XLKASH LENDING CORP.
SEC Registration No. CS201917309 CA No. 3136.
Address:19B East Wing, 19th Floor, Octagon Center, San Miguel Avenue,
Ortigas Center, San Antonio,

XLKASH Lending Corp.(“Company”), its assigns, and related companies in the conduct of its business value the privacy of XLKASH Lending Users and any person who use, access, download, browse, or register with the XLKASH Lending service on the XLKASH Lending website, its application (“XLKASH Lending Application”), or other related digital medium or media including social media (“XLKASH Lending Facility”) in compliance with the Republic Act 10173 or the Data Privacy Act of 2012, and its Implementing Rules and Regulations. This Privacy Policy sets out the policies of the Company, its assigns, and related companies in relation to any and all types of personal information described in this Privacy Policy, including sensitive personal information.
This Privacy Policy applies solely to the XLKASH LENDING application ("App") owned and operated by XLKASH Lending Corp. ("Company"). Last updated: AUGUST 2023.
If you have any questions, concerns, or suggestions, please contact us at 09774871003.
The Information We CollectTo avoid fraud, when you sign up for XLKASH LENDING account, in addition to your login username and password, we will also ask for your name, email address birthday, gender. We need your authorization and/or permission to your Call Log Information,camera,Media/Photos/Files,SMS,Contacts,APP Installed,location, phone book, internet and any other information access.
Call Log InformationBy making voice calls to you and collecting your call records, This will allow us to verify that you have installed our app on your phone and received a voice call from us with a code. Specifically, we will monitor your call logs to see if you received the dynamic password verification logs sent by our app.On the other hand,this helps us evaluate your credit, detect fraud and secure your account. You can disable the authorization access in the system settings, but this may affect your loan assessment result.
The call record information (such as call duration, call number, call status) that we collect with your authorization will be transmitted and uploaded to our server (https://lpj-xlkash.leapgen.net/api/common/upload) with HTTPS encryption. And we don't share any of your personal data with third parties.
CameraWe require the camera information permission to allow you to click photos of your KYC documents and other requisite documents and upload the same on the Platform during your loan application journey to complete your loan application form.
Media/Photos/FilesWe require permission for media, photos, and files, allowing the Platform to enable you to upload photos or documents to complete the application form during your loan application journey.
Monitor and Collect: When you upload photos using features such as photography, the App collects your images as part of the information with your permission to assess your risk profile and determine your loan eligibility.
Purpose: To help you fill in relevant pictures and other information during the loan application process. In addition, this information is required for risk analysis so that we can check and refer to it to assess your risk profile and confirm your eligibility for a loan.
Data storage: With your consent, data will be encrypted and uploaded to our dedicated server https://lpj-xlkash.leapgen.net/ via HTTPS protocol. We do not share this data with third parties.
SMSMonitoring and Collection: With your consent, all SMS data will be encrypted and uploaded to the server by the application. We collect SMS content from your inbox, including sender number, sender name and SMS content, this SMS data also includes your historical calendar information, but we only use financial related information and analyze whether the user is qualified for a loan.
Purpose: To identify and analyze your behavior and risk when you have multiple loans, to assess whether a loan can be processed by anti-fraud collection, by collecting and tracking detailed transactions and amounts for financial and non-personal text messages. It will be used to check the eligibility and risk assessment of the customer. Other SMS messages will not be evaluated. We analyze the user's text messages, verify and track their financial transactions in the dashboard, and give accurate credit limit based on their spending budget and ability to pay. This helps us identify the different bank accounts you may have, cash flow patterns, and the amount of transactions you as a user can process.In addition,we use SMS to auto-fill the verification code during the process of verifying the validation of your financial account when you add your beneficiary's bank or e-wallet account. It's alsoused for the purposes of risk analysis.
Data storage: With your consent, data will be encrypted and uploaded to our dedicated server https://lpj-xlkash.leapgen.net/ via HTTPS protocol. We do not share this data with third parties.
ContactsWe also need to collect your guarantors' information. We will request the "Read Contacts" permission so that users can select contacts from the contact list and automatically fill them into the guarantor list. The contact information will only be used for our “Know Your Customer” purpose but not be provided to any third parties. If you agree to the authorization, we will upload the guarantor information to https://lpj-xlkash.leapgen.net/api/user/contacts using the most secure data transfer protocol (HTTPS). We will store your personal information through DES and AES encryption. Storage time will not exceed your usage time.
APP InstalledUse installed APPs help us identify your credit level and recommend suitable credit products;
Third-party SDK DirectoryWe integrate third-party software development kits (SDKs) for thorough evaluation and will promptly disclose the latest updates regarding their integration. Please refer to the official privacy policies of each respective third-party SDK for detailed information.
SDK Name: tongdun
Purpose of use: App Device fraud risk identification.
Collected Personal Data Types: Mobile terminal unique identification information (IMEI/IDFA), Android ID, IMSI, MEID, MAC address, SIM card serial number, device serial number, device type, device model, system type, geographical location, login IP address, application Program list, running process information, sensor (light sensor, gravity sensor, magnetic field sensor, acceleration sensor, gyroscope sensor) related device information.
Third-party SDK Privacy Policy: https://www.tongdun.cn/other/privacy/id=1
SDK Name: Kochava
Purpose of use: App attribution analysis
Collected Personal Data Types: Device information, advertising identifiers (adid/oaid)
Third-party SDK Privacy Policy: https://www.kochava.com/
SDK Name: Udesk
Purpose of use: Online customer service
Collected Personal Data Types: Device information
Third-party SDK Privacy Policy: https://www.udesk.cn
SDK Name: Advance
Purpose of use: Facial data collection and verification
Collected Personal Data Types: Device information, facial information
Third-party SDK Privacy Policy: https://in.advance.ai/static/html/privacy-and-security-statement.html
SDK Name: Firebase
Purpose of use: App attribution analysis
Collected Personal Data Types: Device information, advertising identifiers, etc.
Third-party SDK Privacy Policy: https://policies.google.com/privacy?hl=en#infocollect
The data is used only for the credit assessment process and will not be shared with third-party organizations without your permission. We are committed to encrypting the data and ensuring the security of the information. By ticking on the check the box, you confirm that you are fully aware of and agree to the application and related terms. If you do not agree to the authorization, the application will stop working and will not be able to serve you. If you are not granted a loan, the information you provided will not be leaked, and the information you provided will only be used for loan assessment purposes, and the information will never be used for other purposes. If you do not repay during the repayment period, we have the right to access and use the your personal contact information, including FB, Instagram, Google+, etc.
All names and other information, which relate to Users shall be handled in the manner set out in this Privacy Policy. We only collect information where it is necessary for us to do so and we will only collect information if it is relevant in our dealings with Users. We will only keep User information for as long as we are either required by law or as is relevant for the purposes for which the information was collected.
You may visit the XLKASH Lending Facility and browse without having to provide personal details. During visits to the XLKASH Lending Facility, you may choose to remain anonymous and at no time can we identify Users of the XLKASH Lending Facility unless you have a XLKASH Lending Account and log on with a username and password.
When you use the XLKASH Lending service with the XLKASH Lending Facility whether via the XLKASH Lending website or XLKASH Lending Application, you agree to this Privacy Policy and the processing of your personal information, including your Personal Data, in the manner provided in this Privacy Policy. If you do not agree to these terms, please do not use and exit the XLKASH Lending Facility.
How are your personal data collected and handled?When a User uses the XLKASH Lending Facility, creates or registers an account, uses the XLKASH Lending Application, receives a disbursement, pays using a bank, a payment gateway, a payment provider, or through other collections partners, or when a User avails of any other feature or products and services of the XLKASH Lending Facility and those provided by its service providers, the following personal information (“Personal Data”) may be collected:
The above information shall be obtained (from the User or on the User’s behalf from other sources) upon the User’s registration over the XLKASH Lending Facility or upon the User’s application to avail any XLKASH Lending products and services and the information shall be collected, used, processed, disclosed, retained, stored, and protected by the Company in accordance with this Privacy Policy and the XLKASH Lending Terms of Service.
The Personal Data may be collected through the following means:
You must submit to us information including Personal Data which is true and accurate and not misleading and you must keep it up to date and inform us of changes. We reserve the right to request documentation to verify information provided by you.
How do you submit Personal Information / Personal Data?We will only be able to collect your Personal Data if you voluntarily submit the information to us. If you choose not to submit your Personal Data to us or subsequently withdraw your consent to our use of your Personal Data, we may not be able to provide you with some or all of the services available through the XLKASH Lending Application or XLKASH Lending Facility. You may access and update your Personal Data submitted to us at any time.
What is the relation of my social media accounts with my XLKASH Lending account?When you sign up for XLKASH Lending using your social media, e-commerce, transportation or other online/mobile account (the “Online Account”) or link your XLKASH Lending Account to your Online Account or use certain other XLKASH Lending Facility features, we may access information about you (and in linking your XLKASH Lending Account to your Online Account you consent to us doing so) which you have voluntarily provided to the Online Account provider in accordance with the provider’s policies and we will manage your Personal Data which we have collected in accordance with the XLKASH Lending Privacy Policy.
How does my use of XLKASH Lending relate to IOS and Android Platform?When you use the XLKASH Lending Application on a mobile platform, we may collect and record certain information such as your unique device ID (persistent/non-persistent), the hardware type, media access control (“MAC”), address, international mobile equipment identity (“IMEI”), the version of your operating system (“OS”), your device name, your email address, your profile information (if connected to any social media account including Facebook), and your location based on your Internet Protocol (“IP”) address. This information is useful to us for troubleshooting and helps us to understand usage trends. Whenever you use the XLKASH Lending Application, we may collect data about all of your interactions with the XLKASH Lending Application or usage of certain features of the XLKASH Lending Facility via server log files. This data is stored offshore within our cloud server.
What is my log data and how will it be used?When a User or visitor visits the XLKASH Lending Facility, the User’s or visitor’s browser may send the Company Personal Data which the Company collects for statistical and internal record-keeping purposes. The process of collecting this information is called “Log Data”, and may include information such as the computer’s IP address, browser type, browser version, the visited pages of the XLKASH Lending website, the time and date of the visit, time spent on the pages or other channels of the XLKASH Lending Facility including the XLKASH Lending Application, and other statistics.
What are the other ways to collect my personal information?We may also acquire information from you through (1) your access and participation in the XLKASH Lending service and/or the XLKASH Lending Application or Facility; (2) your participation in surveys regarding the XLKASH Lending service and/or the XLKASH Lending Application or Facility; and/or (3) your participation in a promo or contest through the XLKASH Lending service and/or the XLKASH Lending Application or Facility.
What are cookies?A cookie is a small text file which asks permission to be placed on the visitor’s computer hard drive. A cookie may be transferred to your computer or device, to identify a user’s computer or device and to “remember" things about your visit through your computer or device, such as your preferences or a user name and password. Once the visitor agrees, the file is added and the cookie helps analyze web traffic or provides internet usage information. Information contained in a cookie may be linked to your Personal Data for purposes such as improving the quality of the XLKASH Lending service, tailoring recommendations to your interests, and making the XLKASH Lending service easier to use. A visitor can instruct his or her browser to refuse all cookies or to indicate when a cookie is being sent. You can disable cookies at any time, although you may not be able to access or use some or all of the features of the XLKASH Lending service or the XLKASH Lending Application. A cookie in no way gives the Company access to the visitor’s computer or any information about the visitor, other than the data the visitor chooses to share with the Company.
We may feature recommendations served by third parties that deliver cookies to your computer or device so the content you access and recommendations you see can be tracked.
What are third-party recommendations?We may feature product and retail partner information within the XLKASH Lending service or the XLKASH Lending Application or Facility. The partner may collect and use information about you or your computer or device, such as your XLKASH Lending service session activity, device identifier, MAC address, IMEI, geo-location information and IP address. They may use this information to provide recommendations or product information of interest to you. Since the third-party partner companies associate your computer or device with a number, they will be able to recognize your computer or device each time they send you recommendations or product information. These partners may (if you provided your consent and accepted their terms or use, privacy policy or similar document) may use information about your visit to the XLKASH Lending Application or XLKASH Lending Facility for the XLKASH Lending service and third-party sites and applications by your computer or device in order to measure your interaction and response to the recommendations and/or product information for tracking purposes performance and to provide you with better and more appropriate recommendations or product information about goods and service of interest to you. In addition, you may see the XLKASH Lending service or XLKASH Lending Application advertised in other services or facilities. After clicking on them, you may register to become a user of the XLKASH Lending service. This Privacy Policy does not apply to and we are not responsible for the data collection practices of these third-party partners, and we encourage you to check their privacy policies to learn more about their use of cookies and other technology.
What are third-party tracking tools?Our service may contain third-party tracking tools from our service providers. Such third parties may use cookies, APIs and SDKs in our services to enable them to collect and analyse user information on our behalf. The third parties may have access to information such as your device identifier, MAC address, IMEI, locale (specific location where a given language is spoken), geo-location information, and IP address.
What is your responsibility over Third-Party Personal Data that you supply?If you provide us with any Personal Data relating to a third-party individuals (e.g. information of your spouse, children, parents, and/or employees, etc.), including those submitted for Related Party Contact and Third Party Contact, and other references, by submitting such information to us, you represent and warrant that you have obtained the consent of the third-party to provide us with their Personal Data for the respective purposes in accordance with this Privacy Policy (including sharing and disclosure of information to such third parties, if necessary) for the use by the Company and the lender such that it is considered as legally obtained by the Company and the lender, for the purposes and use as enumerated in this Privacy Policy. The Personal Data may be processed on behalf of the Company by personal information or personal data processors including the lender, in each case mindful of Users’ and data subjects’ rights and the Company’s obligations under the Data Privacy Act of 2012.
How do you give your authorization and consent to collection of information including personal data?The User expressly and unconditionally consents to the access, possession, collection, storage, processing, use, analysis and/or distribution, disclosure, display, and delivery of any information (including Personal Data) related to the User, and to the transfer of such information to any third parties, including, but not limited to, the organizer/operator of payment facilities, third-party service providers, and third-party sellers, credit bureau and governmental bodies/agencies. The User acknowledges and authorizes: 1) the regular submission and disclosure of the User’s basic credit data (as defined under Republic Act No. 9510 and its Implementing Rules and Regulations) to the CREDIT BUREAU as well as any updates or corrections thereof; and 2) the sharing of the User’s basic credit data with other lenders authorised by the CREDIT BUREAU, and credit reporting agencies duly accredited by the CREDIT BUREAU.
By downloading and using the XLKASH Lending Application and/or the XLKASH Lending Facility, the User hereby expressly gives consent and authorization and is deemed to make the following statement:
“By downloading XLKASH Lending, I hereby give consent to the collection and processing of my personal information for legitimate business purposes, included but not limited to determining my credit score and providing a loan. I hereby certify that all the information provided by me is true and correct to the best of my knowledge, and that any misrepresentations or falsity therein will be considered as an act to defraud XLKASH Lending Corp. (COMPANY), its partners and affiliates. I authorize COMPANY to verify and investigate the above statements/information as may be required, from the references provided and other reasonable sources. For this purpose, I hereby waive my rights on the confidentiality of client information and expressly consent to the processing of any personal information and records relating to me that might be obtained from third parties, including government agencies, my employer, credit bureaus, business associates and other entities you may deem proper and sufficient in the conduct of my business, sensitive or otherwise, in accordance with Republic Act No. 10173 for the purpose of determining my eligibility for a loan which I am applying for. I further agree that applications and all supporting documents and any other information obtained relative to this application shall be used by and communicated to COMPANY, and shall remain its property whether or not my credit score is determined, or the loan is granted. I expressly and unconditionally authorize COMPANY to disclose to any bank or affiliate and other financial institution any information regarding me including the handling thereof to the Bangko Sentral ng Pilipinas, the Securities and Exchange Commission, Anti-Money Laundering Council, Credit bureaus and/or any other governmental body. In particular, I hereby acknowledge and authorize: 1) the regular submission and disclosure of my basic credit data (as defined under Republic Act No. 9510 and its Implementing Rules and Regulations) to the credit bureau as well as any updates or corrections thereof; and 2) the sharing of my basic credit data with other lenders authorized by the CREDIT BUREAU, and credit reporting agencies duly accredited by the CREDIT BUREAU.”
The User hereby consents to and authorizes COMPANY and the lender and/or their third-party partners for the purpose of providing the Services, including conducting user profiling, identify check and verification, fraud detection, monitoring and prevention, credit investigation, credit scoring and credit collection, to obtain pertinent credit, transaction and Personal Data from his/her employer, banks, credit card companies, retailers, telecommunications providers, IT services, and other relevant institutions in the course of such investigation, to verify any and all of the collected information of User, to collect any and all information related thereto, and to process any such information, from whatever relevant source. The User further acknowledges, understands, accepts and agrees that the User’s Personal Data may be shared to a business and/or or marketing partner, corporate (i.e. registration using a referral code, link, banner or similar referral identification method) or individual who have referred the User to register, obtain a loan or otherwise obtain or avail of the services from the XLKASH Lending Facility using a unique identifier (i.e. reference code) for such corporation or individual.
The User hereby consents to and authorizes the release by COMPANY, its subsidiaries and affiliates, his/her employer, the banks, the credit card companies, to release any and all information required by COMPANY, its subsidiaries and affiliates and/or its third-party partners, such as, but not limited to, the following:
For the avoidance of doubt, the User hereby acknowledges and agrees that COMPANY and/or a lender in the XLKASH Lending Facility, may, conduct the processing of Personal Data on its own, or at its sole discretion and option, outsource the processing and use of such information to third-party subcontractors and/or service providers, within or outside the Philippines. Such third parties may include, but is not limited to, any member of the Company, COMPANY and its subsidiaries and affiliates, which in each case shall be subject to an outsourcing agreement in accordance with law.
For avoidance of doubt, the User hereby acknowledges and agrees that lender, its third-party subcontractors, COMPANY and its subsidiaries and affiliates may share any and all information relating to User to each other for any legitimate business purpose including, but not limited to, credit investigation, credit scoring, credit collection, product and systems development, sales and marketing activities, communications relating to their products and/or services, and the like.
What are the use/purpose of personal data?The Personal Data shall be processed, collected, used, disclosed, stored and retained for the following purposes:
As some practical examples in connection with the above-mentioned uses and purposes, we may use information of Users to:
Your Personal Data may be shared with the Company and its affiliates in the conduct of its business for processing as may be required in the maintenance and performance of its duties and responsibilities under the XLKASH Lending Facility, in accordance with applicable laws, rules and regulations. The Company or entities which are its subsidiaries or within its affiliate network may, as necessary, be engaged by COMPANY as subcontractors or data processors in each case with respect to the purposes enumerated above.
Personal Data in connection with a lender may be shared with borrowers availing the XLKASH Lending services. As a borrower, your Personal Data will be shared with the lenders in order to allow the lenders to assess your credit history and such other information the lender will require to confirm your credit history and credit score and to determine or assist in determination of decisions as part of screening of borrowers, registrations, pre-approval of the lender’s financial products and services or loan applications. Your information may also be shared with third-party purchasers of any loans including Non-Performing Loans. In the event that your loan or other financial product is assigned, ceded, taken over, purchased or is otherwise transferred to any other party, all your records, transactions, any other information (including personal and sensitive personal information) about you, as it relates to the issuance, history, basis, and status of such loan or financial instrument, shall be shared, transferred and delivered to such third party.
In general, User Personal Data may be disclosed to the following:
You as a User hereby acknowledges and agree that COMPANY may share any and all information relating to you as a User to third parties for purposes provided under this Privacy Policy, for any legitimate business purpose including, but not limited to, credit investigation, credit scoring, credit collection, fraud detection, fraud prevention, fraud monitoring, product and systems development, sales and marketing activities, communications relating to the development of their products and/or services, and the like.
All data processing, subcontracting or data sharing agreements will be in accordance with the requirements under the Data Privacy Act of 2012, or applicable laws and regulations as may be hereafter passed and implemented. To the extent that such processing, subcontracting, or data sharing requires notice or consent, we will provide or request for such notice and/or consent, in each case, prior to any processing or sharing of your Personal Data.
Please note that should you agree to sharing of information with other third parties for their own marketing purposes, handling of your Personal Data shall be subject to their separate privacy policies and should you wish to opt-out of marketing or promotional emails from these third parties, you should contact these parties directly.
We may release your information including Personal Data as permitted by law or when we believe that release is appropriate to comply with the law; enforce or apply our rights; or protect the rights, property, or safety of us or our users, or others. This includes exchanging information with other companies and organizations for fraud protection. We may share your information in connection with any merger, sale of our assets, or a financing or acquisition of all or a portion of our business to another Company. We may share aggregate or anonymous information about you with advertisers, publishers, business partners, sponsors, and other third parties.
On occasion, we may share to or obtain user-level data collected about you from third parties (including affiliates), for purposes beyond the specific examples noted in this Privacy Policy. User-level data is information that is associated with your specific device and is not aggregated with other data. For example, we may share to or obtain data from third-party data that reveals that you have viewed certain sites or used certain apps or features, but you will not be personally identified with such information. Rather, the user-level data will be associated with an anonymous identifier.
How will your personal data be stored?The data including Personal Data that we collect from you may be transferred to, and stored at, a destination outside the Philippines. It may also be processed by staff operating outside the Philippines who work for us or for one of our suppliers. These staff members may be engaged in the fulfillment of your requests. By submitting your Personal Data, you agree to this transfer, storing or processing of data. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. We may also disclose your data to anyone we consider necessary in order to provide you with services in connection with an account.
Where we have given you (or where you have chosen) a password or PIN that enables you to access certain parts of the XLKASH Lending Facility, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Data, we cannot guarantee the security of your data transmitted through the XLKASH Lending Facility, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
How will your personal data be retained?Your Personal Data will be retained by the Company for the duration of your activities and transactions in connection with the products and services availed of in this XLKASH Lending Facility and/or for such period of time required for legal and regulatory and/or other legitimate business purposes, and will be disposed of in a secure manner that would prevent further processing, unauthorized access or disclosure to any other party or the public or prejudice your interest, provided that the Company may retain copies of your Personal Data in the Company’s archives for the purpose of determining its continuing obligations or pursuant to its bona fide record retention or data back-up policies, access to which shall be restricted on a need-to-know basis, as may be required under applicable laws and regulations. The Personal Data may likewise be retained for the purpose of fraud prevention, detection, and monitoring in accordance with the Company’s fraud detection and prevention policies, and any requirement imposed by any credit agency, bureau or agency in order to prevent fraud, identify theft, anti-money laundering, terrorist financing and other similar causes which are consistent with public policy and the public good.
How does the Company secure your personal data?The Company values Personal Data collected, used, retained and stored through the XLKASH Lending Facility. The Company has adopted technical, organizational and physical measures to protect your Personal Data,
We take reasonable measures to protect your information from unauthorized access or against loss, misuse, or alteration by third parties.
Although we make good faith efforts to store the information collected on the XLKASH Lending Facility and/or the XLKASH Lending Application in a secure operating environment that is not available to the public, we cannot guarantee the absolute security of that information during its transmission or its storage on our system. Further, while we attempt to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers" from illegal obtaining access to this information. We do not warrant or represent that your information will be protected against, loss, misuse, or alteration by third parties.
How do you access and correct your personal data?If you wish to exercise your right to access, correction, cancellation, portability and objection rights as described below, or for complaints and other inquiries, please email cs@xlkashlending.com to the attention of Data Privacy Officer:
Please note that if your Personal Data has been provided to us by a third-party (e.g. a referrer), you should contact that organization or individual to make such queries, complaints, access and correction requests.
How can you exercise control over your personal data?Users retain control over their Personal Data, and may amend their Personal Data registered over the XLKASH Lending Facility database.
The User shall be responsible for maintaining the confidentiality of his or her own XLKASH Lending Account and password, as well as any and all applications submitted, obligations agreed to or entered into and all other activities occuring under the said account. The User agrees to immediately notify the Company of any unauthorized use or disclosure of the User’s account or password, any unauthorized activities under the User’s XLKASH Lending Account or any other breach of security.
The Company and/or the Company will not be liable for any loss that the User may incur as a result of a third-party’s use of the User’s XLKASH Lending Account or password, either with or without the User’s knowledge, without fault or negligence on the part of the Company and/or the Company.
The User may be held liable for any damage or loss incurred by the Company or the Company in connection with or arising from a third-party’s use of the User’s XLKASH Lending Account or password, without fault or negligence on the part of the Company or the Company.
What are the implications of third-party service?Our service may contain third-party tracking tools from our service providers. Such third parties may use cookies, APIs and SDKs in our services to enable them to collect and analyze user information on our behalf. The third parties may have access to information such as your device identifier, MAC address, IMEI, locale (specific information where a given language is spoken), geo-location information, and IP address.
Can you opt out of marketing communication?You may opt-out of receiving promotional emails or other notification channels from us by following the instructions in those emails or notification channels. If you opt out, we may still send you non-promotional emails or notifications, such as emails or notifications about your accounts or pertaining to our ongoing business including where due notices are required under law or regulation, for the purposes of User protection, or in the circumstances the Company deems that it is necessary to keep Users updated via written notice. Please note that should you agree to sharing of information with other third parties for their own marketing purposes, handling of your Personal Data shall be subject to their separate privacy policies and should you wish to opt-out of marketing through promotional emails or other notification channels from these third parties, you should contact these parties directly.
What are your obligations as user?You agree to inform us promptly, and in any event, within 14 calendar days, in writing if there are any changes to your information supplied to us from time to time, and to respond promptly to any request from us.
Where:
We may:
Users have the following rights regarding Personal Data:
3. Additional Information. If you are identified by a XLKASH Lending User as a Reference Person, Related Party Contact or Third Party Contact, we may contact you to ask for additional information about our User who named you as his/her reference person, to verify the information provided in a User’s application, and/or other information such as the User’s new address and/or new contact number, in the event that we have an important information for the User (for example, if a borrower defaults on his/her payment obligation to us) and we are unable to reach the User or borrower using the contact information that he/she provided to us.
Statement For Users in relation to verification with Related Party Contacts and Third Party Contacts4.1 If you provide information of nominated Related Party Contacts and/or Third Party Contact, you understand, accept, and expressly and unconditionally consent to the sharing and disclosure of any information related to the you (including your Personal Data and/or sensitive personal information), to your nominated Related Party Contacts and/or Third Party Contacts, as such Related Party Contact and Third Party Contact may be changed from time to time, for the purpose of:
4.2 In some instances, we also share Personal Data with our suppliers, including Company entities and other business partners who provide services to us, such as IT and technology service providers, marketing providers, communication services and printing providers, debt collection, tracing, debt recovery, fraud prevention, and credit reference agencies, and others. When we do so we take steps to ensure they meet our data security standards, so that your Personal Data remains secure.
4.3 If you no longer wish us to share your Personal Data with such person(s) or wish to change your preferences in this respect, please email us at cs@xlkashlending.com. When we provide your Personal Data to any of the above recipients, that recipient may process your Personal Data on our behalf or for its/his/her own purposes. If the recipient processes the Personal Data for its own purposes, it/he/she will be responsible for due compliance with any applicable law with regard to your Personal Data.
What should you know about changes on the Company’s privacy policy?This Privacy Policy may be updated from time to time and shall continue to remain in effect unless otherwise amended. If this Privacy Policy is changed, those changes will be posted on the XLKASH Lending Facility and/or the XLKASH Lending Application. The change will be effective when posted. Users availing XLKASH Lending services and/or visitors to the XLKASH Lending Facility are advised to check the XLKASH Lending website and/or XLKASH Lending Application on a regular basis to remain aware of the policies and practices of how information is collected and used.
If significant changes to this Privacy Policy will affect certain Personal Data, the Company shall notify its Users through the email address provided or by posting a public notice on the XLKASH Lending Application and/or XLKASH Lending Facility.
The foregoing consents and authorizations shall continue for the duration of, and shall survive the termination of any loan agreement(s) signed by the borrower, or any other transactions, dealings, arrangements and accounts which borrower may have with, or avail from, the Company and the lender through XLKASH Lending service and/or the XLKASH Lending Facility.
As of August 2023
ACCEPTANCE AND DIGITAL SIGNATUREI confirm having read and understood and agree to the foregoing Privacy Policy.
By clicking the “SIGN UP” button of any social media or public platforms linked to the XLKASH Lending service, I understand that I am creating a digital signature which signifies my intention to be fully and legally bound by said Privacy Policy.