The User hereby consents to and authorizes Treasure Bowl, the lender, and its subsidiaries and affiliates, his/her employer, the banks, and the certain institutions being mentioned in the following paragraph, to release any information required by Treasure Bowl, the lender, and its subsidiaries and affiliates and/or its third-party partners, such as, but not limited to, the following:

Personal information: Identification data (e.g., first name, surname, date and place of birth, phone number, image capture); data provided by you through your loan application (e.g., employment information and documents, educational attainment); government-issued identification data and documents (e.g., SSS ID, UMID, Voter’s ID, Passport, Driver’s License);

Emergency contact: As a vital part of our loan process, you are required to provide emergency contact information when you apply for a loan. We will scrutinize the list of contacts you provide to identify potential fraud risks, helping us reduce fraudulent loan applications and mitigate credit risks. We will only collect and retain the information of the contacts you select, including names, phone numbers, and other relevant details (such as relationships). All the information you provide will be securely encrypted and transmitted to our servers via HTTPS protocol at https://api.wowperaoffical.com. We assure you that we will not share it with any third parties without your consent. Your provided contact information will be promptly deleted after assessing your risk profile.

Storage: To ensure that the users' loan account statements are downloaded and saved safely on the user’s phone; for users to upload the proper documents for faster approval and disbursal of the loan; to enable the user to enjoy a very smooth and seamless experience when using the app.

Camera: To offer a better and easier way for users to scan or capture identity documents etc., and instead of allowing us to auto-fill the required data, it saves lots of time, thus helping to improve the user’s experience.

Device information: To better detect fraudulent behavior and manage risks, we collect and monitor specific information about users' devices (such as IMEI, location based on Internet Protocol (IP) address, application usage and history, or other device identifiers, device type, etc.). This data is encrypted and securely transmitted to our server (https://api.wowperaoffical.com) via HTTPS protocol. We assure you that this information will not be shared with any third party without your consent.

List of installed applications: We only collect some of the installed applications and upload the installed applications including the application name, package name, installation time, updated time, and version code to (https://api.wowperaoffical.com). We will only use the selected installed applications to analyze your credit level and detect fraudulent behavior. We will not share it with any other parties, nor for the purpose of sale. It is only for the establishment of a risk management model.

Advertising ID: We use the Advertising ID solely for ad optimization and user behavior analysis to enhance our service quality. The Advertising ID data will be encrypted upon collection and securely transmitted via HTTPS to our server (https://api.wowperaoffical.com). We assure you that the Advertising ID data will not be associated with any other information or shared with any third party.

Data related to your communications with Wow Pera (e.g., your communications with Wow Pera via in-app chat, telephone, or other channels);

Data provided by you in relation to participation in special offers and promotional activities conducted by Wow Pera (e.g., promo codes, discounts, and participation in by-invitation-only groups); and

Certain third-party data (e.g., information provided to or from credit reference agencies or bureaus, external collections agencies, mobile network providers) (collectively, your “Information”).

The information that we collect will be used to contact or identify you, including but not limited to:

To verify your identity and/or other information you’ve provided to us;

To assess your eligibility to use our products or services;

To service your loan with Wow Pera;

To troubleshoot any problems you or other customers encounter with Wow Pera’s services;

To provide customer service or support and to resolve disputes and complaints;

To administer our systems, maintain service quality, and compile general usage statistics;

To analyze and improve our services;

To detect, combat, and prevent fraud, attempted fraud, and/or other illegal uses of our services;

To comply with applicable laws, regulations, and rules;

To interface with credit reference or fraud prevention agencies;

To the extent you have not objected to the use of your information for direct marketing purposes after proper notification, to send you marketing or advertising notices or other promotional offers;

To carry out our obligations to you as a result of any contracts or agreements entered into between you and us;

To carry out our legal obligations under applicable law;

In connection with our legitimate interest in (1) providing you with credit and/or other financial or technological products or services, (2) operating our business, (3) marketing our services to you and others and (4) administering our systems and keeping our records up to date;

Wow Pera has adopted technical, organizational, and physical measures to ensure smooth and safe loan transactions.

We value your trust in providing us with your Personal Information, thus we are striving to use commercially acceptable means of protecting it.

No method of transmission over the internet, or method of electronic storage is 100% secure and reliable though we make good faith efforts to store the information collected, we cannot guarantee the absolute security of that information during its transmission or its storage on our system. Further, while we attempt to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers” from illegally obtaining access to this information. We do not warrant or represent that your information will be protected against, loss, misuse, or alteration by third parties.

Data Retention: We store personal data associated with your account for as long as your account remains active. If you close your account, we will delete your account data within 7 days. We store other personal data for as long as necessary to carry out the purposes for which we originally collected it and for other legitimate business purposes, including to meet our legal, regulatory, or other compliance obligations.

To Delete Your Account: Users are entitled to the right to delete their personal information collected and stored on Wow Pera's platforms and systems. By following this process, your account and data will be permanently deleted, and our team will not be able to recover the account. Open Wow Pera app, then follow Wow Pera > Settings > Delete Account.

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any change by posting the new Privacy Policy on this page.

Company Name: TREASURE BOWL FINTECH LENDING CORP.

Business Name: Wow Pera

Company Address: Salcedo Village Brgy. Bel-Air Makati City 1227, Philippines

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

Customer Service: 09171084328 / 09065772483 / support@wowperaoffical.com

Working Hours: (9 AM - 6 PM / 7 Days a week)