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PRIVACY POLICY (cackKash)

1. Document Purpose & Legal Basis

Welcome to cackKash, a digital financing platform built to provide secure, efficient, and transparent consumer credit services.

cackKash treats user privacy as a core operational responsibility. This policy describes how we collect, use, store, protect, and delete personal information. Our data practices are guided by the Philippine Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations (IRR), and applicable Google Play developer requirements.

2. Categories of Collected Data

To support automated scoring and credit review, cackKash processes personal information through two main channels:

A. Information You Provide Directly
When you create an account or begin a loan evaluation, you may be asked to provide the following information:

  • Identity & Demographics: full legal name, date of birth, gender, marital status, and education background.
  • Contact Details: verified mobile number, email address, and residential address.
  • Employment & Financial Information: job category, employer name, monthly income range, and selected repayment details, including bank account or electronic wallet information.
  • Identity Documents: clear photographs of government-issued identification cards and the relevant reference numbers.
  • Emergency Contacts / References: limited identity information, such as name, relationship, and phone number, for contacts you choose to provide for verification support.

B. Information from External Sources
With your consent, cackKash may compare your records with credit bureaus, identity verification services, fraud-prevention databases, and other authorized sources to confirm accuracy and reduce fraud risks.

3. Device Permissions & Technical Signals

To keep the Android app stable and secure, cackKash requests access to certain device functions only after you approve the system prompt:

  • Camera Interface (CAMERA): Used only for live identity verification and to capture identity documents. Our systems do not browse or extract existing gallery content, personal images, or storage folders.
  • Contact Selection (Custom UI Protocol): You manually choose up to five (5) contacts from your device to serve as emergency or administrative references. cackKash does not download, copy, or review your full address book.
  • Location Data (ACCESS_FINE_LOCATION): Records GPS and network location points during app use to support service checks, reduce suspicious access, and confirm service activity within the Philippines. Ongoing background location tracking is disabled.
  • Application Metadata Review: Collects limited device metrics such as installed package signatures, version data, and install timestamps. This helps us detect automated abuse, account manipulation, or unauthorized app cloning without reading data inside other apps.
  • Network Status (ACCESS_WIFI_STATE & ACCESS_NETWORK_STATE): Checks carrier status, connection reliability, and IP-related network details to protect data transfer and improve routing.
  • Advertising Identifier (AD_ID): Uses the standard Google Advertising ID to measure acquisition performance and identify abnormal traffic. You may manage or limit this identifier in your Android system settings at any time.

4. SMS INFORMATION

We collect financial-related SMS messages, such as messages related to bank transactions, mobile money, loans, repayments, and other financial activities. We do not collect or use non-financial SMS messages. We use financial-related SMS information to assess your financial profile and creditworthiness, support credit risk assessment, and determine suitable credit terms based on your application and eligibility.

5. Security and Data Transmission

All information handled by cackKash is protected during transmission using standard TLS/SSL encryption. Data is sent only to our secure production environment through verified gateways at https://api.cackkash.com.

After receipt, information is stored in protected cloud systems with firewall controls, intrusion detection tools, and restricted-access rules designed to prevent loss, misuse, or unauthorized changes.

6. Purposes of Processing

cackKash processes information only for legitimate business and service needs, including the following:

  • Risk Assessment: Evaluating financial information to determine loan parameters and update risk models.
  • Identity Verification: Running Know-Your-Customer (KYC) checks to confirm identity and review anti-fraud data.
  • Security Monitoring: Reviewing logs and device signals to prevent malicious activity, automated abuse, and identity misuse.
  • Service Communications: Sending important status updates, transaction notices, and legal notifications through secure channels.
  • Regulatory Compliance: Meeting reporting and recordkeeping obligations required by the Securities and Exchange Commission (SEC), the National Privacy Commission (NPC), and the Anti-Money Laundering Council (AMLC).

7. Sharing and Disclosure

cackKash does not sell, rent, or trade your personal information for marketing purposes. We disclose information only in limited situations:

  1. Legal Requirement: We may provide information to law-enforcement agencies, courts, or government authorities, including the SEC or NPC, when required by a valid legal order or subpoena.
  2. Service Providers: We may share limited data with audited vendors, such as SMS providers, KYC partners, and authorized collection support teams, all under confidentiality obligations.
  3. Credit Reporting: We may submit repayment-related information to credit reporting platforms as required under applicable Philippine financing rules.

8. Retention and Deletion

We retain user records only for as long as needed to perform the contract, settle account records, or satisfy legal retention duties under Philippine law.

You may request permanent deletion by contacting our support team at flyersdaily@gmail.com.

Please note that deletion is permanent and cannot be reversed. If you still have outstanding balances or unresolved payment obligations, deletion may be delayed until those obligations are fully settled and verified.

9. Your Rights

Under the Philippine Data Privacy Act of 2012, you have the following rights regarding your personal information:

  • Right to be Informed: You may ask how your information is collected, used, shared, and stored.
  • Right to Rectification: You may request correction of incomplete, outdated, or inaccurate account information.
  • Right to Object: You may object to certain processing activities, including marketing notices or other non-essential communications.
  • Right to Complaint: You may seek redress or file a complaint with the National Privacy Commission (NPC) if you believe your data was processed improperly.

10. Changes to This Policy

cackKash may update this Privacy Policy from time to time to reflect new legal requirements, platform changes, or security improvements. When this happens, the “Last Updated” date will be revised and notice may be shown in the app or sent through your verified contact details. Continued use of the service means you accept the updated policy.

11. Contact Us

If you have questions about this policy, want to exercise your rights, or need to contact our Data Protection Officer, please use the following channel: