Kyocera Cash is an online loan application dedicated to
providing convenient cash loan services to the Philippine market. In the process of establishing a
service relationship with you, we will collect and process your personal information so that you may use
our services, including applying for loans and using the App. We are committed to protecting your
personal information with a rigorous and responsible approach.
This Privacy Policy details how we collect, use, store,
share, and protect your personal information (including sensitive personal information) when you visit,
register, use the App, or apply for a loan through the App. Please read and understand all contents of
this policy carefully before using our services.
Kyocera Cash is a mobile cash loan application designed
specifically for Philippine users. Through an efficient online process, we provide users with
short-term, small-amount loan solutions. You can complete the entire process from registration, identity
verification, credit assessment, loan application, contract signing, to disbursement and repayment
through this App, enjoying fast and transparent financial services.
Lending Entity: QUARK FINANCING CORP.
SEC Registration Number: CS20200000916
Lending License Number: 1274
Registered Address: Unit 16D 16/F, Petron Mega Plaza, 358
Sen. Gil Puyat Ave., Bel-Air, CITY OF MAKATI, FOURTH DISTRICT, NATIONAL CAPITAL REGION (NCR),
1209
To provide and improve our loan services, fulfill legal
obligations, and safeguard your account and transaction security, we collect the following necessary
information when you create an account, apply for a loan, and use our services:
Identity and Basic Personal Information: Your full name,
date of birth, gender, details of government-issued identification documents (e.g., passport, driver's
license, SSS/UMID/PhilSys ID), and facial biometric information (used for liveness
verification).
Contact Information: Your mobile number, email address. Upon
your explicit authorization, we may access the contact list on your device to set up emergency
contacts.
Financial and Credit Information: Your bank account or
e-wallet information, loan application and repayment records, credit assessment results and
scores.
Device and Operation Information: When you use the App, we
automatically collect your device identifiers (e.g., IMEI, IMSI, IDFA), IP address, operating system
version, application crash logs, browsing and click records.
Location Information: Upon your separate authorization, we
may obtain your approximate or precise location information (via GPS or network signals) for risk
control purposes.
We collect the above information primarily for the following
lawful purposes:
- Verify your identity and complete "Know Your Customer"
(KYC) and anti-money laundering (AML) compliance reviews.
- Assess your credit status, repayment ability and
willingness, in order to evaluate your loan eligibility.
- Create and manage your account, process loan disbursement,
deduction and repayment matters.
- Communicate with you as necessary for business purposes
and send important notifications.
- Conduct risk assessment and anti-fraud monitoring to
protect your account and fund security.
- Optimize application performance, improve user experience,
and perform anonymized statistical analysis.
For the purposes stated above, your information will be
processed and transferred within the following scope:
Your Rights:
Under applicable Philippine laws, you have the following
rights:
- Right of Access and Rectification: You have the right to
inquire about your personal information held by us and to correct any inaccurate or incomplete
parts.
- Right to Erasure: Under certain conditions, you may
request that we delete your personal information.
- Right to Withdraw Consent: You may withdraw your consent
to the collection, use, or sharing of your personal information through device permission settings or by
contacting us. However, withdrawal of consent may affect your ability to continue using some or all of
our services.
- Right to Object to Processing: You have the right to
object to certain processing activities carried out based on our legitimate interests.
- Right to Delete Account: You may apply to delete your
Kyocera Cash account.
Your Obligations:
- You guarantee that all personal information provided to
the App is true, accurate, current, and complete. Providing false information may result in rejection of
your loan application or constitute fraud.
- You shall properly safeguard your personal account,
password, and verification codes, and shall be responsible for all operations conducted under your
account.
To ensure core functionality and secure operation of the
App, we have integrated the following third party SDKs:
Adjust SDK
- Purpose: advertising performance tracking and analysis,
helping us optimize marketing strategies.
- Information that may be collected: anonymized device
identifiers, IP address, application installation and interaction events.
Advance SDK (Liveness Verification)
- Purpose: used for facial liveness detection and identity
matching, a critical security step for verifying applicant identity and preventing fraud.
- Information that may be collected: facial images captured
for verification (usually processed as encrypted feature values), device information.
If you decide to stop using our services, you may apply to
delete your account. After deletion, you will no longer be able to log in or use the App.
Deletion Process:
1. Log in to the Kyocera Cash App and go to [Profile] or
[Settings].
2. Find [Account & Security] or [Privacy
Settings].
3. Select [Delete Account] and follow the prompts to
complete identity verification and confirmation.
Important Notice: Account deletion is irreversible. Please
ensure that all loan principal, interest, and related fees have been fully settled before deletion.
After deletion, we will delete or anonymize your personal information.
If you have any questions, comments, or complaints regarding
this Privacy Policy, or wish to exercise your personal information rights, please contact us
through:
Email: support@kyoceracircuit.com
We will respond within fifteen (15) working days after
receiving your request.
We may revise this Privacy Policy from time to time. Any
updates will be published as a new version within the App and notified to you through appropriate means
(e.g., in-app notification). The updated policy takes effect on the date of publication, and we
recommend that you review it periodically.
