Welcome to Stefanini Cash (referred to as "the App" or "we"). We understand the importance of your personal information and are committed to protecting your privacy and security. This Privacy Policy explains clearly and completely how we collect, use, store, share, and protect your personal information when you use our services, as well as how you may exercise your related rights.
Please carefully read and understand the entire content of this Privacy Policy before using our services. Your use of the App signifies that you have fully understood and agreed to our processing of your information in accordance with this Policy.
Stefanini Cash is an online lending application operating in the Philippines, committed to providing users with convenient and efficient short term cash loan services. Users may complete the full process of identity verification, credit assessment, loan application, contract signing, fund disbursement, and repayment management through the App. We assess your credit status through technical means to determine whether to provide you with loan services and corresponding credit limits.
Name of Loan Provider: Wing Of Integrity Lending Corp.
Sec Registration Number: CS201916097
Certificate Of Authority: 3103
Address: 8th Floor The W Fifth Avenue Building, 5th Avenue, Taguig, Metro Manila, 1637 Philippines
To lawfully and compliantly provide you with loan services and conduct risk management, we need to collect and use your personal information. We promise that the information collected will be strictly limited to the scope necessary to achieve specific, explicit, and legitimate purposes.
a) Basic Identity Information
We collect your name, gender, date of birth, government issued identification information (such as passport, driver’s license, SSS/UMID number), and facial recognition features. Such information is used to verify your true identity, comply with Know Your Customer (KYC) and anti money laundering regulations, and ensure loan applications are made by the actual person through liveness verification to prevent identity theft and fraud.
This information is stored encrypted on our secure servers. For identity verification purposes, part of the information may be transmitted to third party certification service providers.
b) Contact and Communication Information
We collect your mobile phone number and email address for account registration, verification code delivery, and business communication.
With your explicit authorization, we may access your device contacts to retrieve your designated emergency contact information. Such information is used only for necessary risk collection activities if you become past due on repayments. Contact information is collected only after your explicit consent and used strictly for your designated emergency contact function.
c) Financial and Credit Information
During loan application and repayment, we require your bank card number and bank account information, and will generate your repayment records, loan transaction records, and credit score. Such information is used for loan disbursement, repayment deduction, account management, assessing your credit standing, repayment capacity, and willingness to pay, as well as ongoing risk management and credit model optimization.
These data are stored on our secure servers and with partner payment processors or financial institutions.
d) Location Information
With your separate authorization, we may obtain your approximate location information (based on IP address or GPS). This information is used for risk assessment and anti fraud analysis, such as verifying whether application behavior matches your usual locations. We only temporarily use such information during service provision and generally do not permanently store precise location history.
Data Transmission and Storage:
Your relevant information is transmitted encrypted to https://www.stefaniniph.com/ to facilitate account verification and authorized processing related to risk assessment.
Your Rights:
· Right to Access and Correction: You have the right to access the personal information we hold about you and request correction of inaccurate information.
· Right to Erasure: You may request deletion of your personal information where permitted by applicable laws and regulations.
· Right to Withdraw Consent: You may disable permissions such as location or contacts through your device settings, or contact us as described below to withdraw consent for specific processing activities. Please note that withdrawal of consent may affect the use of certain core functions.
· Right to Object: You have the right to object to certain processing of your information based on our legitimate interests.
· Right to Account Deletion: You have the right to close your account.
Your Obligations:
· You shall ensure that all personal information you provide is true, accurate, and complete. False information may result in rejection of your loan application or constitute fraud.
· You shall properly safeguard your account password, verification codes, and device, and be responsible for all activities conducted under your account.
· You understand that to complete necessary identity verification, credit assessment, and anti fraud checks, you are required to authorize us to collect and use the information described in Section 3 of this Policy. Refusal to provide core information will result in our inability to provide you with loan services.
To ensure the implementation and secure operation of core App functions, we integrate the following third party software development kits (SDKs). These SDKs may collect part of your information. We have carefully evaluated their data security capabilities and require them to process data in accordance with applicable laws and regulations.
Adjust SDK
· Purpose: Attribution and performance analysis for advertising campaigns, helping us understand the effectiveness of marketing channels.
· Information Possibly Collected: Anonymized device identifiers (such as Google Advertising ID), IP address, installation and interaction events.
Advance SDK (Liveness Verification)
· Purpose: Facial liveness detection and identity verification to ensure applications are made by the actual person, a core technical component to protect your account and prevent fraud.
· Information Possibly Collected: Facial images provided for verification (usually encrypted feature values, not raw photos), device information.
If you decide to stop using our services and wish to delete your Stefanini Cash account, you may do so by following these steps:
1. Log in to the APP and go to the 【Me】 or 【Personal Center】 page.
2. Find 【Account Settings】 or 【Security Center】.
3. Select the 【Delete Account】 option and follow the on screen instructions to complete verification and confirmation.
Important Notice:
Account deletion is irreversible. Once deleted, you will no longer be able to log in using that account, and all information in the account (unless we are required by laws and regulations to retain it) will be deleted or anonymized. Before deletion, please ensure all outstanding loan principal, interest, and related fees have been fully repaid.
If you have any questions, comments, complaints regarding this Privacy Policy, or wish to exercise your personal data rights, please contact us at:
· Email: info@stefaniniph.com
We will review and respond to your request as soon as possible.
· Policy Updates: We may update this Privacy Policy from time to time. After updates, we will publish the new version within the App and notify you through appropriate means (such as push notifications). Please check regularly.
· Protection of Minors’ Information: Our services are only intended for persons aged 18 and above. If we discover that we have inadvertently collected information from minors, we will delete it promptly.
· Data Security Measures: We use industry standard technical and management measures (such as encrypted transmission, access control, security audits) to protect your information from unauthorized access, disclosure, modification, or damage.