BALIKATAN HOUSING FINANCE, INC
We are committed to providing accessible and transparent financing solutions to individuals and businesses.
Copyright © Balikatan Housing 2026. All rights reserved
Balikatan Cash is an online loan application operated by U-Peso Lending Investors Corp., specifically providing convenient cash lending services to Philippine users. Through this application, users can complete the entire online process including fast registration, identity verification, credit assessment, loan application, fund disbursement, and repayment management.
Lending Entity: U-Peso Lending Investors Corp.
SEC Registration Number: CS201816691
Lending License Number: 2739
Registered Address: 2nd Floor, Aseana Power Station, Macapagal Ave., cor Bradco Ave., FOURTH DISTRICT, NATIONAL CAPITAL REGION (NCR), 1701
When you use Balikatan Cash services, we collect the following categories of information:
A. Identity Verification Information
- Name, gender, date of birth
- Information from government-issued valid IDs (e.g., passport, driver's license, SSS/UMID card)
- Facial biometric data (used for liveness verification)
B. Contact Information
- Mobile number
- Email address
- Emergency contact information (obtained upon your authorization)
C. Financial Information
- Bank account information
- E-wallet information
- Credit history and credit score
D. Device and Usage Information
- Device identifiers (IMEI, IMSI, IDFA, etc.)
- IP address
- Operating system version
- Application usage logs
- Location information (obtained upon your authorization)
We collect and use your information primarily for the following purposes:
a. Identity Verification and Compliance
- Verify your true identity
- Comply with "Know Your Customer" (KYC) requirements
- Fulfill anti-money laundering (AML) obligations
- Prevent fraudulent activities
b. Credit Assessment
- Assess your repayment ability
- Build credit scoring models
- Determine loan amounts and terms
c. Service Provision
- Process loan applications
- Disburse loan funds
- Manage repayment schedules
- Provide customer support
d. Risk Control
- Monitor suspicious activities
- Prevent account takeover
- Assess credit risk
e. Service Improvement
- Optimize user experience
- Develop new features
- Conduct data analysis
Your information may be transmitted in the following circumstances: Internal Transfer - Information is shared among authorized departments within our company, strictly on a need-to-know basis for business purposes.
Under the Philippine Data Privacy Act, you have the following rights:
a. Right of Access - You have the right to access your personal information held by us.
b. Right to Rectification - You may request correction of inaccurate or incomplete information.
c. Right to Erasure - Under specific circumstances, you may request deletion of your personal information.
d. Right to Object - You have the right to object to certain types of processing of your personal information.
e. Right to Data Portability - You may request to obtain your data in a structured, commonly used format.
f. Right to Withdraw Consent - You may withdraw your consent to the processing of your personal information at any time.
a. Truthfulness of Information - You are responsible for providing true, accurate, and complete personal information.
b. Information Update - You should promptly update your personal information when changes occur.
c. Account Security - You should properly safeguard your account information and login credentials.
d. Compliant Use - You shall ensure that your use of this service complies with all applicable laws.
To ensure service quality and security, we use the following third party SDKs:
- Function: advertising performance tracking and attribution analysis
- Information collected: device identifiers, IP address, application installation information
- Function: liveness verification and identity authentication
- Information collected: facial feature data, device information
We require all third party SDK providers to comply with applicable data protection laws and to take appropriate security measures to protect your information.
- No outstanding loans on the account
- No pending transactions
- No unresolved disputes
1. Log in to the Balikatan Cash application
2. Go to the "Settings" menu
3. Select "Account Management"
4. Click "Delete Account"
5. Follow the prompts to complete identity verification
6. Confirm the deletion request
- The account will be permanently closed
- Personal information will be deleted or anonymized
- The account and related data cannot be recovered
- Future loan applications may be affected
If you have any questions, comments, or complaints regarding this Privacy Policy, or wish to exercise your data rights, please contact us through:
Data Protection Officer
- Email: support@balikatanhousing.com
We will respond within 15 working days after receiving your request.
- We will retain your personal information for the shortest period necessary to fulfill the purposes for which it was collected, or as required by law.
- Our services are not directed to individuals under 20 years of age. If we discover that we have collected information from a minor, we will delete it immediately.
- We adopt industry standard security measures to protect your information, including encrypted transmission, access control, and regular security audits.
- We may update this Privacy Policy from time to time. Material changes will be notified to you via in-app notification or email. You are advised to review this policy periodically.
- By using Balikatan Cash services, you signify your agreement to all terms of this Privacy Policy.
We are committed to providing accessible and transparent financing solutions to individuals and businesses.
Copyright © Balikatan Housing 2026. All rights reserved