How CrediVanta protects credit profile data.

Information we collect

We may collect personal information you provide directly, including name, date of birth, mobile number, email address, home address, government identification details, selfie or verification images, employment or income details, credit profile information, application records, payment details, support messages, consent records, and documents submitted for review.

We may also collect device and usage information such as IP address, device identifiers, browser or app details, approximate location, activity logs, fraud prevention signals, cookies, and similar technical data used to operate and protect CrediVanta.

How we use information

We use personal information to verify identity, build and assess your credit profile, process applications, prepare offer terms, support disbursement and repayment, maintain account records, communicate service notices, respond to inquiries, prevent fraud, improve our services, and comply with legal or regulatory duties.

We may use your contact details for important account, repayment, privacy, and service updates. Promotional communications, if any, will follow applicable consent and opt-out rules.

Sharing and disclosure

We may share information with authorized service providers, identity verification partners, payment processors, credit information providers where permitted, account servicing or collection partners, professional advisers, regulators, courts, law enforcement, or other parties when required or allowed by law.

We do not sell personal information. Third parties that process data for us are expected to keep it confidential, secure, and limited to authorized purposes.

Cookies and similar technology

CrediVanta may use cookies, analytics, local storage, and similar technologies to run the website, remember settings, measure performance, improve the user experience, and help detect fraud or misuse. You may manage browser cookie settings, but disabling cookies may affect some features.

Storage, security, and retention

We use administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. While no system can guarantee absolute security, we continually review our safeguards.

We keep personal information only for as long as reasonably necessary for the purposes described in this Policy, including account servicing, dispute handling, legal compliance, audit, fraud prevention, and regulatory recordkeeping.

Your privacy rights

Under the Philippine Data Privacy Act of 2012 and its implementing rules, you may have rights to be informed, access your data, request correction, object to certain processing, request deletion or blocking where allowed, withdraw consent where applicable, data portability, file a complaint, and claim damages when available under law.

To exercise your rights, contact us using the details below. We may ask for information needed to verify your identity and process the request.

Third-party links and services

Our website or app may connect to third-party websites, payment channels, verification providers, or support tools. Those services follow their own privacy policies, and you should review them before providing information.

Children

CrediVanta is intended for adults who may legally apply for credit. We do not knowingly collect personal information from children. If you believe a child has provided information, contact us so we can review and address the issue.

Changes to this Policy

We may update this Privacy Policy when our services, legal obligations, or information practices change. Updated versions will be posted on this page with a new effective date when appropriate.

Effective date: June 16, 2026