Effective Date

This Privacy Policy has been approved by the Company’s Board of Directors on March 5, 2025 and is effective immediately.

This Privacy Policy details our practices regarding your privacy rights, specifically concerning the collection, use, storage, processing, disclosure, and protection of your data when you utilize our services. At MEGA MINT LENDING CORPATION ("Company"), we are dedicated to protecting the privacy and security of your personal and account information.

Mega Money is an intelligent credit product developed by MEGA MINT LENDING CORPORATION. The related loan services are fully operated by the strategic partner Loan Star Lending Group Corp.Loan Star Lending Group Corp., a lending institution established under Philippine law, is headquartered at 4th Floor, Carson Building,Orense St. Corner Del Carmen St.,Guadalupe Nuevo,1212Makati City, Philippines. The company is represented by its authorized signatory, Mr.Chunfend Dui. It is officially approved by the Securities and Exchange Commission (SEC) of the Philippines, operating under SEC Registration No. CS201420759 in full compliance with SEC regulations.At the same time, MEGA MINT LENDING CORPATION. and Loan Star Lending Group Corp. are owned by the same parent company.

Information Collected

We collect personal information when:

you create an account, access our platform, or use our products and services.

By registering, accessing, or using our website or mobile application, you acknowledge and consent to the collection, storage, use, and disclosure of your personal data.

The information we collect may include, but is not limited to:

● Contact Information: Name, email address, phone number, physical address, date of birth, gender, and education.

● Identity Information: Details of identification documents such as passports, driver's licenses, or other government-issued documents.

● Login Credentials: Usernames, passwords, and other authentication details.

● Financial Information: Income, expenses, account balances, investments, tax records, insurance details, and transaction history.

● Business Information: Business name, address, registration details (e.g., SEC, DTI, BIR), and business interests and assets..

● Contract Data: Information contained in contracts, applications, and related documents.

● Usage Data: Information collected from interactions with our website's features, including online communication tools.

● Device Information: Data from your device, including photos, attachments, or other content required to provide the services.

● Additional Information: Any other data we may collect with your consent or as required by law.

Your privacy is our priority, and we are committed to handling your personal information with the utmost care and security.

We may verify or enhance this information with third-party entities (including government regulators, judicial, supervisory bodies, tax authorities or courts of competent jurisdiction) to obtain additional information about you, if necessary.

How We Use Your Information

We use the collected information to:

● Approve, facilitate, administer, and process applications and transactions;

● Respond to queries, requests, and complaints and improve how we interact with you;

● send statements, bills, notifications and other documents required for continued use of our products and services;

● conduct research and surveys to review, develop and improve our products and services;

● generate anonymous, aggregated data for data analysis;

● perform profiling, behavioral modeling and analysis to understand needs, preferences and market trends;

● contact you with product and service information, including offers, promotions, discounts, rewards;

● determine the effectiveness of our marketing efforts and programs;

● take protective measures to prevent improper use or abuse of our products and services, including fraud prevention;

● perform other activities permitted by law or with your consent. How we share your information.

How We May Share Your Information

We may share your personal information with:

● Our subsidiaries and affiliates to provide you with products and services we think may be of interest to you;

● Companies that help us operate or improve our business or third-party service providers who help us provide products and services to you;

● Banks, financial institutions, insurance companies, and other reference agencies;

● Comply with legal, regulatory, security and processing requirements, state and foreign government requirements that apply to us or our affiliates or service providers, including but not limited to anti-money laundering, anti-terrorism or anti-fraud requirements;

● Third parties who help us operate our business, comply with legal requirements, enforce our Terms of Use, address fraud, security or technical issues and protect the rights, property or safety of our clients/customers or third parties.

We may transfer your personal data outside of the Philippines while complying with data privacy laws. All engagements with third parties are fully consistent with our obligations under applicable agreements with you and/or applicable laws governing our relationship with you .

Your Rights

You may object to our use and/or disclosure of your personal information for any of the purposes listed above by contacting us at the contact number/address below. However, depending on the nature of your objection, we may not be able to continue to provide you with our products or services. You have the right to reasonable access to your personal data, correct inaccurate data, delete or remove your personal data from our systems, and file a complaint with the National Privacy Commission, all in compliance with data privacy laws.

How We Protect Your Information

We maintain the confidentiality and integrity of your personal information by employing physical, technical, and procedural safeguards. We train our employees to properly handle your information and require other companies that provide services to us to protect personal information in accordance with our security standards.

How Long Do We Keep Your Information?

Your personal information will be retained for as long as necessary to fulfill the purpose for which it was collected and until it is no longer required for legal, regulatory or business reasons. Specifically, we retain your information for the following purposes:

● Service Period: Information required during the period of our services and for a reasonable period thereafter to ensure continuity and support.

● Legal and Regulatory Compliance: Information required to comply with any legal and regulatory obligations.

● Secure Disposal: Personal information no longer required for our services will be securely disposed of in accordance with all applicable laws and regulations.

Computer Data Collection

MEGA MINT LENDING CORPATION, or its authorized service providers may use cookies, web beacons and similar technologies to store information and provide you with a better, faster, safer and more personalized experience when you use our services and visit our website.

Our servers automatically log certain information that your browser sends when you visit our website. This data may include:

Your computer's IP address

Browser type and version

The webpage you visited before arriving at our site

The pages within our website that you visit

The time spent on those pages, items and information searched for on the website Visit times and dates and other relevant statistics

Contact Information

If you have any questions about this Privacy Policy, how your personal data is managed, or how to exercise your rights under data privacy laws, please contact us at:

Email: info@megamintlending.com