Privacy Policy
(Updated Date: Dec 23, 2025)
Welcome and thank you for visiting EZLoan. This EZLoan Privacy Policy (hereinafter referred to as "Policy") applies when you access or use EZLoan.
EZLoan is an online lending platform operated by Second Pay Financing Inc., a SEC-licensed lending company. EZLoan attaches great importance to and respects user privacy and data security and strives to provide a secure and trustworthy service experience.
Before proceeding, please read this Privacy Policy carefully. If you have concerns or do not agree with our policy please DO NOT provide us any personal information and stop using our application. This Privacy Policy describes how EZLoan ("we", "us", or "our") collects, stores, uses, and protects information you provide directly through EZLoan services or indirectly through third parties for accessing EZLoan's online services. EZLoan will only retain your information for the period authorized or permitted by law or for the duration relevant to the purpose for which it was collected.
EZLoan will only use the information you disclose to us in the manners and for the purposes described in this Privacy Policy. EZLoan will only access and collect your personal information when you voluntarily submit it or explicitly consent to our access to such information. EZLoan collects personal information only when necessary and such collection is relevant to our transactions with you.
We may amend this Privacy Policy from time to time by posting a revised, dated version on this website without prior written notice to you. Please check our website https://ezloancash.ph/ for the most up to date policies. By accessing or using our products or services, you accept the practices described in this Privacy Policy.
Personal Information We Collect
When you use EZLoan, EZLoan will only collect strictly necessary information in accordance with the law to process and fulfill your usage requirements and will not use it for other purposes.Your personal information will be sent and saved at our server: https://gateway.ezloancash.ph using encryption technology.
The specific information collected includes:
-SMS: We will send you a one-time password (OTP) when you register and ask you to input the OTP while registering. The OTP is required to verify your phone number is legitimate. When you try to log-in to our application, you can choose either OTP or password method.
-Location: When the EZLoan application is running in the foreground, we will collect your location data to verify your identity and conduct anti-fraud activities.
-Phone Status: EZLoan collects Wi-Fi address, IP information, device identifier, Android version, internet data disclosure, etc. The purpose is to identify the device used by the user to log in, so that we can recognize the user when they perform operations, and make sure we are lending money to a true trustworthy person.
-Installed Application: EZLoan collects application list installed on your device, including package names, package versions, and application installation times to conduct anti-fraud activities and assess customer's credit risk. For example if a device has more than certain percent of non-Google trusted apps, we may classify the device as a high risk device and assign lower credit scores to the customer.
-Emergency Contact:We only collect the information of your 3 emergency contacts for identity verification, risk management, and anti-fraud checks. This information is used when we are unable to reach you. Only the contacts manually selected by the user will be transmitted to our application in an encrypted manner.
-Camera: Allows the application to access the camera to take photos of identification documents and loan application documents. We only monitor identification documents (your ID card and a photo of you holding the ID card) and other information/documents to ensure compliance with KYC (Know Your Customer) standards.
-Images: During the loan process, we collect image information from users, including image names, types, and sizes, to verify their identity and conduct anti-fraud checks (making sure the person we are lending to is the same person on the ID he or she submitted). It also facilitates the uploading of documents required for the loan application form, such as identification or income proof.
-Financial Information: We collect your bank account details, E-wallet information, credit/debit card information, and transaction history to process loan applications and payments, and to prevent fraud and unauthorized transactions.
-Log Data: DDuring the use of EZLoan, when an error occurs in the application, we collect data and information from your mobile phone (through third-party products). This is referred to as log data. This log data may include information such as your device's Internet Protocol ("IP") address, device name, operating system, version code, configuration of the application when using our services, date and time of service usage, and other statistical data.
-Other information about you to help us better understand you, such as your gender, age, date of birth, nationality, professional association and registration number, relevant information on how you use our products, and demographic information.
The above information is only used for risk control and review when users apply for loans. We promise not to provide user privacy data to any third party without user permission.
Purposes Of Personal Data Collection
Personal data will be processed, collected, used, disclosed, stored, and retained for the following purposes:
-To identify users;
-To do risk assessment and anti-fraud activities;
-To contact users regarding their registered accounts or requested information;
-To facilitate loan processing, including application, review, monitoring, payment, collection, and other remedial measures;
-To maintain internal records;
-To market and offer new, related, or supplementary products and services to users;
-To process account registrations and, as part of investor, borrower, registration, or loan application screening, to determine or assist in determining decisions, and/or to provide users with our products and/or services, as well as any directly related purposes;
Third Party Information
We may collect information about you from a limited number of third parties, such as credit bureaus and other authentication and fraud prevention services. The information we collect from these third-party sources is subject to the privacy policies you have agreed to with those sources and any explicit consent you have provided. EZLoan will never share data with third parties without your permission. It will only be collected with your consent.
Management of Information (Data Security/Share/Access)
Collected data is stored, processed, and protected by EZLoan in the following ways:
-EZLoan is committed to using the latest technology to protect your information. We assure borrowers that all information and payment transactions are protected against any form of fraud. All information and payment transactions are encrypted in storage and transit.
-EZLoan sends verification codes that enable borrowers to use the application.
-EZLoan protects borrowers by allowing them to set dynamic passwords that only they know. Borrowers are responsible for protecting the access codes to their accounts, including user IDs and passwords, to prevent others from accessing their accounts.
-EZLoan uses firewalls and data encryption before, during, and after the submission of credit line applications.
-Only authorized personnel can access borrowers' personal information.
-Disclaimer: While we have made every effort to use the latest technology to protect your personal information, it is still the responsibility of the borrower to protect all personal information when it is being transmitted on their own devices and networks. Any compromised accounts, including but not limited to hacked accounts, stolen accounts, etc., are the responsibility of the borrower.
Who can access users' information?
EZLoan-Employees of Second Pay Financing Inc. and its subsidiaries and affiliated companies, to assist in providing services, help detect and prevent potential illegal activities and violations of our policies, and provide appropriate data analysis on the use of the EZLoan application, including marketing communications.
-Any personnel from this group accessing collected information can only do so after passing the authentication approval process.
We may share your personal information with third parties, including but not limited to the following entities:
-Courts, government officials, law enforcement agencies, or other regulatory bodies, involving subpoenas, court orders, or other legal procedures or requirements stipulated by Philippine laws or regulations, when we need to do so to comply with such laws or regulations, or when we believe, at our own discretion, that disclosing personal information is necessary to prevent physical harm or economic loss, or to report suspected illegal activities or investigate violations of our terms and conditions.
-Credit bureaus and collection agencies, as permitted by law to report account information.
-Customer support, for customer service purposes.
-Banking or financial partners, as permitted by law or required by contractual business relationships.
-Legal departments, to ensure compliance with government rules and regulations and to protect us from harm to the rights, property, or safety of other users of the EZLoan application or the public, as required or permitted by law.
-Service providers, to enable service providers who have contracted with us to support our business operations, such as fraud prevention, billing and collection, marketing, customer service, and technical services.
Cookies
EZLoan and its third-party service providers use technologies such as cookies, tags, and scripts. These technologies are used to analyze trends, manage the website, track users' movements on the website, and collect demographic information about our user base overall. We may receive reports based on the individual and aggregate usage of these technologies by these third-party service providers.
Retention And Deletion
We retain data based on the type of data, how it is used, and how you configure your settings. You can update certain data, such as what you have filled in or uploaded, at any time. We will retain some data until you delete your account, such as information about the frequency of your use of our services. For some data, we will retain it for longer periods if necessary for legitimate business or legal purposes, such as security, fraud and abuse prevention, or financial record keeping. If you wish to delete personal information stored in our system databases, you can find the “Cancel Account” function in our application or contact us at official.hrspfi@gmail.com.When you send us a request to delete data via email, we will follow a deletion process to ensure that your data is securely and completely removed from our servers or retained only in an anonymized form. We will make efforts to ensure that our services protect information from accidental or malicious deletion.
Your Consent
By using the website/application or providing your information, you consent to the collection and use of the information you disclose on the website/application in accordance with this Privacy Policy, including but not limited to your consent to the collection, use, sharing, and disclosure of your information in accordance with this Privacy Policy.
Contact Us
For any questions, clarifications, or requests regarding any aspect of this statement, your exercise of rights related to your personal information, or any feedback you may have on our handling of personal data, you can contact our Data Protection Officer at official.hrspfi@gmail.com. All rights reserved by Second Pay Financing Inc.