1. Welcome and your trust
Welcome to Pera Vista. Pera Vista is operated by Empire Peak Finance Investors Inc., SEC registration number CS201919894, with registered address at 309-11 Ronquillo St 203 Z 29, Santa Cruz, Manila, 1003 Metro Manila, Manila, Philippines.
Our goal is to be transparent about our data practices. We are committed to complying with the Philippine Data Privacy Act of 2012, Republic Act No. 10173, its Implementing Rules and Regulations, and other applicable privacy requirements.
2. Information we need to serve you
We collect only information that is reasonably necessary to provide, secure, and improve the service, meet legal obligations, and evaluate and service loan applications.
A. Information you give us directly
- Profile details: Full name, birth date, mobile number, email address, and current and permanent address.
- Financial information: Employment status, occupation, income, payday, bank or e-wallet details for disbursement and repayment, and other affordability information.
- Identity verification: Images of accepted government-issued identification and a live selfie captured through the identity-verification process.
- Application and account information: Requested loan amount, submitted application details, offer decisions, agreements, disbursement records, repayments, and account status.
- Communications: Support requests, complaints, privacy requests, survey responses, and records of your consent and preferences.
B. Information from your device
With appropriate notice and permission where required, we may collect limited technical information needed to protect your account and operate the app.
- Device and security details: Device model, operating system, app version, IP address, session information, crash data, and security or fraud indicators.
- Camera: Camera access is used only when you choose to capture an identity document or live selfie during identity verification. Pera Vista does not request broad access to your photo library for loan assessment.
- Notifications: If you allow notifications, we may send account security messages, application updates, payment reminders, and service notices. You can change notification permission in your device settings.
Pera Vista does not request access to your contact list, call logs, or SMS content or history for loan assessment. We also do not use IMEI or IMSI numbers to profile your creditworthiness.
C. Information from third parties
Where permitted by law, we may verify or supplement information through authorized identity-verification providers, financial or payment partners, fraud-prevention services, credit bureaus, government records, and other lawful sources. We will provide additional notice where required.
3. How we use your information
We may process personal information for the following purposes:
- Register, authenticate, and secure your Pera Vista account.
- Verify your identity and the accuracy of submitted information.
- Receive, evaluate, and decide on your loan application, including affordability and fraud checks.
- Present a loan offer and administer agreements, disbursements, repayments, receipts, and account notices.
- Respond to questions, complaints, disputes, and privacy-rights requests.
- Detect and prevent fraud, unauthorized access, misuse, and security incidents.
- Meet legal, regulatory, accounting, reporting, and recordkeeping obligations in the Philippines.
- Maintain and improve the reliability and usability of the Pera Vista service.
- Send marketing communications only where legally permitted and subject to your consent or available opt-out rights.
Depending on the purpose and applicable law, processing may be based on your consent, steps taken at your request before entering a contract, performance of a contract, compliance with a legal obligation, protection of lawful interests, or another basis permitted by law.
4. When we share information
Your information is confidential. We share it only when reasonably necessary and subject to appropriate safeguards, including:
- With service providers that support cloud hosting, cybersecurity, communications, customer support, identity verification, analytics, and app operations.
- With banks, e-wallets, payment processors, collection partners, and other financial service providers needed to disburse and service a loan.
- With credit bureaus and other authorized institutions where permitted or required under Philippine law, including applicable credit information laws.
- With regulators, courts, law-enforcement authorities, government agencies, or professional advisers when required by law or necessary to protect lawful rights and safety.
- With a successor organization in connection with a lawful merger, acquisition, financing, restructuring, or transfer of business assets, subject to applicable safeguards.
We do not sell personal information. If personal information is processed outside the Philippines, we require appropriate contractual, organizational, and technical safeguards consistent with applicable law.
5. Keeping your data secure
We maintain reasonable organizational, physical, and technical measures designed to protect personal information from accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. These measures may include encryption, access controls, authentication, monitoring, staff training, vendor review, and incident-response procedures.
No method of transmission or storage is completely secure. Protect your device, password, PIN, and OTP, and contact official support immediately if you suspect unauthorized account access.
6. How long we keep your information
We retain personal information only for as long as reasonably necessary to provide services, administer an account or loan, meet legal and regulatory obligations, resolve disputes, prevent fraud, and enforce agreements. When information is no longer required, it is securely deleted, anonymized, or placed beyond operational use according to our retention procedures.
Retention periods vary by record category. Account, application, agreement, transaction, complaint, and compliance records may be retained for the periods required by Philippine lending, accounting, anti-fraud, and other applicable laws. Security logs and technical records are kept only as long as reasonably necessary for their stated purpose.
7. Your privacy rights under Philippine law
Subject to applicable law and lawful exceptions, you may have the right to:
- Be informed whether and how your personal information is processed.
- Request access to or a copy of your personal information.
- Correct inaccurate, incomplete, outdated, false, or misleading information.
- Object to processing or withdraw consent where consent is the legal basis.
- Request suspension, blocking, removal, or deletion where legally permitted.
- Receive eligible data in a structured, commonly used format.
- Seek damages where you have suffered harm because of a violation of your rights.
- File a complaint with the National Privacy Commission of the Philippines.
To exercise a right, contact our Privacy Team using the details below. We may need to verify your identity before completing a request and may retain information where required by law.
8. Changes to this policy
We may update this policy to reflect changes in our service, data practices, technology, or applicable law. The current version will be published in the app and on this website with its last-updated date. We will provide additional notice of material changes when required.
9. Contact our Data Protection Team
For privacy questions, concerns, complaints, or requests, contact our Privacy Team:
Company: Empire Peak Finance Investors Inc.
Email: support@peravista.top
Phone: 0938 740 5909
Mailing address: 309-11 Ronquillo St 203 Z 29, Santa Cruz, Manila, 1003 Metro Manila, Manila, Philippines
If you are not satisfied with our response, you may contact or file a complaint with the National Privacy Commission of the Philippines through its official channels.
10. Your consent
Where consent is the appropriate legal basis, Pera Vista will ask for consent through a clear notice before collecting or using the relevant information. By granting a requested permission or consent, you confirm that you have read and understood the related notice. You may withdraw consent through available app controls or by contacting our Privacy Team, subject to legal and contractual limitations.
Withdrawing consent does not affect processing already lawfully completed. It may prevent us from providing a feature or service that genuinely requires the relevant information.
