Patakaran sa Privacy

Last Updated: April 11, 2025

Welcome to Kredit Utang’s Privacy Policy. This document outlines who we are, how we handle your personal information, and the safeguards we apply to protect your data. At Kredit Utang, we are committed to maintaining transparency and protecting your personal information in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173) and applicable Philippine data protection regulations.

Who We Are

We are Kredit Utang, a digital platform dedicated to helping you discover, compare, and understand financial products and services that best suit your needs. We do not offer financial products directly but provide information and comparisons to help you make informed decisions. Your privacy and data protection are core to how we operate.

What Kind of Data We Collect

  • Personal Information: Data that can identify you directly or indirectly, including your name, email address, phone number, and other contact details.

  • Non-Personal Information: Aggregated or anonymized data such as website usage statistics, click patterns, access times, device types, and location data.

How We Collect Your Information

  • Information You Provide: When you register, complete forms, or request information.
  • Automated Collection: Via cookies, web beacons, and similar technologies as you browse our website.
  • Third-Party Sources: From our partners, affiliates, or public sources, with your consent.

Why We Collect and Use Your Data

We use your data to:

  • Verify your identity and prevent fraud.

  • Recommend personalized financial products and services.

  • Communicate relevant offers, content, and news.

  • Conduct platform research, improve features, and enhance services.

  • Display advertisements that align with your interests (using services like Google AdSense).

Please note: Some features on Kredit Utang may require registration and the provision of personal information to function effectively.

How We Share Your Data

We do not sell your personal data. However, we may share it in the following circumstances:

  • With affiliated companies within our corporate group to offer relevant content and services.

  • With external partners only when necessary to fulfill your requests or deliver recommended products and services.

  • When required by Philippine law, such as to comply with a legal process or law enforcement request.

  • With third-party advertising networks (e.g., Google) to display relevant ads, under their respective privacy policies.

All third parties accessing your personal data are required to handle it according to this Privacy Policy and applicable data protection laws.

Your Rights Under Philippine Law

As a data subject under the Data Privacy Act of 2012, you have the right to:

  • Be informed of how your data is collected and used.

  • Access your personal data.

  • Correct any inaccuracies in your data.

  • Object to the processing of your data in certain circumstances.

  • Withdraw consent (where applicable).

  • Request deletion, blocking, or suspension of your personal data, subject to legal limitations.

  • File a complaint with the National Privacy Commission (NPC) if you believe your rights have been violated.

Cookies and Ad Technologies

We use cookies and similar technologies to enhance your experience. Third-party advertisers may also use cookies to deliver personalized content and track your engagement. You can manage cookie settings in your browser at any time. To opt out of Google’s personalized ads, visit Google Ad Settings.

How We Protect Your Data

We implement industry-standard measures to ensure the security of your personal data, including:

  • Secure cloud storage (e.g., Google Cloud).

  • Encryption and access control.

  • Regular audits and internal security protocols.

  • Incident response mechanisms in case of a breach.

While no system is 100% secure, we are committed to responding swiftly to any incident and notifying affected individuals as required.

Important Notes

By using Kredit Utang, you confirm that:

  • You are at least 18 years old and have full legal capacity to use our services.

  • You acknowledge and accept this Privacy Policy and our Terms of Use.

  • Kredit Utang will never request payments or ask you to confirm sensitive personal data via email.

  • We may occasionally invite you to participate in surveys to improve our services.

Contact Us

For privacy-related questions, requests, or concerns, you can reach out to our Data Protection Officer (DPO) at: [email protected]

We reserve the right to amend this Privacy Policy from time to time. We encourage you to check this page regularly for updates. Continued use of our services implies your acceptance of any changes made.

Date of Last Update: April 11, 2025

Kredit Utang is a digital platform that offers financial information and product comparison services. Our platform is funded through advertising and partnerships with financial institutions. Compensation received may influence the ranking or presentation of products featured on our site.
We make every effort to ensure that the information we provide is accurate and up to date. However, product details may differ from those published on the official websites of financial institutions. Kredit Utang does not guarantee the accuracy, completeness, or timeliness of all content at all times.
Please note that Kredit Utang does not offer financial products or services directly. We do not perform credit checks, approve applications, or make credit decisions—these processes are solely handled by the financial institutions themselves. Kredit Utang does not request payments, facilitate money transfers, or charge any fees for using our services.
Users are encouraged to verify all product details directly with the relevant financial institution. We strongly advise reviewing the official terms and conditions of any financial product before applying or entering into an agreement.
For details on how Kredit Utang collects, uses, and safeguards your personal data, please refer to our Privacy Policy. By accessing and using this website, you confirm that you have read, understood, and agreed to our Terms of Use and Privacy Policy.