Privacy Policy

This Privacy Notice describes how Pine Labs Inc. and our affiliates (collectively, “Pine Labs,” “we,” and “us”) collect, use, disclose, transfer, store, retain or otherwise process your information in accordance with the Republic Act No. 10173 or the Data Privacy Act of 2012 (“DPA”), its Implementing Rules and Regulations (“DPA IRR”), the issuances of the National Privacy Commission (“NPC”) in relation thereto, and with the adoption of constantly changing commercially acceptable standards for data protection in Phillipines.when you (whether you are a person or business) apply or sign up for/on a Pine Labs PoS account or other services (including, but not limited to, PayLater) through Pine Labs website or product applications (collectively “Services”).

This Privacy Notice applies to your use of our website and/or Services, and covers information collected in connection with your access to and use of our website and/or Services. Please read this Privacy Notice carefully. By continuing to interact with us, you are consenting to the practices described in this Privacy Notice.

Both you and we are bound to comply at all times with the requirements of DPA and any relevant regulations. To ensure compliance with the DPA (as may be revised from time to time), you shall ensure that all confidential information pertaining to personal data furnished to us shall be in full compliance with the DPA and shall not result in any violation or contravention of the DPA. You acknowledge that our Privacy Policy was prepared for the purpose of full compliance of DPA by us and that the provisions of the Privacy Policy fully authorize us to access to your personal information for the terms set forth therein.

INFORMATION WE COLLECT OR RECEIVE ABOUT YOU

We need to collect or receive information about you to provide you with the Services or the support your request. The type of information can vary depending on the country from which you access our Services. Additionally, you may also and can choose to voluntarily provide information to us.

Information You Provide

We collect or receive information you provide when you apply, use or sign up for/on a Pine Labs PoS or other Services, go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise use the Services.

We collect or receive information about you when you use our Pos and/or Services, including:

Identification Information. Your name; email address; mailing address; mobile/phone number; photograph; birthdate; passport, driver’s license, , or other government-issued identification; or other historical, contact, and demographic information when you apply, use or sign up for a Pine Labs PoS and/or other Services, signature, and authentication credentials (for example, information you use to login to your account), including IP address.
Financial Information. Information such as bank account, payment card numbers, credit reports, and other publicly available information.
Tax information. tax identification number details.
Transaction Information. When you use our PoS and/or Services to make, accept, request, or record payments, we receive information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
Other Information You Provide. Information that you voluntarily provide to us, including any survey responses; participation in contests, promotions, or other prospective seller marketing forms or devices; suggestions for improvements; referrals; or any other actions performed on the Services.

Information We Collect Or Receive From Your Use of our PoS and/or Services

We collect or receive information about you and the devices you use to access the PoS and/or Services, such as your computer, mobile phone, or tablet. The information that we collect or receive includes:

Precise Geolocation Information. The location of your device.
Device Information. Information about your device, including your hardware model, operating system and version, device name, unique device identifier, mobile network information, and information about the device’s interaction with our Services.
Use Information. Information about how you use our Services, including your access time, “log-in” and “log-out” information, browser type and language, country and language setting on your device, Internet Protocol (“IP”) address, the domain name of your Internet service provider, other attributes about your browser, mobile device and operating system, any specific page you visit on our website/platform, content you view, features you use, the date and time of your visit to or use of the Services, your search terms, the website you visited before you visited or used the Services, data about how you interact with our Services, and other clickstream data.
Business Information. Information about products and services you sell (including inventory, pricing and other data) and other information you provide about you or your business.
Customer Information. Information you collect from your customers, including email address, phone number, payment information, or other related information.

Information We Collect Or Receive From Other Sources

We also collect or receive information about you from third parties, including:

Identity Verification . Information from third-party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources. In some circumstances, where lawful, this information may include your government-issued identification number.
Background Information.To the extent permitted by applicable laws, we may obtain background check reports from public records of criminal convictions and arrest records. We may use your information, including your full name, government-issued identification number, and date of birth, to obtain such reports.
Credit, Compliance and Fraud. . Information about you from third parties in connection with any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.

Minor’s Information

The minor refers to each under 18-year-old persons. We may not know the age of you visiting our website and/or Services. The parents of the minors providing the personal data through our website and/or Services, may request us to delete the personal data of such persons. If we are aware that there is personal data of minors in our website and/or Services, we therefore will proceed to obtain consent from the parents without delay, if required by the DPA and/or other applicable laws.

HOW WE USE YOUR INFORMATION

We may use information about you for number of purposes, including:

Providing, Improving, and Developing our Services

Determining whether the Services are available in your country;
Processing or recording payment transactions or money transfers;
Otherwise providing you with the Pine Labs products,Services and features you choose to use;
Displaying your historical transaction or appointment information;
Providing, maintaining and improving our Services;
Developing new products and services;
Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages including to resolve disputes, collect fees, and provide assistance for problems with our Services or your Pine Labs account;
Improving, personalizing, and facilitating your use of our Services;
Measuring, tracking, and analyzing trends and usage in connection with your use or the performance of our Services.

Communicating with You About our Services

Sending you information we think you may find useful or which you have requested from us about our products and services;
Conducting surveys and collecting feedback about our Services.

Protecting our Product and Services and Maintaining a Trusted Environment

Investigating, detecting, preventing, or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf;
Protecting our, our customers’, or your customers’ rights or property, or the security or integrity of our Services;
Enforcing our Terms of Use or other applicable agreements or policies;
Verifying your identity (e.g., through government-issued identification numbers);
Complying with any applicable laws or regulations, or in response to lawful requests for information from the government or through legal process;
Fulfilling any other purpose disclosed to you in connection with our Services;
Contacting you to resolve disputes, collect fees, and provide assistance with our Services.

Advertising and Marketing

Marketing of our Services;
Communicating with you about opportunities, products, services, contests, promotions, discounts, incentives, surveys, and rewards offered by us and select partners;
If we send you marketing emails, each email will contain instructions permitting you to “opt out” of receiving future marketing or other communications.

Other Uses

For any other purpose disclosed to you in connection with our Services from time to time.

HOW WE SHARE YOUR INFORMATION

We may share information about you as follows:

With Other Users of our Services with Whom You Interact

With other users of our Services with whom you interact through your own use of our Services. For example, we may share information when you make or accept a payment, appointment, or money transfer using our Services.

With our Affiliates

With our group companies and corporate affiliates, for the purposes outlined herein.

With Third Parties

With third parties to provide, maintain, and improve our Services, including service providers who access information about you to perform services on our behalf (e.g., fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, credit bureaus, partners providing services on Pine Labs behalf, and other entities in connection with the Services;
With third parties that run advertising campaigns, contests, special offers, or other events or activities on our behalf or in connection with our Services.

Business Transfers and Corporate Changes

To a subsequent owner, co-owner, or operator of one or more of the Services; or
In connection with (including, without limitation, during the negotiation or due diligence process of) a corporate merger, consolidation, or restructuring; the sale of substantially all of our stock and/or assets; financing, acquisition, divestiture, or dissolution of all or a portion of our business; or other corporate change.

Safety and Compliance with Law

If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from tax authorities, law enforcement agencies, etc.); (ii) to enforce or comply with applicable agreements or policies; (iii) to protect our or our customers’ rights or property, or the security or integrity of our Services; or (iv) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.

With Your Consent

With your consent. For example:
At your direction or as described at the time you agree to share;
When you authorize a third-party application or website to access your information.

Aggregated and Anonymized Information

We also may share (within our group of companies or with third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our Services.

Cross-border Transfer

Due to the nature of the modern banking business, we may disclose or transfer the personal data in relation to you to our affiliates or relevant third parties located overseas, in which the destination countries may or may not have the same equivalent level of personal data protection standards. In any case, we take steps and measures to ensure that your personal data is securely transferred and that the receiving parties have in place an appropriate level of protection standards or other derogations as allowed by applicable laws.

HOW LONG WE RETAIN YOUR INFORMATION

We generally retain your information as long as reasonably necessary to provide you the Services or to comply with applicable law. However, even after you deactivate your account, we can retain copies of information about you and any transactions or Services in which you may have participated, to the extent that is permitted by the DPA, for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Terms of Use or other applicable agreements or policies, or to take any other actions consistent with applicable law. In the event that your personal data are no longer required to be retained or we have no ongoing legitimate business need to process your personal information, such data will be disposed or discarded in a secure manner that would prevent further processing, unauthorized access, or disclosure to any other party or the public, or that would prejudice your interests.

COOKIES AND OTHER SIMILAR TECHNOLOGIES

We use various technologies to collect or receive information when you access or use our Services, including placing a piece of code, commonly referred to as a “cookie,” or similar technology on your device and using web beacons. Cookies are small data files that are stored on your hard drive or in your device memory when you visit a website or view a message. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We will begin collecting information about you or from activity on devices you use as soon as you use the PoS and/or our Services. By using our Services, you permit us to collect or receive and use your information from activity on devices you use in accordance with this Privacy Notice.

Certain cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and, as such, will last longer.

We may use cookies to:

Remember that you have visited us or used the Services before. This allows us to identify the number of unique visitors we receive, so that we can provide enough capacity to accommodate all of our users.
Customize elements of the promotional layout and/or content of our Services.
Collect data about the way you interact with our Services (e.g., when you use certain features).
Collect data to assess and improve our advertising campaigns, including sending information to our business partners.
Allow our business partners (including third parties) to use these tracking technologies to track your behavior on our behalf on our website/platform (including when you use multiple devices) and on partner websites.
Enable third parties to collect data about the way you interact across sites outside of our Services.
Collect anonymous statistical information about how you use the Services (including the length of your web or application session) and the location from which you access the Services, so that we can improve the Services and learn which elements and functions of the Services are most popular with our users.

Some of the cookies used in the Services are set by us, and others are set by third parties who deliver services on our behalf.

Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies, or to notify you each time a cookie is set. Please note, however, that by blocking or deleting cookies used in the Services, you may not be able to take full advantage of the Services.

We also may collect or receive information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We use web beacons to deliver cookies, track the number of visits to our website and apps, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.

THIRD-PARTY ADVERTISING AND ANALYTICS

We can use third-party service providers to provide site metrics and other analytics services. These third parties can use cookies, web beacons, and other technologies to collect information, such as your IP address, identifiers associated with your device, other applications on your device, the browsers you use to access our Services, webpages viewed, time spent on webpages, links clicked, and conversion information (e.g., transactions entered into). This information can be used by Pine Labs and third-party service providers on behalf of Pine Labs to analyze and track usage of our Services, determine the popularity of certain content, and better understand how you use our Services. The third-party service providers that we engage are bound by confidentiality obligations and other restrictions with respect to their use and collection of your information.
This Privacy Notice does not apply to, and we are not responsible for, third-party cookies, web beacons, or other tracking technologies, which are covered by such third parties’ privacy policies. For more information, we encourage you to check the privacy policies of these third parties to learn about their privacy practices.

YOUR CHOICES

Personal Information

You may access, change, or correct information that you have provided by logging into your Pine Labs account at any time or by making a request to us on installment.int@pinelabs.com, in which case we may need to verify your identity before granting access or otherwise changing or correcting your information.

Location Information

In order to provide certain Services, we may require access to location information, including precise geolocation information collected from your device. If you do not consent to collection of this information, certain Services will not function properly and you will not be able to use those Services.

Promotional Communications

You can opt out of receiving promotional messages from Pine Labs by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, or by changing your notification settings by logging into your Pine Labs account. You may only opt-out of text messages from Pine Labs by replying STOP. Opting out of receiving communications may impact your use of the Services. If you decide to opt out, we can still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

YOUR RIGHTS AS A DATA SUBJECT

Under the DPA of 2012, you have the following rights as a data subject:

Be informed whether personal information pertaining to him or her shall be, are being or have been processed;
Be furnished the information indicated hereunder before the entry of his or her personal information into the processing system of the personal information controller, or at the next practical opportunity:
Description of the personal information to be entered into the system;
Purposes for which they are being or are to be processed;
Scope and method of the personal information processing;
The recipients or classes of recipients to whom they are or may be disclosed;
Methods utilized for automated access, if the same is allowed by the data subject, and the extent to which such access is authorized;
The identity and contact details of the personal information controller or its representative;
The period for which the information will be stored; and
The existence of their rights, i.e., to access, correction, as well as the right to lodge a complaint before the NPC.

If you would like to make any request in relation to your rights as a data subject, please contact installment.int@pinelabs.com

If you would at any time like to review or change the information in your account or terminate your account, you can send an email to installment.int@pinelabs.com and clearly indicate the desired action.

Your withdrawal of any previously given consent, request to delete or anonymize the personal data, request to restrict or object to the processing of the personal data could mean that we are unable to provide you with the Services.

We may refuse to comply with the request if (a) there are legal restrictions, (b) we have compelling legitimate grounds for the processing of the personal data as required or permitted by the DPA and/or any applicable laws, (c) the personal data has been made anonymous, (d) the person submitting the request does not have evidence to verify that he/she is the data subject or does not has the authority to submit such request, or (e) the person submitting the request does not have legal grounds to exercise the rights or personal data in the possession of us.

SECURITY

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers.

CHANGES TO THIS PRIVACY NOTICE

We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email, if you have provided an email address. If you disagree with these changes, you may cancel your account at any time. Your continued use of our Services constitutes your consent to any amendment of this Privacy Notice.

CONTACT

Please contact our Support line if you have any questions or concerns regarding this Privacy Notice and/or security by writing an email to installment.int@pinelabs.com

If you have any questions or concerns regarding our notice, or if you believe our notice or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our Grievance Officer listed above, and we will respond to let you know who will be handling your matter and when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We may keep records of your request and any resolution.

YOUR ACKNOWLEDGMENT AND CONSENT

By communicating with us using our website and Services, you acknowledge that you have read and understood this Policy and agree and consent to the use, processing and/or transfer of your Personal Information by us as described in this Privacy Policy.

By continuing to communicate with us, by continuing to use our website and our Services or by your continued engagement with us following the modifications, updates or amendments to this Policy, such actions shall signify your acceptance of such modifications, updates or amendments; provided, we shall secure your express consent when so required by the Law.

By submitting the required personal information to us, you consent to such collection, disclosure and use thereof. You hereby expressly waive and release us from any and all liability, claims, causes of action or damages arising from our legitimate use of the submitted personal information.