1. Introduction

VivaLend, operated by Muhammad Jawad, is a loan assessment and installment calculation tool. It provides calculation and evaluation results for informational reference only; it does not provide, broker, approve, or disburse loans. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your information when you use the application. We comply with the Philippine Data Privacy Act of 2012, international privacy standards, and applicable app store requirements.

2. Information We Collect

A. Information You Provide

When you use VivaLend, you may provide:

• Information entered for loan assessment and installment calculations, such as amounts, terms, interest rates, income, expenses, or existing debt information
• Name, mobile number, and identity information submitted during KYC identity verification
• Account login credentials (if applicable)
• Photos of your identity document and facial images captured only when you initiate KYC verification

B. Information Collected With Your Permission

Only after you grant the relevant permission, VivaLend may collect:

• Current location and country/region information, used to display a locally applicable reference interest rate at the bottom of calculation results
• SMS messages relevant to debt assessment, used to quickly identify and evaluate your current debt situation when you choose One-click Debt Assessment

C. Device and Application Data

We may collect:

• Device information (such as device model, operating system version, device identifiers, IP address, network status, and security-related logs)
• Security and integrity signals required to check the device environment after login and before the home page is opened for the first time
• SMS verification codes, used only to automatically fill the verification-code field when you request this function

D. Third-Party SDKs

VivaLend may integrate third-party SDKs to support KYC identity verification, analytics, security checks, and service optimization. These SDKs may process limited information necessary for their stated functions. Data is transmitted using appropriate security protections such as HTTPS encryption. We do not authorize third parties to use your information for unrelated purposes.

3. Permissions We May Request

To provide the loan assessment and installment calculation functions, VivaLend may request the following permissions only when the corresponding feature is used. You may refuse or revoke an optional permission in system settings; the unrelated functions will remain available:

• Location (GPS): When displaying calculation results, obtains your current location and country/region to show a locally applicable reference interest rate at the bottom of the results page.
• SMS — Debt Assessment: When you actively select One-click Debt Assessment on the credit report or KYC page, reads debt-related SMS messages to quickly identify and evaluate your current debt situation.
• SMS — Verification Code Autofill: When an SMS verification code is sent during identity verification or another verification step, identifies the code and automatically fills it into the verification field. It is not used to send SMS messages.
• Camera: When you initiate KYC, used to photograph your identity document and capture a facial image for identity verification.
• Device Information: After login and before the home page is opened for the first time, used to perform a device security and integrity check to protect account and data security.
• We do not request these permissions to provide lending, loan brokerage, loan approval, or loan disbursement services.

4. How We Use Your Information

We process your data to:

• Provide loan assessment, debt assessment, installment calculation, and locally applicable reference interest-rate display features
• Complete KYC identity verification when you choose to use a feature that requires it
• Recognize and autofill SMS verification codes and evaluate debt-related SMS messages only in the disclosed scenarios
• Perform device security checks, prevent unauthorized access, and detect suspicious activities
• Provide customer support, improve user experience, and comply with legal obligations

5. Data Security

We implement industry-standard safeguards, including:

• SSL/HTTPS encryption for data transmission
• Strict access controls for authorized personnel only
• Regular monitoring and security audits

6. Your Rights

Under applicable privacy laws, you have the right to:

• Access or request a copy of your data via in-app request or by contacting us.
• Correct or delete your information through app settings or [Contact Email].
• Withdraw consent for optional tracking by disabling related permissions in system settings.

7. Data Retention & Deletion

• We retain personal data only for as long as necessary for the purposes described in this Privacy Policy, including loan assessment, installment calculation, identity verification, and security protection, unless a longer period is required by law.
• You may request account and data deletion via VivaLend > Settings > Delete Account or by contacting [Contact Email].
• Certain data may be retained if required by law.

8. Children’s Privacy

VivaLend is intended for users aged 18 and above. We do not knowingly collect personal data from minors. If such data is inadvertently collected, please contact us for deletion.

9. Policy Updates

We may update this Privacy Policy from time to time. Significant updates will be communicated through in-app notifications or email. Continued use of VivaLend constitutes acceptance of the updated terms.