We urge all users to carefully examine our Privacy Policy. By engaging with prompts such as “Sign Up”, “I Acknowledge Goodwill Loan's Privacy Policy”, “I Permit the Collection, Use, Disclosure, Retention, Transmission, and/or Processing of My Personal Data in Accordance with Goodwill Loan's Privacy Policy” displayed during the enrollment process or while accessing our services or platform, you signify your understanding and acceptance of the terms within this Privacy Policy concerning your personal data management.




1. Detailed Introduction to Our Loan Service Affiliate


Loan Provider Name: Vamo Lending Inc.
SEC Registration ID: CS20200000915
Certification of Authority: 3261
Customer Support Email: [email protected]
Phone: +63 9562861354
Address: Unit 1606-1607 11th Drive Cor. 9th Avenue, Taguig City, Taguig, Manila, 1630 Philippines




2. Duration for Which Goodwill Loan Retains Personal Data

Your Data is retained by Goodwill Loan only for the duration necessary to achieve the objectives outlined in sections 2 and 10 of this Privacy Policy, ensuring the efficient delivery of our services. Beyond achieving these purposes, your Data might be stored for: (i) complying with legal requirements; (ii) if laws provide for or permit such retention; and (iii) for laying groundwork for legal defenses or actions.



3. Collection and management activities at Goodwill Loan target:

Personal identification metrics, including your name and birth date;
Information from your loan application about your salary, employment, the purpose behind the loan, and mobile device characteristics;
Your reachable contacts, detailed by home address, telephone, and email;
Exclusive borrower insights, such as SSS numbers, occupational data, personal and emergency contact details;
Technical details of your mobile unit, including identifiers, system and OS versions, configurations, account specifics, carrier, and network data, plus display attributes;
These details (referred to as "Info") are acquired via:
The action of downloading or showing intent to apply for a loan via the Goodwill Loan app;
Your engagements with our support or loan facilitation personnel;
Credit assessment services for validating your Info against varied data sources or for fraud mitigation efforts;
The rationale behind gathering and handling your Info by Goodwill Loan spans service delivery or meeting legal requirements. We ensure your Info is collected solely with your explicit permission.




4. Goodwill Loan's Data Application Objectives

Evaluating eligibility criteria for our products, such as credit evaluations, financial capability assessments for requested services, and eligibility for service enhancements.
Facilitating the administration of loans, including transaction processing, fund distribution, and repayment oversight.
Undertaking identity verification to authenticate the information provided by users.
Implementing measures to prevent fraud, illegal financial activities, and unauthorized access to our services.
Committing to the continuous improvement of our offerings based on customer insights and operational data.
Addressing any service discrepancies or challenges encountered by users promptly.
Observing legal and regulatory mandates, particularly concerning customer identification and anti-money laundering practices.
Providing marketing materials and updates on promotions, conditional on user consent for such communications.
Ensuring users are informed about significant service updates or changes.
Partnering with credit monitoring and fraud prevention agencies to reinforce service security.
Delivering customer service and support, utilizing various communication channels as specified in our Privacy Policy.
Rationale for Processing Personal Information:
Our legitimate interest in refining our services, operational efficiency, and engaging in meaningful marketing.
The execution of our contractual obligations, ensuring the delivery of services as requested by users.
Based on explicit consent from users for specific processing purposes, aligning with their preferences and legal requirements.



5. Governance of User Information by Goodwill Loan

Through the acceptance of this Privacy Policy, the Borrower authorizes Goodwill Loan, along with its subsidiaries and partners, to conduct regular credit assessments using the provided information, not only during the loan's term but also for future financial service considerations.

Goodwill Loan guarantees the confidentiality of personal data, with a strict policy against disclosing such information to unrelated third parties, except as strictly required for delivering its financial services. Limited personal data may be shared with selected research partners, with a preference for data anonymization to protect user privacy.
By agreeing to this policy, you permit Goodwill Loan to disseminate your data, when necessary, to:

The broader Goodwill Loan Group network, including associated agents, affiliates, and leadership teams;
Banking and financial partners, credit reference agencies, and organizations specializing in fraud detection and technological support;
External entities tasked with assisting in financial recoveries or operational enhancements;
Appropriate regulatory bodies and entities in the event of legal, merger, or acquisition proceedings;
Other relevant parties under the compulsion of legal directives, for the enforcement of agreements, or for safeguarding the interests of Goodwill Loan and its community.

This structured approach to data sharing is integral to the provision of Goodwill Loan's services, reflecting a commitment to legal compliance and the secure management of user data.




6. Integration of Automated Systems for Credit Analysis at Goodwill Loan

Goodwill Loan incorporates cutting-edge automated technologies to streamline the evaluation of loan applications and financial service eligibility, ensuring rapid and personalized decision-making.

Enhanced Loan Processing: By automating the assessment process, we're able to deliver fast and precise credit decisions, especially valuable for individuals with non-traditional financial backgrounds or those new to credit.
Proactive Fraud and Risk Management: Our automated surveillance tools are on constant alert for signs of fraudulent behavior or inconsistencies in application data, helping to maintain the security of our platform and the financial well-being of our users.
Navigating Automated Decision Outcomes: Should you wish to contest the results of an automated credit decision, Goodwill Loan provides a channel for review by our human specialists. Concerns can be addressed by contacting: .




7. Discontinuation of Promotional Messages

Should you decide to stop receiving any forms of marketing or promotional communications from our end, kindly notify us at email or phone . We commit to promptly processing your request and ceasing to send you such messages, honoring your choice to opt-out of these communications.




8. The Impact of Not Sharing Personal Information

You are under no obligation to provide us with your personal information or consent to its processing. Should you choose to withdraw your consent or not provide the necessary data, please be aware that this may affect our capacity to deliver our services to you effectively. Consequently, this may lead to the termination of our services to you, as allowed by law. Notwithstanding, we may retain your information based on legitimate interests as defined by law, especially in scenarios where outstanding financial obligations exist, to facilitate ongoing collection activities.




9. User Consent and Authorization for the Goodwill Loan

Engaging with the Goodwill Loan App constitutes your:

Consent to the provisions of this Privacy Policy;
Authorization for Goodwill Loan to collect, employ, disseminate, and handle your Information, potentially encompassing various data categories such as personal, sensitive, and confidential information as distinguished by law, as delineated within this Privacy Policy;
Assurance of the authenticity and accuracy of the Information provided to Goodwill Loan;
Permission for Goodwill Loan to verify the truthfulness of your Information;
Understanding that Goodwill Loan's adherence to legal frameworks may necessitate the sharing of your Information with governmental and regulatory authorities, including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting agencies, among others.




10. Facial Data Collection and Use Agreement

User Agreement for Facial Data Use in Account Verification
The integrity and security of your user account are paramount to us. As part of this dedication, the application engages in the collection of facial data during the Know Your Customer (KYC) authentication steps. Please review our practices concerning facial data usage:
Facial Data Collection: We gather information related to your facial attributes and biometric identifiers solely for identity authentication and account security enhancements.
Intended Use of Facial Information: This facial information is utilized exclusively for the KYC verification process, ensuring the legitimacy and protection of your account. This data will not be repurposed for commercial uses.
Privacy and Sharing of Facial Data: We assure you that your facial data remains confidential and is not shared with any external entities without legal requirement or without obtaining your clear consent.
Facial Data Storage and Protection: Rigorous security protocols are in place to guard the facial data stored on our servers, with comprehensive measures adopted to secure your information.
Retention of Facial Data: We hold onto your facial data only as long as it serves the KYC verification need, following which immediate actions are taken to delete or anonymize such data.
Rights Regarding Your Facial Information: You are entitled to access, modify, or request the deletion of your biometric data. Should you have any questions or wish to exercise your rights, our privacy team is ready to assist.

By engaging with our application, you consent to our facial data processing as described herein. Our pledge is to uphold stringent privacy and security levels for all your personal information.

For further details or support, feel free to reach out to our privacy team, committed to ensuring a secure service experience.




11. Contact Information and Policy Updates

For any inquiries or feedback, feel free to email us at: .
We are dedicated to continuously improving our Privacy Policy to better protect and serve you. The current version, effective as of 05-06-2025, is subject to revisions. We encourage you to regularly review this document to stay updated on any changes.