Privacy Policy
Valley loan is independently developed and operated by AstroVant Technology Inc.. To comply with Philippine financial regulations, AstroVant Technology Inc. has entered into a cooperative agreement with Flash Cash 101 Lending Corp. (Philippine SEC Registration No. CS201915317, CA No. 3083) to utilize its legally licensed lending qualifications for business operations. This privacy agreement will be signed between AstroVant Technology Inc. and user, and therefore the following obtained information will be encrypted, uploaded, and stored within the AstroVant Technology Inc.'s internal systems, and will not be shared with unauthorized third parties.
As part of our commitment to protecting your privacy, this Privacy Policy is adopted to comply with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 ("DPA"), which governs the protection of personal information and communications systems in both the government and private sectors. The provisions of this Policy are designed to ensure that any personal data we collect in the course of our services is processed securely and responsibly.
You must read this Privacy Policy in its entirety, before proceeding with your use of our services through the Valley loan App or otherwise.
1. In order to give you the best possible service, we collect the following information:
During your use of Valley loan, we will collect necessary information in accordance with applicable laws and regulations. The information you submit must be truthful. In addition to the information you provide, we may also obtain certain data through the permissions you grant during your use of the app. We will request your consent before accessing any of this information for the first time. Your information will only be collected if you voluntarily submit it to us. At any time, you have the right to withdraw or cancel your consent to share information by contacting us at official@astrovantph.com. All collected information is used to provide you with services and to protect your assets. The information we collect is outlined below:
Your Personal Information:
You may need to provide details such as your mobile number, contacts, identity information, email, and other data during app usage. The data is collected and processed to verify your identity and to comply with the legal and regulatory requirements applicable to the services offered by Valley loan. Except for these circumstances, we will not collect information without your prior explicit consent. All data is encrypted and securely uploaded to our servers at https://api.valleyloancash.com to safeguard your privacy. Your data will never be shared with any third parties.
Emergency Contacts:
As part of our loan application process, we require you to provide emergency contact information. These details help us assess the credibility of your application and identify potential risks to ensure we approve only legitimate requests. The contact information you provide (such as name, phone number, and relationship details) will be securely transmitted to our servers via HTTPS: https://api.valleyloancash.com. We will retain the contact information you provide and promptly delete it upon completion of the risk assessment. Without your explicit consent, this information will not be shared with any third party.
Files, Media, and Photos:
We request access to your device’s files, photos, and media to facilitate the upload of documents and photos as part of your loan application. This is crucial for processing your application and ensuring that we have all the necessary information to evaluate your request.
Notification Permissions:
To send users important information, alerts, updates, and other content, we require notification permissions. Users can choose whether to allow push notifications. Declining this permission will not affect the normal use of the app, but you will not receive push notifications.
Advertising ID:
The Advertising ID is a unique identifier provided by Google Play services for advertising purposes and can be reset or deleted by the user. During your use of the app, we may collect your Google Advertising ID to analyze ad data and optimize your ad experience. If you wish to disable this permission, you can turn it off in your device settings under “Personalized Ads”. All data will not be shared with others and will be securely encrypted, uploaded, and stored on our servers at https://api.valleyloancash.com.
Log Data:
During your use of Valley loan, if the application encounters any errors, we may collect data and information from your phone, referred to as log data. Log data includes your device's Internet Protocol (“IP”) address, device name, operating system, version code, app configuration during use, usage time, and other relevant data. This information helps us address performance issues with the app. All data will be kept confidential, securely encrypted, and uploaded to our servers at https://api.valleyloancash.com for storage. Your data will not be shared with third parties.
The information that you need to grant permission to access in order to use Valley loan is listed below:
Location:
We collect your approximate location only with your explicit consent, which you may choose to decline. The purpose of collecting location information is to reduce risks such as account breaches and to enhance your data security during login. All data is protected with 128-bit SSL encryption and is securely uploaded and stored on our servers at https://api.valleyloancash.com. Your data will never be shared with any third parties.
Camera:
To verify your identity and conduct background checks during the loan application process, we may request access to your mobile device’s camera. This ensures that transactions are conducted by you and allows you to upload any necessary documents, such as valid identification, required for the loan application.
Mobile Device Data:
We may collect specific mobile device data, such as device type, operating system version, network information, and other device details. This helps us detect, prevent, and investigate potential fraud or suspicious activities. For example, if your account is accessed from a different device, we will notify you via the app. This process helps us manage risks and protect your account from unauthorized activities. All data is encrypted and securely uploaded to our servers at https://api.valleyloancash.com to safeguard your privacy. Your data will never be shared with any third parties.
Installed App Information:
To enhance our ability to evaluate your credit status, we may collect information about the applications installed on your device, including installation dates, update history, and app names. This data helps us analyze credit risks and ensure that we provide you with the best service. The data will be encrypted and uploaded to our secure storage at https://api.valleyloancash.com. We will never share this information with third parties.
For the information we collect will be used for the following purposes:
·To verify the identity of the user.
·For users to register for an account or to make contact based on information provided by the user.
·To establish and maintain communication with the user via email, SMS, in-app messages, phone calls.
·To resolve user complaints and handle user requests and inquiries.
·Complete loan applications and offer our loan products to users.
·Conduct and perform fraud monitoring, detection, analysis and prevention.
·Perform data analysis and tracking to optimize interface elements, recommend features and enhance your overall experience based on your preferences and usage patterns.
·Enhance and optimize online risk assessment processes and risk control models.
2. We Safely Store and Retain Your Data
We highly value the security of your personal information and implement appropriate safeguards to prevent unauthorized access, loss, or misuse. These measures include encryption, secure servers, and strict access controls.
Data Storage:
With your consent, we securely store your personal and transaction data with trusted third-party cloud service provider. We adopt the following measures to protect your data, including:
-Encryption: Data is encrypted during transmission and storage.
-Access control: Only authorized personnel can access data under strict logging and monitoring.
-Regular Audits: Periodic reviews enhance security compliance.
-Breach Response: Immediate notification and mitigation measures are taken in the event of a security breach.
to protect your personal data from any accidental or unlawful processing, accidental loss or destruction, as well as unauthorized access, fraudulent misuse, unlawful damage and contamination.
Data Retention:
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws. Once the retention period expires, we will securely delete or anonymize the data. Your personal data is stored securely on servers and is retained for a maximum of two years without any action on your part, in accordance with regulatory requirements, unless otherwise required by local law. Please be assured that Valley loan will only use your personal information to the extent necessary to fulfill the above purposes. After the retention period, Valley loan will also securely delete or anonymize all of your personal data using industry standard practices.
3. Who We Share Your Information With
Valley loan will not disclose any personal data and information about you to any third party, except as required by local law, and where practicable, Valley loan will only share your information with third parties in an anonymous format. In addition, Valley loan may share your information with law enforcement or other governmental agencies as required by local auditors, court requirements or similar legal processes.
4. Your Rights Regarding Your Data
As a Valley loan user, you have specific rights under the Data Privacy Act concerning your personal data, including:
Right to Access:
You have the right to request a copy of the personal data we hold about you.
Right to Rectification:
You may request corrections to your data if it is inaccurate or incomplete.
Right to Erasure:
Subject to legal allowances, you can request the deletion of your personal data.
Right to Object:
You may object to the processing of your data, especially for marketing or profiling purposes.
Right to Restrict Processing:
In certain circumstances, you can request limitations on how we process your data.
Right to Data Portability:
You may request your data in a structured, commonly used, and machine-readable format.
5. Data Deletion
We are committed to ensuring that your personal data is retained only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws and regulations. Once the retention period expires, or if you request the deletion of your personal data, we will securely delete, anonymize, or otherwise remove the data from our systems, ensuring it cannot be restored or linked back to you.
You can delete your account by visiting “setting” in the Valley loan app. You may also request the deletion of your personal data by contacting us through the provided contact details in this policy. Please note, however, that certain data may be retained where required to:
· Comply with legal or regulatory obligations.
· Resolve disputes or enforce our agreements.
· Protect against fraudulent or illegal activities.
Any data retained for these purposes will be securely stored and only accessible as necessary. Once it is no longer required, we will promptly delete or anonymize it.
6. How we protect the privacy of minors
We protect the privacy of minors very seriously. We do not collect any personal information from minors under the age of 18. If we discover that we have accidentally collected information from a minor, we will take immediate steps to delete the information.
7. Contact Us
If you have any questions or concerns about this Privacy Policy or wish to exercise your data protection rights, please contact us via:
Corporate Name: AstroVant Technology Inc.
Business Name: Valley loan
Phone: 09951564716
Email: official@astrovantph.com
Address: Level 40, PBCom Tower, 6795 Ayala Avenue Corner V.A., Rufino Street, Makati City, 1226, Philippines
8. Privacy Policy Updates
This Privacy Policy may be subject to changes. Any updates or modifications will be posted through the Valley loan app or other channels such as our official website. We recommend that you regularly review this policy to understand how we protect your data.
As part of our commitment to protecting your privacy, this Privacy Policy is adopted to comply with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012 ("DPA"), which governs the protection of personal information and communications systems in both the government and private sectors. The provisions of this Policy are designed to ensure that any personal data we collect in the course of our services is processed securely and responsibly.
You must read this Privacy Policy in its entirety, before proceeding with your use of our services through the Valley loan App or otherwise.
1. In order to give you the best possible service, we collect the following information:
During your use of Valley loan, we will collect necessary information in accordance with applicable laws and regulations. The information you submit must be truthful. In addition to the information you provide, we may also obtain certain data through the permissions you grant during your use of the app. We will request your consent before accessing any of this information for the first time. Your information will only be collected if you voluntarily submit it to us. At any time, you have the right to withdraw or cancel your consent to share information by contacting us at official@astrovantph.com. All collected information is used to provide you with services and to protect your assets. The information we collect is outlined below:
Your Personal Information:
You may need to provide details such as your mobile number, contacts, identity information, email, and other data during app usage. The data is collected and processed to verify your identity and to comply with the legal and regulatory requirements applicable to the services offered by Valley loan. Except for these circumstances, we will not collect information without your prior explicit consent. All data is encrypted and securely uploaded to our servers at https://api.valleyloancash.com to safeguard your privacy. Your data will never be shared with any third parties.
Emergency Contacts:
As part of our loan application process, we require you to provide emergency contact information. These details help us assess the credibility of your application and identify potential risks to ensure we approve only legitimate requests. The contact information you provide (such as name, phone number, and relationship details) will be securely transmitted to our servers via HTTPS: https://api.valleyloancash.com. We will retain the contact information you provide and promptly delete it upon completion of the risk assessment. Without your explicit consent, this information will not be shared with any third party.
Files, Media, and Photos:
We request access to your device’s files, photos, and media to facilitate the upload of documents and photos as part of your loan application. This is crucial for processing your application and ensuring that we have all the necessary information to evaluate your request.
Notification Permissions:
To send users important information, alerts, updates, and other content, we require notification permissions. Users can choose whether to allow push notifications. Declining this permission will not affect the normal use of the app, but you will not receive push notifications.
Advertising ID:
The Advertising ID is a unique identifier provided by Google Play services for advertising purposes and can be reset or deleted by the user. During your use of the app, we may collect your Google Advertising ID to analyze ad data and optimize your ad experience. If you wish to disable this permission, you can turn it off in your device settings under “Personalized Ads”. All data will not be shared with others and will be securely encrypted, uploaded, and stored on our servers at https://api.valleyloancash.com.
Log Data:
During your use of Valley loan, if the application encounters any errors, we may collect data and information from your phone, referred to as log data. Log data includes your device's Internet Protocol (“IP”) address, device name, operating system, version code, app configuration during use, usage time, and other relevant data. This information helps us address performance issues with the app. All data will be kept confidential, securely encrypted, and uploaded to our servers at https://api.valleyloancash.com for storage. Your data will not be shared with third parties.
The information that you need to grant permission to access in order to use Valley loan is listed below:
Location:
We collect your approximate location only with your explicit consent, which you may choose to decline. The purpose of collecting location information is to reduce risks such as account breaches and to enhance your data security during login. All data is protected with 128-bit SSL encryption and is securely uploaded and stored on our servers at https://api.valleyloancash.com. Your data will never be shared with any third parties.
Camera:
To verify your identity and conduct background checks during the loan application process, we may request access to your mobile device’s camera. This ensures that transactions are conducted by you and allows you to upload any necessary documents, such as valid identification, required for the loan application.
Mobile Device Data:
We may collect specific mobile device data, such as device type, operating system version, network information, and other device details. This helps us detect, prevent, and investigate potential fraud or suspicious activities. For example, if your account is accessed from a different device, we will notify you via the app. This process helps us manage risks and protect your account from unauthorized activities. All data is encrypted and securely uploaded to our servers at https://api.valleyloancash.com to safeguard your privacy. Your data will never be shared with any third parties.
Installed App Information:
To enhance our ability to evaluate your credit status, we may collect information about the applications installed on your device, including installation dates, update history, and app names. This data helps us analyze credit risks and ensure that we provide you with the best service. The data will be encrypted and uploaded to our secure storage at https://api.valleyloancash.com. We will never share this information with third parties.
For the information we collect will be used for the following purposes:
·To verify the identity of the user.
·For users to register for an account or to make contact based on information provided by the user.
·To establish and maintain communication with the user via email, SMS, in-app messages, phone calls.
·To resolve user complaints and handle user requests and inquiries.
·Complete loan applications and offer our loan products to users.
·Conduct and perform fraud monitoring, detection, analysis and prevention.
·Perform data analysis and tracking to optimize interface elements, recommend features and enhance your overall experience based on your preferences and usage patterns.
·Enhance and optimize online risk assessment processes and risk control models.
2. We Safely Store and Retain Your Data
We highly value the security of your personal information and implement appropriate safeguards to prevent unauthorized access, loss, or misuse. These measures include encryption, secure servers, and strict access controls.
Data Storage:
With your consent, we securely store your personal and transaction data with trusted third-party cloud service provider. We adopt the following measures to protect your data, including:
-Encryption: Data is encrypted during transmission and storage.
-Access control: Only authorized personnel can access data under strict logging and monitoring.
-Regular Audits: Periodic reviews enhance security compliance.
-Breach Response: Immediate notification and mitigation measures are taken in the event of a security breach.
to protect your personal data from any accidental or unlawful processing, accidental loss or destruction, as well as unauthorized access, fraudulent misuse, unlawful damage and contamination.
Data Retention:
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws. Once the retention period expires, we will securely delete or anonymize the data. Your personal data is stored securely on servers and is retained for a maximum of two years without any action on your part, in accordance with regulatory requirements, unless otherwise required by local law. Please be assured that Valley loan will only use your personal information to the extent necessary to fulfill the above purposes. After the retention period, Valley loan will also securely delete or anonymize all of your personal data using industry standard practices.
3. Who We Share Your Information With
Valley loan will not disclose any personal data and information about you to any third party, except as required by local law, and where practicable, Valley loan will only share your information with third parties in an anonymous format. In addition, Valley loan may share your information with law enforcement or other governmental agencies as required by local auditors, court requirements or similar legal processes.
4. Your Rights Regarding Your Data
As a Valley loan user, you have specific rights under the Data Privacy Act concerning your personal data, including:
Right to Access:
You have the right to request a copy of the personal data we hold about you.
Right to Rectification:
You may request corrections to your data if it is inaccurate or incomplete.
Right to Erasure:
Subject to legal allowances, you can request the deletion of your personal data.
Right to Object:
You may object to the processing of your data, especially for marketing or profiling purposes.
Right to Restrict Processing:
In certain circumstances, you can request limitations on how we process your data.
Right to Data Portability:
You may request your data in a structured, commonly used, and machine-readable format.
5. Data Deletion
We are committed to ensuring that your personal data is retained only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws and regulations. Once the retention period expires, or if you request the deletion of your personal data, we will securely delete, anonymize, or otherwise remove the data from our systems, ensuring it cannot be restored or linked back to you.
You can delete your account by visiting “setting” in the Valley loan app. You may also request the deletion of your personal data by contacting us through the provided contact details in this policy. Please note, however, that certain data may be retained where required to:
· Comply with legal or regulatory obligations.
· Resolve disputes or enforce our agreements.
· Protect against fraudulent or illegal activities.
Any data retained for these purposes will be securely stored and only accessible as necessary. Once it is no longer required, we will promptly delete or anonymize it.
6. How we protect the privacy of minors
We protect the privacy of minors very seriously. We do not collect any personal information from minors under the age of 18. If we discover that we have accidentally collected information from a minor, we will take immediate steps to delete the information.
7. Contact Us
If you have any questions or concerns about this Privacy Policy or wish to exercise your data protection rights, please contact us via:
Corporate Name: AstroVant Technology Inc.
Business Name: Valley loan
Phone: 09951564716
Email: official@astrovantph.com
Address: Level 40, PBCom Tower, 6795 Ayala Avenue Corner V.A., Rufino Street, Makati City, 1226, Philippines
8. Privacy Policy Updates
This Privacy Policy may be subject to changes. Any updates or modifications will be posted through the Valley loan app or other channels such as our official website. We recommend that you regularly review this policy to understand how we protect your data.
