Privacy Policy

FLIN Financing, the registered trade name of FLIN Financing Corporation (the “Company”), operating under the brand name FLIN, values your privacy and is committed to protecting your personal data in accordance with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 (DPA), its Implementing Rules and Regulations (IRR), and other relevant issuances of the National Privacy Commission (NPC). This Privacy Policy outlines how we collect, use, share, and secure your personal data when you use our website, www.flin.ph (the “Website”), and other services (“Services”). Please read this Privacy Policy along with our Terms and Conditions.

Introduction

This Privacy Policy explains how FLIN collects, uses, and protects your personal data. By accessing our Website or using our Services, you consent to the practices described in this policy.

Information and Data We Collect

FLIN collects personal and financial data to provide and improve our Services. The types of data we collect include:

1. Personal Identification Information: Name, date of birth, citizenship, tax identification number (TIN), and government-issued IDs.
2. Contact Information: Email address, phone number, and Residential address.
3. Financial Information: Employment details, income information, bank account details, transaction history.
4. Outstanding Loan Balance: Credit history, loan type, installment amount, loan purpose, arrears status.
5. Technical Data: IP address, browser type and version, operating system, device information.
6. Usage Data: Information about how you interact with our Website and Services.

Method of collecting data

FLIN collects data through a variety of methods, including:

1. Direct and Indirect Interactions: You provide personal data when filling out forms, registering for our Services, or communicating with us.
2. Automated Technologies: We collect data through cookies, server logs, and similar technologies when you interact with our Website.
3. Face to face meetings and Video Consultations: We collect data through video interviews or face to face meetings.
4. Third Party Sources: We may receive personal data from public databases, credit bureaus, and other third party sources.

Use of Personal Data

FLIN uses your personal data for the following purposes:

1. Provision of Services: To evaluate creditworthiness, facilitate loan processing, and manage our relationship with you.
2. Compliance: To comply with legal obligations, including Anti-Money Laundering (AMLA) requirements as per R.A. 9160.
3. Communications: To send you updates, notifications and marketing communications.
4. Improvement: To improve our Services through data analysis and research.
5. Security: To protect against fraud and ensure the security of our systems.

We process personal data only when there is a lawful basis, including consent, contractual necessity, legal obligation, or legitimate interest, as permitted under applicable data privacy laws.

Data Security

FLIN is committed to protecting your personal data in accordance with ISO 27001 standards and Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 (DPA). We implement a variety of security measures, including:

1. Encryption: Protects data in transit and at rest.
2. Access Control: Restricting access to personal data to authorized personnel only.
3. Routine Audits: Conduct routine security audits and assessments.

Data Breach Notification & Storage Policy

FLIN implements a strict data lifecycle management policy where we retain your personal data only for as long as necessary to fulfill the legal and business purposes for which it was collected. After the retention period ends, we will securely delete or anonymize your data to minimize risk. In the event of a personal data breach despite these safeguards, we will notify you and the NPC in accordance with NPC Circular 16-03.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our Website. You can manage your cookie preferences through your browser settings.

Sharing of Personal Data

FLIN does not sell or rent your personal data. We may share your data under strict and confidential agreements with the following parties:

1. Legal Authority: To comply with legal requirements.
2. Bureaus and Service Providers: To provide and improve our Services.
3. Business Partners: For joint marketing, promotional activities, and activities supporting and facilitating post-disbursement processes in connection with our Services.
4. Professional Advisors: Including lawyers, auditors, and insurance companies.
5. Platform and Lenders: To arrange debts and loans as agreed in the In Principle Agreement (IPA) or Terms and Conditions.

All disclosures are made only for legitimate purposes and subject to appropriate safeguards to protect personal data.

Cross-Border Data Transfer

Your personal data may be transferred to and processed in jurisdictions outside the Philippines. We ensure that such transfers are subject to adequate safeguards and comply with applicable data protection laws.

Your Rights

Depending on your location, you may have the following rights regarding your personal data:

1. Right to be Informed & Access: To know if your data is being processed and request reasonable access.
2. Right to Object & Rectification: To withhold consent or reasonably request correction of inaccurate or incomplete data.
3. Right to Erasure or Blocking: Request the suspension, removal, or destruction of personal information upon sufficient proof that it is inaccurate, outdated, unlawfully obtained, used without authorization, or no longer necessary for its intended purpose.
4. Right to Data Portability: To obtain a copy of your data in a portable format.

Exercising Your Rights

We aim to respond to all requests within 72 (seventy two) business hours, but complex or multiple requests may take longer. For any privacy concerns, security inquiries, or to exercise your rights, please contact care@flin.ph.

Use by Minors

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal data from minors. If you are a minor, please do not use our Services or provide any personal data.

Updates to This Privacy Policy

We may update this Privacy Policy periodically. We encourage you to review it periodically. We will notify you of significant changes via our Website or email before they take effect.

Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us at care@flin.ph.

Jurisdiction-Specific Provisions

FLIN processes personal data in accordance with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 (DPA).