Flash Cash 101 Lending Corporation, (PSEC registration number: CS201915317) with registered online lending application: Lemon Loan, is duly registered under the Securities and Exchange Commission of the Philippines. Lemon Loan ("Lemon Loan", "We", "Us", or "Our", for brevity) hereby adopts this Privacy Policy in compliance with the provisions of Republic Act No. 10173, entitled: An Act Protecting Individual Personal Information And Communications Systems In The Government And The Private Sector, Creating For This Purpose A National Privacy Commission, And For Other Purposes, otherwise known as the Data Privacy Act of 2012. This Privacy Policy ensures that the personal data gathered from our clients in the course of transactions, and in accordance with the nature of our business, shall remain secured and protected. All names and other information, which relate to Users shall be handled the manner set out in this Privacy Policy. We only collect information where it is necessary for us to do so and we will only collect information if it is relevant in our dealings with Users. We will only keep User information for as long as we are either required by law or as is relevant for the purposes for which the information was collected. This Privacy Policy describes what information we collect from you, the purposes for which we collect and process it, how we use it, who we share it with, how long we retain it, and your rights in relation to it. You must read this Privacy Policy in its entirety. (the "Lemon Loan App") and your use of our services through the Lemon Loan App or otherwise.
Installed Application Information: We will collect the names of your installed applications, installation time, update time, and other necessary information for analyzing your credit rating and credit risk. This data will be encrypted and uploaded to https://api.lemonloanplus.com and will not be shared with any third parties.
Files, Media, and Photos: We need access to your files, media, and photos to facilitate your application process and enable you to easily upload documents and photos.
SMS: The app requires customer authorization to upload and transfer SMS data to assess the customer's credit status. This step is used to determine if the customer is eligible for a loan application. Customer contact information will be encrypted and uploaded to https://api.lemonloanplus.com for risk assessment, and your data will not be shared with any third parties.
Phone Number: We need to collect your phone number to identify and protect your information, helping other parties eliminate potential risks. Your phone number will be encrypted and uploaded to https://api.lemonloanplus.com, and your data will not be shared with any third parties.
Mobile Device Data： We need access to your mobile device data to prevent, detect, and investigate actual or suspected crimes, as well as analyze and manage business risks. For example, if your account is logged in on another device, we will notify you in our application if there are any transactions occurring. (such as SIM card, IMEI, or other device identifiers, device type, device operating system, device settings, user account information for your mobile device or Google Play Store account, name and network information of your mobile network provider, device specifications (such as screen size, resolution, etc.), information about network closeness)
Contact: As an integral part of our loan process, we need you to provide emergency contact information in your loan application. We will check your provided contact list to identify potential fraud risks, helping us reduce bad loan applications and lower credit risks. We will only collect and retain the contact information you select, including names, phone numbers, and other relevant information (such as relationships). All information you provide will be transmitted securely via HTTPS protocol to our server https://api.lemonloanplus.com, and we guarantee not to share it with any third parties without your consent. After evaluating your risk status, we will immediately delete the contact information you provided.
Camera: To identify users and conduct background checks, we need access to your camera to ensure that this is your own operation and that you will be able to upload the required documents for the loan application.
Usage and Update Status of Installed Apps: To enhance your experience and provide personalized services, we will collect relevant data on the apps installed on your device, including the last time they were opened and their usage duration. This information helps us better understand your preferences and usage habits. Please rest assured that we highly value your privacy and security. Your data will never be shared with third parties, and all user information will be securely encrypted and stored.
Your Personal Data may be shared with the Flash Cash 101 Lending Corporation and its affiliates in the conduct of its business for processing as may be required in the maintenance and performance of its duties and responsibilities, in accordance with applicable laws, rules and regulations.
Identity Verification – your information may be shared to identity and information verification, investigation, validation providers to confirm the trust and veracity of any information you provide.
Payment Gateway Providers – If you use a payment gateway provider to pay for any product or service obligation, loan, or installment in the Lemon Loan App, we may disclose your Personal Information to help with the payment process.
Service Providers – In some instances, we also share Personal Data with our suppliers and other third parties, including Flash Cash 101 Lending Corporation entities and other business partners who provide services to us. These include IT and technology service providers, communication services and debt collection, tracing, debt recovery, fraud prevention, and credit reference agencies and credit scoring data analytics companies, and others. When we do so, we take steps to ensure they meet our data security standards, so that your Personal Data remains secure.
We use a secure third-party cloud service provider (Alicloud), one of the top providers in the world, to store your Personal Data and transaction data. Please note that we may transfer and store the data, including your Personal Data, outside the Philippines. The data may also be processed by our staff or our supplier's staff who operate outside the Philippines under an outsourcing agreement or data sharing agreement. These staff members may assist in fulfilling your requests. By sharing your Personal Data, you consent to the transfer, storage, and processing of the data. We will take all reasonable precautions to ensure that your data is treated securely and in compliance with our Privacy Policy. Additionally, we may disclose your data to necessary parties to provide you with services related to your account.
We store your Personal Data and transaction data in a secure third-party cloud service provided by Alicloud, one of the leading cloud providers globally. Please note that we may transfer and store the data, which includes your Personal Data, to a location outside the Philippines. Our staff or our supplier's staff may also process the data while operating outside the Philippines, provided that they are under an outsourcing agreement or data sharing agreement. These staff members may assist in fulfilling your requests. By submitting your Personal Data, you consent to the transfer, storage, and processing of the data. We take all necessary measures to ensure that your data is treated securely and in accordance with our Privacy Policy. Moreover, we may disclose your data to anyone we consider necessary to provide you with account-related services.
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2.Directly contact our customer service:
+63 09171098215/email:cs@lemonloanplus.com
phone number: +63 09171098215
email: cs@lemonloanplus.com
Address: Blck 11 lot 4 Recomvill Camarin Caloocan City