24pera FINANCE CORP.
2.1. Collection of User Data is done through several sources:
2.1.1 by virtue of the registration on the Website;
2.1.2 upon completing the online loan application form;
2.1.3 by virtue of communication with 24pera employees;
2.1.4 by virtue of credit reports and data; and,
2.1.5 by virtue of navigation through the Website.
2.2. User Data are both Personal and Non-Personal Information:
2.2.1. Personal Information is any information from which the identity of a User can be reasonably and directly ascertained, or when put together with other information would directly and certainly identify an individual, such as name, gender, date of birth, address, telephone/mobile number, email address, proof of identification, etc. It also includes information about:
22.214.171.124. the data that would help 24pera evaluate the User’s credit standing such as spouse details financial details, business details, and other data points whenever applicable;
126.96.36.199. the location of the User’s device, whether desktop, laptop, or mobile devices, as used to access the Website; and
188.8.131.52. the User’s navigation experience when accessing the Website to see activities done in the Website, the pages visited, and the sequence thereof.
2.2.2. Non-Personal Information is any information that does not identify the User individually, and includes statistical and analytical data, and anonymous and aggregate reports.
2.2.3. The User may also be requested to update Personal Information from time to time. Should the User be unable to supply the required Personal Information, 24pera may be unable to provide the User with requested products and services and updates on the latest offerings. The User may also be unable to participate in 24pera events, promotions or other activities.
2.3.4. The User has the duty to inform 24pera of any change in the information provided, in order to keep it updated and avoid errors.
3.1. The Anti-Money Laundering Act (hereinafter referred to as “AMLA”), as amended, requires all Covered Institutions to obtain, verify, and record information that identifies each person who applies for a loan.
3.2. Being a Covered Institution under AMLA, 24pera will ask for the User’s name, address, date of birth, business, tax identification number, Social Security System or Government Service Insurance System numbers, and other information that will allow 24pera to identify the User.
3.3. 24pera may also ask to see the User’s driver’s license, passport, or other competent evidence of identity bearing the User photograph and signature in order to comply with AMLA and other applicable laws and regulations.
4.1. Without limitation, User data may be treated by 24pera among others for the following purposes:
4.1.1. Verify the User’s identity;
4.1.2. Manage the provision of services being offered by the Website, such as processing the loan application or rendering the loan credit decision, among others;
4.1.3. Evaluate the User’s credit standing through external credit report providers and bureaus;
4.1.4. Contact the User;
4.1.5. Transfer the loan proceeds;
4.1.6. Manage and recover outstanding debt;
4.1.7. Update the information regarding the loan granted;
4.1.8 Enhance the User's customer experience and improve, develop and determine customized products to meet customer preferences and needs;
4.1.9. Send commercial communications on the products and services;
4.1.10. Improve the service and contents of the service through statistical analysis and market research;
4.1.11. Abide by any safety, security, public service or legal requirements and processes;
4.1.12. Process information for statistical, analytical, and research purposes; and
4.1.13. Any other purpose expressly provided in the Loan Application Form and/or in the General Conditions s well as in the Promissory Note / Disclosure Statement.
4.2. 24pera also uses the User’s Personal Information to the extent necessary to comply with the requirements of the law and legal process, such as a court order; to comply with legal obligations; or to prevent all damages to public security, safety or order.
4.3. 24pera also uses the User’s Non-Personal Information for statistical, analytical, and research purposes to create anonymous and aggregate reports.
4.4. User consents that 24pera maintains the data provided even when the loan application has not been accepted, in order to ensure compliance with legal obligations and avoid duplication in the new applications treatement.