We urge all users to carefully examine our Privacy Policy. By engaging with prompts such as "Sign Up", "I Acknowledge Matrix Loan's Privacy Policy", "I Permit the Collection, Use, Disclosure, Retention, Transmission, and/or Processing of My Personal Data in Accordance with Matrix Loan's Privacy Policy" displayed during the enrollment process or while accessing our services or platform, you signify your understanding and acceptance of the terms within this Privacy Policy concerning your personal data management.
1. Detailed Introduction to Our Loan Service Affiliate
Meet Our Trusted Loan Affiliate: At Matrix Loan, our mission is to offer you an array of loan and credit services through our partnership with leading loan providers. It's vital for our users to be acquainted with these partners.
Loan Provider Profile:
Provider Name: Empire Peak Lending Investors Inc
Legal and License Information:
SEC Registration ID: CS201919994
Certification of Authority: 3191
Communication Line:
Customer Support Email: info@empirepeak.com
Phone: 9754623098
Office Location:
Address: The Trade and Financial Tower 32nd corner 7th Avenue, Fort Bonifacio, NCR, Fourth District Taguig, Metro Manila, 1634 Philippines
2. Principles of Data Use in Matrix Loan
Conducting eligibility reviews for our services to ensure you meet the financial and credit requirements necessary for the service you request.
Managing your loan effectively, covering aspects such as transaction processing, fund disbursement, and adherence to the repayment schedule.
Undertaking thorough identity verification processes to confirm the authenticity of the information provided by you.
Establishing safeguards against fraudulent actions and ensuring the security of our financial services.
Enhancing our offerings through continuous improvement based on customer feedback and service performance analysis.
Proactively resolving any encountered service issues to maintain high customer satisfaction levels.
Adhering to the stringent legal and regulatory framework governing financial services, ensuring all customer identification and anti-money laundering protocols are followed.
Engaging in direct marketing only with your prior consent, offering promotions and updates that are relevant to your interests.
Continually updating you on service changes, new features, and other important information about Matrix Loan.
Partnering with credit assessment and fraud detection agencies to enhance service security.
Providing comprehensive customer support, ensuring effective communication through preferred channels as detailed in our Privacy Policy.
Basis for Processing Your Information at Matrix Loan:
Driven by legitimate interest in delivering high-quality financial services, maintaining operational excellence, and engaging in direct marketing activities.
Compliance with our contractual commitments to you, ensuring that we deliver the services you have requested and prepare adequately before formalizing a service contract.
Relying on your explicit consent for certain data processing actions, emphasizing our commitment to transparency and your privacy rights.
3. Privacy and Data Handling Policy at Matrix Loan
Data Management and Sharing Consent
The Borrower authorizes Matrix Loan to use their information for ongoing assessment of creditworthiness and to ascertain eligibility for further financial or consumer services. This includes potential offerings from Matrix Loan or through external services, requiring comprehensive evaluation of the borrower's financial standing.
Matrix Loan is committed to the non-disclosure of personal data, in accordance with applicable laws, except where sharing is necessary for service provision. Limited data sharing for research purposes is conducted under stringent privacy measures, aiming for the anonymization of such data before sharing with research entities.
By engaging with Matrix Loan's services, borrowers permit the sharing of their data under stipulated conditions to:
The Matrix Loan's wide-ranging network, including affiliates and specialized third-party providers, under executive supervision;
Financial intermediaries and institutions, credit agencies, and parties involved in fraud detection, offering essential support services;
Third-party organizations assisting in the collection of outstanding debts or in the provision of technological and cloud services;
Government and regulatory bodies in cases of legal compliance, tax obligations, or significant corporate transitions like mergers or acquisitions;
Other necessary parties, under the premise of legal requirements, agreement enforcement, or ensuring the safety and rights of Matrix Loan and its stakeholders.
Adherence to this policy ensures that Matrix Loan maintains a high standard of privacy and data protection, in line with legal requirements and service enhancement goals.
4. Data Collection by Matrix Loan 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.
Matrix Loan 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 Matrix Loan services or comply with specific legal requirements. We do not collect your information without your explicit consent, except as required by law.
5. Duration for Which Matrix Loan Retains Personal Data
Your Data is retained by Matrix Loan only for the duration necessary to achieve the objectives of this Privacy Policy, ensuring the efficient delivery of our services. Beyond achieving these purposes, your Data might be stored for: (i) complying with legal requirements; (ii) if laws provide for or permit such retention; and (iii) for laying groundwork for legal defenses or actions.
6. Integration of Automated Systems for Credit Analysis at Matrix Loan
Matrix Loan incorporates cutting-edge automated technologies to streamline the evaluation of loan applications and financial service eligibility, ensuring rapid and personalized decision-making.
Enhanced Loan Processing: By automating the assessment process, we're able to deliver fast and precise credit decisions, especially valuable for individuals with non-traditional financial backgrounds or those new to credit.
Proactive Fraud and Risk Management: Our automated surveillance tools are on constant alert for signs of fraudulent behavior or inconsistencies in application data, helping to maintain the security of our platform and the financial well-being of our users.
Navigating Automated Decision Outcomes: Should you wish to contest the results of an automated credit decision, Matrix Loan provides a channel for review by our human specialists. Concerns can be addressed by contacting: contact@matrixlendingph.com.
7. Exercising Your Data Protection Rights
For assistance or to enact your data protection rights, kindly contact us at contact@matrixlendingph.com.
Information and Consent Rights: We commit to providing comprehensive details about our practices regarding data collection, usage intentions, our sharing partners, data origins, and your rights as a data subject. This information is readily accessible within the Matrix Loan App and our Privacy Policy.
Right to Access: You are entitled to obtain a copy of the personal data we hold about you. However, we reserve the right to withhold certain information if its disclosure could adversely affect the rights of others or contravene legal stipulations.
Right to Rectification: Should you find discrepancies in your data, you're welcome to request adjustments. Verification may be required for the amendment of such data.
Right to Erasure: Under circumstances where you believe the retention of your data is unnecessary, you have the right to request its deletion.
Right to Restriction of Processing: You may request a temporary halt in the processing of your personal data under specific conditions, such as questioning its accuracy or challenging its lawful processing.
Right to Data Portability: Upon your request, and where applicable, we can supply your data in a structured, commonly used, and machine-readable format or transmit it directly to another organization.
Right to Object: If your data is processed based on our legitimate interests, you have the right to object to such processing.
Right to Lodge a Complaint: If you believe your data protection rights have been infringed upon, you have the right to file a complaint with relevant regulatory bodies, including the National Privacy Commission of the Philippines. Please note that there may be circumstances under which we are unable to fulfill your request due to prevailing legal obligations or exceptions.
8. Unsubscribing from Advertising and Marketing
If you would like to unsubscribe from any of our marketing, advertising or promotional materials, please send your request to our email address or contact us by phone. Upon receiving your feedback, we will ensure that you are removed from our marketing distribution lists, thereby respecting your preference to no longer receive promotional information.
9. User Consent and Authorization for the Matrix Loan
Engaging with the Matrix Loan App constitutes your:
Consent to the provisions of this Privacy Policy;
Authorization for Matrix Loan to collect, employ, disseminate, and handle your Information, potentially encompassing various data categories such as personal, sensitive, and confidential information as distinguished by law, as delineated within this Privacy Policy;
Assurance of the authenticity and accuracy of the Information provided to Matrix Loan;
Permission for Matrix Loan to verify the truthfulness of your Information;
Understanding that Matrix Loan's adherence to legal frameworks may necessitate the sharing of your Information with governmental and regulatory authorities, including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting agencies, among others.
10. Facial Data Collection and Use Agreement
User Agreement for Facial Data Use in Account Verification
The integrity and security of your user account are paramount to us. As part of this dedication, the application engages in the collection of facial data during the Know Your Customer (KYC) authentication steps. Please review our practices concerning facial data usage:
Facial Data Collection: We gather information related to your facial attributes and biometric identifiers solely for identity authentication and account security enhancements.
Intended Use of Facial Information: This facial information is utilized exclusively for the KYC verification process, ensuring the legitimacy and protection of your account. This data will not be repurposed for commercial uses.
Privacy and Sharing of Facial Data: We assure you that your facial data remains confidential and is not shared with any external entities without legal requirement or without obtaining your clear consent.
Facial Data Storage and Protection: Rigorous security protocols are in place to guard the facial data stored on our servers, with comprehensive measures adopted to secure your information.
Retention of Facial Data: We hold onto your facial data only as long as it serves the KYC verification need, following which immediate actions are taken to delete or anonymize such data.
Rights Regarding Your Facial Information: You are entitled to access, modify, or request the deletion of your biometric data. Should you have any questions or wish to exercise your rights, our privacy team is ready to assist.
By engaging with our application, you consent to our facial data processing as described herein. Our pledge is to uphold stringent privacy and security levels for all your personal information.
For further details or support, feel free to reach out to our privacy team, committed to ensuring a secure service experience.
11. The Impact of Not Sharing Personal Information
You are under no obligation to provide us with your personal information or consent to its processing. Should you choose to withdraw your consent or not provide the necessary data, please be aware that this may affect our capacity to deliver our services to you effectively. Consequently, this may lead to the termination of our services to you, as allowed by law. Notwithstanding, we may retain your information based on legitimate interests as defined by law, especially in scenarios where outstanding financial obligations exist, to facilitate ongoing collection activities.
12. Inquiry Channels and Policy Update Notifications
For inquiries or support, contact us at contact@matrixlendingph.com.
To ensure our Privacy Policy reflects our latest privacy standards and practices, we periodically update this document. The current version, dated 02-27-2026, will be updated as necessary. Keep visiting this page to stay informed about our privacy practices.
