SOFI LENDING Inc. ("we," "us") is committed to protecting your privacy in compliance with Republic Act No. 10173, the Philippine Data Privacy Act of 2012 (DPA), and its Implementing Rules and Regulations (IRR).
Lending Entity: SOFI LENDING Inc.
SEC Registration Number: CS201908275
Lending License Number: 2990
Email: support@sofilending.com
Telephone: 09378204110
Registered Address: Unit 1406, Philippine Stock Exchange Tektite East Tower, Exchange Road, Ortigas Center, Pasig City,Metro Manila, 1605, Philippines.
Platform Operator: The Woo Cash application is operated for SOFI LENDING Inc.
We collect personal and non-personal information necessary to provide our Services, including:
Identity Data: Name, date of birth, government ID details (e.g., SSS, UMID, Passport Number), photographs, and facial recognition data for liveness verification.
Contact Data: Mobile number, email address, residential address, emergency contact information.
Financial & Employment Data: Income details, employer information, bank account/e-wallet details.
Device & Technical Data: IP address, device type, operating system, mobile network, App usage logs, and location data (if permission granted).
Credit Data: Information obtained from credit bureaus or background checks, your repayment history with us.
We process your information to:
Verify your identity and comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
Assess your creditworthiness and process your loan application.
Disburse loans, manage your account, and process payments.
Communicate with you regarding your account and our Services.
Detect, prevent, and investigate fraud, security breaches, and prohibited activities.
Improve, develop, and personalize our Services and the App.
Comply with legal and regulatory obligations.
We may share your information with:
Service Providers: Trusted third parties who perform services on our behalf (e.g., cloud hosting, payment processing, identity verification, analytics), under strict confidentiality agreements.
Collection Agencies: In the event of loan default, as permitted by law.
With Your Consent: For any other purpose disclosed to you with your prior consent.
The App integrates third-party Software Development Kits (SDKs), including:
Adjust SDK: For analytics and attribution. It may collect anonymous device identifiers and interaction data.
Advance SDK / Similar Liveness SDK: For facial recognition and biometric verification. It processes your facial image data securely and temporarily for identity matching purposes only.
We require our SDK providers to adhere to strict data protection standards.
You have the following rights regarding your personal data:
Right to be informed
Right to access
Right to rectification
Right to erasure
Right to object
Right to data portability
Right to withdraw consent
To exercise these rights, please contact us at contact@workcentrictech.com. We will respond within the timeframe mandated by law.
We implement appropriate organizational, physical, and technical security measures to protect your data. We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
You may request account deletion via the App's settings or by contacting us. Note that deletion is subject to settlement of all outstanding obligations. Post-deletion, we will retain necessary data as required by law (e.g., for tax, regulatory, or dispute resolution purposes).
We may update this Privacy Policy. The "Last Updated" date will be revised. We will notify you of significant changes through the App or via email.
For questions, concerns, or requests regarding this Privacy Policy or your data, contact our :
Email: contact@workcentrictech.com