Privacy Policy

Last updated [ NEEDS: effective date ] · Version 1.0 (pilot)

This policy explains what personal information Frez collects when you apply for and manage an agricultural loan, why we collect it, who we share it with, and the rights you have. It is written to comply with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173).

Who is responsible for your data

Kita Agritech Corporation (operating the “Frez” platform), a company registered in the Philippines, SEC Registration No. [ NEEDS: SEC reg. no. ], with its registered office at [ NEEDS: registered address ], is the personal information controller.

Data Protection Officer: [ NEEDS: DPO name ] — [ NEEDS: privacy@ email ] · [ NEEDS: DPO phone ]. Registered with the National Privacy Commission under [ NEEDS: NPC registration no. ].

1. What we collect

We collect only what a lending programme needs to identify you, assess your application, disburse a loan and support your crop. Depending on how far your application goes, this may include:

Who you are: your name, date of birth, sex, civil status and, where the loan requires it, your spouse’s name, mother’s maiden name and number of dependents.
Government identifiers: your RSBSA number, a valid government ID (for example PhilSys), and your BIR Tax Identification Number (TIN).
Contact: your mobile number (confirmed by a one-time code we send you) and, if you give it, your email address.
Photographs and documents: photos of your ID and land proof, your drawn signature, photos of your farm and its boundary, and evidence photos for protocol steps or an insurance claim.
Your farm: its location (province, municipality, barangay and map coordinates), the boundary you trace, its area, tenure and soil.
Your application and loan: the figures in your application, your farm plan, the status of your loan, and repayment records.
Technical: the kind of phone you use (so the app can adapt to it), sign-in times, and your network address — used only to protect the service against abuse, never to profile you.

We do not take your bank password, and no money moves through this app — LANDBANK disburses and settles every loan directly.

2. Why we use it, and our legal basis

Purpose	Basis under RA 10173
To register you and check your identity against the RSBSA	Your consent, and our contract with you
To assess, approve, disburse and settle the loan you applied for	Necessary for the loan contract
To send you reminders and status by SMS and in-app message	Your consent
To keep records the bank and regulators require us to keep	Legal obligation
To protect the service against fraud and abuse	Our legitimate interest

3. Who we share it with

We share your data only with the parties needed to deliver your loan, and only the part each one needs:

Land Bank of the Philippines — the lender. LANDBANK reviews, approves, books, disburses and settles your loan, and keeps its own records as the law requires of a bank.
Frez field officers and agriculturists — to verify your farm and support the crop.
Your buyer — only if you switch sharing on yourself. Your farm’s performance is hidden from a buyer until you consent, and a buyer only ever sees a farm it has a purchase commitment with.
Philippine Crop Insurance Corporation (PCIC) — if you make a crop-damage claim.
Service providers who process data on our instructions: Google Cloud (secure hosting, and the AI that reads your ID, assesses crop health and, only when you press the microphone button, writes what you say as text; that recording is not kept), and our SMS provider (to send one-time codes and reminders). They may not use your data for anything else.

We do not sell your personal data, and we do not share it for advertising.

4. How long we keep it

If you delete your account before any loan on your file is approved, we erase your personal information straight away (see Deleting your account).

If a loan on your file was approved, we keep the file for [ NEEDS: retention period for approved-loan records, e.g. “5 years after the loan is fully settled”, per BSP / AMLA rules ], because the bank is legally required to keep lending records. After that period it is securely deleted.

5. How we protect it

Data is encrypted in transit (HTTPS on every page), held on access-controlled servers in a Philippine-region data centre, and your uploaded documents are kept in private storage that the public cannot reach. Sign-in is rate-limited and locks after repeated wrong passwords. Access is limited to the roles that need it.

6. Your rights

Under the Data Privacy Act you have the right to be informed, to access a copy of your data, to correct it, to object to processing, to have it erased or blocked, to data portability, to be compensated for damage, and to complain to the National Privacy Commission (privacy.gov.ph). To exercise any of these, contact our Data Protection Officer above, or use Deleting your account in the app. We respond within 15 days.

7. Children

Frez is for adults applying for agricultural loans. We do not knowingly collect data from anyone under 18.

8. Changes

If we change this policy we will post the new version here and update the date above. For a material change we will also tell you in the app.

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Patakaran sa Privacy

Huling na-update [ KAILANGAN: petsa ng pagkakabisa ] · Bersyon 1.0 (pilot)

Ipinapaliwanag ng patakarang ito kung anong personal na impormasyon ang kinukuha ng Frez kapag nag-apply at namamahala ka ng pautang para sa sakahan, bakit ito kinukuha, kung kanino ibinabahagi, at ang mga karapatan mo. Sumusunod ito sa Data Privacy Act of 2012 (Republic Act No. 10173).

Sino ang may pananagutan sa datos mo

Ang Kita Agritech Corporation (nagpapatakbo ng “Frez”), isang kompanyang rehistrado sa Pilipinas, SEC Reg. No. [ KAILANGAN: SEC reg. no. ], tanggapan sa [ KAILANGAN: address ], ang personal information controller.

Data Protection Officer: [ KAILANGAN: pangalan ng DPO ] — [ KAILANGAN: privacy@ email ] · [ KAILANGAN: telepono ]. Nakarehistro sa National Privacy Commission sa ilalim ng [ KAILANGAN: NPC reg. no. ].

1. Ano ang kinukuha namin

Kinukuha lang namin ang kailangan ng isang programang pautang para makilala ka, masuri ang aplikasyon mo, mailabas ang pautang at matulungan ang pananim mo:

Kung sino ka: pangalan, petsa ng kapanganakan, kasarian, katayuang sibil, at kung kailangan ng pautang, pangalan ng asawa, apelyido ng ina, at bilang ng dependents.
Mga ID ng gobyerno: RSBSA number, balidong ID (hal. PhilSys), at TIN mula sa BIR.
Kontak: numero ng cellphone (kinukumpirma sa pamamagitan ng one-time code) at, kung ibibigay mo, email.
Mga larawan at dokumento: larawan ng ID at patunay sa lupa, ang pirma mong iginuhit, larawan ng sakahan at hangganan nito, at larawang ebidensiya para sa protocol o claim.
Ang sakahan mo: lokasyon (probinsiya, munisipyo, barangay, at koordinado), ang hangganang binakat mo, sukat, tenure at lupa.
Aplikasyon at pautang: mga datos sa aplikasyon, plano sa sakahan, katayuan ng pautang, at rekord ng pagbabayad.
Teknikal: uri ng telepono mo (para umangkop ang app), oras ng pag-sign in, at network address — ginagamit lang para protektahan ang serbisyo, hindi kailanman para i-profile ka.

Hindi namin kinukuha ang password mo sa bangko, at walang perang dumadaan sa app na ito — ang LANDBANK mismo ang naglalabas at nagse-settle ng bawat pautang.

2. Bakit ito ginagamit, at ang batayan sa batas

Layunin	Batayan sa RA 10173
Pagrehistro at pagsusuri ng pagkakakilanlan sa RSBSA	Pahintulot mo, at ang kontrata natin
Pagsusuri, pag-apruba, paglabas at pag-settle ng pautang	Kailangan para sa kontrata ng pautang
Pagpapadala ng paalala at status sa SMS at app	Pahintulot mo
Pag-iingat ng rekord na hinihingi ng bangko at regulator	Obligasyon sa batas
Pagprotekta sa serbisyo laban sa pandaraya	Lehitimong interes namin

3. Kanino namin ibinabahagi

Land Bank of the Philippines — ang nagpapautang. Sinusuri, inaaprubahan, inilalabas at sine-settle ng LANDBANK ang pautang mo, at nag-iingat ng sariling rekord ayon sa batas.
Mga field officer at agriculturist ng Frez — para patunayan ang sakahan at tulungan ang pananim.
Ang bibili mo — kung ikaw mismo ang mag-o-on ng pagbabahagi. Nakatago sa bibili ang performance ng sakahan mo hangga’t hindi ka pumapayag, at ang bibili ay nakakakita lang ng sakahang may kasunduan sila.
Philippine Crop Insurance Corporation (PCIC) — kung mag-claim ka ng pinsala sa pananim.
Mga provider na nagpoproseso para sa amin: Google Cloud (ligtas na hosting at ang AI na bumabasa ng ID, sumusuri ng kalusugan ng pananim at, kapag pinindot mo lang ang mikropono, nagsusulat ng sinabi mo bilang teksto; hindi itinatago ang recording na iyon), at ang SMS provider (para sa one-time code at paalala). Hindi nila magagamit ang datos mo sa iba.

Hindi namin ibinebenta ang personal na datos mo, at hindi ito ibinabahagi para sa advertising.

4. Gaano katagal namin iniingatan

Kung buburahin mo ang account bago maaprubahan ang anumang pautang sa file mo, agad naming binubura ang personal mong impormasyon (tingnan ang Pagbura ng account).

Kung naaprubahan ang pautang sa file mo, iniingatan namin ito nang [ KAILANGAN: panahon ng pag-iingat, hal. “5 taon matapos mabayaran nang buo”, ayon sa BSP / AMLA ], dahil kailangan ng bangko sa batas na itago ang rekord ng pautang. Pagkatapos nito, ligtas itong buburahin.

5. Paano namin pinoprotektahan

Naka-encrypt ang datos habang ipinapadala (HTTPS sa bawat pahina), nasa mga server na may access control sa isang data centre sa rehiyon ng Pilipinas, at ang mga dokumentong ini-upload mo ay nasa pribadong imbakan na hindi maaabot ng publiko. May limitasyon ang pag-sign in at nagla-lock ito kapag paulit-ulit na maling password.

6. Mga karapatan mo

Sa ilalim ng Data Privacy Act, may karapatan kang malaman, makakuha ng kopya, magpaayos, tumutol, magpabura o magpa-block, maglipat ng datos, mabayaran sa pinsala, at magreklamo sa National Privacy Commission (privacy.gov.ph). Para gawin ito, makipag-ugnayan sa DPO sa itaas, o gamitin ang Pagbura ng account. Sumasagot kami sa loob ng 15 araw.

7. Mga bata

Para sa may sapat na gulang ang Frez. Hindi kami sadyang kumukuha ng datos ng wala pang 18.

8. Mga pagbabago

Kung babaguhin ang patakarang ito, ilalagay namin dito ang bagong bersyon at i-a-update ang petsa. Para sa malaking pagbabago, sasabihin din namin sa app.

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