Users are advised to meticulously review this Privacy Policy. Selecting options like "Register", "I Agree with Espira Loan's Privacy Policy", "I Consent to My Personal Information Being Managed as Outlined by Espira Loan's Privacy Policy" or similar statements encountered on the Espira Loan sign-up interface, or whilst utilizing the services or accessing the platform, signifies your acknowledgment and consent to the processing of your personal data as specified in this document.
1. General
If you need to reach out for any reason, our email is contactus@espirasolutionsph.com.
In our commitment to maintaining the highest standards of privacy, we regularly update our Privacy Policy. The most recent update was on 02-24-2026. We recommend that you check this page often to stay informed about changes to our Privacy Policy.
2. Essential Loan Provider Insights
Our Collaboration with Premier Loan Providers: To ensure you have access to a broad spectrum of financial services, Espira Loan partners with distinguished loan providers. We believe in keeping you informed about these crucial partnerships.
Key Loan Provider Details:
Provider Identification: Streetcorner Lending Corp.
Official Registrations and Certifications:
SEC Registration Code: CS201606603
Certificate of Legal Authority: 1830
Location and Contact:
Email Query: support@streetcorner.com
Contact Number: 9499610268
Postal Address: 24th Floor IBP Tower Doña Julia Vargas and Jade Drive, Ortigas Center, Pasig, Metro Manila, 1605 Philippines
3. Espira Loan Meticulously Records and Administers:
Personal identification, including names and birth dates;
Details submitted during your loan application, such as income, employment status, the reason for the loan, and information about your mobile device;
Your contact information, encompassing residential address, phone numbers, and email addresses;
Specific data related to the borrower, like Social Security System numbers, job details, contact lists, and emergency contacts;
Information on your mobile device, covering unique identifiers, system and OS types, settings, account information, your telecom service provider, and network details, along with screen size and resolution;
Geographic location information derived from your device's GPS, IP address, and other technological data;
The collection of this information (your "Info") occurs through several avenues:
Initial download and installation of the Espira Loan app or when you show interest in obtaining a loan;
Your direct interactions with our customer support or loan agents;
Through credit bureaus for identity verification against other databases or fraud prevention agencies;
The procurement and handling of your Info by Espira Loan are crucial for providing their services or complying with legal obligations. Your Info is not gathered without your clear and informed consent outside these necessities.
4. Governance of User Information by Espira Loan
Through the acceptance of this Privacy Policy, the Borrower authorizes Espira Loan, along with its subsidiaries and partners, to conduct regular credit assessments using the provided information, not only during the loan's term but also for future financial service considerations.
Espira Loan guarantees the confidentiality of personal data, with a strict policy against disclosing such information to unrelated third parties, except as strictly required for delivering its financial services. Limited personal data may be shared with selected research partners, with a preference for data anonymization to protect user privacy.
By agreeing to this policy, you permit Espira Loan to disseminate your data, when necessary, to:
The broader Espira Loan Group network, including associated agents, affiliates, and leadership teams;
Banking and financial partners, credit reference agencies, and organizations specializing in fraud detection and technological support;
External entities tasked with assisting in financial recoveries or operational enhancements;
Appropriate regulatory bodies and entities in the event of legal, merger, or acquisition proceedings;
Other relevant parties under the compulsion of legal directives, for the enforcement of agreements, or for safeguarding the interests of Espira Loan and its community.
This structured approach to data sharing is integral to the provision of Espira Loan's services, reflecting a commitment to legal compliance and the secure management of user data.
5. The Way Espira Loan Employs Your Information
To ascertain your qualification for loans and services, analyzing financial stability and suitability for service enhancements.
Management of loan agreements, ensuring efficient processing and execution of financial obligations.
Identity verification to ensure the reliability of client data.
Implementation of measures to safeguard against fraud and secure service integrity.
Upgradation of Espira Loan's service portfolio to better meet user needs.
Tackling of any operational issues experienced by clients.
Compliance with legal mandates focusing on client authentication and financial crime deterrence.
Distribution of promotional content, subject to your acceptance.
Communication about service advancements and news.
Cooperation with credit validation and fraud mitigation partners.
Customer service excellence and engagement through selected communication modes.
Grounds for Processing Client Data:
Leveraging legitimate interests for service enhancement and operational efficiency.
Adhering to our contractual commitments to you, including addressing inquiries pre-agreement.
Processing based upon your explicit approval for certain data handling procedures.
6. Duration for Which Espira Loan Retains Personal Data
Your Data is retained by Espira Loan only for the duration necessary to achieve the objectives of this Privacy Policy, ensuring the efficient delivery of our services. Beyond achieving these purposes, your Data might be stored for: (i) complying with legal requirements; (ii) if laws provide for or permit such retention; and (iii) for laying groundwork for legal defenses or actions.
7. Utilization of Automated Processing for Financial Services by Espira Loan
In delivering its services, Espira Loan leverages automated processing, including profiling, to make determinations about the financial products offered to you.
Credit Approval Process: Our automated systems are designed to quickly evaluate loan applications, offering rapid responses based on advanced analytics. These systems assess various factors including, but not limited to, creditworthiness and financial stability, especially catering to applicants with minimal financial history.
Automated Fraud Detection: Espira Loan employs sophisticated algorithms to scan for and prevent fraudulent or suspicious activities. Should such systems flag an account, it may result in restrictions or denial of service.
Challenging Automated Decisions: If an automated decision adversely affects your access to loans or services, you're entitled to have this decision reviewed manually. To initiate this review, contact us directly at: contactus@espirasolutionsph.com.
8. Potential Ramifications of Not Providing Personal Data to Espira Loan
The submission of your personal information to Espira Loan is entirely at your discretion, and you are free to withdraw consent for its processing whenever you choose. However, a lack of consent may render us unable to deliver the products and services you seek, potentially leading to the termination of our contractual relationship in adherence to legal provisions. Notwithstanding, under circumstances where Espira Loan has a legitimate interest, such as for the settlement of unresolved loans, we may continue to hold and process your personal data to address such financial matters, consistent with applicable legal frameworks.
9. User Consent and Authorization for the Espira Loan
Engaging with the Espira Loan App constitutes your:
Consent to the provisions of this Privacy Policy;
Authorization for Espira Loan to collect, employ, disseminate, and handle your Information, potentially encompassing various data categories such as personal, sensitive, and confidential information as distinguished by law, as delineated within this Privacy Policy;
Assurance of the authenticity and accuracy of the Information provided to Espira Loan;
Permission for Espira Loan to verify the truthfulness of your Information;
Understanding that Espira Loan's adherence to legal frameworks may necessitate the sharing of your Information with governmental and regulatory authorities, including the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting agencies, among others.
10. Facial Recognition Data Handling Consent
Consent for Collection and Use of Facial Recognition Data
As a part of our dedication to maintaining the highest level of account security and authenticity, this application integrates facial recognition technology during our Know Your Customer (KYC) procedures. Below is a breakdown of our approach to managing facial recognition data:
Collecting Facial Recognition Information: Our process involves collecting data related to your facial features and biometric identifiers. This step is essential for identity verification and safeguarding your account against unauthorized access.
Purpose Behind Using Facial Data: The sole use of the collected facial data is to perform KYC verifications, ensuring that each account is genuine and protected. This data will not be exploited for commercial aims outside of this context.
Privacy and Sharing of Facial Data: We assure you that your facial data remains confidential and will only be shared under legal compulsion or with your direct consent.
Facial Data Security Measures: Comprehensive security protocols are in place to protect your facial data on our servers, ensuring its safety through stringent technical and organizational strategies.
Duration of Facial Data Retention: Your facial data will be retained solely for the period necessary to accomplish KYC verification purposes. Subsequent to this process, immediate measures will be employed to either delete or anonymize your data.
Your Rights Over Facial Data: You retain the right to review, modify, or request the deletion of your facial recognition data at any moment. For any inquiries or to exercise these rights, our privacy team is at your disposal.
By using this application, you acknowledge and consent to the outlined facial recognition data practices. Our commitment is to uphold your privacy and data security at all times.
For additional information or if you seek further explanation, please reach out to our privacy team. Your security and trust are our top priority as we strive to offer a secure and efficient service.