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Privacy policy

This Data Privacy Statement ("Statement"), which has been prepared in relation to R.A. 10173, otherwise known as the Data Privacy Act of 2012, and its implementing rules and regulations, describes how personal information are collected, processed, disclosed, and stored by Country Funders Finance Corporation ("Company") and is applicable to its employees and all persons who apply for or avail of any of Company's products and services or propose to provide third party services to Company.


When you apply for or avail of any product or service that the Company offers or when you interact with our employees, authorized representatives, agents and service providers, we collect your personal information. This may include, among others:

  • Name and personal particulars such as contact details/mobile number, address, age, date/place of birth, gender, civil status, nationality, education
  • Employment details
  • Financial information (such as income, expenses, balances, investments, tax, insurance, financial and transaction history, etc.)
  • Specimen Signature
  • Government ID details
  • Business interests and assets
  • Permits, Licenses & Registrations
  • Status of Pending Civil/Criminal Cases (if any)
  • Voice recordings of our conversations with you
  • Images via CCTV and other recording devices and processes which may be observed when visiting our offices and/or using our other facilities
  • Mobile device data (e.g., SIM, IMEI, or other device identifiers, type of device, device operating system, device settings, user account information for your mobile device or Google PlayStore account, information about mobile network provider, device specifications), Location data (e.g., mobile device location,time zone setting);Phone data (e.g., contact lists, SMS metadata, types and nature of mobile application found on your mobile device); mobile app usage data (e.g., traffic volume, mobile app usage), telecommunications usage data or "telco usage score" and telecommunication score or "telco score"
  • Other information necessary for the service you need
  • Additional personal information may be collected during the course of your relationship with the Company

We may, as and when necessary, seek to verify or augment this information with third-party entities including government regulators, judicial, supervisory bodies, tax authorities, or courts of competent jurisdiction and, in the process, gain additional information about you.

In the course of availing our products and services, we also collect information about your transactions and dealings which include your account activities, movements, and interactions with third parties such as merchants and utility companies.

We may also collect, use and keep your personal opinions or comments made known to us via feedback or responses to surveys or any other interaction that you had with our employees, authorized representatives, agents, and service providers


Company shall process your personal information in connection with any of the following purposes:

  • Lending or opening a credit line;
  • Contact or otherwise communicate with you, your co-borrower/s and/or guarantor/s;
  • Evaluate, approve, provide, or manage applications, financial products and services, and other transactions that you has requested;
  • Comply with Know-Your-Customer (KYC) information requirements;
  • Conduct credit and background checks;
  • Evaluate your eligibility for Company's products and services;
  • Perform profile and risk analysis;
  • Provide extensive and quality support to you;
  • Comply with our operational, audit, administrative, credit and risk management processes, policies and procedures, the terms and conditions governing our products, services, facilities and channels, the Securities and Exchange Commission rules and regulations, legal and regulatory requirements of government regulators, judicial, supervisory bodies, tax authorities or courts of competent jurisdiction, as the same may be amended or supplemented from time to time;
  • Comply with applicable laws of the Philippines and those of other jurisdictions including the United States Foreign Account Tax Compliance Act (FATCA), the laws on the prevention of money laundering including the provisions of Republic Act No. 9160 (Anti-Money Laundering Act of 2001, as amended (AMLA) and the implementation of know your customer and sanction screening checks;
  • Comply with legal and regulatory requirements such as submission of data to credit bureaus, credit information companies, the Credit Information Corporation (CIC) (pursuant to RA No. 9510 and its implementing rules and regulations) responding to court orders and other instructions and requests from any local or foreign authorities including regulatory, governmental, tax and law enforcement authorities or other similar authorities; and,
  • Perform other such activities permitted by law or with your consent.


Processing refers to the collection, recording, organization, storage, updating or modification, retrieval, consultation,use, consolidation, blocking, erasure or destruction of personal information. If necessary, for the efficient delivery of Company's products and services, the processing of personal data may be outsourced to third party service providers subject to compliance with this Statement and the provisions of the Data Privacy Act and its Implementing Rules and Regulations.

Company shall collect personal information through, but not limited to, any of the following:

  • Face-to-face and/or telephone conversation with Company personnel
  • Accomplishment and/or signing of forms/documents (paper or electronically collected)
  • Corresponding with the company through the official website, email, social media, and messaging applications.
  • Downloading of the company's mobile application and sharing of data through the application's social media functions, promotion, or survey, and reporting a problem with the application, our services, our website, or any of our service sites
  • Visiting the Company's official website through the use of cookies, which are small pieces of information stored on your browser that may be retrieved by the site. You may disable these cookies through the settings panel of your browser.


Company collects information upon your application for availment of products and services. This includes, but not limited to loan applications.


Personal information may be processed and shared with various units within the Company to the extent necessary for any of the purposes herein declared, to credit information bureaus, Third Party Service Providers (i.e. Globe Telecom, Inc., Smart Communications, Inc., Credolab PTE LTD, Trusting Social AI Philippines, Inc., and Finscore, Inc.)or to government authorities under applicable laws, rules and regulations.

  • We may share personal information with various units within the Ropali Group of Companies (RGC) in order to better understand the way you use our products and services. This will allow us to improve our services and offer you opportunities to obtain such other useful products and services that may deliver greater value to you.
  • We may share your personal information with our subsidiaries and affiliates to likewise offer you additional products and services that we believe you might find interesting.
  • We may share your personal information with third parties that we engaged to support us in delivering our services to you or perform data analysis , i.e. backtesting, predictive/forecasting and validation. These may involve anonymous or aggregated information to help improve our products, services, and content.
  • We may share your personal information with our successor-in-interest or assignee in case we sell or assign our rights and/or duties pertinent to your contract to facilitate its enforcement and allow them to offer you additional products and services that you might find interesting.
  • We may also engage third parties to help us operate our business. These include support in:
    • complying with legal requirements such as court orders;
    • credit scoring, data analytics and scorecard development;
    • enforcing our terms of use including, among others, our rights as a creditor to customers availing of our loan or credit products, or such other applicable policies with respect to the services that we provide;
    • addressing fraud, security or technical issues, to respond to an emergency or otherwise to protect the rights, property, or security of our customers or third parties; and,
    • to carry out all other purposes set out above.

Further, if you are, become, or apply to become a client of any of our subsidiaries and affiliates, Company and the subsidiaries and affiliate/s concerned has the option, but not the obligation to, rely upon, use, and share your relevant personal and/or account information for any of the following purposes:

  1. To facilitate your account opening or application with the concerned subsidiary/ies or affiliate/s;
  2. To validate, consolidate or update your customer information records and/or credit history;
  3. To provide consolidated billings, deposit or investment summaries, or other reports as you may request;
  4. To send you reminders, announcements, promotions, offers, invitations, and other notifications;
  5. To enroll you in loyalty or similar client-oriented programs of RGC;
  6. For research purposes or to design banking, financial, securities and investment or other related products or services for your use;
  7. For promotional and/or marketing activities of Company or of the concerned subsidiary/ies or affiliate/s; and/or
  8. To comply with a legal obligation to which Company or the concerned subsidiary/ies or affiliate/s is subject.

We may transfer, store, and/or process your personal data outside the Philippines. In doing so, we will comply with the Data Privacy Act and its implementing rules and regulations.

We wish to assure you that we do not, and will not, sell personal data to any third parties. All our engagements with third parties shall be fully compliant with our obligation of confidentiality imposed on us under the applicable agreements and/or terms and conditions or any applicable laws that govern our relationship with you.


Retention and disposal of personal information shall be made in accordance with the Records Disposal Policy of Company. Collected information is retained as long as necessary for the purpose it is intended for or as required by law. We will destroy your data once we fully collected your outstanding obligation or when required by law or upon order by any government agency.


In accordance with the Data Privacy Act of 2012, and its implementing rules and regulations, the Company, its employees and representatives, shall handle personal information with utmost care and adhere to appropriate organizational, physical, and technical measures to maintain the confidentiality, integrity and security of all personal information in its possession.


The Data Privacy Act (DPA) establishes that you have the following rights as a data subject:

  • You have the right to indicate your refusal to the collection and processing of your personal data. You also have the right to be informed and to withhold your consent to further processing in case there are any changes or amendments to information given to you. Once you have notified us of the withholding of your consent, further processing of your personal data will no longer be done, unless (i) the processing is required pursuant to a subpoena, lawful order, or as required by law; or (ii) the collection and processing is pursuant to any lawful criteria indicated under the terms of this Policy.
  • You have the right to reasonable access to your personal data. Furthermore, you have the right to limit and prevent disclosure of your personal data and to receive notification of any possible breaches of your personal data.
  • You may also correct or remove any information that you think is inaccurate. You have the right to dispute any inaccuracy or error in your personal data. You may request for the correction or removal of any inaccuracy or error in your personal data by logging into your account or making a formal request with our Data Privacy Officer.
  • You have the right to withdraw your consent or cause the destruction of your personal data, provided that your outstanding loan obligation has been fully settled;
  • You have the right to damages; and
  • You have the right to lodge a complaint with the National Privacy Commission (NPC).

If you would like to make any request in relation to your rights as a data subject, please contact our Data Protection Officer ("DPO") with the contact details listed below. Please note that the exercise of some of your rights as a data subject is subject to review and may result in the denial of any application currently pending.


Any inquiry or request for information regarding this Statement may be addressed to the following:

Atty. Eric Dela Cruz
Data Protection Officer
Country Funders Finance Corp.
Ropali Plaza, Josemarie Escriva Drive,
Ortigas Center, Pasig City, 1772
Website :
Telephone No: (02) 8820-9076
Email Address:


The company reserves the right to modify or amend this Privacy Statement from time to time to keep up with any changes in relevant laws and regulations applicable to us or how we collect, use, protect, store, share or dispose of your personal information. Any relevant updates will be posted in our branches and/or the Company website.