Privacy Policy

1. Who We Are

Kaulix Lending Corporation ("Company", "we", "our", or "us") is a lending company registered with the Securities and Exchange Commission (CA No. L-26-1044-53). We act as the Personal Information Controller for data collected through the Kaulix platform, including web and mobile applications.

2. Information We Collect

We collect the following categories of personal information:

• Identity Information — Full name, date of birth, nationality, and government-issued ID details for KYC (Know Your Customer) verification.
• Contact Information — Email address, phone number, and residential address.
• Financial Information — Bank account details, income information, employment details, and transaction history.
• Account Information — Username, password (stored in hashed form), and profile preferences.
• Device & Usage Information — IP address, browser type, device identifiers, access times, and pages viewed.
• Credit & Risk Data — Credit scores, lending history, and risk assessment results generated by our system.

3. How We Use Your Information

We process your personal data for the following purposes:

• Account Registration & Verification — To create your account, verify your identity, and comply with KYC and Anti-Money Laundering (AMLA) requirements.
• Lending Operations — To facilitate lending transactions, process payments, and manage loan portfolios.
• Credit Assessment — To evaluate creditworthiness using our AI-powered credit scoring system.
• Communication — To send transaction confirmations, account updates, security alerts, and platform notifications.
• Legal Compliance — To comply with applicable laws and regulations, including SEC, BSP, and NPC requirements.
• Service Improvement — To analyze usage patterns, improve our services, and develop new features.

4. Legal Basis for Processing

Under the Data Privacy Act of 2012, we process your information based on:

• Consent — You provide consent when you engage with our lending services.
• Contractual Necessity — Processing is necessary to fulfill the services you requested.
• Legitimate Interest — For fraud prevention, platform security, and service improvement.
• Legal Obligation — To comply with Philippine regulatory requirements including AMLA and tax reporting.

5. Data Sharing & Disclosure

We do not sell your personal information. We may share your data only in the following circumstances:

• Service Providers — With trusted third-party providers who assist us in operating the platform, including payment processors, identity verification services, and cloud hosting providers, under strict data processing agreements.
• Regulatory Authorities — When required by law or in response to valid legal requests from the SEC, BSP, NPC, AMLC, or other Philippine government agencies.
• Business Transfers — In connection with a merger, acquisition, or sale of assets, your data may be transferred as part of the transaction, subject to the same privacy protections.

6. Data Storage & Security

We implement industry-standard security measures to protect your personal information:

• Encryption of data in transit (TLS/SSL) and at rest.
• Secure authentication mechanisms, including hashed passwords.
• Access controls limiting data access to authorized personnel only.
• Regular security assessments and monitoring for unauthorized access.
• Data stored on secure servers with appropriate physical and technical safeguards.

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to continuous improvement of our security practices.

7. Data Retention

We retain your personal data only for as long as necessary:

• Active Accounts — Data is retained for the duration of your account and active use of our services.
• After Account Closure — Certain data may be retained for up to five (5) years after account closure to comply with legal, regulatory, and audit requirements.
• Transaction Records — Financial transaction records are retained as required by tax and lending regulations.

8. Your Rights

Under the Data Privacy Act of 2012, you have the following rights:

• Right to Be Informed — To know how your personal data is being collected, used, and processed.
• Right to Access — To request a copy of the personal data we hold about you.
• Right to Rectification — To request correction of inaccurate or incomplete personal data.
• Right to Erasure or Blocking — To request deletion or blocking of your personal data under certain conditions.
• Right to Data Portability — To receive your personal data in a structured, commonly used format.
• Right to Object — To object to processing based on legitimate interest or for direct marketing.
• Right to File a Complaint — To lodge a complaint with the National Privacy Commission (NPC).

To exercise any of these rights, please contact us at admin@kaulix.com.

9. Cookies & Tracking

We use cookies and similar technologies to enhance your experience:

• Essential Cookies — Required for the platform to function properly, including authentication and session management.
• Analytics Cookies — To understand how users interact with our platform and improve our services.

You can manage cookie preferences through your browser settings. Disabling essential cookies may affect platform functionality.

10. Children's Privacy

Kaulix services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a minor, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes through the platform or via email. Continued use of our services after updates constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data:

• Email: admin@kaulix.com
• Company: Kaulix Lending Corporation
• Address: Cagayan de Oro City, Misamis Oriental, Philippines

You may also file a complaint with the National Privacy Commission (NPC) of the Philippines if you believe your data privacy rights have been violated.