Privacy Policy

All users are strongly encouraged to thoroughly review this Privacy Policy. By clicking on options like "Register", "I Accept Berkman Credit's Privacy Policy", "I Agree to My Personal Data Being Collected, Used, Disclosed, Stored, Transmitted, and/or Processed as Described in Berkman Credit's Privacy Policy" on the Berkman Credit 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. Essential Loan Provider Insights

Our Collaboration with Premier Loan Providers: To ensure you have access to a broad spectrum of financial services, Berkman Credit partners with distinguished loan providers. We believe in keeping you informed about these crucial partnerships.

Key Loan Provider Details:
Provider Identification: Flash Cash 101 Lending Corp.
Official Registrations and Certifications:
SEC Registration Code: CS201915317
Certificate of Legal Authority: 3083
Location and Contact:
Email Query: services@flashcash.com
Contact Number: 9084621837
Postal Address: 2005 East Tower Philippine Stock Exchange Center, Pasig, Metro Manila, 1600 Philippines



2. Purpose of Data Collection by Berkman Credit

Assessing eligibility for our services based on financial health and creditworthiness.
Administering and managing your loan, including all transactions, disbursements, and repayments.
Verifying identities and the accuracy of submitted information.
Preventing fraudulent activities and unauthorized service access.
Enhancing and improving our product offerings.
Resolving service-related issues encountered by users.
Ensuring compliance with legal and regulatory requirements for customer identification and anti-money laundering measures.
Sending marketing communications, provided you have not opted out.
Keeping you informed about updates and new services.
Working with credit monitoring and fraud prevention agencies.
Delivering customer support and reaching out via agreed communication methods.

Rationale for Processing Your Data:
Our legitimate interest in offering tailored financial and technological services.
Fulfilling our contractual obligations and responding to your pre-contract inquiries.
Based on your explicit consent for specific processing activities.




3. Berkman Credit Engages in the Collection and Oversight of:

Identifying particulars such as your legal name and date of birth;
Inputs from your loan application, detailing your financial situation, current employment, purpose for the loan, and mobile device specs;
Communication methods, including your postal address, phone number, and email address;
Borrower-specific information, encompassing SSS numbers, employment history, personal and emergency contacts;
Your mobile device's technical specifications, like device ID, operating system, settings, account details, carrier, and network specifics, as well as display features;
The sources of such information (herein referred to as "Info") include:
Installation of the Berkman Credit software or when expressing interest in a loan service;
Direct dealings with our team, whether through customer service or loan consultations;
Credit reporting agencies that cross-check your Info with external databases for verification or fraud prevention purposes;
Collecting and managing your Info is vital for the provision of Berkman Credit's services or to fulfill legal prerequisites. Collection without your explicit consent only occurs when absolutely necessary.




4. Governance of User Information by Berkman Credit

Through the acceptance of this Privacy Policy, the Borrower authorizes Berkman Credit, 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.

Berkman Credit 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 Berkman Credit to disseminate your data, when necessary, to:

The broader Berkman Credit 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 Berkman Credit and its community.

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




5. Retention Period of Personal Data by Berkman Credit

Berkman Credit ensures that your personal information is retained solely for as long as necessary to fulfill the purposes of our Privacy Policy. This includes a period deemed reasonable for the provision of our services and offerings. Beyond these objectives, your Data may be stored longer if required by legal obligations, allowed under applicable laws, or as necessary to support potential legal claims or defenses.




6. Automated Profiling and Decision-Making at Berkman Credit

Berkman Credit's approach to offering financial services leverages automated profiling to ensure that our offerings align closely with your financial needs and circumstances.

Tailored Financial Solutions: Our system uses sophisticated algorithms to determine your eligibility for loans, focusing on efficiency and accessibility for all customers, irrespective of their financial history.
Identifying and Mitigating Financial Risks: Automated processes play a crucial role in detecting potentially fraudulent activities, employing advanced analytics to safeguard against financial risks.
Rights in the Face of Automated Decisions: Berkman Credit respects your right to understand and challenge decisions made by automated processes. For a human review of any decision affecting your loan application or service eligibility, please reach out to: contact@berkmansystems.com.



7. Asserting Your Rights as a Data Subject

For inquiries or to activate your data subject rights, connect with us at contact@berkmansystems.com.

Rights to Information and Consent: You are owed comprehensive insights into our data handling practices, including purposes of data use, partners in data sharing, sources of data, and a summary of your rights, all documented within the Berkman Credit App and the accompanying Privacy Policy.
Right of Access: You are authorized to access the personal data we retain about you, subject to legal and rights-based restrictions.
Right to Amend: Any inaccuracies in your personal data can be rectified upon your request, possibly requiring evidence to substantiate the modifications.
Right to Deletion: If you believe there's no justifiable reason for us to keep your data, you may request its erasure.
Right to Processing Limitation: You can demand a halt in data processing under specific conditions, such as inaccuracies or unauthorized processing disputes.
Data Portability Right: At your behest, we're prepared to transfer your data to a third party in a structured format or provide you with a directly usable copy.
Right to Dispute Processing: Should our processing of your data be predicated on legitimate interests, you're empowered to challenge this processing.
Right to Report Concerns: Should you perceive a violation of your data rights, you're encouraged to file a complaint with the National Privacy Commission of the Philippines or other relevant bodies.Be aware, there might be instances when fulfilling your request is impractical due to overarching legal commitments or exemptions.




8. Consent and Delegation by Engaging with Berkman Credit App

Upon the installation and utilization of the Berkman Credit App, you consent to:

Adhere to the conditions of this Privacy Policy;
Allow Berkman Credit 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 Berkman Credit;
Grant Berkman Credit permission to undertake verification processes to confirm the accuracy of the provided Information;
Acknowledge Berkman Credit'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 Recognition Data Policy

Consent to Facial Data Collection for Enhanced Security Measures
In our commitment to uphold the integrity and safety of your account, this application may request your facial data as part of the Know Your Customer (KYC) procedures. Below is a comprehensive overview of how we handle facial recognition data:
Collection of Facial Recognition Data: For identity verification purposes, we collect data related to your facial features and biometric identifiers. This process is critical for validating your identity and safeguarding your account.
Purpose of Collecting Facial Data: The sole application of this facial data is for KYC processes, aiming to confirm the authenticity of your account and to bolster its security. We guarantee this information will not be exploited for any commercial activities outside this scope.
Confidentiality and Data Sharing: Your facial data is treated with the utmost confidentiality. It will not be disclosed to third parties except under legal compulsion or with your direct approval.
Secure Data Storage: We employ robust security measures to protect your facial data stored on our servers, ensuring its safety through both technical and organizational strategies.
Duration of Data Retention: Facial data is kept only for the duration necessary to complete KYC verification. Post-verification, steps are promptly taken to either eradicate or anonymize this data.
Your Privacy Rights: At any moment, you can request access to, amendment of, or deletion of your facial data. For any inquiries or to exercise your rights, please contact our dedicated privacy team.

Your use of our application signifies your consent to the facial data processing practices outlined here. We are committed to maintaining the highest privacy and security standards for your personal data.

For additional information or inquiries, our privacy team is at your service, ensuring a secure and dependable experience with our app.




10. The Impact of Not Sharing Personal Information

You are under no obligation to provide us with your personal information or consent to its processing. Should you choose to withdraw your consent or not provide the necessary data, please be aware that this may affect our capacity to deliver our services to you effectively. Consequently, this may lead to the termination of our services to you, as allowed by law. Notwithstanding, we may retain your information based on legitimate interests as defined by law, especially in scenarios where outstanding financial obligations exist, to facilitate ongoing collection activities.




11. Reaching Out and Privacy Policy Revisions

Should you have any questions or need assistance, our team is available at contact@berkmansystems.com.
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 01-19-2026. We advise you to frequently visit this page for the most current policy information.