Privacy Policy

Peoples Finance Inc. ("Peoples Finance", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website peoples-finance.com or use our Services. Please read this policy carefully. By using our Services, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services.

We collect information you provide directly to us, information collected automatically, and information from third parties. INFORMATION YOU PROVIDE: • Identity information: Full name, date of birth, government-issued ID. • Contact information: Email address, phone number, mailing address. • Financial information: Income, employment status, employer details, credit score range. • Account credentials: Password (hashed and never stored in plain text), security PIN. • Application data: Loan type, amount, purpose, preferred term. INFORMATION COLLECTED AUTOMATICALLY: • Device information: IP address, browser type, operating system, device identifiers. • Usage data: Pages visited, time spent, links clicked, referring URLs. • Cookies and similar technologies (see Section 8). INFORMATION FROM THIRD PARTIES: • Credit bureaus: Credit reports and scores (with your consent). • Identity verification services: To confirm your identity. • Financial data providers: To verify income and employment.

We use the information we collect to: • Process your loan application and make credit decisions. • Verify your identity and prevent fraud. • Communicate with you about your account and application status. • Send transactional emails (application received, approval decisions, payment reminders). • Improve our platform, products, and customer experience. • Comply with legal obligations and regulatory requirements. • Enforce our Terms of Service. • Detect and prevent fraudulent or illegal activity. We will not use your information for purposes inconsistent with this Privacy Policy without your explicit consent.

We do not sell your personal information. We may share your information with: LENDING PARTNERS: To evaluate and process your loan application. These partners are contractually bound to protect your information. SERVICE PROVIDERS: Third parties that perform services on our behalf, including cloud hosting, email delivery, identity verification, analytics, and customer support. These providers may only use your information as directed by us. CREDIT BUREAUS: With your authorization, to obtain credit reports and report your loan status. REGULATORY AUTHORITIES: When required by law, court order, or government regulation. BUSINESS TRANSFERS: In connection with a merger, acquisition, or sale of assets, your information may be transferred. We will notify you of any such change. We require all third parties to maintain appropriate security measures and prohibit them from using your data for their own commercial purposes.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. • Active account data: Retained for the duration of your account and 7 years after closure. • Loan application data: Retained for 7 years to comply with financial recordkeeping regulations. • Cookies and analytics data: Retained for up to 24 months. Upon request, we will delete or anonymize your personal data, subject to legal retention obligations.

We implement industry-standard security measures to protect your personal information: • 256-bit SSL/TLS encryption for all data in transit. • AES-256 encryption for sensitive data stored in our databases. • Hashed storage of passwords and PINs (we never store plain-text credentials). • Access controls limiting employee access to your data on a need-to-know basis. • Regular security audits and penetration testing. • SOC 2 Type II compliance practices. While we take these precautions, no data transmission or storage system is 100% secure. If you suspect a security breach affecting your account, please contact us immediately at support@peoples-finance.com.

Depending on your location, you may have the following rights: ACCESS: Request a copy of the personal information we hold about you. CORRECTION: Request correction of inaccurate or incomplete information. DELETION: Request deletion of your personal information, subject to legal retention requirements. PORTABILITY: Request your data in a structured, machine-readable format. OPT-OUT: Opt out of marketing communications at any time using the unsubscribe link in emails. WITHDRAW CONSENT: Withdraw consent for optional data processing without affecting prior lawful processing. California residents have additional rights under the California Consumer Privacy Act (CCPA). Singapore residents have rights under the Personal Data Protection Act (PDPA). Philippines residents are covered under the Data Privacy Act of 2012. To exercise your rights, contact us at support@peoples-finance.com. We will respond within 30 days.

We use cookies and similar technologies to operate and improve our platform. ESSENTIAL COOKIES: Required for the Platform to function. Cannot be disabled. Examples: Session authentication, security tokens, PIN verification state. ANALYTICS COOKIES: Help us understand how users interact with our platform. Examples: Page views, session duration, feature usage. PREFERENCE COOKIES: Remember your settings and preferences. Examples: Language settings, theme preferences. You can control cookies through your browser settings. Disabling non-essential cookies will not affect your ability to apply for loans or access your account. We do not use tracking cookies for advertising or sell your behavioral data to advertisers.

Peoples Finance operates in the United States and across Asia including Singapore, Malaysia, Philippines, India, and Indonesia. Your data may be transferred to and processed in countries outside your country of residence. When we transfer data internationally, we implement appropriate safeguards including: • Standard contractual clauses approved by relevant data protection authorities. • Ensuring recipient countries provide adequate data protection. • Data processing agreements with all third-party service providers. By using our Services, you consent to the transfer of your information to our facilities and to the facilities of those third parties with whom we share information as described in this Privacy Policy.

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us at support@peoples-finance.com and we will promptly delete such information.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will: • Post the updated policy on this page with a revised "Last Updated" date. • Send an email notification to registered users. • Display a prominent notice on our Platform for 30 days. Your continued use of our Services after any changes constitutes your acceptance of the updated Privacy Policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team: 📧 support@peoples-finance.com 📱 WhatsApp: +1 (501) 309-7181 🌐 peoples-finance.com Peoples Finance Inc. Attn: Privacy Team New York, NY · Singapore · Manila We are committed to resolving privacy concerns promptly and will respond to all inquiries within 30 days.