RDR CREDIT – DATA PRIVACY STATEMENT 
 

RDR Credit (“RDR”, “we”, “our”, or “us”) is a loan facilitation and loan service company. We assist clients by processing and submitting loan applications to our accredited partner lenders, who are the entities responsible for evaluating, approving, and releasing loan proceeds. RDR does not release loans and does not operate as a financing or lending company.
 

This Data Privacy Statement (“Statement”) explains how we collect, use, protect, and share your personal information when you access our websites, interact with our representatives, or apply for any of our services.
 

By using our website or availing of our services, you acknowledge and agree to the practices described in this Statement.
 

1. Use of Cookies

RDR uses cookies to understand how you use our website and to improve your browsing experience. Cookies help us deliver content tailored to your interests. By continuing to use our website, you consent to our use of cookies.

2. Scope and Compliance

This Statement covers all personal information collected through:

• Our websites and online platforms

• Mobile applications

• Social media pages

• Loan application forms

• Interactions with RDR employees, authorized representatives, agents, and service providers

Our privacy practices comply with the Data Privacy Act of 2012 (RA 10173) and its Implementing Rules and Regulations. If you access our services from outside the Philippines, you agree that your information may be processed in accordance with Philippine data protection standards.

3. Information We Collect

When you apply for a loan through RDR or interact with us, we may collect the following personal information:

• Name, contact details, address, birthdate, and demographic information

• Government-issued ID details and specimen signatures

• Financial information (income, expenses, balances, tax records, transaction history, etc.)

• Employment or business details

• Business documents and permits

• Information needed to process and submit your application to our partner lenders

• Feedback, survey responses, and communication records

We may also collect non-personal information when you access our website, such as:

• IP address

• Device information

• Browser type and version

• Cookies and analytics data

4. Sensitive Personal Information

We may collect sensitive personal information only when necessary for processing your loan application, including:

• Government-issued identification numbers

• Health or education records (only when required by partner lenders)

• Information required by law, regulation, or competent authority

5. How We Use Your Information

We use your information to:

• Process, evaluate, and submit your loan application to our partner lenders

• Verify your identity and validate your documents

• Respond to inquiries, requests, and concerns

• Provide updates regarding your application

• Improve our services, website, and customer experience

• Send relevant announcements, reminders, promotions, and service updates

• Comply with legal, regulatory, and reporting requirements

6. Sharing of Information

RDR does not sell personal information.

We may share your information only under the following conditions:

a. With Partner Lenders

To process and submit your loan application for evaluation and approval.

b. Within RDR

To improve our services and understand client needs.

c. With Subsidiaries or Affiliates

To offer related services or programs that may benefit you.

d. With Third-Party Service Providers

Under strict confidentiality agreements, including:

• Document collection partners (e.g., Jotform, Inc.)

• Verification agencies

• IT, analytics, and customer support providers

e. With Government or Regulatory Bodies

When required by law, regulation, or court order.

f. For Data Processing Outside the Philippines

If necessary, in compliance with the Data Privacy Act.

7. Protection of Your Information

We recognize the importance of your personal and sensitive information. RDR employs:

• Physical security controls

• Technological safeguards

• Encryption and secure storage

• Strict access controls

• Employee training on data protection

Third-party partners are required to meet our security standards.

8. Retention of Information

We retain your information only for as long as necessary:

• To fulfill the purpose for which it was collected

• To comply with legal, regulatory, or contractual obligations

• For legitimate business purposes

Once no longer required, information will be securely disposed of.

9. Your Rights as a Data Subject

You have the right to:

• Access your personal information

• Correct or update your information

• Withdraw consent to marketing communications

• Restrict sharing of your information with affiliates or partners (unless required for your availed service)

• Raise concerns about how your data is collected, used, shared, or disposed

A processing fee may apply depending on the nature of your request.

10. Changes to This Statement

RDR may update this Privacy Statement to reflect changes in laws, regulations, or internal policies. Updates will be posted on our website.

11. Definitions

Personal Information – Any information that identifies an individual. Sensitive Personal Information – Information relating to race, ethnicity, marital status, health, government-issued IDs, and other data defined under RA 10173.