It is imperative for all users to conduct a thorough examination of this Privacy Policy. Engaging with selections such as “Sign Up”, “I Uphold Genesis Credit's Privacy Policy”, “I Approve the Execution of My Personal Information in Alignment with Genesis Credit's Privacy Policy” or equivalent wording during the signup phase or in the course of accessing our services and platform, you are thereby certifying your awareness and endorsement of the methodologies described in this document for managing your personal information.




1. Partner Loan Provider Information

Introduction to Our Partner: Genesis Credit collaborates with esteemed loan providers to bring you diverse credit options and loan services. Understanding our partners is crucial to us, and we want to ensure you're well informed.

Provider Overview:
Name of Loan Provider: FT LENDING MASTER PHILIPPINES CORP
Regulatory Compliance:
SEC Registration Number: CS201910863
Authority Certificate Number: 3025
Contact Details:
Email Support: [email protected]
Telephone: 9610301352
Address: Ayala Triangle Tower 1, Cor. Ayala Ave., and Paseo de Roxas Ave.,St.,Brgy. Bel-Air, Makati, Metro Manila, 1209 Philippines




2. Consent and Delegation by Engaging with Genesis Credit App

Upon the installation and utilization of the Genesis Credit App, you consent to:

Adhere to the conditions of this Privacy Policy;
Allow Genesis Credit the authority to process your Information, which may span across personal, sensitive, and confidential data types as per relevant legislation, in alignment with the practices described in this Privacy Policy;
Affirm the truth and completeness of all Information you have supplied and commit to provide to Genesis Credit;
Grant Genesis Credit permission to undertake verification processes to confirm the accuracy of the provided Information;
Acknowledge Genesis Credit's requirement to share your Information with regulatory entities including but not limited to the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting bodies to meet statutory and legal duties.






3. Collection and management activities at Genesis Credit target:

Personal identification metrics, including your name and birth date;
Information from your loan application about your salary, employment, the purpose behind the loan, and mobile device characteristics;
Your reachable contacts, detailed by home address, telephone, and email;
Exclusive borrower insights, such as SSS numbers, occupational data, personal and emergency contact details;
Technical details of your mobile unit, including identifiers, system and OS versions, configurations, account specifics, carrier, and network data, plus display attributes;
These details (referred to as "Info") are acquired via:
The action of downloading or showing intent to apply for a loan via the Genesis Credit app;
Your engagements with our support or loan facilitation personnel;
Credit assessment services for validating your Info against varied data sources or for fraud mitigation efforts;
The rationale behind gathering and handling your Info by Genesis Credit spans service delivery or meeting legal requirements. We ensure your Info is collected solely with your explicit permission.




4. Governance of User Information by Genesis Credit

Through the acceptance of this Privacy Policy, the Borrower authorizes Genesis Credit, along with its subsidiaries and partners, to conduct regular credit assessments using the provided information, not only during the loan's term but also for future financial service considerations.

Genesis Credit guarantees the confidentiality of personal data, with a strict policy against disclosing such information to unrelated third parties, except as strictly required for delivering its financial services. Limited personal data may be shared with selected research partners, with a preference for data anonymization to protect user privacy.
By agreeing to this policy, you permit Genesis Credit to disseminate your data, when necessary, to:

The broader Genesis Credit Group network, including associated agents, affiliates, and leadership teams;
Banking and financial partners, credit reference agencies, and organizations specializing in fraud detection and technological support;
External entities tasked with assisting in financial recoveries or operational enhancements;
Appropriate regulatory bodies and entities in the event of legal, merger, or acquisition proceedings;
Other relevant parties under the compulsion of legal directives, for the enforcement of agreements, or for safeguarding the interests of Genesis Credit and its community.

This structured approach to data sharing is integral to the provision of Genesis Credit's services, reflecting a commitment to legal compliance and the secure management of user data.




5. Genesis Credit's Data Application Objectives

Evaluating eligibility criteria for our products, such as credit evaluations, financial capability assessments for requested services, and eligibility for service enhancements.
Facilitating the administration of loans, including transaction processing, fund distribution, and repayment oversight.
Undertaking identity verification to authenticate the information provided by users.
Implementing measures to prevent fraud, illegal financial activities, and unauthorized access to our services.
Committing to the continuous improvement of our offerings based on customer insights and operational data.
Addressing any service discrepancies or challenges encountered by users promptly.
Observing legal and regulatory mandates, particularly concerning customer identification and anti-money laundering practices.
Providing marketing materials and updates on promotions, conditional on user consent for such communications.
Ensuring users are informed about significant service updates or changes.
Partnering with credit monitoring and fraud prevention agencies to reinforce service security.
Delivering customer service and support, utilizing various communication channels as specified in our Privacy Policy.
Rationale for Processing Personal Information:
Our legitimate interest in refining our services, operational efficiency, and engaging in meaningful marketing.
The execution of our contractual obligations, ensuring the delivery of services as requested by users.
Based on explicit consent from users for specific processing purposes, aligning with their preferences and legal requirements.



6. Duration of Data Storage by Genesis Credit

At Genesis Credit, the retention of your Data is carefully managed to ensure it is kept no longer than is necessary for achieving the aims detailed in sections 2 and 10 of our Privacy Policy. Thereafter, a prudent timeframe is observed to satisfy the completion of our service delivery. Furthermore, we reserve the right to retain your Data for extended periods under certain conditions: (i) to adhere to legal and regulatory obligations; (ii) when the law explicitly allows for such retention; and (iii) to establish, exercise, or defend legal claims.




7. Integration of Automated Systems for Credit Analysis at Genesis Credit

Genesis Credit 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, Genesis Credit provides a channel for review by our human specialists. Concerns can be addressed by contacting: .




8. Potential Ramifications of Not Providing Personal Data to Genesis Credit

The submission of your personal information to Genesis Credit is entirely at your discretion, and you are free to withdraw consent for its processing whenever you choose. However, a lack of consent may render us unable to deliver the products and services you seek, potentially leading to the termination of our contractual relationship in adherence to legal provisions. Notwithstanding, under circumstances where Genesis Credit has a legitimate interest, such as for the settlement of unresolved loans, we may continue to hold and process your personal data to address such financial matters, consistent with applicable legal frameworks.



9. Facial Recognition Data Policy

Consent to Facial Data Collection for Enhanced Security Measures
In our commitment to uphold the integrity and safety of your account, this application may request your facial data as part of the Know Your Customer (KYC) procedures. Below is a comprehensive overview of how we handle facial recognition data:
Collection of Facial Recognition Data: For identity verification purposes, we collect data related to your facial features and biometric identifiers. This process is critical for validating your identity and safeguarding your account.
Purpose of Collecting Facial Data: The sole application of this facial data is for KYC processes, aiming to confirm the authenticity of your account and to bolster its security. We guarantee this information will not be exploited for any commercial activities outside this scope.
Confidentiality and Data Sharing: Your facial data is treated with the utmost confidentiality. It will not be disclosed to third parties except under legal compulsion or with your direct approval.
Secure Data Storage: We employ robust security measures to protect your facial data stored on our servers, ensuring its safety through both technical and organizational strategies.
Duration of Data Retention: Facial data is kept only for the duration necessary to complete KYC verification. Post-verification, steps are promptly taken to either eradicate or anonymize this data.
Your Privacy Rights: At any moment, you can request access to, amendment of, or deletion of your facial data. For any inquiries or to exercise your rights, please contact our dedicated privacy team.

Your use of our application signifies your consent to the facial data processing practices outlined here. We are committed to maintaining the highest privacy and security standards for your personal data.

For additional information or inquiries, our privacy team is at your service, ensuring a secure and dependable experience with our app.




10. Reaching Out and Privacy Policy Revisions

Should you have any questions or need assistance, our team is available at .
Our Privacy Policy is reviewed and updated periodically to reflect our ongoing commitment to your privacy and security. Please note that the latest policy update was made on 05-09-2025. We advise you to frequently visit this page for the most current policy information.