1. Introduction and Corporate Commitment CEBNET TECHNOLOGIES INC. (operating herein as "CEBNET FUND") prioritizes your digital sovereignty. This Master Charter outlines our encrypted mechanisms for acquiring, routing, and protecting your personal identifiers when you engage with cebnettech.com and our mobile infrastructure. We enforce strict adherence to the Data Privacy Act of 2012 (DPA) and Apple's comprehensive App Store Review Guidelines.
2. Dimensions of Data Acquisition To deliver secure and frictionless credit evaluation services, we legally acquire the following data parameters upon your explicit authorization:
Identity Metrics: Full legal name, date of birth, and valid government-issued credentials strictly for Anti-Money Laundering (AML) and Know Your Customer (KYC) verification.
Communication Vectors: Active mobile network numbers, residential coordinates, and alternative emergency contacts vital for establishing your credit modeling profile.
Geolocation Intelligence: We collect your precise GPS coordinates and network-based location data during the application and transaction process. This is mandatory to verify your physical presence within the Republic of the Philippines as per local regulatory mandates and to detect unauthorized access originating from high-risk or prohibited geographical zones.
Device Telemetry & Environment: Hardware specifications, Operating System versions, and IP routing nodes to mitigate Account Takeover (ATO) threats and ensure transactional integrity.
3. Apple App Tracking Transparency (ATT) Compliance In strict alignment with Apple's iOS privacy ecosystem, CEBNET FUND implements the following tracking protocols:
Explicit Consent Mechanism: Prior to accessing your device's Identifier for Advertisers (IDFA) or tracking your digital footprint across third-party properties, we will always present the native iOS ATT prompt.
Purpose of Telemetry: Authorized tracking data is solely leveraged to measure our marketing attribution efficiency and to fortify our anti-fraud perimeters.
Zero-Penalty Opt-Out: Should you select "Ask App Not to Track," CEBNET FUND guarantees zero degradation in service. Your ability to apply for credit, manage funds, and utilize core app functions remains entirely unaffected.
4. Processing Logic and Utilization Your telemetry and identity metrics are never monetized, rented, or sold to any external data brokers or third parties. We utilize them exclusively to:
Risk Synthesis: Power our proprietary risk assessment engine, using geolocation data to cross-reference identity claims and prevent cross-border identity theft.
Disbursement & Servicing: Facilitate secure fund disbursements and orchestrate repayment schedules.
Fraud Mitigation: Identify anomalous login patterns or suspicious geographical shifts that may indicate account compromise.
Technical Support: Enable our customer success team to provide verified, secure technical support.
5. Authorized Disclosure and Secure Routing Under end-to-end encrypted protocols, your data is only routed to:
Regulatory Authorities: Mandatory compliance reporting to the Securities and Exchange Commission (SEC) and relevant Philippine financial regulators.
Licensed Infrastructure Partners: Secure payment gateways and OTP SMS providers bound by stringent Non-Disclosure Agreements (NDAs) and data isolation rules.
6. Data Subject Rights (DSR) You retain absolute control over your digital profile. You reserve the right to:
Request an encrypted digital copy of your data archive.
Rectify outdated or erroneous identity metrics.
Invoke the "Right to Erasure" (account and data deletion) upon full settlement of all outstanding credit obligations.
7. Corporate Headquarters and Contact Channels For legal inquiries, dispute resolution, or to exercise your Data Subject Rights, our Data Protection Officer (DPO) is accessible via our official channels:
Entity Name: CEBNET TECHNOLOGIES INC.
Official Website: cebnettech.com
Registered Address: 2nd Floor Philippine Veterans Bank Building
Compliance & Support Email: support@cebnettech.com