Date of last update: 17/10/2025

User Consent
You agree to this Privacy Policy, which includes full consent to the actual or possibility of
collecting, processing and storing of personal Information, as defined in this policy,
when you use the "C-Express" mobile app (hereinafter referred to as the “App”),
operated by C-Express Inc., a company registered under the laws of the Republic of the
Philippines (hereinafter referred to as “we,” “us,” or “our”).
1. Scope of Use
This Privacy Policy informs you of our policies on your privacy rights regarding our
collection, use, storage, processing, disclosure and security of your information when
you use the App. This Privacy Policy applies to all information we process in connection
with your relationship with us as a customer or potential customer.
2. Personal Information Collection
While using the App, we may ask you to provide us with certain personal information
that can be associated with you or that can be used to contact or identify you.
The App may collect and process the following categories of information:
a. Personal Identification Information
Full Name (First, Middle, Last)
Nationality
Date of Birth
Mobile Number
b. Financial Information
Number of Active Loans
Amount of Overdue Debt
Average Monthly Salary
c. Technical Data
IP address, device model, screen size, operating system version, RAM size, Android ID,
Firebase ID, etc., to ensure that unauthorized devices are not acting on your behalf to
prevent frauds.
We may also collect your personal Information from other sources, such as anyinformation you provide us directly or indirectly, including information collected that you
have provided us through other related services, including our customer support team.
3. Purpose of Data Collection
We collect and process your data for the following purposes:
To verify your identity and prevent fraudulent activity.
To calculate your credit score and determine your creditworthiness.
To provide you with a personalized assessment and loan eligibility report.
To improve the quality, performance, and functionality of the App.
We do not share your personal Information with any third parties for their business
purposes, such as, including without limitation, marketing and advertising without your
express consent and authorization.
4. Your Rights under the Data Privacy Act
Under The Philippines Data Privacy Act, individuals have the right:
-To know how your data is collected and used.
-To request a copy of the data we hold about you.
-To correct any inaccuracies in your data.
-To request deletion of your data when no longer necessary.
-To obtain your data in a commonly used format.
You may exercise these rights by contacting us at support@c-express.ph.
5. Data Processing and Use
All personal data collected is processed fairly, lawfully, and only for the purposes stated
above. We do not sell, rent, or trade your personal information. Data is processed within
the Philippines and stored securely in compliance with local data protection standards.
6. Data Security Measures
Security of your personal information is our priority. Except as indicated in this Privacy
Policy, we do not disclose your Personal Information to third parties without your
express consent. Further, we take all reasonable procedures and exert our best efforts
to ensure all Personal Information received shall be kept confidential and secure,
whether online or offline. We protect your Personal Information using a variety of
technical and administrative security measures to reduce the risks of loss, misuse,
unauthorized access, disclosure and alteration. We may use and amend from time to
time various security measures, as new technology becomes available, as appropriate,
such as firewalls and data encryption, access controls to data centers.
7. Data Retention Policy
We retain your personal information no longer that it is necessary and relevant for our
Services for the period of 1 (one) calendar year. We may also retain personal
information to comply with the requirements of any laws and regulations, to prevent
fraud, to resolve disputes and various troubleshoot problems, and to take other actions
permitted or required by applicable laws and regulations. Under our data policies, we
will dispose personal information in a secured manner and in accordance with
applicable laws and regulations, after such personal information is no longer necessary
and ceases to be relevant for our Services, unless applicable laws and regulations
require otherwise, or unless the requested by the user in writing.
8. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We may amend this Privacy Policy
at any time by posting a revised version on the Website. You are advised to review this
Privacy Policy periodically for the latest information. Changes to this Privacy Policy are
effective from the date of posting. If we make any substantial changes to this Privacy
Policy and the way in which we use your Personal Information, we will post these
changes on the Website and will do our best to notify you of any significant changes. By
continuing to use our Services, you accept and consent to the updated terms of this
Privacy Policy.
9. Contact Us
Accordingly, if you have questions or concerns regarding this Privacy Policy, or if you
want to inquire or request for information regarding any matter relating to the processing
of your respective personal data, you can contact us through the following information:
Email: support@c-express.ph
Contact Number: +639171538970
C-Express Inc.
1630 Philippines
Unit 1001, One Global Place, 5th Avenue corner 25th Street, Fort Bonifacio, Taguig City,