It is recommended that all users closely scrutinize this Privacy Policy. By choosing actions such as "Register", "I Accept the Privacy Policy of MSL Loan", "I Authorize the Collection, Use, Disclosure, Storage, Transmission, and/or Handling of My Personal Information as Defined by MSL Loan's Privacy Policy" or akin expressions found on the MSL Loan registration or within the service usage, you confirm your comprehension and agreement to how your personal information will be treated as stated herein.
1. Financial Service Provider Synopsis
Introducing Our Loan Provision Partner: MSL Loan is allied with premier loan providers to offer comprehensive credit and loan services. Familiarity with our partners is a cornerstone of our service ethos.
Loan Service Provider Attributes:
Entity Name: Df Credit Lending Corporation
Regulatory and License Data:
SEC Identification Number: CS202002430
Certificate of Operational Authority: 3244
Locator Details:
Email Assistance:
[email protected]
Telephone Number: 9658223667
Address: Unit 602 Prime Land Market Street, Madrigal Business Park, Ayala Alabang Muntinlupa, Metro Manila, 1780 Philippines
2. Agreement and Empowerment Upon Usage of the MSL Loan Application
By downloading and using the MSL Loan Application, you:
Acknowledge your agreement with the terms laid out in this Privacy Policy;
Provide MSL Loan explicit consent to collect, use, share, and manage your Information, which may include personal, sensitive, and confidential categories as defined under applicable laws, following the guidelines of this Privacy Policy;
Certify the accuracy and truthfulness of the Information you have provided and will provide to MSL Loan;
Authorize MSL Loan to verify the accuracy of the Information submitted by you;
Understand that to comply with legal obligations, MSL Loan may be required to disclose your Information to relevant financial and regulatory bodies such as the Bangko Sentral ng Pilipinas, the Anti-Money Laundering Council, credit bureaus, and other oversight agencies as necessary.
3. The Way MSL Loan Employs Your Information
To ascertain your qualification for loans and services, analyzing financial stability and suitability for service enhancements.
Management of loan agreements, ensuring efficient processing and execution of financial obligations.
Identity verification to ensure the reliability of client data.
Implementation of measures to safeguard against fraud and secure service integrity.
Upgradation of MSL Loan's service portfolio to better meet user needs.
Tackling of any operational issues experienced by clients.
Compliance with legal mandates focusing on client authentication and financial crime deterrence.
Distribution of promotional content, subject to your acceptance.
Communication about service advancements and news.
Cooperation with credit validation and fraud mitigation partners.
Customer service excellence and engagement through selected communication modes.
Grounds for Processing Client Data:
Leveraging legitimate interests for service enhancement and operational efficiency.
Adhering to our contractual commitments to you, including addressing inquiries pre-agreement.
Processing based upon your explicit approval for certain data handling procedures.
4. Data Collection by MSL Loan involves:
Personal identification elements such as your complete name and birthdate for identity verification.
Data from your loan application like salary, employment status, the reason for the loan, and specifics about your mobile equipment for loan processing.
Your communication details including home address, phone number, and email for contact purposes.
Detailed borrower information, notably SSS, job details, contacts, and emergency contacts for a comprehensive borrower profile.
Specifications of your mobile device such as unique ID, system and OS types, configurations, account info, and network details for app optimization.
Location information from your mobile's GPS, IP address, and device data for enhanced service delivery.
MSL Loan captures your "Info" through:
Your initial app installation or when you express interest in obtaining a loan.
Direct interactions with our team, including information shared with our support staff or loan agents.
Checks with credit verification services and fraud prevention agencies to validate your information against other sources.
The primary reason for gathering and managing your "Info" is to offer MSL Loan services or comply with specific legal requirements. We do not collect your information without your explicit consent, except as required by law.
5. Access and Usage of Personal Data by MSL Loan
In the framework of providing personal loan services, the Borrower permits MSL Loan and its associated entities to engage in continuous credit evaluations throughout the lifespan of the loan. This encompasses using the Borrower's data to assess eligibility for additional loans or other financial and consumer services, potentially offered by MSL Loan or external parties.
MSL Loan pledges to safeguard any information classified under relevant laws as personal data, not disclosing it to third parties unless it's crucial for delivering our services. Nonetheless, for research and development purposes, we might share anonymized personal data with select partners, ensuring that any data shared with third parties is done in a manner that maintains your anonymity.
Under specific circumstances necessitated by section 2 or when deemed appropriate, MSL Loan is authorized to share your Data with:
Entities within the MSL Loan Group, including affiliates, third-party agents, or subsidiaries, as well as executive personnel;
Intermediary financial institutions, market participants, credit referencing agencies, and entities engaged in fraud detection and data management services;
External agencies involved in debt recovery efforts on behalf of MSL Loan;
Regulatory and taxation bodies, as well as entities involved in significant business transactions like mergers or acquisitions with MSL Loan;
Other parties, under legal compulsion to disclose, to enforce our agreements, or to protect the rights and safety of MSL Loan, its users, and stakeholders.
These disclosures enable MSL Loan and the aforementioned entities to process or share your Data in accordance with the objectives outlined in section 2, aligning with the commitments of this Privacy Policy. Additionally, MSL Loan may relay your Data to legal or governmental bodies in response to official requests or when compliance with legal obligations necessitates such action, aiming to prevent fraud, report potential illegal activities, or investigate breaches of our user agreements.
6. Data Retention Policy at MSL Loan
The policy of MSL Loan concerning the storage of your Data is to limit the duration of retention to the minimum necessary for accomplishing the goals set forth in sections 2 and 10 of this Privacy Policy. Additionally, we may hold onto your Data for longer periods when: (i) compliance with legal and regulatory mandates necessitates; (ii) lawful permissions exist for extended storage; and (iii) preparations for or defense against legal actions require such retention.
7. Utilization of Automated Processing for Financial Services by MSL Loan
In delivering its services, MSL Loan leverages automated processing, including profiling, to make determinations about the financial products offered to you.
Credit Approval Process: Our automated systems are designed to quickly evaluate loan applications, offering rapid responses based on advanced analytics. These systems assess various factors including, but not limited to, creditworthiness and financial stability, especially catering to applicants with minimal financial history.
Automated Fraud Detection: MSL Loan employs sophisticated algorithms to scan for and prevent fraudulent or suspicious activities. Should such systems flag an account, it may result in restrictions or denial of service.
Challenging Automated Decisions: If an automated decision adversely affects your access to loans or services, you're entitled to have this decision reviewed manually. To initiate this review, contact us directly at:
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8. Exercising Your Data Protection Rights
For assistance or to enact your data protection rights, kindly contact us at
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Information and Consent Rights: We commit to providing comprehensive details about our practices regarding data collection, usage intentions, our sharing partners, data origins, and your rights as a data subject. This information is readily accessible within the MSL Loan App and our Privacy Policy.
Right to Access: You are entitled to obtain a copy of the personal data we hold about you. However, we reserve the right to withhold certain information if its disclosure could adversely affect the rights of others or contravene legal stipulations.
Right to Rectification: Should you find discrepancies in your data, you're welcome to request adjustments. Verification may be required for the amendment of such data.
Right to Erasure: Under circumstances where you believe the retention of your data is unnecessary, you have the right to request its deletion.
Right to Restriction of Processing: You may request a temporary halt in the processing of your personal data under specific conditions, such as questioning its accuracy or challenging its lawful processing.
Right to Data Portability: Upon your request, and where applicable, we can supply your data in a structured, commonly used, and machine-readable format or transmit it directly to another organization.
Right to Object: If your data is processed based on our legitimate interests, you have the right to object to such processing. The basis for our processing on legitimate grounds is detailed in section 2.
Right to Lodge a Complaint: If you believe your data protection rights have been infringed upon, you have the right to file a complaint with relevant regulatory bodies, including the National Privacy Commission of the Philippines. Please note that there may be circumstances under which we are unable to fulfill your request due to prevailing legal obligations or exceptions.
9. Outcome of Non-Disclosure of Personal Information
You possess the autonomy to decide against providing your personal information or to revoke any previously given consent for its processing at any time. Opting for such actions may impede our ability to extend our suite of products and services to you, potentially leading to a cessation of our ongoing relationship, as is permissible under current legal standards. Moreover, we may retain your personal data if there are legal grounds for doing so, such as to continue efforts to recover any outstanding loan amounts, thereby ensuring compliance with our financial obligations and legal entitlements.
10. Biometric Verification Data Agreement
Agreement on Biometric Data Use for Account Verification
To verify the authenticity of accounts and enhance security measures, our application may require your facial biometric data during the KYC verification phase. Here's an in-depth explanation of our biometric data collection and usage policy:
Gathering Biometric Facial Data: We collect specific biometric data, including facial features and other related biometric information, crucial for confirming your identity and securing your account.
Intended Use of Biometric Facial Data: The gathered biometric data is exclusively utilized for conducting KYC checks, aimed at verifying account authenticity and enhancing security. We assure you that this information will not be diverted for any commercial purposes.
Confidentiality and Sharing of Biometric Data: Your biometric facial data is treated with the highest confidentiality. Disclosure to third parties will only occur if legally mandated or upon receiving your express consent.
Secure Storage of Biometric Data: We employ advanced security measures to safeguard your biometric data stored on our digital platforms, ensuring its protection against unauthorized access.
Retention of Biometric Data: Biometric data is kept for the minimum time necessary to fulfill KYC verification needs, after which steps are promptly taken to delete or anonymize this data.
Access to Your Biometric Data: At any time, you may access, amend, or delete your biometric data. Should you have queries or wish to exercise these rights, please contact our dedicated privacy team.
Your utilization of our application signifies your agreement to our biometric data processing practices. Our promise is to maintain the highest levels of privacy and security concerning your personal data.
Should you require more details or clarification, our privacy team is here to assist. Ensuring your safety and satisfaction is our foremost aim as we provide you with our services.
11. Contact Information and Policy Updates
For any inquiries or feedback, feel free to email us at:
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We are dedicated to continuously improving our Privacy Policy to better protect and serve you. The current version, effective as of 03-30-2025, is subject to revisions. We encourage you to regularly review this document to stay updated on any changes.
