The domain “www.ccmobile.ph” is held and provided by CC Mobile Financial Services Philippines, Inc.
We reserve the right to suspend, limit or terminate your use and access of the Services and/or to cancel your account at any time without further notice and for any reason whatsoever.
We provide our services to you through our website located at www.ccmobile.ph (or any subsequent URL which may replace it) (the “Website”) and through our online content, software and services, whether accessed on the Website or through third-party websites, mobile sites and/or applications (collectively, such services, including any new features and applications, and the Website, the “Services”), subject to the following Terms and Conditions.
You agree that you have read this form, understood its contents, and voluntarily give consent to the collection, use, processing, storage, retention and sharing of your Personal Information by the Company for purpose(s) described in this form. You hereby acknowledge, authorize and consent to the submission, sharing and disclosure of your personal data, as well as any updates or corrections thereof, and for the purpose(s) stated in this form.
In order to review any form submitted through our website, and the application form and provide our Services, we may ask you to provide us with certain personally identifiable information that can be associated with you or that can be used to contact or identify you.
We will collect the following personal information from you when you electronically submit to us your request for a demo, request for financial persona, request for credit score, request for social score, inquiry and application.
- Full Name
- Postal Address
- Mobile Number
- Contact Number Other Than Mobile Number
- Electronic Mail (Email) Address
- Date of Birth
- Details Found in Submitted Proof of Identification, Such as Government-Issued ID Details
Personally identifiable information may also include, but is not limited to, telecommunications company usage data (e.g., call data records, SMS records, subscription data, payment). Personally identifiable information does not include anonymous or aggregated information in a way that does not allow to identify a specific person. We may also request photographs of you, and your Personal Information, as may be applicable, in order to verify all information you supplied to the Company.
We reserve the right, with prior notice to you, to amend the type of Personal Information you may need to provide by adding new components or deleting existing components from our required identification procedure from time to time.
Personal information is collected for documentation and processing purposes within CC Mobile and it is not shared with any outside parties. This is to properly address the request for a demo, request for financial persona, request for credit score, request for social score, inquiry and application by endorsing them to appropriate units for processing, for response and to provide appropriate feedback in a timely manner.
We may also use your Personal Information to:
- Verify your identity and contact details;
- Calculate the user’s credit score;
- Provide our Services;
- Process transactions and send notices about your transactions;
- Contact you and update you on the performance of our Services;
- Communicate with you and process your requests;
- Offer surveys, promotions, and marketing communications;
- Improve our Services;
- Respond to any inquiries, comments, or concerns regarding our Services;
- Fraud detection;
- Telco scoring;
- Exercise the Company’s legal rights for the protection of its interests;
- Other specified and legitimate purposes determined and declared before, or as soon as reasonably practicable after collection of the Personal Information.
- Recognize a computer when a user visits our website
- Track users as they navigate the website
- Improve the website’s usability
- Prevent fraud and improve the security of the website
Sharing of Personal Information
We may share your Personal Information with third parties, which includes, but is not limited to the following entities:
- Parent and affiliates of the Company, to assist in providing the Services, to help detect and prevent potentially illegal acts and violations of our policies, and to provide proper data analytics, including marketing communications;
- Your employer whether private or government;
- Telecommunication companies (e.g., Globe, PLDT, Smart, Dito);
- Credit bureaus and credit scoring companies (e.g., CIC, NFIS, FinScore, etc.);
- Banking, insurance, and financial institutions, as permitted by law, or as required by the contractual business relationship;
- Service providers, to enable service providers under contract with us to support our business operations, such as fraud prevention and detection, marketing, credit scoring, customer service, and technology services;
- Social media platforms (e.g., Facebook, Instagram, etc.);
- E-commerce platforms (e.g., Shopee, Lazada, etc.);
- Courts of law, government officials, law enforcement, or other regulators in relation to a subpoena, court order, or other legal process or requirement under Philippine law or regulation, when we need to do so to comply with such law or regulation, or when we believe, in our sole discretion, that the disclosure of Personal Information is necessary to prevent physical harm or financial loss, or to report suspected illegal activity or investigate violations of our Terms and Conditions;
You authorize the above-mentioned third parties to share your Personal Information.
Only authorized CC Mobile personnel has access to these personal information, the exchange will be facilitated through email and hard copy. We do not share your Personal Information with any third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization. These personal information shall be stored in a cloud storage for (1) year or until the expiration of the retention set by the applicable law.
Should you have any concern on your personal data, wish to update or correct certain personal information or withdraw your consent to the use of any of your information, please send a message to email@example.com.
For complete reference of Data Privacy Act, kindly visit the National Privacy Commission Website at https://www.privacy.gov.ph/
USE OF PERSONAL INFORMATION TO PROVIDE SERVICES
You agree that the Company, directly or through its Partners, may collect, retrieve, process, use and store his/her personal data such as name, age, photographs, fingerprints, other biometric data (e.g., facial recognition and voice recognition), e-mail address, mobile number/s, mobile phone usage data, employment details, income, financial data, financial profile, credit standing, loan payment history, and other information required in the application form for the purpose of determining your financial persona, which includes reviewing and processing your creditworthiness through derivation of a credit score. You hereby consent to the collection of his/her personal data from you, or from other personal information controllers such as, but not limited to, telecommunications companies, private and public credit bureaus and credit information providers, for credit scoring purposes. Your personal data such as mobile number, email address, TIN, SSS, GSIS, identity documentation and address, will be shared to a credit scoring service provider for credit investigation, credit scoring, data analytics, and data profiling, which includes the regular updating of your credit score. The personal data secured may also be used for direct marketing of products and services of Partners.
Throughout the processing of your personal data, your rights under the Data Privacy Act of 2012, such as the (1) right to be informed, (2) right to object, (3) right to access, (4) right to rectification, (5) right to erasure or blocking, and (6) right to damages, shall be upheld. Entities to whom we share your data will also respect the same rights.
CC Mobile offers an independent online service that allows you to establish your financial persona and seamlessly share your Personal Information with your consent to our third party partners, which may offer financial services such as loans. The business of CC Mobile is to identify financial services products such as loan products and services provided by third parties that may be of interest to you. For avoidance of doubt, other than the provision of marketing services, CC Modile does not carry on a lending business, and all loan-related activities referred to on the Services are carried out solely by third parties. Our financial persona service is free. We earn money by charging the concerned third party provider a fee and/or commission for leads generated.
Please bear in mind that nothing on the Services ought to be thought of, or relied upon, as financial advice or a recommendation or endorsement of any of the featured products or services. All information contained in the Services shall only be used for reference only and you should not treat it as any advice given by us. Information on the Services may help you choose the product or service that best meets your needs. However, it is solely your responsibility to conduct research, to seek independent and professional advice, and to ensure the suitability of the product or service that is of interest to you. Ultimately, it is your sole and absolute decision to get or refrain from getting any product or service whether it has been featured on our Services or not.
Please bear in mind that nothing on the Services is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter any contract with you in respect to any product or service. By giving us your details and acting on the call-to-action button, you are making a proposal to get the relevant product or service from the relevant third party based on its terms and conditions. The relevant third party reserves the final right to decide whether or not accept your offer.
We aim to give you uninterrupted access to the Services. However, we cannot assure you of uninterrupted availability of this website. We have the right to suspend, limit or terminate your access to the Services at any time.
We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material or information displayed on the Service at any time without further notice. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Services.
While CC Mobile is an authorized financing company in accordance with Republic Act (R.A.) No. 8556 or Financing Company Act of 1998, with Securities and Exchange Commission Certificate of Authority No. 1111, for purposes of the Services provided in its website CC Mobile does not offer, accept, solicit, procure, loan applications and loans on its own account. Accordingly, CC Mobile does not assume any credit risk in relation to Services provided.
INFORMATION ABOUT LOAN PRODUCTS
Any contract to obtain a loan product will be entered into between you and the relevant loan provider. All products and services described on the Services or arranged by CC Mobile are subject to the terms and conditions of the contract between you and the applicable loan provider. You are advised to read these terms and conditions carefully and to satisfy yourself that you understand such terms and conditions thoroughly (and in appropriate cases, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before you enter a contract for such products or services. If you are in doubt as to your obligations under these Terms and Conditions or if you wish to seek assistance in relation to our services, you are encouraged to contact our marketing team through our website or other publicly available channels.
No loan shall be construed as granted, outstanding, applied for or assumed as a result of your submission of data to CC Mobile on the Services or otherwise unless and until notification of loan approval has been sent to you by the relevant lending company/loan provider.
Unless otherwise specified, products and services described in this Website are not available to persons who are outside the Philippines or to persons who do not possess legal capacity to enter into contracts, such as minors, and accordingly, no contract purported to be entered by these persons will bind CC Mobile.
Where appropriate and with your consent, all documents related to loan products may be sent to you electronically. In cases where loan documents cannot be delivered electronically due to legal constraints, physical forms may be delivered to you upon your request to the loan provider.
Information on the Services and all materials pertaining to products and services on offer are not representative of, and thus must not be treated as a complete description of the particular and individual terms and conditions of, nor the precise cover provided by the relevant product or service. It is your sole responsibility to seek independent and professional advice and to ensure all details and information provided to us and displayed on the Services are accurate and reliable. With respect to any specific product or service, the terms and conditions of the provider of that product or service shall prevail should contradictions arise with the information set out on the Services.
Prior to any loan application being endorsed or provided to you, you should fully and faithfully inform CC Mobile of everything you know, or could reasonably be expected to know that could be relevant in the process or the decision to grant you the requested loan. You are obliged (i) to disclose every fact which would influence the judgment of a prudent lender in determining the appropriate loan terms or determining whether to underwrite the credit risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the lender (even if not asked or prompted by the lender in the proposal form or any other communication between you and the lender, whether through CC Mobile or not) if it is relevant to the nature of the loan sought to be granted. To do otherwise may result in receiving no benefit from your loan product.
You agree that submission of your information on our Services shall never in any way be considered as an acceptance of any offer and/or your request to purchase any product or service, and that nothing on the Services shall be treated as an invitation to do any of these actions. Use of our Service shall not be construed as an offer by CC Mobile to provide a loan product to you.
You must read and accept all applicable terms, conditions, exclusions, and limitations of any policy before entering any agreement or arrangement with a lender. By proceeding with the application of a loan product through the Services you authorize CC Mobile to pass your personal data to the relevant lender.
The Services include certain services that may be available through a mobile device, including (i) the ability to submit information to the Services via a mobile device and (ii) the ability to browse the Services and the Website from a mobile device (together, the “Mobile Services”). To the extent that you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding our products and services and/or our service providers by SMS, MMS, text message or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us.
You are solely permissible to access and use the Services for personal, non-commercial functions, which means this website shall solely be accessed and used directly by a private individual or by a legal entity to find a product or service for that individual or entity and on their own behalf. Access to and use of the Services aside from for your personal, non-commercial functions is strictly prohibited.
In order to protect the safety and well-being of others and the integrity and security of our Services, you agree that you cannot use the Services (or facilitate or support others to do so):
- To do or to share anything that breaches these Terms and Conditions or any policies that we publish and which apply to your use of the Services;
- In any unlawful, fraudulent, improper, unauthorized, harassing, discriminatory, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable manner or in any way that may be harmful or detrimental to our rights (including intellectual property rights) or interests or the rights (including intellectual property rights) or interests of any of our third party providers, or in any manner that could constitute a criminal offence or give rise to civil liability or regulation, in all cases as determined by us; In any way that infringes or breaches our rights or someone else’s rights;
- To produce, check, confirm, update, modify or amend your own or another person’s databases, records or directories.
- To alter or reverse engineer any a part of this website.
- In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.
- Using any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative ‘screen scraping’ computer code, process, program or system.
Anyone using the Services in any of the above ways or engaging in any of the above activities are acting in breach of these Terms and Conditions and should stop using the Services immediately.
You acknowledge that we may establish general practices and limits concerning use of the Services. You agree that we have no responsibility or liability for the deletion or failure to store any data or other content maintained by or uploaded to the Services. You further acknowledge that we reserve the right to change these general practices and limits at any time, in our sole discretion, with or without notice.
You have to take all necessary precautions to make sure that any data, content, material or information you submit or provide to us via the Services (“User Content”) is free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any a part of this Services, our Content or the websites of third parties or the other technology.
You are entirely accountable for your conduct on this website and for your User Content. You need to guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights and trade marks) or alternative rights of any third party (including any right of confidentiality).
Furthermore, your User Content should not violate any law. It should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or prohibited by any applicable laws or regulations. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including without limitation, removing the offending content from the Services, restricting such violator’s access to the Services and reporting the violator to the appropriate authorities.
You must comply with all applicable laws, statutes and regulations when using our Services. You agree that are will be held wholly responsible for any harm, loss, claim, demand, liability or expense (including reasonable legal fees) that we suffer as a result of your breach of these Terms and Conditions, your breach of contract or warranty, willful act or omission, misrepresentation, negligence in relation to, or in association with, your access and/or use of the Services and/or in relation to your submission and accuracy of your User Content.
INTELLECTUAL PROPERTY RIGHTS
You agree and acknowledge that the Services may contain or display data, content, images, material or information (“Content”) that is protected by copyright, trademark, patent, trade secret or other proprietary rights and laws and is our property and/or the property of our third-party licensors. You can print, copy, transfer or store extracts of content, material or information displayed on this website for your own personal use if you abide by the following conditions:
- Content cannot be used for any business or commercial functions without our permission. You will not use any automatic computer code, process, program or system, robot, net crawler, spider, data processing, trawling or alternative ‘/screen scraping/’ computer code, process, program.
- It cannot be sold out or transferred to any third party without our express written consent. The copy should retain any copyright or alternative property notices contained within the original.
- Images displayed on this website are protected by copyright and will not be reproduced or taken in any way without the written permission of the various owner(s).
No logos, trademarks or service marks displayed on this website can be written or downloaded, except as a part of the text of which they are already part of.
You should not modify the paper or digital copies of such data, content, material or information. It shall not be excerpted, reproduced, published, used, reformatted and/or displayed on another website without our written permission.
The standing of us and our licensors as authors of such data, content, material or information should be acknowledged at all times.
Images, logos, trademarks or service marks, displayed on the Services are either our property or the property of our third-party licensors and are protected by the applicable copyright laws, trademark laws, the laws of privacy and publicity and/or other intellectual property law(s). Any unauthorized use of images, logos, trademarks or service marks, displayed on the Services may violate the applicable laws.
All intellectual property rights such as patents, logos, net domain names, ethical rights, data, supply codes, software, specifications, know how, processes and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about the Services (including data, Content, material or information displayed on it) are owned by or our licensors and such rights are reserved. Nothing in these Terms and Conditions or our Services grants you, by implication, estoppel, or otherwise, any license or right to use the Content except as expressly stated in these Terms and Conditions. Except as mentioned elsewhere in these Terms and Conditions, none of the intellectual property rights that belong to us or our licensors in and about the Services (including data or Content displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our express written consent in each instance.
LICENSE TO USE YOUR SUBMISSIONS
EXCLUSIONS OF LIABILITY
We take all efforts to ensure that the information, material and knowledge on the website are correct and to rectify any errors or omissions as soon as practicable when being notified of them. However, we do not warrant and hereby disclaim any warranty, express or implied, as to the accuracy, correctness, reliability, timeliness or non-infringement of any information, material or knowledge contained on the Services which are provided on an “as is” and “as available” basis.
We do not endorse any material information and data submitted or provided by third parties that is presented on the website and you must bear in mind that such information could also be inaccurate, incomplete or out of date. We will not be held liable for any knowledge, material or data on the website that has been provided by third parties.
We aim to give you uninterrupted access to the Services. However, we do not guarantee or warrant that any Content or functions associated with the Services will be uninterrupted or error free, or that defects will be corrected or that the Services and its server will be free of all viruses and/or other harmful elements.
We are not liable and assume no responsibility for losses or damages of any kind however caused as a result (direct or indirect) of the use or access of, or the inability to use and access the Services, including but not limited to any damage or loss suffered as a result of reliance on the Content, and/or arising out of or in connection with these Terms and Conditions whether in contract, tort or otherwise, even if we have been informed of the possibility of such damage.
We are not accountable and exclude all liability for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used the Services. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of the Services which was not foreseeable by us when you used the Services.
Notwithstanding the foregoing, nothing in these Terms and Conditions shall limit our liability for personal injury or death, fraud, or for any other liability the exclusion or limitation of which is not permitted by any applicable law or regulation.
You will be able to apply for a variety of products and services via this Website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not responsible or liable for (directly or indirectly) for any loss or harm you will suffer or incur as a result of any product or service you received and/or purchased in a result of or on the basis of using the Services or for any acts, omissions, errors or defaults of any third party in reference to that product or service. While we aim to provide accurate and up-to-date information for all products featured on the Services, we are not liable and do not assume any responsibility for the accuracy of any information relating to third party products and services on this Website. There may be some discrepancies between the information provided on this Website and the information contained in the third-party service provider’s websites. Please bear in mind that the data and descriptions of products and services on the Services might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and the terms and conditions of any product or service before purchasing it.
When you apply for a loan product through the Services, please ensure that all details are correct; under no circumstances will refunds be provided by us for loans obtained from third parties. Neither CC Mobile nor its affiliates will have any liability for refunds once the loan application has been granted and the loan has been disbursed.
THIRD PARTY LIABILITY
Our Services may provide you with access to third-party websites. The views expressed in third-party websites do not represent our views and we will not be responsible for the accuracy or content of any such views or expressions. Use of the hyperlinks and access to such linked websites are entirely at your own risk.
We offer links from this website and from emails sent to you as a part of our service to third parties. Due to this, we tend to mention websites that are operated by third parties that we do not manage. You access and use these third party websites at your risk and your sole discretion. You are entirely liable for any use of those third party websites and for any call to get or refrain from getting any of the products or services on such third party websites.
Any links to third party websites are provided for your interest and convenience as a user of the Services. We are not accountable for any loss or harm you will suffer or incur as a result of use of any third party websites or for any acts, omissions, errors or defaults of any third party mentioned on this website. In no circumstances shall we be considered associated or affiliated in whatever manner with any trade or service marks, logos or insignia that appears on such third-party websites.
The Services are controlled and operated in Philippines. These Terms and Conditions, and any non-contractual obligations arising out of or in connection with these Terms and Conditions, will be governed by the laws of Philippines and you irrevocably agree to submit to the exclusive jurisdiction of the courts of Philippines.
We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please contact us on firstname.lastname@example.org. For the purposes of handling complaints, our working hours are from 10 a.m. to 6 p.m. every Monday to Friday, excluding Public Holidays.
We cannot answer complaints on behalf of a third-party product or service provider or accept or admit responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to lodge a complaint with them.
THIRD PARTY CONSENT
“The Applicant agrees that CC Mobile Financial Services, directly or through its Partners, may collect, retrieve, process, use and store his/her personal data such as name, age, photographs, fingerprints, other biometric data (e.g., facial recognition and voice recognition), e-mail address, mobile number/s, mobile phone usage data, employment details, income, financial data, financial profile, credit standing, loan payment history, and other information required in the application form for the purpose of reviewing and processing the Applicant’s loan application. The Applicant consents to the collection of his/her personal data from the Applicant her/himself, or from other personal information controllers such as, but not limited to, telecommunications companies, private and public credit bureaus and credit information providers, for credit scoring purposes. The Applicant’s personal data such as mobile number, email address, TIN, SSS, GSIS, identity documentation and address, will be shared to a credit scoring service provider for credit investigation, credit scoring, data analytics, and data profiling, which includes the regular updating of the Applicant’s credit score. The personal data secured may also be used for direct marketing of products and services of Partners
Throughout the processing of the Applicant’s personal data, his/her rights under the Data Privacy Act of 2012, such as the (1) right to be informed, (2) right to object, (3) right to access, (4) right to rectification, (5) right to erasure or blocking, and (6) right to damages, shall be upheld. Entities to whom we share your data will also respect the same rights.”