DELCOM SYSTEMS AND SOLUTIONS CORPORATION
Delcom Cash Privacy Policy
Introduction
Delcom Cash is a mobile application dedicated to providing convenient
cash loan services to Philippine users. We understand that the
security of your personal information is of utmost importance. This
Privacy Policy explains how we collect, use, store, share, and protect
your personal information when you download, register, use the Delcom
Cash mobile application (hereinafter referred to as the "App"), or
apply for a loan through the App, as well as the rights you have.
Please read all contents of this policy carefully before using the
App. By using the App, you signify that you have understood and agreed
to the terms of this policy.
1. Service Provider
Lending Entity: Streetcorner Finance Co. Inc
SEC Registration Number: CS201728431
Lending License Number: 1147
Registered Address: U-309 3/F ORTIGAS, BLDG., ORTIGAS AVE., CITY OF
PASIG, SECOND DISTRICT, NATIONAL CAPITAL REGION (NCR)
This App is operated by Streetcorner Finance Co. Inc and provides
loan services.
2. Information We Collect
In order to provide you with loan services, conduct credit
assessments, fulfill legal obligations, and safeguard account
security, we need to collect the following categories of
information:
(1) Information You Voluntarily Provide
- Identity Information: your full name, date of birth, gender, number
and photo of government-issued identification documents (such as
passport, driver's license, UMID, SSS, or PhilSys ID), and your facial
image (used for liveness detection and identity matching).
- Contact Details: your mobile number, email address, residential
address, and the name and phone number of your designated emergency
contact.
- Financial Information: your employment status, monthly income
range, payday, bank account number and bank name, and e-wallet account
details (such as GCash, PayMaya).
(2) Information We Automatically Collect
When you use the App, the system automatically records the following
technical information:
- Device Information: device model, operating system version, unique
device identifiers (such as IMEI, Android ID, IDFA), IP address, and
network operator information.
- List of Installed Applications: we only collect the package names
of applications installed on your device. This information is used
solely for fraud prevention and risk device identification, and will
not be used for any other purposes.
- Location Information: upon your separate authorization, we may
collect your approximate location information (via GPS or network
signals) during your use of the service for risk control and credit
assessment purposes.
3. Purposes of Information Use
We use your personal information for the following lawful
purposes:
- Verify your true identity and complete statutory compliance reviews
for anti-money laundering (AML) and Know Your Customer (KYC).
- Assess your credit status and repayment ability to decide whether
to approve your loan application and to determine the loan amount and
interest rate.
- Process loan approval, disbursement, repayment management, and
account maintenance.
- Send you loan approval results, repayment reminders, system
notifications, and other important service information.
- Detect, prevent, and investigate fraud, money laundering, account
takeover, and other illegal activities.
- Optimize the user experience of the App, improve features and
performance, and perform anonymized data analysis and
statistics.
4. Information Sharing and Disclosure
Delcom Cash solemnly undertakes that we will never sell, rent, or
otherwise trade your personal information to any third party.
5. Use of Third Party SDKs
This App integrates the following third party Software Development
Kits (SDKs) to support core functionalities:
- Adjust SDK: This SDK is used for statistical analysis and marketing
performance tracking, helping us understand user sources and usage
preferences. It may collect anonymized device identifiers, IP
addresses, application installation and interaction event data.
- Liveness Detection SDK: This SDK is used to perform facial liveness
recognition to ensure that the loan application is made by the person
themselves. This SDK only temporarily processes your facial image data
for comparison with ID document photos and does not retain any
biometric templates or original images after verification is
complete.
6. Your Rights
Under the Philippine Data Privacy Act (Republic Act No. 10173), as a
data subject, you have the following rights:
- Right to be Informed: the right to know the specific details of how
your personal information is collected and processed.
- Right of Access: the right to review your personal information held
by us.
- Right to Rectification: the right to request correction of
inaccurate or incomplete personal information.
- Right to Erasure: the right to request deletion of your personal
information when statutory conditions are met.
- Right to Withdraw Consent: the right to withdraw your consent to
data processing at any time.
- Right to Complain: the right to file a complaint with the National
Privacy Commission regarding data processing issues.
To exercise any of the above rights, please contact us through the
contact details provided in Article 9 of this policy.
7. Data Security and Retention
We adopt industry standard security measures to protect your data,
including:
- Transmission encryption (TLS 1.2 and above) to prevent data
interception or tampering during transmission.
- Storage encryption (AES-256 standard) to ensure the security of
data stored on servers.
- Strict access control, granting access only to authorized personnel
on a minimum necessary basis.
- Regular security reviews to assess and improve security protection
levels.
Your personal information will be stored in encrypted form at
https://www.delcomsystems.com. We retain your information only for as
long as necessary to fulfill the purposes described in this
policy.
8. Account Deletion
You have the right to delete your Delcom Cash account at any time.
Deletion methods are as follows:
- In-App Deletion: Log in to the App, go to [Settings] -> [Account
Security] -> [Delete Account], follow the prompts to complete
identity verification and confirm.
- Deletion by Email: Send a deletion request from the email address
you registered with to support@delcomsystems.com, and indicate your
registered mobile number in the email.
Important Notice: You must settle all loan principal, interest, and
all fees before you can delete your account. Once the deletion
operation is completed, it is irreversible. After deletion, we will
delete or anonymize your personal information in accordance with legal
requirements.
9. Protection of Minors
Delcom Cash services are intended only for users who are at least 20
years of age and have full legal capacity. We do not knowingly collect
personal information from minors. If you discover that a minor has
provided us with personal information without parental consent, please
contact us immediately, and we will delete the relevant data promptly
after verification.
10. Privacy Policy Updates
We may amend this Privacy Policy from time to time as necessitated by
changes in laws and regulations or business needs. The updated version
will be published within the App, and the "Last Updated Date" at the
top of the policy will be revised. If material changes are involved,
we will notify you in advance via in-app pop-up or email. Your
continued use of the App after the revisions take effect signifies
your acceptance of the updated Privacy Policy.
11. Contact Us
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@delcomsystems.com
We will respond within fifteen (15) working days after receiving your
request.