Privacy Policy

This Privacy Policy outlines how personal information is collected, processed, stored, and protected when you access or use the Peso Bridge mobile application (“App”).

The App is owned and operated by RR10 LENDING SERVICES INC.
(SEC No. CS202007173 | License No. 3313)
and is made available under authorization from ESQUIRE FINANCING INC.
(SEC No. CS201102284 | License No. 1027).

By installing or using the App, you confirm that you have carefully reviewed and accepted the terms described in this Privacy Policy. If you do not agree with these terms, please discontinue use of the App immediately.

1. Data Handling Principles

We apply strict data responsibility standards and collect only information that is necessary, relevant, and proportionate to our services. Specifically:

Data is collected solely to support lending services, risk evaluation, identity verification, security, and regulatory compliance.

Each data category serves a defined and lawful purpose.

Information unrelated to App functionality or financial services is not collected.

2. Information We Collect and Use

2.1 Personal and Identification Data

Information Collected

Full name, registered mobile number, email address, and date of birth

Government-issued identification details, including ID numbers, ID images, and facial verification photos

Additional information required for account setup, credit evaluation, and loan processing

Purpose of Use

Create, maintain, and manage your App account

Verify identity and reduce impersonation risks

Evaluate eligibility for loan-related services and meet legal obligations

Storage and Retention

Personal data is stored in encrypted systems with strict access controls.

Information is retained only for as long as required for its intended purpose or legal compliance, then securely deleted or anonymized.

Data is securely transmitted to https://bagsjbufe.pesobridges.com for evaluation and removed after assessment.

2.2 SMS and Financial Message Access

Information Collected

With your consent, the App may access and analyze selected SMS messages within the past 180 days that are related to financial activity, including:

Loan or repayment notifications

Credit or billing reminders

Salary or income deposit messages

Other financial alerts relevant to credit assessment

Non-financial or personal messages are not accessed or stored.

Purpose of Use

Support automated and fair credit risk assessment

Detect abnormal behavior and prevent fraud

Storage and Security

SMS-related data is processed in a secure environment with restricted access.

Data is retained only as long as needed for evaluation and compliance.

Information is uploaded to https://bagsjbufe.pesobridges.com and deleted after evaluation.

2.3 Installed Application Information

Information Collected

Limited data related to applications installed on your device, including:

Application and package name

Version information

Installation and update timestamps

No app content, credentials, or unrelated application data is collected.

Purpose of Use

Support financial behavior analysis and credit profiling

Identify high-risk or suspicious device environments

Storage and Security

Data is used strictly for credit evaluation, fraud detection, and risk control.

Access is restricted to authorized systems only.

Data is uploaded to https://bagsjbufe.pesobridges.com and deleted after evaluation.

2.4 Camera and Image Data

Information Collected

Images or videos captured through your device camera, including:

Selfies for facial verification

Identification document photos

Purpose of Use

Confirm identity and reduce impersonation risk

Improve accuracy and efficiency of KYC and verification processes

Storage and Security

All image data is encrypted during transmission and storage.

Used exclusively for verification, compliance, and fraud prevention.

Uploaded to https://bagsjbufe.pesobridges.com and deleted after evaluation.

2.5 Device and Technical Information

Information Collected

Technical and device-related information, such as:

Device brand and model

Operating system and version

Device identifiers permitted by the platform

Purpose of Use

Detect suspicious device activity

Ensure App stability and compatibility

Diagnose technical issues and improve performance

Storage and Security

Device data is securely processed for operational and security purposes only.

Uploaded to https://bagsjbufe.pesobridges.com and deleted after evaluation.

2.6 Emergency Contact Information

Information Collected

With your consent, the App may collect limited emergency contact information that you voluntarily provide through an in-app contact selection process, including:

Contact name

Phone number

The App does not access, scan, or collect your full contact list. Only the contact information you explicitly select is processed.

Purpose of Use

Emergency contact information is collected and used solely to:

Support account verification and credit risk assessment

This information is not used for marketing, advertising, or any unrelated purposes.

Storage and Security

Emergency contact data is transmitted via encrypted channels and processed in a secure environment with restricted access.

Information is uploaded to https://bagsjbufe.pesobridges.com and it is retained only for as long as necessary to fulfill the purposes described above or to meet legal and compliance requirements, after which it is securely deleted or anonymized.

3. Legal Basis for Processing

By accepting this Privacy Policy, you authorize Peso Bridge to process your information for purposes including:

Delivering and managing loan-related services

Conducting credit assessments and automated decision-making

Preventing fraud and unauthorized access

Complying with applicable Philippine laws and regulatory requirements

We do not sell personal data. Information may be shared only with authorized partners or service providers when necessary for service delivery, legal compliance, or security, and always under confidentiality obligations.

4. Managing Permissions

You may manage or revoke certain permissions (such as SMS, camera, or application access) through your device settings at any time.

Please note that disabling essential permissions may limit App functionality, including loan evaluation or approval capabilities.

5. Data Protection and Retention

We implement reasonable technical and organizational safeguards, including encryption, access control, and monitoring.

Protection: Measures are in place to prevent unauthorized access, misuse, or disclosure.

Retention: Data is retained only as long as necessary for service delivery, compliance, dispute resolution, or legal enforcement, and then securely deleted or anonymized.

6. Your Rights

In accordance with applicable laws, you may request:

Access to personal data held about you

Correction of inaccurate or incomplete information

Deletion of data where legally permissible

Withdrawal of consent for specific processing activities

Requests may be submitted using the contact details below.

7. Age Eligibility

The App is intended solely for individuals aged 18 years or older.

We do not knowingly collect personal data from minors. Any such data identified will be promptly removed.

8. Updates to This Policy

This Privacy Policy may be revised to reflect legal, regulatory, operational, or security-related changes.

Updated versions will be made available within the App and take effect upon publication. Continued use indicates acceptance of the revised Policy.

9. Contact Us

For questions, concerns, or data-related requests, please contact:

Email: getintouch@rr10lending.com

We will respond in accordance with applicable laws and within a reasonable timeframe.