Table of Contents
1 Introduction
Argonar Software OPC ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information in compliance with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and its Implementing Rules and Regulations.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use Argonar System ("Service"). Please read this policy carefully. By using the Service, you consent to the practices described herein.
2 Information We Collect
We collect information that you provide directly to us and information automatically collected when you use the Service:
| Type of Information | Examples |
|---|---|
| Personal Information | Full name, address, email, phone number, date of birth, government-issued ID numbers |
| Financial Information | Income details, employment information, bank account details, credit history |
| Transaction Data | Loan applications, payment history, account activity, collection records |
| Organization Data | Business name, registration details, contact persons, user accounts |
| Technical Data | IP address, browser type, device information, access logs, session data |
3 How We Use Your Information
We process your personal information for the following legitimate purposes:
- Service Delivery: Processing loan applications, managing accounts, and providing core functionality
- Identity Verification: Verifying your identity and assessing creditworthiness
- Communication: Sending notifications about loans, payments, due dates, and system updates
- Legal Compliance: Meeting regulatory requirements and responding to legal requests
- Service Improvement: Analyzing usage patterns to enhance our Service
- Security: Detecting fraud, preventing abuse, and protecting the Service
- Support: Providing customer service and technical assistance
4 Information Sharing & Disclosure
We may share your information with third parties only in the following circumstances:
- Credit Information: With credit bureaus and credit information corporations (CIC) as required by law
- Regulatory Bodies: With BSP, SEC, CDA, NPC, and other regulators as legally required
- Service Providers: With trusted third-party vendors who assist in our operations (hosting, SMS, email)
- Legal Obligations: When required by law, court order, or legal process
- With Your Consent: When you explicitly authorize us to share your information
We never sell your personal information to third parties for marketing purposes.
5 Data Security
We implement comprehensive organizational, physical, and technical security measures to protect your personal information in compliance with the Data Privacy Act of 2012 and NPC Circular No. 2016-01:
- Encryption: All data in transit is encrypted using SSL/TLS (HTTPS). Sensitive data at rest is encrypted using AES-256 or equivalent standards
- Access Control: Role-based access control (RBAC) ensures data is accessible only by authorized personnel with legitimate business need
- Secure Infrastructure: Our servers are hosted in enterprise-grade cloud facilities with physical security, redundant power, and 24/7 monitoring
- Regular Security Audits: We conduct periodic security assessments, vulnerability testing, and penetration testing
- Password Protection: All passwords are cryptographically hashed using bcrypt with unique salts per account
- Activity Logging: We maintain comprehensive audit logs of all system access, modifications, and administrative activities
- Backup & Recovery: Regular automated backups with encrypted off-site storage to ensure data recovery in case of disaster
- Incident Response: We maintain a documented data breach response plan and will notify affected data subjects and the NPC within 72 hours of discovery of any personal data breach as required by NPC Circular No. 2016-03
DISCLAIMER: While we implement commercially reasonable security measures, no method of electronic transmission or storage is 100% secure. Argonar Software OPC cannot guarantee absolute security and shall not be liable for unauthorized access resulting from factors beyond our reasonable control. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account.
6 Your Rights Under Data Privacy Act 2012
As a data subject under Philippine law, you have the following rights:
Right to Be Informed
Know how your personal data is being collected and processed
Right to Access
Obtain a copy of your personal information held by us
Right to Object
Object to the processing of your personal data
Right to Rectification
Request correction of inaccurate or incomplete data
Right to Erasure
Request deletion or blocking of your data under certain conditions
Right to Damages
Claim compensation for damages from unauthorized processing
Right to Data Portability
Obtain your data in a machine-readable format
Right to File Complaint
Lodge a complaint with the National Privacy Commission
To exercise any of these rights, please contact our Data Protection Officer using the contact information provided below.
7 Data Retention
We retain your personal information for as long as necessary to:
- Fulfill the purposes for which it was collected
- Comply with legal and regulatory requirements (typically 10 years for financial records)
- Resolve disputes and enforce our agreements
- Maintain business records as required by Philippine law
When retention is no longer necessary, we will securely delete or anonymize your personal information.
8 Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Maintain your session and keep you logged in
- Remember your preferences and settings
- Analyze Service usage and performance
- Enhance security and prevent fraud
You can control cookie settings through your browser preferences. Disabling cookies may affect Service functionality.
9 Children's Privacy
Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a minor, please contact us immediately for removal.
10 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Argonar Software OPC SHALL NOT BE LIABLE FOR ANY UNAUTHORIZED ACCESS, ALTERATION, THEFT, DESTRUCTION, OR LOSS OF YOUR PERSONAL DATA ARISING FROM CAUSES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO: SOPHISTICATED CYBERATTACKS, ZERO-DAY VULNERABILITIES, FORCE MAJEURE EVENTS, THIRD-PARTY SERVICE PROVIDER FAILURES, OR YOUR OWN FAILURE TO MAINTAIN ADEQUATE SECURITY OF YOUR ACCOUNT CREDENTIALS.
Your use of the Service and submission of personal data is at your own risk. Argonar Software OPC makes no guarantees regarding the absolute security of data transmitted over the internet or stored electronically.
11 Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by:
- Posting the updated policy on this page with a new "Last Updated" date
- Sending an email notification to registered users
- Displaying a prominent notice within the Service
We encourage you to review this policy periodically.
12 Contact Us
For questions, concerns, or to exercise your data privacy rights, please contact our Data Protection Officer:
Argonar Software OPC - Data Protection Officer
Email: argonarsoftware@gmail.com
Phone: +63 942 411 8581
National Privacy Commission
If you are not satisfied with our response, you may file a complaint with the National Privacy Commission (NPC).
Website: www.privacy.gov.ph |
Email: complaints@privacy.gov.ph