We urge all users to carefully examine our Privacy Policy. By engaging with prompts such as “Sign Up”, “I Acknowledge RNG Lend's Privacy Policy”, “I Permit the Collection, Use, Disclosure, Retention, Transmission, and/or Processing of My Personal Data in Accordance with RNG Lend'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. RNG Lend's Approach to Data Employment

Analyzing your eligibility for loans and additional services by examining your credit and financial capacity.
Executing management duties for loans availed under RNG Lend, ensuring smooth transactional processes and repayments.
Authenticating client identities and validating the accuracy of information provided.
Strengthening safeguards against fraudulent activities and unauthorized access to our services.
Initiatives aimed at the betterment and innovation of our service offerings.
Resolution of service-related issues to ensure a seamless user experience.
Compliance with statutory obligations related to customer identification and efforts to combat money laundering.
Opt-in-based marketing communication to inform you of potential offers and promotions.
Regular updates and information sharing about RNG Lend's services.
Collaboration with credit verification and fraud prevention entities to enhance security measures.
Ensuring top-tier customer service and accessible communication channels as per our Privacy Policy.

Justifications for Data Handling:
Driven by RNG Lend's commitment to delivering personalized and secure financial services, enhancing operational processes, and maintaining accurate client records.
Fulfillment of service agreements, ensuring responsive and reliable execution of all client requests.
Based on explicit client consent for specified data processing activities, ensuring transparency and respect for client preferences.





2. The collection and stewardship of your data by RNG Lend include:

Essential identity information such as names and birthdays;
Loan application inputs covering earnings, job details, loan objectives, and particulars of your mobile device;
Various contact avenues, like your mailing address, telephone numbers, and electronic mail;
Detailed borrower information including Social Security details, employment background, acquaintance contacts, and emergency numbers;
Specifications of your mobile equipment, including its ID, operating system type, user configurations, account information, and connectivity details, with screen metrics;
We gather this information (collectively referred to as "Info") through:
The process of installing our app or showing interest in our loan products;
Any form of interaction with our support or loan application teams;
Consultations with credit validation services for data verification against national and private databases or with organizations dedicated to fraud deterrence;
The acquisition and regulation of your Info by RNG Lend is integral to offer you our services or comply with legal obligations. Absent your direct consent, we do not collect your Info.




3. Access and Usage of Personal Data by RNG Lend

In the framework of providing personal loan services, the Borrower permits RNG Lend and its associated entities to engage in continuous credit evaluations throughout the lifespan of the loan. This encompasses using the Borrower's data to assess eligibility for additional loans or other financial and consumer services, potentially offered by RNG Lend or external parties.

RNG Lend pledges to safeguard any information classified under relevant laws as personal data, not disclosing it to third parties unless it's crucial for delivering our services. Nonetheless, for research and development purposes, we might share anonymized personal data with select partners, ensuring that any data shared with third parties is done in a manner that maintains your anonymity.
Under specific circumstances necessitated by section 2 or when deemed appropriate, RNG Lend is authorized to share your Data with:

Entities within the RNG Lend Group, including affiliates, third-party agents, or subsidiaries, as well as executive personnel;
Intermediary financial institutions, market participants, credit referencing agencies, and entities engaged in fraud detection and data management services;
External agencies involved in debt recovery efforts on behalf of RNG Lend;
Regulatory and taxation bodies, as well as entities involved in significant business transactions like mergers or acquisitions with RNG Lend;
Other parties, under legal compulsion to disclose, to enforce our agreements, or to protect the rights and safety of RNG Lend, its users, and stakeholders.

These disclosures enable RNG Lend and the aforementioned entities to process or share your Data in accordance with the objectives outlined in section 2, aligning with the commitments of this Privacy Policy. Additionally, RNG Lend may relay your Data to legal or governmental bodies in response to official requests or when compliance with legal obligations necessitates such action, aiming to prevent fraud, report potential illegal activities, or investigate breaches of our user agreements.




4. Duration for Which RNG Lend Retains Personal Data

Your Data is retained by RNG Lend 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.



5. Asserting Your Rights as a Data Subject

For inquiries or to activate your data subject rights, connect with us at .

Rights to Information and Consent: You are owed comprehensive insights into our data handling practices, including purposes of data use, partners in data sharing, sources of data, and a summary of your rights, all documented within the RNG Lend App and the accompanying Privacy Policy.
Right of Access: You are authorized to access the personal data we retain about you, subject to legal and rights-based restrictions.
Right to Amend: Any inaccuracies in your personal data can be rectified upon your request, possibly requiring evidence to substantiate the modifications.
Right to Deletion: If you believe there's no justifiable reason for us to keep your data, you may request its erasure.
Right to Processing Limitation: You can demand a halt in data processing under specific conditions, such as inaccuracies or unauthorized processing disputes.
Data Portability Right: At your behest, we're prepared to transfer your data to a third party in a structured format or provide you with a directly usable copy.
Right to Dispute Processing: Should our processing of your data be predicated on legitimate interests, you're empowered to challenge this processing as outlined in section 2.
Right to Report Concerns: Should you perceive a violation of your data rights, you're encouraged to file a complaint with the National Privacy Commission of the Philippines or other relevant bodies.Be aware, there might be instances when fulfilling your request is impractical due to overarching legal commitments or exemptions.




6. 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.




7. 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.




8. Agreement and Empowerment Upon Usage of the RNG Lend Application

By downloading and using the RNG Lend Application, you:

Acknowledge your agreement with the terms laid out in this Privacy Policy;
Provide RNG Lend explicit consent to collect, use, share, and manage your Information, which may include personal, sensitive, and confidential categories as defined under applicable laws, following the guidelines of this Privacy Policy;
Certify the accuracy and truthfulness of the Information you have provided and will provide to RNG Lend;
Authorize RNG Lend to verify the accuracy of the Information submitted by you;
Understand that to comply with legal obligations, RNG Lend may be required to disclose your Information to relevant financial and regulatory bodies such as the Bangko Sentral ng Pilipinas, the Anti-Money Laundering Council, credit bureaus, and other oversight agencies as necessary.




9. Facial Information Use and Protection Protocol

User Agreement on Facial Data Collection for Verification Purposes

In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.

By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.

For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.




10. Loan Partner Details

Our Loan Partnering Framework: In line with our commitment to providing top-notch loan and credit solutions, RNG Lend carefully selects its loan providers. We prioritize transparency and wish to share detailed information about these partners with you.

Affiliated Loan Provider Insights:
Name: Fidoph Lending Corporation
License & Regulation Compliance:
SEC Registration: CS201825101
Authority Certificate No.: 2832
Contact Information:
Support Email: [email protected]
Phone Contact: 9512516812
Physical Address: Unit 220 Valero Plaza 124 Valero Street, Salcedo Village Belair Makati, Metro Manila, 1200 Philippines




11. Communication and Policy Enhancement

To communicate with our team, please direct your emails to .
Our Privacy Policy may evolve over time to align with our enhanced privacy commitments. As of 12-04-2024, we suggest that you regularly check this page to remain informed about the most recent version of our policy.