All users are strongly encouraged to thoroughly review this Privacy Policy. By clicking on options like "Register", "I Accept UniStar Cash's Privacy Policy", "I Agree to My Personal Data Being Collected, Used, Disclosed, Stored, Transmitted, and/or Processed as Described in UniStar Cash's Privacy Policy" on the UniStar Cash registration page, or during the use of our services or access to the platform, you affirm that you have read, understood, and agree to the terms outlined in this Privacy Policy regarding the handling of your personal information.




1. Loan Service Provider Synopsis

Introducing Our Loan Provision Partner: UniStar Cash is allied with premier loan providers to offer comprehensive credit and loan services. Familiarity with our partners is a cornerstone of our service ethos.

Loan Service Provider Attributes:
Entity Name: Sumisho Motor Finance Corporation
Regulatory and License Data:
SEC Identification Number: CS200917691
Certificate of Operational Authority: 1007
Locator Details:
Email Assistance: [email protected]
Telephone Number: 9658213698
Address: 12th Floor PSBank Center 777 Paseo de Roxas corner Sedeño Street, Salcedo Village Makati, Metro Manila, 1227 Philippines




2. Collection and Management Activities at UniStar Cash Target:

Personal identification metrics, including your name and birth date;
Information from your loan application about your salary, employment, the purpose behind the loan, and mobile device characteristics;
Your reachable contacts, detailed by home address, telephone, and email;
Exclusive borrower insights, such as SSS numbers, occupational data, personal and emergency contact details;
Technical details of your mobile unit, including identifiers, system and OS versions, configurations, account specifics, carrier, and network data, plus display attributes;
These details (referred to as "Info") are acquired via:
The action of downloading or showing intent to apply for a loan via the UniStar Cash app;
Your engagements with our support or loan facilitation personnel;
Credit assessment services for validating your Info against varied data sources or for fraud mitigation efforts;
The rationale behind gathering and handling your Info by UniStar Cash spans service delivery or meeting legal requirements. We ensure your Info is collected solely with your explicit permission.




3. The Way UniStar Cash 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 UniStar Cash'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.




4. Governance of User Information by UniStar Cash

Through the acceptance of this Privacy Policy, the Borrower authorizes UniStar Cash, 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.

UniStar Cash 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 UniStar Cash to disseminate your data, when necessary, to:

The broader UniStar Cash 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 UniStar Cash and its community.

This structured approach to data sharing is integral to the provision of UniStar Cash's services, reflecting a commitment to legal compliance and the secure management of user data.




5. Management of Data Retention by UniStar Cash

UniStar Cash commits to holding personal Data for the time frame strictly necessary to fulfill the specific purposes highlighted in sections 2 and 10 of the Privacy Policy. This period extends to what is reasonable for concluding our service provisions effectively. Additionally, the retention of your Data may extend under certain conditions: (i) to comply with mandatory legal obligations; (ii) where legal provisions permit retention; and (iii) to formulate defenses for potential legal proceedings.




6. Understanding Your Rights with UniStar Cash

Contact us at [email protected]. for any questions or to assert your rights under data protection law.

Notification and Consent: We commit to informing you about the nature of data we collect, the purposes for its use, our sharing practices, and the rights you hold. Find these details in the UniStar Cash App and within our Privacy Policy.
Access to Information: You are entitled to request access to your data within our custody. Access may be limited in certain circumstances to safeguard the rights of others or adhere to legal prohibitions.
Data Correction: If inaccuracies in your data come to your attention, you may seek corrections, subject to provision of evidence validating the changes.
Deletion of Data: Your right to "be forgotten" allows you to request the erasure of your data when its retention becomes unnecessary.
Processing Restrictions: You may ask for a suspension in data processing if you contest its accuracy or the lawfulness of our processing activities.
Portability of Data: Upon request, we can arrange for your data to be transferred to you or another party in a standardized format, based on your consent or as part of our contractual obligations.
Objection to Processing: You have the right to oppose data processing based on legitimate interests, as outlined in section 2.
Filing Complaints: If you perceive a breach of your data rights, you have the right to complain to the appropriate regulatory authority, including the National Privacy Commission of the Philippines. It's important to understand that in some instances, legal considerations or obligations may prevent us from accommodating your request.


7. The Effect of Withholding Your Personal Information from UniStar Cash

While providing your personal information to UniStar Cash is not mandatory, choosing not to share this data or withdrawing your consent for its use might restrict our capability to offer you our current or envisaged services. This limitation might necessitate the termination of our service provision to you, as aligned with legal allowances. Furthermore, should there be a legally justifiable reason, such as the need to pursue outstanding debts, we reserve the right to keep your information for as long as necessary to fulfill such obligations, even in instances where you've requested data erasure.




8. Consent and Delegation by Engaging with UniStar Cash App

Upon the installation and utilization of the UniStar Cash App, you consent to:

Adhere to the conditions of this Privacy Policy;
Allow UniStar Cash the authority to process your Information, which may span across personal, sensitive, and confidential data types as per relevant legislation, in alignment with the practices described in this Privacy Policy;
Affirm the truth and completeness of all Information you have supplied and commit to provide to UniStar Cash;
Grant UniStar Cash permission to undertake verification processes to confirm the accuracy of the provided Information;
Acknowledge UniStar Cash's requirement to share your Information with regulatory entities including but not limited to the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and credit reporting bodies to meet statutory and legal duties.






9. Facial Information Use and Protection Protocol

User Agreement on Facial Data Collection for Verification Purposes

In our ongoing effort to verify user identity accurately and ensure the security of every account, our application leverages facial recognition technology as part of our Know Your Customer (KYC) process. Detailed below is our policy regarding the collection and utilization of facial data:
Facial Data Acquisition: The application is designed to gather specific information about your facial features and biometric identifiers. This crucial step aids in accurately verifying your identity and enhancing the security framework of your account.
Objective for Facial Data Utilization: The primary aim for collecting facial data is to facilitate the KYC verification process, confirming the authenticity and security of user accounts. Rest assured, this information will not be repurposed for any commercial endeavors beyond this scope.
Confidentiality and Third-party Sharing: We commit to keeping your facial data confidential, ensuring it is not shared with any third parties without necessitation by legal obligations or without your informed consent.
Measures for Data Security: All collected facial data is securely stored within our system infrastructure, safeguarded by the latest in technical and organizational security measures.
Facial Data Retention Timeline: The retention of facial data is strictly limited to the duration required for completing the KYC verification process. Following verification, immediate actions are undertaken to securely delete or anonymize such data.
Privileges Regarding Your Facial Data: You reserve the right to inquire about, rectify, or request the erasure of your facial data within our records at any point. Our privacy team is readily available to address any such requests or questions you might have.

By proceeding with the use of our application, you express your consent to the processing of your facial data as outlined herein. We are steadfast in our commitment to upholding the highest privacy and security standards for your personal information.

For any queries or further explanations, our privacy team is eagerly waiting to assist. We are dedicated to ensuring a secure and trustworthy service experience for all our users.




10. Reaching Out and Privacy Policy Revisions

Should you have any questions or need assistance, our team is available at .
Our Privacy Policy is reviewed and updated periodically to reflect our ongoing commitment to your privacy and security. Please note that the latest policy update was made on 10-04-2024. We advise you to frequently visit this page for the most current policy information.