Privacy Policy

Platinum Creditplus Lending Corp (PCLC) respects your privacy and is committed to protecting your personal data in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173).

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website and apply for our loan services.

1. Information We Collect

We collect personal information directly from you when you fill out our loan application form or submit required documents.

a. Personal Identification Information

First name and last name
Email address
Primary and secondary mobile numbers
Job title or position onboard (e.g., Chief Cook, Seafarer role)

b. Loan Application and Supporting Documents

For Borrower:

POEA Contract and Overseas Employment Certificate (OEC)
Passport
E-Registration and Seaman’s Book
Proof of Billing
Last Disembarkation Stamp (for new accounts)

For Co-Borrower:

Two (2) valid IDs
Proof of Billing

c. Technical and Usage Data

IP address
Browser type and device information
Pages visited and time spent on the site
Cookies and analytics data

2. How We Use Your Information

To process and evaluate your loan application
To verify your identity and submitted documents
To communicate updates regarding your application
To contact you via phone, SMS, or email
To comply with legal and regulatory requirements
To prevent fraud and unauthorized transactions
To improve our website and services

3. Sharing of Information

We may share your personal data with:

Authorized employees and loan processors
Third-party service providers (e.g., verification, payment processing)
Government agencies when required by law

We ensure that any third party handling your data is bound by confidentiality and data protection obligations.

We do not sell or rent your personal information to third parties.

4. Data Protection and Security

We implement appropriate organizational, physical, and technical safeguards to protect your personal data, including:

Secure storage of documents and records
Restricted access to authorized personnel only
Secure data transmission and system protection

While we take reasonable steps to protect your data, no system is completely secure.

5. Data Retention

Your personal data will be retained only for as long as necessary:

To fulfill the purposes for which it was collected
To comply with legal and regulatory obligations
To resolve disputes and enforce agreements

6. Your Rights as a Data Subject

Under the Data Privacy Act of 2012, you have the right to:

Access your personal data
Correct inaccurate or incomplete information
Object to the processing of your data
Withdraw consent (subject to legal limitations)
Request deletion or blocking of your data
File a complaint with the National Privacy Commission

7. Cookies and Tracking Technologies

Our website may use cookies to:

Improve user experience
Analyze website traffic
Enhance website functionality

You may disable cookies through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated effective date.

10. Contact Us

Platinum Creditplus Lending Corp (PCLC)
Email: info@platinumcreditplus.com
Phone: 0998-967-4774
Website: https://www.platinumcreditplus.com/

Effective Date: January 1, 2023