Privacy Policy for MiFi.ph

Effective Date: April 2026

Your privacy matters to us. This Privacy Notice explains how Migrant Finance Company (or MiFi) collects, uses, shares, and protects your personal information when you use our website, apps, or services.

By using our services, you agree to the collection and processing of your personal data in accordance with this Privacy Notice and the Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations.

1. Who We Are

Migrant Finance Company (“MiFi”)

  • Address: The Stiles Enterprise Plaza, Hippodromo St, Makati City
  • Licensing: We are licensed by the SEC to serve customers in the Philippines.

Migrant Finance Company acts as the Personal Information Controller of your data in relation to its loan and financial services.

2. Information We Collect

We collect personal data that you provide directly or that we obtain automatically when you use our website, app, chatbots, or through our MiFi advisors:

  • Identity Data: Name, birthdate, nationality, government IDs, photos, signatures.
  • Contact Data: Mobile number, email, home or work address.
  • Financial & Employment Data: Income, employment details, bank account information, loan purpose, or payment history.
  • Transaction Data: Loan amounts, repayment details, payment channels used.
  • Device & Technical Data: Device type, OS version, SIM number, IP address, mobile network, and app usage logs.
  • Location Data: GPS or network-based location (if permissions are granted).
  • Reference Data: References, education, credit bureau data, and lawful third-party sources.

3. Why We Process Your Data

We process data to comply with legal requirements (KYC, Anti-Money Laundering), verify identity, and report to credit bureaus. We also use your data to evaluate loan eligibility, process applications, and improve our services.

Lawful Basis of Processing:

  • Contract: To process your loan application, disbursement, and repayment.
  • Legal Obligation: Including AML and credit reporting.
  • Legitimate Interests: Fraud prevention, risk models, and internal analytics.
  • Consent: For marketing and device permissions (camera, location, contacts).

4. How We Use Your Information

We process your personal data for purposes such as:

  • Processing and managing loan applications and repayments.
  • Identity verification, credit scoring, and fraud prevention.
  • Communication: We use your personal information, including your phone number, to communicate via WhatsApp, SMS, and other channels for order/loan updates, customer support, and marketing (if consented).
Opt-out: You may opt out of WhatsApp communications at any time by replying "STOP".
  • Utilizing auto-dialers, pre-recorded calls, robocalls, chatbots, and self-service menus.
  • Protecting our rights and complying with laws or regulatory requests.

5. Sharing and Disclosure of Your Data

We keep your data safe and share it only with authorized parties:

  • Service Providers: Banks, e-wallets, payment channels, and messaging platforms (telcos, email, and online messengers).
  • Third-Party Services: Customer support, collections agencies, and technology partners for risk assessment.
  • Government & Credit Bureaus: Regulators and credit reporting agencies.
  • Referral Program: We may provide a bonus to a referrer upon your repayment, without sharing specific transaction details.

Privacy Guarantee Regarding Meta & Third Parties: We do not share your data with third parties for advertising purposes. We strictly comply with Meta’s policies and all applicable data protection laws regarding the handling of your information.

6. Where We Process Data

We store and process your information in secure cloud environments with best-in-class protection. Standard contractual clauses and encryption are applied to all data transfers.

7. Retention and Disposal

We retain personal data only as long as necessary or for at least five (5) years under Anti-Money Laundering regulations. When no longer needed, data is securely deleted or anonymized.

8. Your Rights as a Data Subject

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

  • Be informed, access, and obtain a copy of your data.
  • Correct or update inaccurate information.
  • Withdraw consent or object to specific processing.
  • Request deletion or blocking of data when lawful.
  • Lodge a complaint with the National Privacy Commission (NPC).

9. App Permissions and Cookies

Our apps may request access to your camera, contacts, or location to verify identity and credit eligibility. Our website uses cookies to personalize content; you may disable these via your browser settings.

10. Updates to This Notice

We may update this Privacy Notice periodically. Significant changes will be posted on our apps/websites or sent via email/SMS. Continued use of our services constitutes acceptance of the revised policy.

11. Contact Us

For privacy concerns or to exercise your rights, contact our Data Protection Officer:

Ronald Bimboy Dannug

Email: bimboy AT mifi dot ph

MiFi Philippines (Migrant Finance Corporation) is committed to protecting your personal data in accordance with the Philippine Data Privacy Act of 2012 and Singapore Personal Data Protection Act.