It is recommended that all users closely scrutinize this Privacy Policy. By choosing actions such as "Register", "I Accept the Privacy Policy of Tala CashPro", "I Authorize the Collection, Use, Disclosure, Storage, Transmission, and/or Handling of My Personal Information as Defined by Tala CashPro's Privacy Policy" or akin expressions found on the Tala CashPro registration or within the service usage, you confirm your comprehension and agreement to how your personal information will be treated as stated herein.
1. Essential Loan Provider Insights
Our Collaboration with Premier Loan Providers: To ensure you have access to a broad spectrum of financial services, Tala CashPro partners with distinguished loan providers. We believe in keeping you informed about these crucial partnerships.
Key Loan Provider Details:
Provider Identification: Asteria Lending Inc.
Official Registrations and Certifications:
SEC Registration Code: CS201603853
Certificate of Legal Authority: 1813
Location and Contact:
Email Query: support@asterialending.com
Contact Number: 9174692058
Postal Address: Unit 14A&B The World Trade Center 330 Sen. Gil Puyat Avenue Makati, Metro Manila, 1200 Philippines
2. Data Collection by Tala CashPro Involves:
Personal identification elements such as your complete name and birthdate for identity verification.
Data from your loan application like salary, employment status, the reason for the loan, and specifics about your mobile equipment for loan processing.
Your communication details including home address, phone number, and email for contact purposes.
Detailed borrower information, notably SSS, job details, contacts, and emergency contacts for a comprehensive borrower profile.
Specifications of your mobile device such as unique ID, system and OS types, configurations, account info, and network details for app optimization.
Location information from your mobile's GPS, IP address, and device data for enhanced service delivery.
Tala CashPro captures your "Info" through:
Your initial app installation or when you express interest in obtaining a loan.
Direct interactions with our team, including information shared with our support staff or loan agents.
Checks with credit verification services and fraud prevention agencies to validate your information against other sources.
The primary reason for gathering and managing your "Info" is to offer Tala CashPro services or comply with specific legal requirements. We do not collect your information without your explicit consent, except as required by law.
3. The Way Tala CashPro Employs Your Information
To ascertain your qualification for loans and services, analyzing financial stability and suitability for service enhancements.
Management of loan agreements, ensuring efficient processing and execution of financial obligations.
Identity verification to ensure the reliability of client data.
Implementation of measures to safeguard against fraud and secure service integrity.
Upgradation of Tala CashPro's service portfolio to better meet user needs.
Tackling of any operational issues experienced by clients.
Compliance with legal mandates focusing on client authentication and financial crime deterrence.
Distribution of promotional content, subject to your acceptance.
Communication about service advancements and news.
Cooperation with credit validation and fraud mitigation partners.
Customer service excellence and engagement through selected communication modes.
Grounds for Processing Client Data:
Leveraging legitimate interests for service enhancement and operational efficiency.
Adhering to our contractual commitments to you, including addressing inquiries pre-agreement.
Processing based upon your explicit approval for certain data handling procedures.
4. Retention Period of Personal Data by Tala CashPro
Tala CashPro ensures that your personal information is retained solely for as long as necessary to fulfill the purposes of our Privacy Policy. This includes a period deemed reasonable for the provision of our services and offerings. Beyond these objectives, your Data may be stored longer if required by legal obligations, allowed under applicable laws, or as necessary to support potential legal claims or defenses.
5. User Data Sharing Framework at Tala CashPro
Borrowers give Tala CashPro and its network the authority to process their data for critical credit evaluations that span the life of their loan and beyond, considering them for additional services. This process entails assessing borrowers' compatibility with future offerings, either directly through Tala CashPro or its partnerships.
Tala CashPro undertakes to safeguard personal information, adhering to privacy regulations and only sharing data with third parties when indispensable for delivering its services. Specific personal data may be allocated to research partners, with Tala CashPro striving for data anonymization wherever feasible.
With this policy, borrowers consent to Tala CashPro's right to share their data with:
Entities within the Tala CashPro, including its affiliates and third-party vendors, all under the oversight of Tala CashPro's executive team;
Banking and financial partners, market intermediaries, and entities dedicated to credit assessment and fraud prevention;
External service providers contracted to enhance operational efficiencies, debt recovery, and data management;
Regulatory and tax authorities, especially in scenarios necessitating legal compliance or corporate restructuring;
Other necessary disclosures guided by legal obligations, the need to enforce user agreements, or to protect Tala CashPro's operational integrity and user safety.
This policy ensures responsible data management, aligning with the goals detailed in Tala CashPro's privacy commitments and safeguarding user interests.
6. Ending Subscription to Marketing Materials
For those who wish to halt the delivery of all marketing, advertising, and promotional notifications from us, you are encouraged to reach out directly to us. We will act swiftly to remove your details from our marketing communications lists, ensuring you no longer receive these types of messages from us.
7. Implications of Withholding Your Data
Providing your personal data to us is entirely voluntary and you have the right to revoke your consent regarding the use or processing of such data at any time. However, without your information, our ability to offer you our range of products and services might be compromised. In such cases, it may become necessary for us to discontinue our services to you, in accordance with the provisions of relevant laws. Additionally, where there is a justified basis under the law for retaining your data, such as ongoing loan repayment obligations, we reserve the right to retain your information to fulfill such requirements.
8. Automated Decision-Making in Service Provision by Tala CashPro
Tala CashPro utilizes automated decision-making processes, including profiling, to offer you personalized loan services and other financial products without human intervention.
Automated Loan Evaluation: Our digital systems autonomously assess your eligibility for loans, tailoring credit solutions efficiently. This is particularly beneficial for clients lacking a conventional credit history or consistent income, utilizing machine learning algorithms to analyze your data for creditworthiness.
Fraud Detection: To protect against fraud and money laundering, Tala CashPro implements automated tools for detecting irregular activities. This could lead to individuals being classified as high-risk and possibly having their access limited based on the system's findings.
Rights Regarding Automated Decisions: Should you face denial for a loan or any service based on these automated processes, you have the right to seek a review from a human operator. For such inquiries, please contact us at: contact@dizgoretech.com.
9. Agreement and Empowerment Upon Usage of the Tala CashPro Application
By downloading and using the Tala CashPro Application, you:
Acknowledge your agreement with the terms laid out in this Privacy Policy;
Provide Tala CashPro explicit consent to collect, use, share, and manage your Information, which may include personal, sensitive, and confidential categories as defined under applicable laws, following the guidelines of this Privacy Policy;
Certify the accuracy and truthfulness of the Information you have provided and will provide to Tala CashPro;
Authorize Tala CashPro to verify the accuracy of the Information submitted by you;
Understand that to comply with legal obligations, Tala CashPro may be required to disclose your Information to relevant financial and regulatory bodies such as the Bangko Sentral ng Pilipinas, the Anti-Money Laundering Council, credit bureaus, and other oversight agencies as necessary.
10. Facial Information Use and Protection Protocol
User Agreement on Facial Data Collection for Verification Purposes
In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.
By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.
For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.
11. Communication and Policy Enhancement
To communicate with our team, please direct your emails to contact@dizgoretech.com.
Our Privacy Policy may evolve over time to align with our enhanced privacy commitments. As of 12-25-2025, we suggest that you regularly check this page to remain informed about the most recent version of our policy.
