MoneyCat Financing Inc. ("MoneyCat" or the "Company") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and safeguard your data when you use our website or mobile application (collectively, the “Platform”). The Platform, owned and operated by MoneyCat, is designed to facilitate Borrowers’ access to MoneyCat’s online lending and financing services.
By taking any of the following affirmative actions, you (“you” or “User”) give your explicit, informed, and irrevocable consent (“Consent”) to the collection, use, processing, storage, sharing, and cross-border transfer of your personal data by MoneyCat Financing Inc., doing business under the names MoneyCat.Ph and One Click Money.Ph, with SEC Registration No. CS201953073 and registered address at Unit 2A, 17th Floor, Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City (“MoneyCat” or the “Company”).
Consent to Personal Data Processing is effective upon any affirmative action listed below. Affirmative actions indicating consent include, but are not limited to:
The Consent applies to the processing of personal data as part of, or in connection with the use of the Platform’s Services, including but not limited to the following documents (collectively, the "Agreement"):
By giving this Consent, you acknowledge and agree that:
The User affirms that they have read, understood, and voluntarily agree to this Consent and the terms of the Agreement. This Consent shall remain valid for the duration of your relationship with MoneyCat and for as long as necessary thereafter, unless withdrawn in writing, subject to applicable legal or regulatory requirements.
For any data privacy inquiries or to exercise your rights under the Data Privacy Act of 2012, you may contact MoneyCat Data Protection Officer at dpo@moneycat.ph. We will acknowledge your concerns and provide an estimated timeframe for resolution.
This Privacy Policy applies to all Users who visit, access, or utilize our mobile application, website, or access our services via platforms like Google Play or Apple’s App Store. It governs the collection, use, storage, processing, disclosure, and security of your personal data.
This Privacy Policy does not apply to third-party websites, applications, or services linked to the Website. You are encouraged to review the privacy policies of such third parties before sharing your personal information.
MoneyCat collects additional information to protect clients and investors from fraud, including:
We gather this information through:
MoneyCat may also collect personal data from:
Employers, telecommunications companies, utility providers, government agencies, credit bureaus, remittance companies, insurance providers, financial service providers, SDK and analytics providers.
The personal information collected may be processed for the following purposes:
MoneyCat is committed to safeguarding your personal information. We will not sell or transfer your personal information to third parties except as necessary to provide our services or as required by applicable law. Clipboard data, installed application data, and social account information will not be sold or shared with third parties except as expressly stated in this Privacy Policy. Any third-party access is strictly limited to what is necessary for legal compliance or the operational requirements of our services.
MoneyCat may share your personal information with its subsidiaries, affiliates, or other entities within its corporate family for purposes including, but not limited to, service provision, compliance, fraud detection, and analytics.
MoneyCat may share personal information with engaged third-party service providers and partners, solely for the purpose of delivering and improving our services, or to comply with legal obligations.The e data shared will be limited to what is required for them to perform their specific functions. The Company ensures that these providers use an individual's information only for the purposes described in this Privacy Agreement. It implements reasonable and appropriate measures to ensure that personal data is protected against unauthorized access, disclosure, or misuse.
Such third parties include, but are not limited to:
You have the right to request information about the third-party service providers the Company uses and the specific data shared with them. They also have the right to access, correct, and request the deletion of their personal data processed by these third parties, subject to applicable laws and regulations. To exercise these rights or for any inquiries regarding the Company's third-party service providers, individuals may contact the Data Protection Officer at dpo@moneycat.ph. The Company is committed to ensuring transparency and protecting privacy when working with third-party service providers.
MoneyCat reserves the right to modify its personal data collection practices at any time. In the event of such changes, you will be notified in advance. Modifications may involve adding, removing, or adjusting the types of personal data collected for identification and service provision. Continued use of our Services following such changes constitutes your consent to the revised data practices.
If you submit personal data on behalf of another individual (e.g., a family member, friend, or employee), you affirm that you have obtained their explicit authorization to do so. By providing such information, you confirm that the individual has been informed about this Privacy Policy and has consented to the processing, storage, and disclosure of their data in accordance with this policy and applicable laws. You agree to indemnify and hold MoneyCat harmless from any liabilities resulting from a failure to obtain such consent.
We reserve the right to suspend, withdraw, or order the blocking, removal, or destruction of your personal data from our systems if we become aware, or reasonably suspect, that the data is:
As a data subject, you have the following rights:
You have the following rights related to your credit information:
Some third-party service providers may be located in jurisdictions outside of the Philippines, where data protection laws may differ. By agreeing to this Privacy Policy, you acknowledge and consent to the potential cross-border transfer of your personal information, subject to applicable data protection regulations. The Company shall implement reasonable safeguards to ensure that the transfer and processing of your data remain secure and legally compliant.
The use of this Website and our Services is strictly intended for individuals who are 18 years old and above. The Company does not knowingly collect, use, process, or store personal information from individuals under the age of 18.
If you are under 18 years old, you are strictly prohibited from submitting personal information (such as name, address, or email) to the Company. If access to the Website or Services is required and involves submitting personal information, a parent or legal guardian must provide consent and act on your behalf
You may review, modify, or request the deletion of your personal information by contacting the Company through the details provided below. If your personal information changes, you must promptly inform the Company using the contact details provided below. The Company reserves the right to verify your identity before processing such requests to ensure data security and compliance with applicable laws
We retain your personal data, registration details, and transaction records with third-party data storage providers for the period necessary to fulfill the purposes outlined in this Privacy Policy or for a period of up to ten (10) years, in adherence to the requirements of the National Privacy Commission and all other applicable laws and regulations. This period includes retention for:
Your personal data will be retained for a period consistent with the standards followed by the applicable industry, as required by law or regulations.
Once the retention period expires, or when retention is no longer allowed or required, your personal data will be securely destroyed in an irretrievable and unusable form. The destruction will adhere to our physical and/or technical information security measures to prevent further processing, unauthorized access, or disclosure of your personal information to any other party or the public.
We will ensure that your personal data is disposed of in a secure manner that prevents any prejudice to your interests or unauthorized disclosure. We reserve the right to take necessary actions if we consider that the removal or cessation of data processing would hamper our ability to fulfill our obligations under applicable laws.
However, we may retain personal data for a longer period if required by law, regulation, or a legal obligation (e.g., anti-money laundering or tax laws) or if retention is necessary to resolve disputes, enforce agreements, or for legitimate business interests.
The security and confidentiality of your personal information are a top priority for the Company. Except as provided in this Privacy Policy, your personal information will not be disclosed to third parties without your explicit consent.
The Company implements reasonable security measures, including but not limited to:
These security measures are regularly updated to align with new technology and industry best practices.
You may access the Company’s Services through mobile devices via mobile applications or mobile-optimized websites. This Privacy Policy applies to all such mobile access, and you agree that your mobile data may be collected, stored, and processed as outlined herein.
When accessing the Website, the Company may use Cookies or similar technologies to enhance your experience. Cookies are small data files stored on your device that help the Company improve website performance and track returning visitors.
You may choose to decline Cookies, except those required for website security or fraud prevention. However, declining Cookies may limit certain functionalities of the Website.
You are strongly advised to keep your account details confidential at all times. The Company shall not be held responsible for any unauthorized access resulting from your negligence.
The Website may contain links to third-party websites not operated by the Company. You acknowledge that:
The Company reserves the right to modify or update this Privacy Policy at any time. Changes shall be effective upon posting on the Website.
Any changes, whether material or not, shall be binding on you upon your continued use of the Services and/or provision of consent by means described herein.
If significant changes are made regarding the collection or use of your personal information, the Company shall make reasonable efforts to notify you, such as through website notifications posted at https://moneycat.ph/page/privacy-policy. Continued use of the Services constitutes acceptance of the updated Privacy Policy.
This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of the Philippines, including the Republic Act No. 10173 (Data Privacy Act of 2012).
Any dispute, controversy, or claim arising from or related to this Privacy Policy, including its interpretation, breach, or termination, shall be exclusively submitted to the proper courts of Makati City, Philippines, to the exclusion of all other venues.
If you believe that your account or personal data has been misused, compromised, or processed without authorization, you may lodge a complaint by contacting:
MoneyCat Financing Inc.
Unit 2A, 17th Floor, Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City
Email: support@moneycat.ph, dpo@moneycat.ph
If you are dissatisfied with the handling of your complaint or believe that your personal data rights have been violated, you may escalate your concerns directly to the National Privacy Commission (NPC) through https://www.privacy.gov.ph.
By providing us with your personal data, you consent to the collection, use, and disclosure of your data as outlined in this Privacy Notice. If you are submitting personal data on behalf of others, you warrant that you have obtained their consent.
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