Privacy Policy

1. Who we are (Data Controller)

UNIVERSO LENDING CORP. ("we", "us", "our") is the data controller. SEC No.: CS201118210, CA No.: 1107. Address: 2643M Taft Avenue, Barangay 85, Pasay City, Manila 1300. Contact: dev@universocredit.com.

2. Scope

This policy explains how we process personal data when you visit universocredit.com, contact us, or apply for our personal loan services.

3. Personal data we collect

• Identification and contact data: name, email, phone, address, ID details.
• Financial and application data: income, employment, bank information you provide.
• Usage and device data: IP address, pages visited, cookies and similar technologies.
• Communications: inquiries, feedback, and support interactions.

4. Lawful bases for processing (GDPR Art. 6)

• Contract: to assess and provide your loan application and related services.
• Consent: for optional marketing or analytics where required.
• Legitimate interests: to improve services, prevent fraud, and ensure network security.
• Legal obligation: to comply with applicable laws and regulatory requirements.

5. How we use personal data

• Evaluate eligibility, underwrite, and service loans.
• Operate our website, improve user experience, and perform analytics (where permitted).
• Communicate with you regarding applications, inquiries, and support.
• Ensure security, prevent abuse, and comply with law.

6. Sharing your data

• Service providers processing data under our instructions (e.g., hosting, analytics, KYC partners).
• Authorities and regulators where legally required.
• Business transfers in the context of mergers, acquisitions, or asset sales.
• With your consent or at your direction.

7. International transfers

Where data is transferred outside your country, we implement appropriate safeguards, such as EU Standard Contractual Clauses where applicable.

8. Retention

We retain personal data only for as long as necessary for the purposes set out in this policy, including to meet legal, accounting, or reporting requirements. Specific retention periods depend on the nature of the data and our legal obligations.

9. Your rights

Subject to legal limits, you may have the right to access, rectify, erase, restrict, or object to processing, and the right to data portability. Where processing is based on consent, you can withdraw consent at any time. To exercise rights, contact dev@universocredit.com. You may also lodge a complaint with a supervisory authority.

10. Cookies

We use necessary cookies to operate the site and, where permitted, optional cookies for analytics. You can manage cookies via your browser settings. If we deploy a cookie banner, you can update preferences any time via the "Cookie Settings" link in the footer.

11. Security

We implement appropriate technical and organizational measures to protect personal data. However, no online transmission or storage is completely secure.

12. Children

Our services are not directed to individuals under the age of 18. We do not knowingly collect data from children.

13. Changes to this policy

We may update this policy from time to time. We will post any changes on this page with an updated effective date.

14. Contact us

For questions about this policy or your data, contact: dev@universocredit.com.