Privacy Poilcy

Last Updated: 30th March 2025

This Privacy Policy explains how PCharge.ph (“we,” “us,” or “our”) collects, uses, stores, and protects your personal information when you use our payment services. By accessing our platform, you agree to the terms outlined here. 

1. Information We Collect

We may collect the following data to provide our services: 

Personal Details: Name, email, phone number, address, government-issued ID (for business verification). 

Financial Data: Bank account numbers, e-wallet details, transaction history. 

Technical Information: IP address, device type, browser, cookies, and usage patterns. 

Third-Party Data: Information from partners (e.g., banks, payment gateways) to complete transactions. 

2. How We Use Your Information

Your data is used for: 

-Service Delivery: Processing payments, generating invoices, and resolving disputes. 

Verification: Confirming your identity and business details. 

Security: Detecting fraud, unauthorized access, or illegal activities. 

Improvements: Analyzing usage trends to enhance our platform. 

Communication: Sending transaction alerts, updates, or promotional offers (with consent). 

3. Data Sharing

We only share information under these circumstances: 

With Consent: For services requiring third-party integration (e.g., banks, e-wallets). 

Legal Obligations: To comply with court orders, tax regulations, or anti-fraud investigations. 

Service Providers: Trusted partners assisting with IT, customer support, or analytics (bound by confidentiality agreements). 

We do not sell your data to advertisers or unauthorized third parties. 

4. Data Security

We implement safeguards to protect your information: 

Encryption: SSL/TLS for data transmission. 

Access Controls: Restricted employee access to sensitive data. 

Audits: Regular security assessments and monitoring. 

Despite our efforts, no system is 100% secure. Promptly report suspicious activity to support@pcharge.ph . 

5. Data Retention

We retain your information: 

- As long as needed to fulfill legal, tax, or operational requirements. 

- Up to 1 year after account closure, unless otherwise required by law. 

6. Your Rights

Under the Philippine Data Privacy Act, you may: 

Access/Correct your data via your account dashboard. 

Request Deletion of non-essential information (subject to legal limits). 

Withdraw Consent for marketing communications. 

Object to specific data uses. 

To exercise these rights, contact our Data Protection Officer (DPO) at support@pcharge.ph. 

7. International Transfers

Data may be stored or processed in countries outside the Philippines. We ensure transfers comply with applicable laws and use contractual safeguards (e.g., GDPR standards for EU data). 

8. Children’s Privacy

Our services are not intended for users under 18. We do not knowingly collect minors’ data. 

9. Updates to This Policy

Changes will be posted on this page. Continued use of our services implies acceptance of revised terms. 

10. Contact Us

For questions, complaints, or data requests: 

Email: support@pcharge.ph

This policy is governed by the laws of the Republic of the Philippines.