Privacy Policy

WebApp

Introduction

GoldwaterCap Financing Corporation (“we”, “us”, or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you use our financing application (“App”). By using our App, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information when you use our App:

1.1 Personal Information

Personal information refers to data that can identify you as an individual. We may collect the following:

Identity Information: Name, date of birth, Social Security System Number (SSS Number), tax identification number, driver’s license, passport, or other government-issued identification.
Contact Information: Email address, mailing address, phone number.
Financial Information: Bank account numbers, credit card details, transaction history, income, and assets.
Login Credentials: Username, password, and security questions/answers.
Employment Information: Employer name, position, and salary.

1.2 Non-Personal Information

Non-personal information includes data that cannot be used to identify you. This includes:

Device Information: Device type, operating system, browser type, IP address, and mobile network.
Usage Information: App usage data, including features used, interactions with content, and session duration.
Location Data: When permitted, we collect geolocation data for fraud prevention and to provide personalized services.

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Account Management

To verify your identity when you register for an account.
To process transactions, loan applications, and payments.
To manage and maintain your financing relationship with us.

2.2 Service Delivery

To provide access to financing services and features within the App.
To improve the functionality and performance of the App.
To offer personalized financial advice and recommendations based on your transaction history.

2.3 Security and Fraud Prevention

To monitor, detect, and prevent suspicious or unauthorized activities.
To secure your account with multi-factor authentication (MFA) and encryption.
To comply with legal obligations and regulations.

2.4 Marketing and Communication

To send you promotional offers, product updates, or newsletters if you have opted in to receive them.
To contact you regarding important updates to your account, changes to our policies, or security alerts.

2.5 Legal Compliance

To comply with applicable laws, regulations, court orders, and government requests.
To enforce our terms and conditions and protect our legal rights.

3. How We Share Your Information

We do not sell your personal information to third parties. However, we may share your information with the following:

3.1 Service Providers

We may share your information with trusted third-party service providers who assist us in operating the App, processing transactions, or delivering services (e.g., cloud storage providers, payment processors, fraud detection services). These providers are bound by strict confidentiality agreements and are only permitted to use your data for specified purposes.

3.2 Affiliates and Partners

We may share your information with our corporate affiliates or partners to offer you co-branded services, financial products, or promotions that may interest you.

3.3 Legal Requirements

We may disclose your personal information to law enforcement, regulators, or other authorities if we are required to do so by law or if we believe such disclosure is necessary to:

Comply with legal obligations.
Protect the rights, property, or safety of our customers, employees, or the public.
Detect or prevent fraud and security breaches.

3.4 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your personal information may be transferred as part of the transaction, provided the new entity continues to adhere to this privacy policy.

4. Data Security

We take the security of your personal information seriously and implement various measures to protect it:

4.1 Encryption

All sensitive data transmitted through the App, including financial and personal information, is encrypted using industry-standard encryption protocols (e.g., TLS/SSL).

4.2 Access Controls

Access to your personal information is restricted to authorized personnel who need the data to provide financing services. Employees and service providers with access to personal data must comply with strict confidentiality obligations.

4.3 Regular Security Audits

We regularly monitor our systems for potential vulnerabilities and conduct penetration testing and audits to ensure the security of your data.

4.4 User Responsibilities

You are responsible for keeping your login credentials confidential. We recommend using strong passwords and enabling two-factor authentication (2FA) to further secure your account.

5. Data Retention

We retain your personal information for as long as necessary to provide you with our services, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required for these purposes, we securely delete or anonymize it.

6. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

6.1 Access and Correction

You have the right to access the personal information we hold about you. You can also request corrections to any inaccurate or incomplete information.

6.2 Deletion

You may request the deletion of your personal information, subject to certain legal obligations or legitimate business needs that may require us to retain it.

6.3 Data Portability

You may request a copy of your personal information in a commonly used format to transfer it to another service provider.

6.4 Marketing Opt-Out

You can opt out of receiving marketing communications from us by following the unsubscribe instructions in any promotional email or by adjusting your communication preferences in the App.

7. Third-Party Links

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites before providing them with your personal information.

8. International Data Transfers

If you are accessing our App from outside your home country, your information may be transferred to, stored in, and processed in a country different from where you reside. By using our services, you consent to such international data transfers in accordance with this Privacy Policy.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. If we make material changes, we will notify you by email or through a prominent notice in the App. Your continued use of the App after such updates constitutes acceptance of the revised Privacy Policy.

10. Contact Us

If you have any questions or concerns regarding this Privacy Policy or our data handling practices, please contact us at:

GoldwaterCap Financing Corporation
Unit 300 No. 7, Onjianco St.,
Sta. Veronica, Guimba, Nueva Ecija
Phone: +63 917 873 3300
Email: [email protected]
Website: www.goldwatercap.net

This Privacy Policy is designed to ensure that your personal information is collected, used, and shared in a secure and transparent manner. We are committed to maintaining the trust you place in us and will continue to update this policy as needed to meet evolving legal and technological standards.

Website

Introduction

At GoldwaterCap Financing Corporation (“we”, “us”, or “our”), your privacy is of utmost importance to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website, https://goldwatercap.net, and interact with our services. By accessing or using our website, you agree to the practices described in this policy.

1. Information We Collect

We may collect different types of information from visitors to our website, including both personal and non-personal information.

1.1 Personal Information

Personal information is data that can be used to identify you. We may collect the following when you:

Fill out forms (e.g., account applications, inquiries)
Use our financial services
Subscribe to newsletters or alerts
Contact us for customer service

This may include:

Contact Information: Name, email address, phone number, and mailing address.
Financial Information: Account numbers, transaction history, and other financing-related details.
Login Credentials: Username, password, and security question answers.
Identification Data: Social Security System Number (SSS Number), tax ID, or other government-issued IDs.

1.2 Non-Personal Information

Non-personal information includes data that cannot be directly linked to you. We may collect:

Device Information: IP address, browser type, operating system, and device identifiers.
Usage Information: Browsing behavior, pages visited, and time spent on the site.
Location Data: Approximate geographic location based on IP address.

2. How We Use Your Information

We use the information collected from our website for various purposes, including:

2.1 Service Provision

To provide access to our financing services and products.
To process online transactions, inquiries, and requests.
To respond to your questions or customer support needs.

2.2 Website Performance and Improvement

To monitor and analyze usage patterns, website traffic, and visitor interactions.
To improve our website’s functionality, user experience, and content.

2.3 Marketing and Communication

To send you promotional offers, newsletters, and updates if you’ve opted in.
To provide personalized recommendations based on your interests and browsing behavior.

2.4 Security and Fraud Prevention

To detect and prevent fraudulent activities or unauthorized access.
To secure your information using encryption, firewalls, and other security measures.

2.5 Legal and Regulatory Compliance

To comply with applicable laws, regulations, and requests from regulatory authorities.
To enforce our terms and conditions and protect our legal rights.

3. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files placed on your device that help us understand your browsing behavior and preferences.

3.1 Types of Cookies We Use

Essential Cookies: Necessary for the functioning of the website, such as those enabling secure logins and session management.
Analytical Cookies: Used to gather statistics about how visitors use the website, such as which pages are most popular.
Marketing Cookies: Track your online activity to deliver targeted advertisements based on your browsing history.

3.2 Managing Cookies

You can adjust your cookie preferences through your browser settings. Please note that disabling certain cookies may impact the functionality of our website.

4. How We Share Your Information

We do not sell or rent your personal information to third parties. However, we may share your data with the following parties under specific circumstances:

4.1 Service Providers

We work with third-party vendors (e.g., cloud service providers, analytics providers, payment processors) who help us operate the website and deliver services. These providers have access to your data only to perform specific tasks and are required to maintain the confidentiality and security of your information.

4.2 Legal and Regulatory Disclosures

We may disclose your personal information in response to:

Legal processes such as subpoenas or court orders.
Requests from regulatory or law enforcement agencies.
Instances where we believe disclosure is necessary to prevent fraud or to protect the safety of individuals.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. In such cases, we will ensure that the new entity adheres to this Privacy Policy.

5. Data Security

We are committed to protecting your personal information through various security measures:

5.1 Encryption

We use encryption (such as TLS/SSL) to protect sensitive data transmitted through our website, such as login credentials and financial information.

5.2 Access Control

Access to your personal data is restricted to authorized personnel who need the information to provide services or conduct business.

5.3 Regular Security Audits

We regularly audit and update our security protocols to address potential threats, vulnerabilities, and breaches.

5.4 User Responsibilities

We advise users to maintain the security of their login credentials and avoid sharing sensitive information over unsecured networks.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including legal, accounting, and compliance obligations. After this period, we securely delete or anonymize your data.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

7.1 Access and Correction

You have the right to access the personal data we hold about you and request corrections to inaccurate or incomplete information.

7.2 Deletion

You can request the deletion of your personal information, subject to legal obligations or business needs.

7.3 Marketing Preferences

You may opt-out of receiving marketing communications by following the unsubscribe instructions in our emails or adjusting your settings on the website.

7.4 Cookie Management

You can control your cookie settings through your browser or by using the cookie consent tool on our website.

8. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. International Data Transfers

If you access our website from outside the country where we operate, your information may be transferred, stored, and processed in a different country. By using our website, you consent to such international data transfers in accordance with this Privacy Policy.

10. Children’s Privacy

Our website and services are not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected such data, we will take steps to delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. Any updates will be posted on this page, and we will notify you of significant changes via email or a notice on our website.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us at:

GoldwaterCap Financing Corporation
Unit 300 No. 7, Onjianco St.,
Sta. Veronica, Guimba, Nueva Ecija
Phone: +63 917 873 3300
Email: [email protected]
Website: www.goldwatercap.net

This Privacy Policy is designed to help you understand how we collect, use, and protect your personal data when you interact with our website. We are committed to maintaining the trust you place in us and ensuring the security and privacy of your information.