This Privacy Policy describes how your personal information is collected, used, and shared when you visit, sign up or make a purchase with www.tendopay.ph (the “Site”).

PERSONAL INFORMATION WE COLLECT

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

We collect Device Information using the following technologies:

• “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
• “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
• “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

When you sign up to TendoPay, you consent to the use by TendoPay of any information that you have provided. When signing up, you authorize TendoPay directly or through its Partners to collect, retrieve, process and store the data for the purposes including but not limited to credit investigation, risk evaluation, data analytics, collections process, data profiling, marketing, etc. Processing of the provided information includes transfer of such information to third parties including without limitation any of the affiliates or subsidiaries of TendoPay, Credit Bureaus, Government agencies and collections agencies. We refer to this information as “Credit Information”.

Additionally when you make a purchase or attempt to make a purchase through the Site, we collect certain information from you, including your name, billing address, shipping address, email address, and phone number. We refer to this information as “Order Information.”

When we talk about “Personal Information” in this Privacy Policy, we are talking about Device Information, Order Information and Credit Information.

HOW DO WE USE YOUR PERSONAL INFORMATION?

We use the Personal Information to: Communicate with you; Evaluate your credit risk and general ability to repay the loans; Evaluate the fraud risk; Screen your orders for potential risk or fraud; notify you on completed / cancelled transactions and update you on re-payment schedules. When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services. We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).

SHARING YOUR PERSONAL INFORMATION

We might be sharing your personal Information with the third parties including without limitation any of the affiliates or subsidiaries of TendoPay, Credit Bureaus, Government agencies and collections agencies, which allows us to evaluate the credit risk and effectively offer TendoPay to as many users as possible.

We use Google Analytics to help us understand how our customers use the Site--you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

DO NOT TRACK

Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.

DATA RETENTION

When you visit the Site / sign up to TendoPay / make a purchase we will maintain your Personal Information for our records unless and until you ask us to delete this information.

MINORS

The Site is not intended for individuals under the age of 18.

CHANGES

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

CONTACT US

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at [email protected] or by mail using the details provided below:

Tendo Payment Solutions Pte. Ltd.

Registered Address: 105 Cecil Street #16-05, the Octagon, Singapore 069534