer Support: Provide assistance, address inquiries and resolve complaints effectively.
h.Data Analytics: Analyse usage patterns to understand user preferences, allowing us to refine and customise our services accordingly.
We handle your information responsibly and in accordance with this privacy policy to maintain its security and confidentiality.
Your personal information submitted to Fund Sprint-Line of Credit is stored securely on our controlled database. We apply reasonable security safeguards to protect your data, including physical security, device protection, software security, and advanced encryption technologies. These measures are intended to prevent unauthorised access, misuse or disclosure of your information. To benefit from the latest security functions and enhancements, we advise you to keep the app updated to the newest version at all times.
We retain your personal information for different periods—sometimes extended—due to business needs and legal obligations. Key reasons for retention include:
the time needed to provide our services,
(ii) legitimate business purposes,
(iii) supporting legal claims (establishment, exercise, or defense),
(iv) compliance with laws governing Fund Sprint-Line of Credit.
Under Anti-Money Laundering regulations, we must keep transaction and customer records for at least 5 years, even if you request account deletion. This period may extend if your account is involved in ongoing legal matters. Additionally, BIR regulations require us to preserve electronic data, accounting books, and tax-related records for up to 10 years.
Retention duration depends on our relationship length, service provision, legal obligations (noted above), and applicable statutes of limitations.
Once processing purposes are met, retention periods expire, or legal requirements end, we will delete, de-identify, or anonymise your data. If immediate deletion is not possible, we will securely store and isolate it until safe deletion is feasible.
Fund Sprint-Line of Credit is committed to protecting your privacy and will not share your personal data with third parties except as described in this policy and the signed Applicant Consent Form (ACF). As stated in the ACF, we may disclose your information to trusted partners such as government authorities, financial institutions, payment processors and other service providers, but only to the extent necessary to provide the services you have agreed to.
We may also release your personal information when required by court orders or other legal obligations. In the event of restructuring, sale or merger, your data may be transferred to a relevant third party, with user consent obtained where required by applicable laws.
Furthermore, Fund Sprint-Line of Credit may share anonymized or aggregated data with third parties. We ensure such information is processed in a way that individual users cannot be identified from it.
Fund Sprint-Line of Credit does not intentionally collect personal information from persons under the age of 18. We advise parents to remind minors not to disclose personal data through online platforms. If parents have concerns regarding their children’s information, they may reach out to us directly.
Under the Data Privacy Act, you have the following rights: right to information, objection, access, rectification, erasure/blocking, damages, and complaint filing.
If you wish to exercise any of these rights, please contact us. Note that these rights have limitations—we may refuse requests that are overly repetitive, require excessive technical effort, conflict with public interest, violate others’ privacy, or are impractical to fulfill.
The Data Protection Officer of “Fund Sprint-Line of Credit” handles all data privacy–related questions and concerns. You may reach our DPO using the details below:
Email address: support@fundsprint.com
For any questions or complaints about our privacy practices, please contact our DPO directly. We will make reasonable efforts to respond to and resolve all valid inquiries and complaints submitted to us.
You may exercise the following rights with respect to your personal data:
Right to Restrict Data Use or Sharing:You may submit a written request to limit how Fund Sprint-Line of Credit uses or shares your personal information. We will follow your instructions to restrict disclosure unless required by law or for core service operations. Other requests may be approved or declined, and we will inform you of our decision in writing.
Right to Access and Obtain Data Copies:You may review and request a copy of your personal data held by us, subject to applicable exceptions. To exercise this right, submit a written request stating the information you wish to access and your preferred format. We will provide it as requested where possible; if not, we will agree on an alternative format. For electronic records, you may choose electronic or paper copies if no agreement is reached. You may also instruct us to send your data to a designated third party. A reasonable fee may apply to cover costs. We may deny requests if disclosure could cause harm, and you may appeal such decisions.
Right to Confidential Communication:You may request that we send personal information-related communications to a specific address or contact point, such as a designated email or office location. We will comply with all reasonable written requests specifying your preferred communication method.
Right to Amend or Supplement Data:If you believe your personal data is inaccurate or incomplete, you may request corrections by submitting a written explanation. We may decline requests if we do not hold or create the data, if it cannot be viewed, or if we confirm its accuracy. Records of your amendment request will be kept and disclosed if the disputed data is shared in the future.
Right to Revoke Authorization:Your consent is required for Fund Sprint-Line of Credit to collect and process your personal data. You may withdraw such consent at any time, without affecting processing activities already carried out under your original authorization.
Right to Erasure or Blocking:You may request the suspension, restriction, removal, or destruction of your personal data if you can provide valid proof of the following:
a.Your data is incomplete, outdated, false, or unlawfully obtained.
b.It is used for purposes you did not approve.
c.The data is no longer needed for its original collection purpose.
d.You have withdrawn consent or objected, with no overriding legal basis for continued processing.
e.The data is harmful to you, unless permitted by law or freedom of expression.
f.Processing is unlawful.
g.Your rights as a user have been violated by Fund Sprint-Line of Credit or its data processors.
Right to Be Notified of Data Breaches:You have the right to be notified of any personal data breaches as required by law. Fund Sprint-Line of Credit will inform you promptly if your data is compromised, using your provided email address if available.
Right to a Physical or Electronic Copy of This Policy:You have the right to receive a paper copy of this Privacy Policy, even if you previously agreed to electronic delivery, so you remain informed of our legal duties and privacy practices.
Fund Sprint-Line of Credit collects your personal information and stores it in electronic or digital systems. Where reasonably needed to fulfill relevant purposes, we may use or disclose your data under the following circumstances:
Payment Processing:We may use and share your personal information with partner institutions, affiliates, parent companies or vendors to support service-related payment processing.
Payment Reminders:We may use your data to contact you regarding upcoming or overdue payments. If you are unreachable, we may leave messages on your voicemail or with the person answering the call.
Research:Your personal data may be used for research purposes only after review procedures that protect your confidentiality. Researchers may access identifiable information only via such processes or with your written consent. We may also use your records for analytics to generate user trends and demographic reports, which will be fully anonymized to protect privacy.
Marketing:We may use your contact details to inform you of loan-related products, promotions and services from Fund Sprint-Line of Credit, its affiliates or partners that may interest you. We may also contact you to collect feedback, address concerns and resolve service-related issues.
Required by Law:We will use or disclose your personal information as required by applicable laws, limited only to what is necessary to meet legal obligations. This includes reporting abuse or negligence, responding to legal proceedings, and cooperating with authorities. We will also share data with regulatory bodies for audits, inspections and licensing as permitted by law.
Law Enforcement:We may, and are sometimes legally required to, disclose your personal data to law enforcement to identify suspects, fugitives, witnesses or missing persons, and to comply with court orders, warrants or subpoenas.
Other Uses and Disclosures: If Fund Sprint-Line of Credit intends to use or share your personal data for purposes not stated in this Privacy Notice, we will obtain your written consent in advance.