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Please make sure you review, understand, and agree with the following terms and conditions.
Client Information
All information that you will share to Easycash is correct and up-to-date.
I declare and certify that all data and information stated in this application and the supportive documents are true, accurate and complete and are made for the purpose of obtaining loan/credit.
Data Collection
Necessary information will be gathered to process your loan application.
I authorize Easycash Lending Company Inc. to obtain and or verify all information that are required to support this application and that the institutions/persons from which Easycash Lending Company Inc. may perform such acts are authorized to provide any information relative to this application for the purpose of establishing my credit worthiness.
Bank Data and Credit Reports Gathering
Your bank data and credit information will be obtained from CIC for the purpose of establishing your creditworthiness.
I understand and I am fully informed that Easycash Lending Company Inc. will process all the information that I will disclose in my loan application and share the same information to CIC pursuant to Republic Act (R.A.) Number 9510 and its Implementing Rules and Regulations (IRR), creating the Credit Information Corporation (CIC). Easycash is mandated to submit my data, as well as any regular updates or corrections thereof, to the CIC for consolidation and disclosure as may be authorized by the CIC.
Sharing your Information with Banks and other Financial Institutions
Easycash will share your information to credit bureaus, banks, financial institutions and other related entities.
I understand that my basic credit data may be shared with other lenders, financial and banking among other institutions authorized by the CIC, and other duly accredited credit reporting agencies in accordance with Republic Act (R.A.) Number 9510 and its Implementing Rules and Regulations (IRR), creating the Credit Information Corporation (CIC). I therefore authorize Easycash Lending Company Inc. to disclose and share all data and information I disclosed and indicated in my loan application together with particulars of my data and account(s) with Credit Information Corporation (CIC), accredited credit bureaus, banks, financial institutions and other related entities.
Loan Processing
Easycash will regularly review your information.
I allow Easycash Lending Company Inc. to conduct reviews that may entail any above stated acts to determine if my existing loan/credit should be increased, decreased or remain unchanged or for the purpose of collecting my updated information.
Loan Decision
I understand that Easycash Lending Company Inc. has the right to approve or decline my application at its absolute discretion without stating any reasons.
Loan Application and Support Documents
Any documents obtained will not be returned to you whatever the application result may be.
I understand that Easycash Lending Company Inc. has full discretion of not returning my application and supportive documents whether my loan is approved or declined.
Notifications and Announcements
You will receive notifications about your loans and announcements through email, SMS, calls, and/or any electronic means.
I authorize Easycash Lending Company Inc. to send me messages, notices and announcements that Easycash Lending Company Inc. may deem proper including but not limited to information regarding the status of my loan application or for the purposes of collection, marketing, and product introduction through direct contact and or access through any electronic means including but not limited to use of telephone calls, emails, fax, multimedia or short message service, pre-recorded voice/video messages. I also agree to hold EasycashLending Company Inc. not liable to any loss, injury or damage that I may suffer in relation to any message, notice, announcement sent by Easycash Lending Company Inc. to me in the format stated herein.
Approved Loan Proceeds
Approved loan proceeds will only be used to the purpose stated.
I further certify that the proceeds of the loan/credit, if this application is approved, will be used solely for the purpose I indicated herewith.
I/We know and understand that Easycash Lending Company, Inc. (“Easycash”) is a Filipino corporation organized and existing under the laws of the Philippines and registered with the Securities and Exchange Commission with the primary objective of providing loans, credit or any other financial accommodation to deserving individuals and businesses.
I/We understand and are fully informed that pursuant to Republic Act (R.A.) Number 9510 and its Implementing Rules and Regulations (IRR), creating the Credit Information Corporation (CIC), Easycash is mandated to submit my/our basic credit data (as defined in RA No. 9510 and its IRR), as well as any regular updates or corrections thereof, to the CIC for consolidation and disclosure as may be authorized by the CIC. Consequently, my/our basic credit data may thus be shared with other lenders, financial and banking institutions authorized by the CIC, and other credit reporting agencies duly accredited by the CIC, for the purpose of establishing my/our creditworthiness. I/We thus hereby acknowledge, agree, authorize and confirm the following:
The regular submission and disclosure of my/our basic credit data (as defined under Republic Act No. 9510 and its Implementing Rules and Regulations) to the Credit Information Corporation (CIC) as well as any updates or corrections thereof;
The sharing of my/our basic credit data with other lenders authorized by the CIC, and credit reporting agencies duly accredited by the CIC.
By signing this consent form, I/We (as “Data Subject/s”) grant my/our free, voluntary and unconditional consent to the collection and processing of all Personal Data (as defined below), and account or transaction information or records (collectively, the "Information") relating to me/us disclosed/transmitted by me/us in person or by my/our authorized agent/representative/s to the information database system of Easycash Lending Company, Inc. and/or any of its authorized agent/s or representative/s as Information controller, by whatever means in accordance with Republic Act (R.A.) 10173, otherwise known as the “Data Privacy Act of 2012” of the Republic of the Philippines, including its Implementing Rules and Regulations (IRR) as well as all other guidelines and issuances by the National Privacy Commission (NPC).
I/we understand that my/our “Personal Data” means any information, whether recorded in a material form or not,
(a) from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information, or when put together with other information would directly and certainly identify an individual,
(b) about an individual’s race, ethnic origin, marital status, age, color, gender, health, education and religious and/or political affiliations,
(c) referring to any proceeding for any offense committed or alleged to have been committed by such individual, the disposal of such proceedings, or the sentence of any court in such proceedings, and
(d) issued by government agencies peculiar to an individual which includes, but not limited to, social security numbers and licenses.
I/we understand, further, that Easycash Lending Company, Inc. shall keep the Personal Data and Information and the business and/or transaction/s that I/We do with Easycash (the “Business”) in strict confidence, and that the collection and processing of all Personal Data and/or Information by Easycash may be used for any of the following purposes (collectively, the “Purposes”):
(a) to make decisions relating to the establishment, maintenance or termination of accounts and the establishment, provision or continuation of loan/credit facilities or financial products and/or services including, but not limited to, loan, mortgage and/or other secured transactions, and otherwise maintaining accurate "Know Your Customer (KYC)" information and conducting anti-money laundering and sanctions, credit and background checks;
(b) to provide, operate, process and administer Easycash accounts and services or to process applications for Easycash loan, credit and financing accounts, products and/or services, including financial transactions such as loan, credit/financial facilities, subscription or proposed subscription of products or services (whether offered or issued by Easycash or otherwise), as well as for payment collection purposes of above stated Easycash products and services, and to maintain service quality and train staff;
(c) to undertake activities related to the provision of the Easycash accounts and services including but not limited to payment collection purposes and activities for said Easycash products and services, transaction authorization, statement printing and distribution, customer service and conduct of surveys, the provision of research reports, offering documents, product profiles, portfolio and account reviews, customer profiling, term sheets or other product-related materials, administration of rewards and loyalty programs;
(d) to provide product-related services and support, including, without limitation, provision of processing or administrative support or acting as an intermediary / nominee shareholder / agent / broker / market participant / counterparty in connection with participation in various products (whether such products are offered or issued by Easycash, its affiliates, third parties or through other intermediaries, providers or distributors);
(e) to fulfill domestic and foreign legal, regulatory, governmental, tax, law enforcement and compliance requirements including Philippine and/or foreign anti-money laundering, sanctions and tax obligations applicable to Easycash and any of its affiliates and subsidiaries, and disclosure to any domestic or foreign market exchange, court, tribunal, and/or legal, regulatory, governmental, tax and law enforcement authority (each, an "Authority") pursuant to relevant guidelines, regulations, orders, guidance or requests from the Authority and comply with any treaty or agreement with or between foreign and domestic Authorities applicable to Easycash and/or and any of its affiliates and subsidiaries, their agents or providers;
(f) to verify the identity or authority of my/our family members, friends, beneficiaries, attorneys, attorneys-in-fact, shareholders, beneficial owners (if relevant), persons under any trust, trustees, partners, committee members, directors, officers or authorized signatories, sureties, guarantors, other security and other individuals, representatives who contact Easycash or may be contacted by Easycash (collectively, the “Related Person/s”) and to carry out or respond to requests, questions or instructions from verified representatives or other parties pursuant to Easycash's then current security procedures;
(g) for risk assessment, statistical and trend analysis and planning purposes, carry out data processing, statistical, loan, credit, risk and anti-money laundering and sanctions analyses, creating and maintaining credit scoring models, and otherwise ensuring potential or ongoing credit worthiness of Data Subjects and Related Person/s, including conducting loan, credit, financial and other background checks and reviews, and maintaining loan, credit and financial history of individuals (whether or not there exists any direct relationship between the Data Subject or Related Person/s, and Easycash) and creating and maintaining business development plans and activities for present and future reference;
(h) to monitor and record calls and electronic communications with Data Subject/s and Related Person/s for record-keeping, quality assurance, customer service, training, investigation, litigation and fraud prevention purposes;
(i) for crime and fraud detection, prevention, investigation and prosecution;
(j) to enforce (including without limitation collecting amounts outstanding) or defend the rights of Easycash and/or any of its affiliates and subsidiaries, its employees, officers and directors, contractual or otherwise;
(k) to perform internal management and management reporting, to operate control and management information systems, and to carry out business risk, control or compliance review or testing, internal audits or enable the conduct of external audits;
(l) to enable an actual or proposed assignee of Easycash, or participant or sub-participant or transferee of Easycash's rights in respect of the Data Subject to evaluate or consummate a transaction intended to be the subject of the assignment, transfer, participation or sub-participation;
(m) to comply with contractual arrangements or to support initiatives, projects and programs by or between financial industry self-regulatory organizations, financial industry bodies, associations of financial services providers or other financial institutions (each, an "Industry Organization"), including assisting other financial institutions to conduct background or credit checks or collect debts;
(n) to manage Easycash's relationship with the Data Subject, which may include providing information about the Data Subject or a Related Person/s, to Easycash and any of its affiliates and subsidiaries;
(o) for marketing to me/us and to individuals with similar profiles, attributes or behavior, loan, financial, credit, and mortgage among other related products or services, conducting market, product and service research, and designing or refining any products or services including by conducting data analysis, and surveys, by various modes of communication including mail, telephone call, SMS, fax, electronic mail, internet, mobile, social media, chat, biometric, and other technological tools and development;
(p) to comply with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within Easycash and any of its affiliates and subsidiaries, and any other use of data and information in accordance with any Easycash programs for compliance with tax, sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; and,
(q) any other transactions and/or purposes analogous or relating directly thereto.
At the same time, I/We agree that the Information shall be retained by Easycash for as long as necessary for the fulfillment of any of the aforementioned Purposes, and shall continue to be retained for a period of up to two (2) years notwithstanding the termination of any of the above Purposes.
Further, I/we understand that, with respect to my/our submission, collection and processing of the Personal Data of Related Person/s, it is my/our duty and responsibility:
(i) to inform said Related Person/s of the Purpose/s for which his/their Personal Data have been submitted, collected and processed by Easycash,
(ii) to obtain consent from the said Related Person/s for the collection and processing of his/their Personal Data/Information in accordance with the Data Privacy Act of 2012, and
(iii) to inform Easycash that such consent from said Related Person/s have been obtained.
I/We hereby acknowledge that I/We have been provided with the written notification below on my/our rights as a Data Subject (each, a “Right”, collectively, the “Rights”) in accordance with the Data Privacy Act of 2012, to wit:
(i) to be informed whether Information and/or Personal Data is being or has been processed.
(ii) to require Easycash to correct any Information and/or Personal Data relating to the Data Subject which is inaccurate;
(iii) to object to the processing of the Information and/or Personal Data in case of changes or amendments to the Information and/or Personal Data supplied or declared to the Data Subject;
(iv) to access the Information and/or Personal Data;
(v) to suspend, withdraw or order the blocking, removal or destruction of the Data Subject's Personal Data from Easycash's information database system.
I/we acknowledge, further, that if I/we was/were to exercise any of the Rights enumerated above, Easycash reserves its right to re-evaluate and/or terminate its Business with me/us as well as any of the Purposes and/or Easycash services/products for which the Information and/or Personal Data has been collected and processed.
I/We have read and understood the above and hereby consent to, agree on, accept and acknowledge these terms of consent for myself/ourselves and/or as agent/s for and on behalf of the principal/s I/we represent by signing below.
ADDITIONAL INFORMATION:
For inquiries or complaints, you may contact the Easycash Lending Company, Inc. (Easycash), Attention to: the Easycash Data Privacy and Protection Officer through dataprivacyofficer@easycash.ph or to Easycash Lending Company, Inc., 8F Times Plaza Building, United Nations Ave., Ermita, Manila, or through Telephone No. (02) 8-3538524 to 25.