PAYCHAT INC. PRIVACY POLICY

Our Approach to Privacy

To provide you with the best customer experience, PayChat Inc. is committed to protecting your privacy and staying transparent with the way we handle your personal information. Our privacy policy will help you understand how we collect, use, store, and share and protect the personal information you have entrusted us.

Privacy Policy

Our privacy policy values and protects your personal information under the Data Privacy Act of 2012 and the laws of the Philippines. Personal information simply means any information or data that can be used to distinguish, identify or contact you.

Our Privacy Policy explains:

• Why we collect personal information
• What kind of information we collect
• Where we get this information
• Who we share your information with
• How we protect your information
• Your choices, including how you can check and update any personal information we have about you
• What happens if there are changes in our privacy policy

As a condition for use of our services, you are consenting to the Privacy Policy of PayChat Inc. (we, our, us) and its partners, and the collection, use, access, transfer, storage, and processing of your personal information as described in this Privacy Policy.

Why We Collect Personal Information

To improve our services, it is important that we collect, use, process, and analyze your personal information when it is reasonable and necessary. When we can, we aggregate and anonymize this information such that you are never identified as an individual. In particular, we are using your information to:

1. Manage your account, provide customer care activities, monitor the quality and security of the network, train our staff, and provide services timely and efficiently.
2. Send commercial and promotional advertisements, loyalty and rewards offers, surveys, customer care and aftersales communications, and other broadcast push messages.
3. Share your personal data with third-party content providers or other third-party services for which you sign up.
4. Conduct analysis for research and marketing initiatives, including the generation of anonymized or non-personally identifiable location and mobility data to show footfall, location patterns, crowd density, and other information that may be relevant for marketing purposes.
5. Generate statistical insights based on usage/network information to assist the Government in planning for healthcare, disaster, and other similar initiatives.
6. Run credit scoring programs and initiatives, including but not limited to, providing information to the Credit Information Corporation in accordance with Republic Act No. 9501, otherwise known as the Credit Information System Act.
7. Perform such other processing or disclosure that may be required under law or regulations (i.e. KYC – Know Your Customer identity verification procedures as mandated by the pertinent BSP and AMLA policies).

In cases where your separate and full consent is given, we are also processing your personal data to:

1. Create your personal profile based on your interests, preferences, mobility patterns from physical locations that you may visit, and other information that may be relevant for marketing and market research purposes.
2. Share your personal profile based on your interests, preferences, and mobility patterns from physical locations that you may visit, with our business partners and third-party service providers.
3. Compute your credit score based on data collected internally and share your credit score with third parties to whom you specifically instruct us to share your credit score.
4. Send you information on offers, promotions, and advertisements from our business partners and third-party service providers.

What Type of Information We Collect

We collect information to provide better services to all of our users. This may range from the most basic like being able to offer promos that best suit the user, to more complex use cases like which related services and digital content a user might find interesting & useful. This includes information such as:

• Who you are
  • Basic personal information like your name, date of birth, gender, nationality, address, and identity supporting documents such as SSS or passport numbers. You can check what we know about you by making a request to the PayChat Customer Support through the contact details provided below.
  • Your phone contacts list from the mobile phone where you have logged in (collected upon your consent which is given upon logging in to the app for the first time).
  • Your credit card, bank and payment details.
  • Your contact details like billing address, telephone number, mobile phone number, email address.
• What You Use Our Product/Services For
  • Utility bills payments and government contributions.
  • ATM withdrawals, payments and transfers to third parties.
  • Account maintenance, including changes in account information and contact details.
  • The device you use when accessing our Products and Services (such as your mobile handset, your computer system and platform) to customize our service for you.
  • PayChat Inc. does not look at the content of your text messages and neither does it listen to your calls, unless you are transacting with the company’s hotline.
• What You Do with Your PayChat Account
  • This includes when and how much you reload or pay your bills.
  • How often you access your account and why.

Where We Get This Information

There are a few different ways we collect information:

• Information That You Personally Give Us
  • Most of the personal information we have are those that you have given us yourself. You provide us personal information when you get in touch with us to ask about something, file a complaint or request for service, etc.
  • Your phone contacts list from the mobile phone where you have logged in (collected upon your consent which is given upon logging in to the app for the first time).
  • Your credit card, bank and payment details.
  • Your contact details like billing address, telephone number, mobile phone number, email address.
• Information We Collect During Our Relationship with You
  • Information we collect from other sources.
• Information We Collect from Other Sources
  • We also collect information from commercially or publicly available sources like published directories and public documents. We may also obtain your personal information from third parties and from other sources which you have given consent for the disclosure of such information relating to you and where otherwise lawfully permitted.

Who We Share Your Information With

We will never share, rent, or sell your personal information to third parties outside PayChat (or the group of companies of which PayChat is part of) except in limited circumstances as noted in this policy. In some instances, we may be required to disclose your personal information to our affiliates, partners, and other third-party agencies as part of business operations and the provision of our services. This means we might share your information with:

• Our partner companies, organizations, or agencies including their sub-contractors or prospective business partners that act as our service providers, contractors, professional advisers who help us provide our products and services, for example, our couriers for bill delivery and our customer contact centers for our hotline operations.
• Law enforcement and other government agencies.
• Other companies with whom you have also given consent to share your information.
• We will never share your local phone contacts list with anyone. We only use it to provide you information about which of your contacts are registered with PayChat.

How We Protect Your Information

The integrity, confidentiality, and security of your information are particularly important to us. That’s why we strictly enforce our privacy policy within the company and have implemented technological, organizational, and physical security measures that are designed to protect your information from unauthorized access, use, alteration, and disclosure. We also put in effect safeguards such as:

1. We keep and protect your information using a secured server behind a firewall, encryption, and security controls.
2. We restrict access to your information only to qualified and authorized personnel who hold your information with strict confidentiality.
3. We undergo regular audit and rigorous testing of our infrastructure’s security protocols to ensure your data is always protected.
4. We let you update your information securely to keep our records accurate.

We will retain your personal data throughout the subscription of our products and services, and for a maximum period of five (5) years after account closure.

Your Choices, Including How You Can Check and Update Any Personal Information We Have About You

You are afforded certain rights in relation to your personal data under the Data Privacy Act of 2012, which includes the right to object to processing, the right to access your data, the right to modify inaccurate data, and the right to erasure or blocking of data.

If you wish to have access to your personal information in our records, think that such personal information we have of you is incomplete, not up-to-date, or otherwise inaccurate, or prefer to opt-out of this privacy policy, you may get in touch with our Technical Support Team through the contact details provided below.

Our Contact Details

Chat with us directly from the PayChat App or email: [email protected]

What Happens When There Are Changes in This Policy?

From time to time, PayChat may change this privacy policy to comply with government and regulatory requirements; to adapt to new technologies and protocols; to align with industry practices; or for other legitimate purposes. You will always be provided notice if these changes are material and, if we are required by law, we will also obtain your consent.

Website Privacy Policy

The policies below are applicable to the website and affiliate sites of PayChat Inc. found at www.paychat.ph. Please be advised that the practices described in this Privacy Policy apply only to information gathered online at our website. They do not apply to information that you may submit to us offline or to websites maintained by other companies or organizations to which we may link or may have linked through us.

By visiting our website, you are accepting the practices described in our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the website.

PayChat collects personal information voluntarily submitted by visitors to the website, which enables us to respond to requests for publications, distribute e-newsletters, process employment inquiries, and respond to requests for more information or assistance. PayChat adheres to the highest standards of ethical practices in all of our operations and is dedicated to protecting the privacy of all visitors to our website. Except as disclosed below, we do not sell, barter, give away, rent, or permit anyone outside of PayChat to use your personal information.

We occasionally use third-party agents, subsidiaries, affiliates, and partners to perform functions such as creative design, marketing, analytics, programming, site maintenance, providing customer service, etc., on our behalf. These entities have access to the personal information needed to perform their functions and are contractually obligated to maintain the confidentiality and security of any personal information collected from the website. They are restricted from using, selling, distributing, or altering this data in any way other than to provide the requested services to the website.

We may also use or disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to: (a) Conform to applicable law or comply with legal process served on us or the website; (b) Protect and defend our rights or property, the website or our users; and (c) Act under emergency circumstances to protect our safety and security and those of our affiliates, agents, and the users of the website or the public in general.

PayChat also collects anonymous information to help us tailor the website to visitor interests and concerns. We use "cookies" to help us understand which parts of our website are the most popular, where our visitors are going, and how much time they spend there. The information gathered through cookies is used solely to assist in improving website design and function. This website is functional without the retention of cookies. You may elect to block cookies from this site through your browser settings. PayChat strives to protect the transmission of any information submitted by visitors. PayChat does not warrant that the transmission of data will be completely secured, and any and all submissions are at the visitor's risk.

This website may contain links to sites operated by third parties. Please be advised that the practices described in this Privacy Policy do not apply to information gathered through these other websites.

Please remember that any information that you may share in public areas, such as message boards or feedback sections, becomes public, and therefore this Privacy Policy does not apply to any information you choose to make public. Please be careful about what you disclose and do not post any personal information that you expect to keep private.

The website is published in the Republic of the Philippines and is subject to laws of the Republic of the Philippines. PayChat may change this Privacy Policy to reflect, among others, changes in the way we

Questions and Comments

Questions and comments should be directed to this email address: [email protected]