Privacy Policy
This Privacy Policy explains how AKSYON AGAD CREDIT & LENDING INC. ("we", "us", or "our") collects, uses, stores, shares, and protects your personal information when you use the mobile application Sure Lend (the "App") and the services connected to it.
We are committed to handling your personal data in line with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and its related rules and regulations.
By registering for, opening, or using the App, you confirm that you have read, understood, and accepted this Privacy Policy.
1. Lending Service Provider and Authorization
The lending services available in Sure Lend are provided by a duly authorized lending entity in the Philippines.
Company Information
AKSYON AGAD CREDIT & LENDING INC. operates the Sure Lend app and offers transparent and responsible financial services in the Philippines.
Authorized Lending Partner
The lending services on this platform are operated by PERAJET LENDING CORPORATION, a licensed lending company in the Philippines.
2. Personal Data We Collect
We collect only the information needed to provide lending services, meet legal obligations, and keep the App safe from misuse.
2.1 Identity and Verification Information
We may collect:
- Full name
- Date of birth
- Government ID details such as ID number, document type, and validity period
- Selfie or facial verification data
Purpose of Collection:
To confirm your identity, complete KYC checks, and help prevent identity fraud or unauthorized account access.
2.2 Contact Information
We may collect:
- Mobile phone number
- Home address or mailing address
Purpose of Collection:
To create and manage your account, send service messages such as OTPs, loan updates, and repayment reminders, and provide support when needed.
2.3 Financial and Employment Information
We may collect:
- Income level and income source
- Employment details such as job title and employment length
- Bank account, e-wallet, or payment details
- Other financial information relevant to your application
Purpose of Collection:
To assess your credit profile, determine eligibility and loan limits, process disbursement, and manage repayment.
2.4 Device and Technical Information
We may automatically collect:
- Device model and operating system
- IP address and network provider
- Device identifiers such as Device ID and IMEI
- Usage logs, session records, and interaction patterns
Purpose of Collection:
To detect suspicious behavior, prevent fraud, strengthen platform security, and improve app performance and user experience.
2.5 Location Information
We may collect:
- Approximate location data
Purpose of Collection:
To support fraud control, risk review, and detection of unusual usage patterns. You can turn off location access at any time in your device settings.
3. App Permissions and How They Are Used
To collect and process the personal data described above, the App may ask for access to certain permissions on your device.
Permissions are requested only when they are needed for a specific feature, and they are used solely for the purposes described below. You can manage or disable them anytime in your device settings.
3.1 Camera Permission
Used to:
Capture identity document images
This permission is used only when you choose to complete identity verification.
3.2 Photos Permission
Used to:
Upload supporting files for loan applications
We do not browse unrelated photos or scan files that are not needed for the service.
3.3 Location Permission
Used to:
- Support fraud detection and risk control
- Help identify unusual or high-risk activity
This permission is optional and is collected only after you give consent. You may disable it at any time.
3.4 Device Information Access
Used to:
- Recognize your device for security purposes
- Reduce duplicate accounts, automated abuse, and fraudulent registrations
This helps us maintain the integrity and safety of the platform.
3.5 Contacts Permission
Used to:
- Let you choose emergency contact references
- Support risk verification workflows
We only access the contacts you actively choose and do not collect your entire contact list without clear consent.
Important Notice
All permissions are limited to the features described in this Privacy Policy. We do not access or use device data for unrelated or unauthorized purposes.
4. How We Use Your Personal Data
We use your personal data in a lawful and transparent way for purposes such as:
- Processing and reviewing loan applications
- Verifying identity and reducing fraud
- Evaluating credit score and risk
- Handling disbursement and repayment
- Sending service-related notices
- Providing customer support
- Improving our services, systems, and user experience
- Meeting legal, regulatory, and reporting obligations
We do not use your personal data for purposes that are not consistent with the items listed above.
5. Data Sharing and Disclosure
We may share your personal data only when it is necessary, lawful, and limited to what is reasonably required for the service.
We may share your data with the following recipients:
- Financial institutions, lending partners, or funding providers For loan processing, credit evaluation, disbursement, and account management
- Payment gateways and transaction processors To support secure payment, payout, and repayment processing
- Identity verification and credit scoring providers To verify your identity, assess creditworthiness, and support risk management
- Technology and service providers Including cloud hosting, data storage, analytics, and technical support required to run the App
- Government authorities, regulators, or law enforcement agencies When disclosure is required by law, regulation, legal process, or official request
Safeguards and Controls
We require any third party receiving your personal data to:
- Use the data only for defined and lawful purposes
- Follow confidentiality obligations and data protection agreements
- Apply reasonable technical and organizational security safeguards
- Comply with applicable data protection laws and regulations
We do not sell, rent, or trade your personal data to third parties.
6. Data Retention
We keep your personal data only for as long as needed to fulfill the purposes stated in this Privacy Policy, unless a longer period is required or allowed by law.
Retention periods depend on the type of data, the purpose of processing, and any legal or regulatory requirements that apply.
Retention Periods
- Loan applications not approved: Kept for up to 6 to 12 months for recordkeeping, audit, and fraud prevention
- Active and completed loan accounts: Kept for at least 5 years after account closure, in line with legal, regulatory, and financial reporting duties
- Customer support and communication records: Kept as reasonably necessary to settle disputes, enforce agreements, and improve service quality
- Data subject to legal or regulatory requirements: Kept for the period required by applicable law, regulation, or lawful order
Data Disposal and Anonymization
When the applicable retention period ends, we may take one or more of the following steps:
- Securely delete or destroy personal data
- Remove identifying details so the data can no longer be linked to a person
- Limit further processing when immediate deletion is not practical, such as in backup systems
Important Note
In some cases, we may keep a small amount of data for a longer period when needed to:
- Meet legal obligations
- Prevent fraud or abuse
- Protect our legal rights or interests
7. Your Rights
Under applicable data protection laws, you may have the following rights:
- Right to access your personal data
- Right to correct inaccurate or incomplete data
- Right to request deletion or blocking of data
- Right to withdraw consent
- Right to object to certain processing activities
- Right to data portability, where applicable
Requests may be sent through: cs@aksyonagad.com
We may ask you to confirm your identity before handling your request.
8. Complaint and Redress Mechanism
If you have any concerns about how your data is handled, you may contact us at cs@aksyonagad.com.
We will review your concern and respond within 15 to 30 business days.
If you are not satisfied with our response, you may raise the matter with the National Privacy Commission (NPC) of the Philippines.
9. Data Security
We apply appropriate technical, organizational, and physical safeguards to protect your personal data, including:
- Encryption of sensitive information
- Access restrictions and authentication controls
- Secure servers and protected infrastructure
- Ongoing monitoring for vulnerabilities and threats
- User data is processed through secure channels and stored on protected servers operated at https://user.aksyonagad.com to help protect privacy and security.
Even with these measures, no system can be guaranteed to be completely secure. We recommend that you also protect your own account credentials.
10. Updates to This Policy
We may revise this Privacy Policy from time to time to reflect legal, technical, or business changes.
Continued use of the App after the updated policy becomes effective means you accept the revised version.
11. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us:
- Address: Suan Building, Sandoval St., Barangay 1, Palawan, Region IV-B (MIMAROPA), Philippines
- Email: cs@aksyonagad.com