Sunny Peso – Privacy Policy
This Privacy Policy explains how Sunny Peso (“App”) handles your personal data. The App is developed and operated by JHANDSAR LENDING INVESTOR CORP. (SEC No. CS201905436 | License No. 2934) and is authorized by ONLINE LOANS PILIPINAS FINANCING INC. (SEC No. CS201726430 | License No. 1181).
By downloading, accessing, or using the App, you acknowledge that you have read, understood, and agreed to the practices described in this Policy. If you do not agree, please discontinue use of the App immediately.
We follow a data minimization approach. This means:
We only collect information that is necessary to provide our services, meet regulatory obligations, and maintain security.
Each category of data has a specific, legitimate purpose.
We do not collect data that is unrelated to your use of the App or our services.
Information Collected
Full name, mobile number, email address, date of birth
Government-issued identification details (e.g., ID number, ID photos, selfie for verification)
Other information required for account creation, credit evaluation, and loan processing
Purpose of Use
To register and manage your user account
To verify your identity and prevent identity theft
To assess your eligibility for loan products and comply with applicable laws and regulations
Storage and Retention
Personal data is stored on secure, encrypted systems.
Information is kept only for as long as necessary to fulfill the purposes above or as required by law, after which it is securely deleted or anonymized.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
Information Collected
With your consent, the application may access specific text messages related to your financial information within the past 180 days., such as:
Loan and credit-related messages
Credit card or repayment notifications
Payroll or salary deposit notifications
Other financial transaction messages relevant for credit assessment
We do not read or store personal SMS messages that are unrelated to financial or credit evaluation purposes.
Purpose of Use
Account Validation: Confirm that the device and number used to apply for a loan belong to you.
Risk and Credit Assessment: Understand your repayment behavior and financial activity to assess creditworthiness in a fair and automated manner.
Fraud Prevention: Detect abnormal or suspicious usage and reduce the risk of fraudulent applications.
Storage and Security
SMS data used for analysis is securely handled and protected against unauthorized access.
Data is stored only for as long as reasonably necessary for assessment and risk management, in line with regulatory and business requirements.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
Information Collected
In alignment with our data minimization principle, we may access limited information about installed applications on your device, focusing only on selected financial-related apps. The information collected is restricted to:
App name
Installation type (system or user-installed)
Version code
Initial installation time
Last update time
We do not collect any content, messages, passwords, or personal data from those apps, and we do not collect information from unrelated, non-financial apps.
Purpose of Use
Credit Review: Support our understanding of your financial profile and usage of financial services.
Risk Management: Help identify risky or suspicious app environments that may indicate fraudulent behavior or misuse.
Storage and Security
Data is securely stored and used only for credit evaluation, risk control, and fraud prevention.
Access is strictly controlled and limited to authorized personnel and systems.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
Information Collected
Photos or videos captured using your device camera when requested by the App, such as ID photos, selfies for facial verification, or document scans.
Purpose of Use
Identity Confirmation: Match your selfie with your ID document and reduce the risk of impersonation.
Document Verification: Improve the speed and accuracy of the KYC (Know Your Customer) process and loan approval workflow.
Storage and Security
Images and related data are encrypted and stored securely.
They are used only for verification, compliance, and fraud prevention, and retained only as long as necessary for those purposes or legal requirements.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
Information Collected
We may automatically collect certain technical and device-related information, such as:
Device model and brand
Operating system and version
Device identifiers (e.g., IMEI, Android ID, or other device-specific identifiers, as allowed by the platform)
Network information (e.g., network type, basic connectivity status)
Purpose of Use
Security and Fraud Detection: Identify unusual device patterns that may indicate fraudulent activity.
Service Optimization: Ensure compatibility, improve performance, and enhance the stability of the App on different devices.
Troubleshooting: Diagnose technical issues and improve user experience.
Storage and Security
Device information is processed in a secure environment and used only for operational, security, and optimization purposes.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
Information Collected
We collect the emergency contact’s full legal name and mobile number. You may enter this information manually or select specific contacts from your device’s address book. Only the contacts you choose are processed.
Purpose of Use
Emergency contacts help verify your identity, provide backup communication channels for important account notifications, and support fraud prevention and account security.
Storage and Security
Only the selected contact information is stored securely. Any other data accessed during selection is immediately discarded. Emergency contact details are kept only as long as necessary for verification and security purposes.
The data will be securely uploaded to https://api.sunnypeso.com and deleted after evaluation.
By accepting this Privacy Policy and continuing to use the App, you authorize Sunny Peso to process your information for the purposes described above, including but not limited to:
Providing and maintaining loan-related services
Performing credit assessments and automated decision-making in line with regulatory standards
Preventing fraud, misuse, and unauthorized access
Meeting legal and regulatory obligations applicable to licensed lending and financing activities
We do not sell your personal data. Data may be shared with authorized service providers or partners only when necessary to provide services, comply with the law, or protect our legitimate interests, and always under appropriate confidentiality and security obligations.
You may manage or withdraw certain permissions (such as SMS, camera, or app list access) at any time through your device’s system settings.
Please note:
Revoking specific permissions may limit or disable some features of the App, including our ability to evaluate your credit or process your loan application.
If essential permissions are withdrawn, we may be unable to continue providing certain services or approve new loans.
We implement technical and organizational measures to protect your data, including encryption, access controls, and monitoring mechanisms.
Security: We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction.
Retention: Data is retained only for as long as needed to deliver services, comply with regulatory requirements, manage disputes, and enforce our agreements. When data is no longer required, it is securely deleted or irreversibly anonymize.
Subject to applicable laws and regulations, you may have the following rights regarding your personal data:
Right to Access: You may request information about the personal data we hold about you.
Right to Rectification: You may ask us to correct any inaccurate or incomplete information.
Right to Deletion (Where Applicable): You may request deletion of certain personal data when it is no longer necessary for the purposes for which it was collected, or where no legal retention obligation applies.
Right to Withdraw Consent: You may withdraw your consent for specific data processing operations, subject to legal and contractual limitations.
To exercise these rights, please contact us using the email address provided in the Contact Us section below.
The App and its services are intended only for individuals 18 years of age or older.
We do not knowingly collect or process personal data from minors.
If we become aware that a minor has provided personal information without appropriate consent, we will promptly delete such data.
Parents or guardians who believe their child has used the App or provided information without consent should contact us so we can take appropriate action.
We may update or revise this Privacy Policy from time to time to reflect:
Changes in applicable laws or regulatory requirements
Modifications to our services, internal processes, or risk management practices
Enhancements to user experience, security, or transparency
Updated versions of the Policy will be made available within the App. The revised Policy will become effective as soon as it is published.
If you do not agree with any changes, you may stop using the App and, where applicable, request closure of your account and deletion of your data in accordance with legal requirements.
If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal data, you may contact us at:
Email: support@jhandsarlending.com
We will review your inquiry and respond as promptly as reasonably possible in accordance with applicable laws and regulations.