iOS LF Lending Privacy Policy

Privacy Policy

(Pursuant to Republic Act No. 10173 or the Data Privacy Act of 2012)

LF LENDING SERVICES CORPORATION. (SEC Registration [NO.CS202001294], Certificate of Authority NO. 3225), operating under the name “LF Lending” in the Philippines, prioritizes the protection of your personal data in all our lending-related services. We urge you to carefully review this Privacy Notice to understand the scope, manner and purpose of our personal information processing. This notice is formulated to ensure that your personal data is processed in strict compliance with the Republic Act No. 10173 (Data Privacy Act of 2012, DPA) and its Implementing Rules and Regulations (IRR), as well as relevant financial regulatory requirements for lending institutions.

By accessing, registering an account, or using our services, you acknowledge that you have read and understood this Privacy Notice. Where required by law or platform policy, we will request your specific consent before collecting or processing certain categories of personal data.

This Privacy Notice takes effect at 00:00 on February 27, 2026. Your continued use of LF Lending services after this Privacy Notice or any updated version becomes effective means that you acknowledge the applicable terms. Where required by law, platform policy, or the nature of the data processing, LF Lending will request your separate consent before processing specific categories of personal data.

Personal Data Collection and Usage

Device Information

Purpose: LF Lending collects limited device information to verify your device, protect your account, prevent fraudulent loan applications, detect abnormal device environments, and maintain the security and reliability of loan-related operations.

When Used: Device information may be collected when you register or log in, submit a loan application, request a credit limit adjustment, change your login device, or perform other sensitive account or loan-related operations.

Data Collected: The device information we collect may include device model, operating system version, app version, IP address, Identifier for Vendor (IDFV), device language, network type, device security status, and basic app operation logs. If permitted by iOS and only after required user consent, we may process the advertising identifier for attribution and campaign measurement. We do not collect IMEI, IMSI, SMS, call logs, contact list data, or installed application lists on iOS.

Protection: All device information is encrypted during transmission and stored securely on our authorized servers. Device risk records are retained only for as long as necessary for account security, fraud prevention, legal compliance, or dispute resolution. Routine device risk records are generally retained for up to 90 days, unless a longer retention period is required for fraud investigation, regulatory compliance, or legal obligations.

User Control: You may limit certain device-related data collection by adjusting your device settings, such as location, advertising ID, or network permissions where applicable. However, some basic device and security information is necessary for account protection, fraud prevention, and loan service security, and may still be processed when you use LF Lending services.

Camera Access

Purpose: LF Lending uses camera access only for identity verification and fraud prevention. Specifically, the camera may be used to capture your government-issued ID document and perform a liveness check or selfie verification to confirm that the applicant is the real account holder and to prevent impersonation, identity fraud, and unauthorized loan applications.

When Used: The camera is activated only when you manually start the in-app identity verification process, such as taking a photo of your ID document, taking a selfie, or completing a liveness check. LF Lending does not activate the camera in the background, does not continuously record, and does not use the camera without your explicit action.

Data Collected: The data collected through the camera may include images of your government-issued ID document, selfie images, and, where required by the liveness verification process, limited liveness detection data. These data are used only for identity verification, fraud prevention, account security, and compliance with applicable lending and customer due diligence requirements.

Protection: Photos and liveness verification data captured through the camera are encrypted during transmission and stored securely on our authorized servers. LF Lending will not sell, rent, or disclose your images to third parties for marketing or unrelated purposes. We may share such data only with our contracted identity-verification service providers, who are bound by data protection obligations, or with competent authorities where required by Philippine law, regulatory requirements, or legal process.

Permission Control: Camera permission is requested only when you start the identity verification feature. You may deny or revoke camera permission at any time through your device settings. However, if camera access is denied or revoked, you may be unable to complete identity verification, which may affect your ability to submit or complete a loan application.

File Upload via System Picker

Purpose: LF Lending allows you to voluntarily upload specific files or images for identity verification, loan application review, repayment confirmation, or customer support. These files may include supplementary identity documents, proof of payment, or screenshots related to a service issue.

When Used: This feature is used only when you actively choose to upload a file or image in the LF Lending app. LF Lending does not request broad photo, video, media, or external storage permissions, and does not scan, read, or access your photo gallery, videos, or files stored on your device.

Data Collected: We only receive the specific file or image that you select and submit through the iOS system picker, file picker, or other platform-provided upload mechanism. We do not collect other photos, videos, files, album metadata, or media library contents from your device.

Protection: The files you upload are encrypted during transmission and stored securely on our authorized servers. Uploaded files are used only for the purpose for which they were submitted, such as identity verification, repayment confirmation, dispute handling, or customer support. We retain these files only for as long as necessary to process your request, unless a longer retention period is required for legal compliance, fraud prevention, regulatory obligations, dispute resolution, or loan recordkeeping.

User Control: You decide whether to upload a file or image. Because LF Lending uses the system picker or file picker, you can select only the specific file you want to submit. If you do not upload the required document or proof, this may affect our ability to complete identity verification, process your loan application, verify repayment, or resolve your support request.

Approximate Location

Purpose: LF Lending may collect approximate location information, with your consent, to confirm service availability within the Philippines, detect unusual or cross-regional account activity, prevent fraud, and support account and transaction security.

When Used: Approximate location may be collected when you register or log in, submit a loan application, request a credit limit adjustment, perform repayment-related operations, or access region-specific services provided by LF Lending.

Data Collected: We collect approximate location data only, such as coarse location signals or obfuscated latitude and longitude with limited precision. LF Lending does not request or collect precise GPS location.

Protection: Approximate location data is encrypted during transmission and stored securely on our authorized servers. Routine location risk records are generally retained for up to 90 days, unless a longer retention period is required for fraud investigation, account security, dispute resolution, legal compliance, or regulatory obligations.

User Control: You may disable location access for LF Lending at any time through your device settings. Disabling approximate location access will not affect basic account access, but it may limit our ability to verify loan-related transactions, detect abnormal account activity, prevent fraud, or provide region-specific services.

Emergency Contact Information

Purpose: LF Lending may collect emergency contact information to support account verification, account recovery, identity confirmation, fraud prevention, and lawful repayment-related communication when necessary.

When Used: Emergency contact information is provided only when you manually enter it or actively select a specific contact through a system-provided contact picker. LF Lending does not request access to your device contact list, does not scan your address book, and does not use the Contacts permission.

Data Collected: The emergency contact information we collect may include the contact’s name, mobile number, relationship to you, and other information you voluntarily provide for account verification or repayment-related communication.

Use Limitation: We may contact your emergency contact only when reasonably necessary, such as for account recovery, identity confirmation, fraud prevention, or lawful repayment-related communication. We will not use emergency contact information for marketing, advertising, harassment, public disclosure, public shaming, or unrelated purposes.

Protection: Emergency contact information is encrypted during transmission and stored securely on our authorized servers. We will not sell, rent, or disclose emergency contact information to third parties for marketing or unrelated purposes. We may disclose such information only where required by Philippine law, regulatory requirements, legal process, or to authorized service providers who are contractually required to protect the data and use it only for the stated purpose.

User Responsibility: Before providing emergency contact information, you should ensure that the contact is aware that their information may be submitted to LF Lending for the purposes described above.

Saving Repayment Codes to Photo Library

Purpose: LF Lending may request permission to add images to your photo library so that you can save repayment codes generated within the app for loan repayment purposes.

When Used: Photo library additions access may be used when you choose to save a repayment code, repayment reference image, or repayment instruction image generated by LF Lending to your device’s photo library.

Data Added: LF Lending may add only the specific repayment-related image that you choose to save from within the app. This may include a repayment code, payment reference image, or repayment instruction image generated for your loan repayment.

Permission and Scope Limitation: LF Lending uses this permission only to save the selected repayment code or repayment-related image to your photo library. LF Lending does not use Photo Library Additions access to read, scan, browse, collect, upload, or analyze your existing photos, videos, albums, screenshots, or other media stored in your photo library.

Protection: The repayment code or repayment-related image is generated by LF Lending and saved to your device’s photo library only when you choose to save it. LF Lending protects related loan and repayment records through secure transmission, access controls, and authorized server storage in accordance with our privacy and security practices.

User Control: You can choose whether to allow LF Lending to add repayment codes or repayment-related images to your photo library. You may manage or revoke this permission at any time in your iOS device settings. If permission is not granted, you can still use LF Lending services, but you may not be able to save repayment codes directly to your photo library.

Tracking Usage Description

Purpose: LF Lending may request tracking permission to measure advertising campaign performance, understand how users discover LF Lending, and prevent promotional abuse. Tracking permission is not required to access LF Lending’s core loan services.

When Used: Tracking permission may be requested when you install or open the app, register or log in, or interact with promotional campaigns, where advertising attribution or campaign measurement may be required.

Data Used: If you allow tracking, LF Lending may use limited app-related identifiers, such as the device advertising identifier, app installation attribution data, campaign attribution data, device-related signals, and basic usage events. These data may be processed with authorized analytics, attribution, advertising, or fraud-prevention partners to measure campaign effectiveness and prevent promotional abuse.

Permission and Scope Limitation: LF Lending requests tracking permission only for advertising attribution, campaign measurement, and promotional abuse prevention. LF Lending does not use tracking permission to access your private photos, contacts, messages, call history, financial account passwords, personal files, or content stored in other applications. LF Lending does not sell your personal loan information to advertisers.

Protection: Tracking-related data is transmitted securely and processed only by LF Lending and authorized service providers under appropriate security and confidentiality controls. It is used only for advertising attribution, campaign measurement, service analytics, and promotional abuse prevention. Routine tracking and attribution records are retained only for as long as necessary for campaign measurement, fraud prevention, legal compliance, dispute resolution, or regulatory obligations.

User Control: You can choose whether to allow tracking. You may manage or revoke tracking permission at any time in your iOS device settings. If you do not allow tracking, you can still use LF Lending’s core loan services, but LF Lending may have limited ability to measure advertising performance, identify promotional abuse, or personalize campaign-related experiences.

Information Collection

When you create an LF Lending account, submit a loan application, or use our services via platforms such as Google Play, Apple’s App Store or our official website, we will collect your personal information in accordance with the principle of data minimization (only collecting information necessary for lending services). The collected information is categorized as follows, and all collection behaviors comply with the explicit consent requirement under the DPA:

Personal Information

Full name, identity verification data such as ID document images, selfie images, and liveness verification results, date of birth, gender, profession, current and permanent addresses, photographs submitted with your explicit permission, contact numbers, email addresses, IP addresses, browser types or operating systems, financial data including bank account details for fund disbursement and repayment, creditworthiness information, and character reference details such as names and contact numbers for identity verification and lawful repayment-related communication.

Sensitive Personal Information

Nationality, marital status, age, educational attainment, and government-issued identification numbers (e.g., SSS, TIN, Driver’s License or other valid ID type) (for customer due diligence under anti-money laundering laws).

Device and Usage Data

Device model, operating system version, app version, IP address, device language, network type, Identifier for Vendor (IDFV), advertising identifier only where permitted by iOS and with required user consent, approximate location data with your consent, and service usage information such as app interaction records and loan application operation logs. LF Lending does not collect IMEI, IMSI, SMS, call logs, contact list data, installed application lists, or unrelated personal files on iOS.

Risk Control & Anti-Fraud SDK Information

Information necessary for fraud prevention and risk management may be processed through our authorized risk-control or identity-verification service providers. This may include basic device details, app version, login IP address, IDFV, security-related device signals, loan application behavior logs, and liveness verification results where applicable. Advertising attribution data may be processed only where permitted by iOS and with required user consent. LF Lending does not collect SMS, call logs, contact lists, installed application lists, IMEI, IMSI, or unrelated personal files on iOS.

Collection Channels

• Direct submissions by you via our app, official website or offline service channels;
• Automated tracking of your legitimate interactions with our platform (excluding any covert data collection);
• Publicly available information sources, government regulatory agencies, and authorized third-party partners (only with your written/explicit electronic consent).

Purpose of Data Collection

We process your personal data only for the following legitimate business purposes related to lending services, and will not use the data for any unstated or irrelevant purposes:

• Account Management: To create, verify, maintain and manage your LF Lending account, and ensure the authenticity of account holders;
• Loan Application & Processing: To evaluate your loan eligibility, review application materials, and process fund disbursement/repayment;
• Fraud Prevention & Risk Management: To identify and prevent fraudulent loan applications, abnormal transactions, and ensure the security of our platform and your funds;
• Debt Collection: To recover outstanding debts in accordance with Philippine laws and regulatory requirements (strictly abiding by legitimate collection norms, no violent/harassing collection);
• Marketing & Promotions: To inform you about our lending product offers and promotions (only with your explicit opt-in consent; you may unsubscribe at any time);
• Customer Support: To handle your service inquiries, complaints and resolve service-related issues;
• Legal Compliance: To adhere to Philippine laws and regulations, including anti-money laundering (AML), counter-terrorism financing (CTF), and financial regulatory requirements for lending institutions;
• Research & Development: To optimize our lending products and services through anonymous statistical analysis of user feedback and usage data (excluding any identifiable personal data);
• Identity Verification: To verify your identity through ID document images, selfie images, and liveness verification results for account security, customer due diligence, fraud prevention, and loan application verification.

Usage of Personal Data (Permitted Processing)

We may use, process, and/or disclose your personal data within LF Lending and to our affiliated companies (within the LF Lending Group) only for the purposes specified in Clause 2, and shall not exceed the scope of your consent. The permitted processing includes:

• Identity authentication and account security verification;
• Loan application review, credit assessment and transaction processing;
• Fraud detection, investigation and risk prevention (in accordance with anti-fraud laws);
• Legitimate customer communication (e.g., sending loan repayment reminders, service updates, and responding to your inquiries);
• Credit checks and financial assessments (in cooperation with licensed credit bureaus);
• Legitimate debt collection for outstanding loans (in compliance with Philippine collection regulatory norms);
• Compliance with legal and regulatory obligations (e.g., providing required data to financial regulatory agencies).

Personal data may only be shared with third-party service providers, regulatory authorities, and strategic partners under specific legal conditions or with your explicit consent, and all such sharing shall be subject to strict data protection constraints.

Disclosure of Personal Data

We strictly maintain the confidentiality of your personal data and will not sell, trade, or rent your personal data to any third party for profit. We may disclose your personal data to the following parties (within and outside the Philippines) only for legitimate business purposes and in accordance with the DPA, and all disclosed data shall be limited to the minimum scope necessary for the stated purpose:

Disclosure to Affiliates and Subsidiaries

LF Lending will disclose personal data to other entities within the LF Lending Group only when necessary for operational, business and service enhancement purposes (e.g., cross-platform risk control). Affiliates and subsidiaries must uphold the same strict data protection standards as LF Lending, and are contractually obligated to not use the disclosed data for any other purposes.

Disclosure to Third-Party Service Providers

We engage licensed third-party service providers to assist in delivering our lending services, and all such providers are contractually bound to protect your personal information in accordance with the Data Privacy Act of the Philippines and other applicable laws. These providers include (but are not limited to):

• Payment processors (for fund disbursement and repayment);
• Licensed debt collection agencies (for legitimate debt recovery, subject to LF Lending’s strict supervision);
• Data analytics service providers (for anonymous statistical analysis only);
• Customer support outsourcing agencies (for handling service inquiries);
• Authorized risk control service providers (for fraud prevention and credit assessment).

Risk Control Service

By agreeing to this Privacy Agreement, you expressly authorize LF Lending to utilize services for the purposes of phone number verification, email digital footprint analysis, and loan application risk assessment. This authorization is only for verifying your contact information, assessing your creditworthiness, and preventing fraudulent activities, to enhance the security and efficiency of our lending processes.

• This consent is effective from the date of your agreement and remains valid for the duration of your loan agreement (including repayment period) + 1 year, or a specified period as required by law;
• You have the right to revoke this consent at any time by contacting our Data Protection Officer (DPO);
• The risk-control service is limited to phone number, email address, and basic loan application information, unless additional data is separately disclosed and consented to. Our authorized service providers are contractually required to maintain the confidentiality and security of your data and to use it only for the purposes specified in this Privacy Notice.

Individual Rights and Control

You have the right to request information about the third-party service providers we use and the specific data shared with them. You also have the right to access, correct, and request the deletion of your personal data processed by these third parties (subject to applicable laws and regulations). To exercise these rights, you may contact our DPO at the email address specified in Clause 14.

Disclosure to Credit Bureaus and Legal Authorities

• Credit Bureaus: Licensed national and local credit reporting agencies may receive your personal data for credit reporting and assessment purposes (only as permitted by Philippine credit laws);
• Legal Authorities: Government agencies, financial regulatory authorities, or courts may be provided with your personal data when required by law, legal process, or to protect LF Lending’s legitimate rights and interests (e.g., responding to regulatory investigations, handling loan dispute litigation).

Disclosure to Strategic Partners

Strategic partners (e.g., licensed financial institutions for joint lending) may receive your personal data only with your explicit consent or as otherwise permitted by law, for joint lending or legitimate business operations. All such disclosures are subject to strict contractual safeguards to protect the privacy and security of your personal data, in full compliance with the DPA.

Changes to Personal Data

You are responsible for ensuring the accuracy and timeliness of your personal data registered with LF Lending. You have the right to request corrections, updates or supplements to your personal information at any time. To update your data, please contact our DPO at dpo@lflendingservices.com, and provide the following verification materials (to ensure account security):

• Your registered full name and mobile number;
• Scanned copy of your government-issued ID (matching the ID used for account registration);
• Supporting documents for the updated information (if applicable).

We will review and process your data change request within 3 working days upon receipt of complete and valid verification materials.

Withdrawal of Consent

You may withdraw your consent to the processing of your personal data at any time by sending a written request to our DPO via the official email address. However, please note that:

• Withdrawing consent may affect our ability to provide you with lending services. For example, if you withdraw consent for identity verification, we may not be able to process your loan application.
• For ongoing contractual obligations (e.g., an outstanding loan agreement), we will continue to process your personal data as required by the loan agreement and Philippine laws until the contractual obligations are fully fulfilled;
• Withdrawal of consent will not affect the validity of personal data processing conducted before the withdrawal.

Security Measures

We adopt a multi-layered data security protection system including physical, technical and organizational measures to safeguard your personal data from unauthorized access, use, disclosure, alteration or destruction. The specific measures include:

• Physical security: Restricted access to data storage facilities, 24/7 monitoring and data backup;
• Technical security: Data encryption (in transmission and storage), firewalls, anti-virus systems, and regular security vulnerability scans;
• Organizational security: Strict internal data access permissions, regular data protection training for employees, and a dedicated data protection team.

However, no security system is completely invulnerable. We cannot guarantee absolute security of your personal data due to factors beyond our reasonable control (e.g., network attacks, computer viruses, or unauthorized third-party access). We will promptly notify you and take remedial measures in accordance with the law in the event of a data security breach.

Data Portability

In accordance with the DPA, you have the right to request LF Lending to provide your personal data (processed by us) in a structured, commonly used, and machine-readable format (e.g., CSV, Excel). We will also provide your personal data to a third party designated by you where technically feasible and in compliance with the law.

To exercise this right, please contact our DPO with a written request (including the format of the data and the designated third-party information), and we will process your request within 7 working days upon verification of your identity.

Profiling

We may use automated processing, including profiling, to assess your creditworthiness, loan eligibility and fraud risk (in accordance with Philippine lending and credit laws). The profiling is based on your personal data, loan application information, and credit history (in cooperation with licensed credit bureaus).

You may object to such automated profiling processing at any time by contacting our DPO. However, please note that objection to profiling may prevent us from providing you with lending services, as we will not be able to conduct a reasonable credit and risk assessment for your loan application.

Account Deletion and Data Retention

Right to Account Deletion

You have the right to request the deletion of your LF Lending account at any time after all your loan obligations (including principal and interest) are fully fulfilled, through the functionality provided within our app and/or official website. Upon receiving your valid request, we will take steps to close your account and erase personal data that we are not legally required to retain.

Two Account Deletion Options:

1. In-App Account Deletion

   1. Open the LF Lending app and log in to your account;
   2. Go to “Profile” > “Setting” > “Account Deletion”;
   3. Complete the identity verification (e.g., SMS verification);
   4. Confirm your deletion decision as prompted (the system will issue a final confirmation notice).

2. Web-Based Account Deletion Request

   1. Visit the official LF Lending account deletion page;
   2. Fill in your registered information and complete identity verification;
   3. Submit the deletion request.

Our support team will process your account deletion request within 72 hours upon verification of your identity. After account deletion, you will no longer be able to log in or use LF Lending’s services with the same registered information.

Data We Must Retain After Deletion Request

As a licensed financial service provider in the Philippines, we are required to retain certain personal data for a specific period in accordance with Philippine laws and regulatory obligations (even after you request account deletion), primarily for compliance, security, and fraud prevention purposes. We will not retain any data beyond the statutory retention period, and all retained data shall be stored securely.

The categorized retained data, purpose and retention period are as follows:

Data That Is Deleted

Any data not subject to the mandatory retention periods described above will be permanently and securely deleted from our systems immediately after account deletion, including (but not limited to):

• App usage analytics not tied to loan transactions;
• Your marketing preferences and opt-in records;
• Session cookies and temporary cache files;
• Unverified personal information and draft application materials.

Secure Disposal

After the mandatory retention period expires, we will ensure that all your personal data is disposed of in a secure manner (e.g., permanent data erasure, physical destruction of storage media) that prevents its further use, access, or disclosure. No retained data will be used for any business purpose after the retention period.

Suspension, Withdrawal, or Deletion of Personal Data by LF Lending

We reserve the right to suspend, block, or delete your personal data from our systems immediately (without prior notice) if we become aware, or reasonably suspect, that the data:

• Is incomplete, outdated, false, or forged (e.g., fake government ID used for account registration);
• Is unlawfully obtained or used for unauthorized/fraudulent purposes (e.g., using another person’s ID to apply for a loan);
• Is no longer necessary for the purposes for which it was collected (after the fulfillment of all statutory and contractual obligations);
• Is processed with your consent that has been withdrawn, and there is no other legal ground or overriding legitimate interest for the continued processing.

In the event of the above circumstances, we may also suspend or terminate your LF Lending account in accordance with our service terms, and reserve the right to pursue legal liability against you for any losses caused to LF Lending.

Your Rights Under the Data Privacy Act (DPA)

As a data subject under the Philippine Data Privacy Act of 2012, you have the following statutory rights with respect to your personal data processed by LF Lending. We will fully respect and safeguard your exercise of these rights in accordance with the law:

• Right to be Informed: To obtain clear and detailed information about the collection, use, and disclosure of your personal data;
• Right to Object: To object to the processing of your personal data for legitimate reasons (in accordance with the DPA);
• Right to Access: To request access to your personal data processed by us (including a copy of the data);
• Right to Rectification: To request correction, update or supplement of your inaccurate or incomplete personal data;
• Right to Erasure/Blocking: To request the erasure or blocking of your personal data that is no longer necessary or processed in violation of the DPA;
• Right to Damages: To claim compensation for any losses caused by the inaccurate or unlawful processing of your personal data by LF Lending;
• Right to Data Portability: To obtain your personal data in a portable format (as specified in Clause 8);
• Right to File a Complaint: To file a complaint with the Philippine National Privacy Commission (NPC) if you believe your data privacy rights have been violated by LF Lending.

Your Rights Under the Credit Information System Act (CISA)

With respect to your credit information processed and disclosed by LF Lending to licensed credit bureaus (in accordance with CISA), you have the following statutory rights:

• Right to Access: To request access to your credit information held by licensed credit bureaus (with LF Lending’s assistance if needed);
• Right to Dispute Resolution: To file a dispute for any errors, inaccuracies or omissions in your credit data, and request correction;
• Right to Indemnity: To claim indemnity for any losses caused by the unlawful disclosure of your credit information or unjustified denial of credit access;
• Right to Notification: To receive a notification from LF Lending or credit bureaus of any correction, update or change to your credit data.

Inquiries and Complaints

For any concerns, queries, or to exercise your statutory rights (under the DPA/CISA) regarding your personal data processed by LF Lending, you may contact our Data Protection Officer (DPO) via the following official channels:

• DPO Email: dpo@lflendingservices.com
• Customer Service Email: customerservice@lflendingservices.com
• Physical Address: 31st Floor, One San Miguel Avenue Bldg., San Miguel Ave., Ortigas Center, Pasig City, Philippines

We will acknowledge your request/complaint within 2 working days and provide an estimated timeframe for resolution. We will process your valid request in accordance with Philippine laws and notify you of the processing result in a timely manner.

Changes to Privacy Notice

We may update or revise this Privacy Notice from time to time to adapt to changes in Philippine laws, regulatory requirements, or our business operations. The revised version of the Privacy Notice will be prominently posted on our official website (https://lflendingservices.com/) and mobile app with the updated effective date.

Your continued use of LF Lending’s services after the revised Privacy Notice is posted constitutes your acceptance of the updated terms. We recommend that you review this Privacy Notice periodically to stay informed of our latest personal data processing practices.

Consent and Acknowledgement

1. By providing your personal data to LF Lending (through registration, loan application, or other service channels), you consent to the collection, use, and disclosure of your data as outlined in this Privacy Notice (and any revised versions);
2. If you are submitting personal data on behalf of another person (e.g., a legal representative applying for a loan for a corporate entity), you warrant that you have obtained the explicit written consent of the data subject, and shall bear all legal liabilities for any breach of this warranty;
3. This Privacy Notice is an integral part of LF Lending’s Service Terms and Conditions, and any conflict between this notice and the Service Terms shall be governed by Philippine laws and the DPA.

LF LENDING SERVICES CORPORATION. [Date of First Issuance: 2026-02-27][Last Updated: 2026-02-27]