Our Commitment to Privacy

Noe Lending Corp. ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [Your Website URL - e.g., www.noelending.com.ph], use our services, or interact with us.

Noe Lending Corp. is a lending company duly organized and existing under the laws of the Republic of the Philippines, registered with the Securities and Exchange Commission (SEC) under Registration Number: 2025040197868-02, and holding Certificate of Authority Number: L-25-08-51-69. We adhere to the principles of the Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations.

Information We Collect

We may collect personal information that you voluntarily provide to us when you:

  • Register on our website or platform.
  • Apply for a loan or other financial products/services.
  • Contact us via email, phone, or contact forms.
  • Participate in surveys or promotions.
  • Interact with our website (e.g., through cookies, log files).

The types of personal information we may collect include, but are not limited to:

  • Identification Data: Name, address, email address, phone number, date of birth, government-issued IDs.
  • Financial Data: Income information, employment details, bank account details (as necessary for loan processing and disbursement).
  • Technical Data: IP address, browser type, operating system, device information, website usage data (collected via cookies or similar technologies).
  • Communication Data: Records of your correspondence with us.

We may also collect non-personal information that does not directly identify you, such as aggregated usage data.

How We Use Your Information

We use the information we collect for various purposes, including:

  • To provide, operate, and maintain our services (including loan processing, disbursement, and collection).
  • To process your applications and transactions.
  • To improve, personalize, and expand our website and services.
  • To understand and analyze how you use our website and services.
  • To communicate with you, including responding to inquiries, providing updates, and sending marketing materials (where permitted).
  • To comply with legal and regulatory obligations (including reporting requirements to the SEC and other relevant bodies).
  • To prevent fraud and enhance security.
  • For credit scoring and risk assessment.

Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following limited circumstances:

  • With Service Providers: We may share information with third-party vendors and service providers who perform services on our behalf (e.g., payment processing, data analysis, IT services, customer support, credit bureaus). These providers are obligated to protect your information.
  • For Legal Reasons: We may disclose your information if required by law, regulation, legal process (like a subpoena), or governmental request, or to protect the rights, property, or safety of Noe Lending Corp., our users, or others.
  • Business Transfers: In connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction.
  • With Your Consent: We may share your information for other purposes with your explicit consent.

Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. However, please be aware that no security measures are perfect or impenetrable, and we cannot guarantee absolute security.

Your Data Privacy Rights

In accordance with the Data Privacy Act of 2012, you have rights regarding your personal information, including:

  • The right to be informed about the collection and processing of your personal data.
  • The right to access your personal data.
  • The right to object to the processing of your personal data.
  • The right to rectification of inaccurate data.
  • The right to erasure or blocking of your personal data.
  • The right to data portability.
  • The right to file a complaint with the National Privacy Commission (NPC).

To exercise these rights, please contact us using the information below.

Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

  • By Email: privacy@noe-lending.com
  • By Mail: Noe Lending Corp., Level 10-1 Fort Legend Tower, 31st Street & 3rd Avenue, Taguig City Philippines