Your Privacy, Our Priority

We are committed to safeguarding your personal information and ensuring your privacy is protected.
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The Company values the privacy and secures personal and sensitive data of its users. This Data Privacy Policy explains how we collect, use, disclose, and safeguard Your information when You visit, access, and use our website (“Application”). Please read this Privacy Policy carefully. If You have any questions or comments about this Policy, please feel free to contact us through partnerships@cartera.com.ph. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE APPLICATION.
 
We reserve the right to make changes to this Privacy Policy at any time and for any reason by updating the link or through other means of notifications, which modifications shall become effective on the day such modifications are posted or sent as notification. If You object to the updated Privacy Policy, as Your sole and exclusive remedy, You may choose to stop using, accessing and utilizing the Application.
 
You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by Your continued use of the Application after the date such revised Privacy Policy is posted.

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.
  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
  • Application refers to the official CARTERA website with domain name of cartera.com.ph.
  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to CARTERA INTERCHANGE CORP with business address at 37th Floor of High Street South Corporate Plaza Tower 2, 26thStreet corner 11th Ave., Bonifacio Global City, Taguig City.
  • Country refers to the Philippines where the owner of the Application is located.
  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Application.
  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
    You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

When You download the Application and create an account (“Account”), we may collect certain Personal and Sensitive Personal Information (“Registration Information”) about You, such as:

Name;

  • Username;
  • Email address;
  • Mobile number;
  • Login Information;

The above Personally Identifiable Information or PII are required to create an account to access and use the Application which is in accordance with the MINIMUM CUSTOMER DUE DILIGENCE (CDD) requirement under the Anti-Money Laundering Act of the Philippines (Republic Act No. 9160).

In-App and Push Notifications

We may request to send You push notifications regarding Your account or transactions You executed using the Application. If You wish to opt-out from receiving these types of communications, you may e-mail us at partnerships@cartera.com.ph.

Purpose for Which Data is Used

Data Collected
Interest / Legal Obligations
Consent
Name; E-mail address; Date of Birth; Address.
Contractual necessity
To take payment for premium services
Demographic and location information
Legitimate interests – it is in our legitimate interests to target advertisements so that users see relevant advertisements and to allow us to generate income from advertising revenue
To send You marketing information about our offers and services
E-mail address
Legitimate interests – it is in our legitimate interests to promote our products and services and respond to Your queries to ensure that we provide a good service to Users and troubleshoot problems
To carry out research and analysis to help us improve the Application
Log and usage data such as session information
Legitimate interests – it is in our interests to analyze the way in which Users are accessing and using our services so that we can further develop the Application, our products and services and improve its security (block accounts as part of our anti-spam procedures; prevent unauthorized behavior and to maintain the safety and security of our services)
To respond to correspondence and queries that You submit to us and provide security services to protect You as our Users
Financial information
Legitimate interests – we have a legitimate interest in making sure that Application Users have legal fund sources and that the Application are not funded by illegal sources and dirty money (i.e. trafficking and terrorism funds, cartels, etc.)
To comply with Anti-Money Laundering Act of the Philippines (Republic Act No. 9160)
 

Use of Your Personal Data

Having accurate information about You permits us to provide You with a smooth, efficient, and customized experience. Specifically, we may use information collected about You via the Application to:

  • Provide You with the features and functions for which You sign up for including to enable user-to-user communications, increase the efficiency and operation of the Application through requesting feedback about Your use or resolve disputes and troubleshoot problems.
  • Process payments, refunds, loyalty and rewards redemption and prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
  • Conducting analysis for purposes of research and marketing initiatives, including the creation of personal profile based on interests, preferences, mobility patterns from physical locations visited, and other information that may be relevant for marketing and market research purposes;
  • Managing Your account, providing customer care activities, monitoring the quality and security of the network, training the staff, and providing services in a timely and efficient manner, and ensuring Your fair and lawful use of the products and services provided by us;
  • Generating statistical insights based on your usage and other information to assist the Government in planning for healthcare, disaster, and other similar initiatives;
  • Credit scoring programs and initiatives, including but not limited to providing information to the Credit Information Corporation in furtherance of the objectives of Republic Act No. 9501, otherwise known as the Credit Information System Act;
  • Sending commercial and promotional advertisements and campaigns, loyalty and rewards offers, surveys, customer care, and after sales communications, and other broadcast push messages;
  • Sharing Your personal data with our business partners, authorized third-party content providers, service provider for the Service and other authorized third-party services; and such other processing or disclosure that may be required under law or regulations.
  • Liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with our Service Provider to process, collect, store, monitor and analyze Your data and use of our Service, to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

We require all third parties engaged by us to respect the security of Your personal data and to treat it in accordance with the law. Such third parties are only allowed to process Your personal data in accordance with our instructions, and not for their own purposes.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. Our retention policy is seven (7) years in which we will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain Your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or change some of Your information at any time by signing into Your Account, if You have one, and visiting the account settings section that allows You to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us by e-mailing us at partnerships@cartera.com.ph and providing us proof of identification to effect the change, update or modification of Your information.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by updating this link or through other means of notifications, which modifications shall become effective on the day such modifications are posted or sent as notification. If You object to the updated Privacy Policy, as Your sole and exclusive remedy, You may choose to stop using, accessing and utilizing the Application.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If You have any questions about this Privacy Policy, You can contact us at partnerships@cartera.com.ph.
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