WhatsApp Privacy Notice

1. Introduction

Pera Sayo Lending Inc ("we", "our", "us", or "Company") values your privacy and is committed to protecting your personal data.

This WhatsApp Privacy Notice explains how we collect, use, disclose, store, and protect your personal information when you communicate with us through our official WhatsApp Business account.

By initiating or continuing communication with us through WhatsApp, you acknowledge that you have read and understood this Privacy Notice.

2. Information We Collect

When you communicate with us through WhatsApp, we may collect personal information that you voluntarily provide, including but not limited to:

• Full name
• Mobile telephone number
• Loan application reference number (if provided)
• Messages, enquiries, and communications
• Documents, images, or files you choose to send
• Payment-related enquiries
• Customer support requests
• Any other information reasonably required to respond to your enquiry or provide our services

We only collect information that is relevant and reasonably necessary for legitimate business purposes.

3. How We Use Your Information

Information collected through WhatsApp may be used to:

• Respond to your enquiries
• Provide customer service and support
• Verify your identity where appropriate
• Assist with loan applications and loan servicing
• Send requested information or documents
• Provide payment reminders and account-related notifications
• Confirm receipt of documents or payments
• Maintain records of customer communications
• Improve our customer support processes
• Detect fraud or unauthorized activities
• Comply with legal, regulatory, and compliance obligations

4. WhatsApp Communications

Our official WhatsApp Business account is provided as a convenient communication channel for customers.

Communications sent through WhatsApp may include:

• Customer support
• Loan application assistance
• Account verification
• OTP verification (where applicable)
• Document requests
• Loan contract notifications
• Payment reminders
• Payment confirmations
• Collection-related communications
• Other service-related notifications

Important: Please do not transmit passwords, online banking credentials, credit card details, PINs, or other highly confidential information unless specifically requested through a secure process.

5. Use of WhatsApp

WhatsApp is operated by Meta Platforms, Inc.

Your use of WhatsApp is also governed by WhatsApp's own Terms of Service and Privacy Policy.

While we implement reasonable safeguards to protect information under our control, communications transmitted over the internet cannot be guaranteed to be completely secure.

6. Disclosure of Personal Data

We may disclose your personal information where such disclosure is:

• Required by law;
• Required by regulatory authorities;
• Necessary to establish, exercise, or defend our legal rights;
• Necessary to provide our services; or
• Otherwise authorised or permitted under applicable laws.

We do not sell, rent, or trade your personal information to third parties.

7. Retention of Information

WhatsApp conversations and related communication records may be retained for as long as reasonably necessary to provide our services, maintain records, comply with legal obligations, resolve disputes, and protect our legitimate business interests.

When the information is no longer required, it will be securely deleted or anonymised where appropriate.

8. Protection of Personal Data

We maintain appropriate administrative, technical, and organisational safeguards designed to protect personal information against unauthorised access, disclosure, misuse, alteration, loss, or destruction.

Although we strive to protect your information, no method of electronic communication or storage can be guaranteed to be completely secure.

9. Your Privacy Rights

Subject to applicable laws, you may have the right to:

• Request access to your personal information;
• Request correction of inaccurate or incomplete information;
• Withdraw consent where applicable;
• Request deletion where permitted by law; and
• Raise questions or concerns regarding our handling of your personal data.

11. Changes to this Privacy Notice

We may update this WhatsApp Privacy Notice from time to time to reflect changes in our business operations, legal obligations, regulatory requirements, or improvements to our services.