All users are strongly encouraged to thoroughly review this Privacy Policy. By clicking on options like "Register", "I Accept Cash Fraser's Privacy Policy", "I Agree to My Personal Data Being Collected, Used, Disclosed, Stored, Transmitted, and/or Processed as Described in Cash Fraser's Privacy Policy" on the Cash Fraser registration page, or during the use of our services or access to the platform, you affirm that you have read, understood, and agree to the terms outlined in this Privacy Policy regarding the handling of your personal information.




1. Detailed Introduction to Our Loan Service Affiliate

Loan Provider Profile:
Provider Name: Cashmum Lending Investors Corp.
SEC Registration ID: CS202102336
Certification of Authority: 3413
Customer Support Email: [email protected]
Phone: 9562238157
Address: Unit 25-D, 2nd Floor Zeta II Building 191 Salcedo Street, Legaspi Village, San Lorenzo Makati, Manila, 1227 Philippines




2. Data Retention Policy at Cash Fraser

The policy of Cash Fraser concerning the storage of your Data is to limit the duration of retention to the minimum necessary for accomplishing the goals set forth in sections 2 and 10 of this Privacy Policy. Additionally, we may hold onto your Data for longer periods when: (i) compliance with legal and regulatory mandates necessitates; (ii) lawful permissions exist for extended storage; and (iii) preparations for or defense against legal actions require such retention.




3. Cash Fraser engages in the collection and oversight of:

Identifying particulars such as your legal name and date of birth;
Inputs from your loan application, detailing your financial situation, current employment, purpose for the loan, and mobile device specs;
Communication methods, including your postal address, phone number, and email address;
Borrower-specific information, encompassing SSS numbers, employment history, personal and emergency contacts;
Your mobile device's technical specifications, like device ID, operating system, settings, account details, carrier, and network specifics, as well as display features;
The sources of such information (herein referred to as "Info") include:
Installation of the Cash Fraser software or when expressing interest in a loan service;
Direct dealings with our team, whether through customer service or loan consultations;
Credit reporting agencies that cross-check your Info with external databases for verification or fraud prevention purposes;
Collecting and managing your Info is vital for the provision of Cash Fraser's services or to fulfill legal prerequisites. Collection without your explicit consent only occurs when absolutely necessary.




4. Purpose of Data Collection by Cash Fraser

Assessing eligibility for our services based on financial health and creditworthiness.
Administering and managing your loan, including all transactions, disbursements, and repayments.
Verifying identities and the accuracy of submitted information.
Preventing fraudulent activities and unauthorized service access.
Enhancing and improving our product offerings.
Resolving service-related issues encountered by users.
Ensuring compliance with legal and regulatory requirements for customer identification and anti-money laundering measures.
Sending marketing communications, provided you have not opted out.
Keeping you informed about updates and new services.
Working with credit monitoring and fraud prevention agencies.
Delivering customer support and reaching out via agreed communication methods.

Rationale for Processing Your Data:
Our legitimate interest in offering tailored financial and technological services.
Fulfilling our contractual obligations and responding to your pre-contract inquiries.
Based on your explicit consent for specific processing activities.




5. Privacy and Data Handling Policy at Cash Fraser

Data Management and Sharing Consent

The Borrower authorizes Cash Fraser to use their information for ongoing assessment of creditworthiness and to ascertain eligibility for further financial or consumer services. This includes potential offerings from Cash Fraser or through external services, requiring comprehensive evaluation of the borrower's financial standing.

Cash Fraser is committed to the non-disclosure of personal data, in accordance with applicable laws, except where sharing is necessary for service provision. Limited data sharing for research purposes is conducted under stringent privacy measures, aiming for the anonymization of such data before sharing with research entities.

By engaging with Cash Fraser's services, borrowers permit the sharing of their data under stipulated conditions to:

The Cash Fraser's wide-ranging network, including affiliates and specialized third-party providers, under executive supervision;
Financial intermediaries and institutions, credit agencies, and parties involved in fraud detection, offering essential support services;
Third-party organizations assisting in the collection of outstanding debts or in the provision of technological and cloud services;
Government and regulatory bodies in cases of legal compliance, tax obligations, or significant corporate transitions like mergers or acquisitions;
Other necessary parties, under the premise of legal requirements, agreement enforcement, or ensuring the safety and rights of Cash Fraser and its stakeholders.

Adherence to this policy ensures that Cash Fraser maintains a high standard of privacy and data protection, in line with legal requirements and service enhancement goals.




6. Automated Profiling and Decision-Making at Cash Fraser

Cash Fraser's approach to offering financial services leverages automated profiling to ensure that our offerings align closely with your financial needs and circumstances.

Tailored Financial Solutions: Our system uses sophisticated algorithms to determine your eligibility for loans, focusing on efficiency and accessibility for all customers, irrespective of their financial history.
Identifying and Mitigating Financial Risks: Automated processes play a crucial role in detecting potentially fraudulent activities, employing advanced analytics to safeguard against financial risks.
Rights in the Face of Automated Decisions: Cash Fraser respects your right to understand and challenge decisions made by automated processes. For a human review of any decision affecting your loan application or service eligibility, please reach out to: .



7. User Consent and Authorization for the Cash Fraser

Engaging with the Cash Fraser App constitutes your:

Consent to the provisions of this Privacy Policy;
Authorization for Cash Fraser to collect, employ, disseminate, and handle your Information, potentially encompassing various data categories such as personal, sensitive, and confidential information as distinguished by law, as delineated within this Privacy Policy;
Assurance of the authenticity and accuracy of the Information provided to Cash Fraser;
Permission for Cash Fraser to verify the truthfulness of your Information;
Understanding that Cash Fraser's adherence to legal frameworks may necessitate the sharing of your Information with governmental and regulatory authorities, including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting agencies, among others.




8. Understanding Your Rights with Cash Fraser

Contact us at . for any questions or to assert your rights under data protection law.

Notification and Consent: We commit to informing you about the nature of data we collect, the purposes for its use, our sharing practices, and the rights you hold. Find these details in the Cash Fraser App and within our Privacy Policy.
Access to Information: You are entitled to request access to your data within our custody. Access may be limited in certain circumstances to safeguard the rights of others or adhere to legal prohibitions.
Data Correction: If inaccuracies in your data come to your attention, you may seek corrections, subject to provision of evidence validating the changes.
Deletion of Data: Your right to "be forgotten" allows you to request the erasure of your data when its retention becomes unnecessary.
Processing Restrictions: You may ask for a suspension in data processing if you contest its accuracy or the lawfulness of our processing activities.
Portability of Data: Upon request, we can arrange for your data to be transferred to you or another party in a standardized format, based on your consent or as part of our contractual obligations.
Objection to Processing: You have the right to oppose data processing based on legitimate interests, as outlined in section 2.
Filing Complaints: If you perceive a breach of your data rights, you have the right to complain to the appropriate regulatory authority, including the National Privacy Commission of the Philippines. It's important to understand that in some instances, legal considerations or obligations may prevent us from accommodating your request.


9. Unsubscribing from Advertising and Marketing

If you would like to unsubscribe from any of our marketing, advertising or promotional materials, please send your request to our email address or contact us by phone. Upon receiving your feedback, we will ensure that you are removed from our marketing distribution lists, thereby respecting your preference to no longer receive promotional information.




10. The Effect of Withholding Your Personal Information from Cash Fraser

While providing your personal information to Cash Fraser is not mandatory, choosing not to share this data or withdrawing your consent for its use might restrict our capability to offer you our current or envisaged services. This limitation might necessitate the termination of our service provision to you, as aligned with legal allowances. Furthermore, should there be a legally justifiable reason, such as the need to pursue outstanding debts, we reserve the right to keep your information for as long as necessary to fulfill such obligations, even in instances where you've requested data erasure.




11. Facial Information Use and Protection Protocol

User Agreement on Facial Data Collection for Verification Purposes

In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.

By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.

For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.




12. Contact Information and Policy Updates

For any inquiries or feedback, feel free to email us at: .
We are dedicated to continuously improving our Privacy Policy to better protect and serve you. The current version, effective as of 05-03-2025, is subject to revisions. We encourage you to regularly review this document to stay updated on any changes.