Privacy Policy

Usapang Utang PH / Usapangutang.com

Effective Date: May 16, 2026
Website: Usapangutang.com
Brand: Usapang Utang PH
Contact Email: jun.usapangutangph@gmail.com

1. Introduction

Usapang Utang PH and Usapangutang.com respect your privacy and are committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, share, and protect information from users who visit our website, send us messages, join our community, book one-on-one guided filing assistance, or interact with our content on TikTok, Facebook, YouTube, email, and other official channels.

Usapang Utang PH is a borrower education, loan scam awareness, and peer support platform. We create content about online loan apps, debt concerns, borrower awareness, harassment, demand letters, SEC/NPC/CICC complaint preparation, CIC credit record awareness, loan-related scams, and peer support.

We are not a lending company, law firm, collection agency, credit bureau, mental health clinic, crisis hotline, or government agency. We do not approve loans, collect loan payments, delete debts, remove CIC records, provide therapy, or guarantee legal, financial, complaint, or mental health outcomes.

This Privacy Policy is intended to comply with Republic Act No. 10173, also known as the Data Privacy Act of 2012, its Implementing Rules and Regulations, and relevant issuances of the National Privacy Commission. The Data Privacy Act protects personal information in both government and private-sector information and communications systems. (National Privacy Commission)

2. Information We May Collect

Depending on how you interact with us, we may collect the following types of information:

A. Basic Contact Information

We may collect:

Name or nickname
Email address
Phone number
TikTok, Facebook, YouTube, or social media username
Preferred contact method

B. Information You Voluntarily Send to Us

When you message us or ask for guidance, you may voluntarily provide:

App name or lending company name
Loan amount received
Total repayment amount
Due date
Short summary of your concern
Screenshots of messages
Call logs
Collector phone numbers
Payment proof or reference numbers
Links to posts, pages, or profiles related to harassment or scams
Timeline of events

If you book a one-on-one guided filing assistance session with Kuya Jun, we may collect:

Your name or preferred name
Contact number or video call account
Concern summary
Evidence you voluntarily provide
Appointment details
Payment confirmation for the fixed one-time contribution
Notes needed to help organize your concern

The one-on-one guided filing assistance is for borrower education, evidence organization, and filing preparation guidance only. It is not legal advice, legal representation, financial advice, therapy, or guaranteed complaint assistance.

D. Payment Information

If you pay for a one-on-one guided filing assistance session or any future paid educational service, we may collect limited payment-related information such as:

Payment reference number
Date and time of payment
Amount paid
Payment channel used
Screenshot or proof of payment

We do not ask for your bank password, OTP, PIN, card security code, account login, or private wallet credentials.

E. Community and Peer Support Information

If you join a private peer support community, we may collect:

Username or display name
Messages or posts you voluntarily share
Community participation records
Reports or moderation concerns
Information needed to protect community safety

We encourage users not to share sensitive personal information inside the community.

F. Website and Technical Information

When you visit Usapangutang.com, we may automatically collect basic technical information such as:

IP address
Browser type
Device type
Pages visited
Date and time of visit
Referral source
Cookies or similar tracking information

This helps us improve website security, performance, and content.

3. Sensitive Information

Some information you send may be sensitive, especially if it includes IDs, financial details, screenshots, legal documents, or information about your debt, harassment, mental stress, or personal circumstances.

The National Privacy Commission explains that sensitive personal information may include details such as age, marital status, health, education, government-issued IDs, and other protected information. (National Privacy Commission)

For your safety, please do not send us:

OTPs
Passwords
PINs
Full government IDs
Full bank account details
Wallet login details
Complete home address unless truly necessary
Private account access
Highly sensitive personal information not needed for your concern

If we do not need certain information, we may ask you to blur, hide, or remove it before sending.

4. How We Use Your Information

We may use your information for the following purposes:

To respond to your questions or messages
To provide borrower education and general guidance
To help organize your concern during one-on-one guided filing assistance
To help identify what evidence may be useful for SEC, NPC, CICC, CIC, platform, or other possible reporting channels
To provide scam awareness and safety reminders
To manage bookings, payments, and appointment records
To moderate private community discussions
To protect users from impersonators, scams, abusive behavior, or misuse of the community
To improve our website, content, services, and educational materials
To comply with legal obligations, lawful requests, or data protection requirements
To protect the rights, safety, and security of Usapang Utang PH, its users, and the public

We aim to collect only information that is relevant and necessary for the stated purpose. NPC consent guidance emphasizes that personal data processing should be specific, legitimate, fair, and not excessive in relation to the declared purpose. (National Privacy Commission)

5. Legal Basis for Processing

We may process your personal information based on one or more of the following:

Your consent
Our legitimate interest in responding to your inquiry, improving our services, and protecting our community
The need to perform a service you requested, such as one-on-one guided filing assistance
Compliance with legal obligations
Protection of lawful rights and interests
Safety, fraud prevention, scam prevention, or security purposes

You may withdraw consent when processing is based on consent, subject to legal, contractual, safety, or operational limitations.

We do not sell your personal information.

We may share information only when necessary, such as:

A. With Service Providers

We may use third-party services for website hosting, email, analytics, payment confirmation, scheduling, video calls, forms, community platforms, or file storage. These providers may process information only as needed to provide their services.

B. With Government Agencies or Reporting Channels

If you ask for guidance in preparing a complaint, you may choose to submit your information to agencies or platforms such as SEC, NPC, CICC, CIC, courts, app stores, social media platforms, or law enforcement.

Usapang Utang PH does not guarantee the result of any report or complaint.

C. For Safety, Legal, or Security Reasons

We may disclose information when necessary to:

Comply with law or legal process
Respond to lawful government requests
Prevent fraud, scams, abuse, threats, or harm
Protect our rights, users, community, or public safety
Investigate impersonation or misuse of Usapang Utang PH’s name

We may share information when you clearly authorize us to do so.

7. Public Comments and Community Posts

If you comment on our website, TikTok, Facebook, YouTube, or community spaces, your comment, username, profile photo, and other public details may be visible to others depending on the platform’s settings.

Please avoid posting:

OTPs
Passwords
Full IDs
Full addresses
Bank details
Loan account numbers
Sensitive screenshots
Names or personal details of other people without permission

We may remove posts or comments that expose sensitive information, encourage abuse, promote scams, offer fake loan removal, or violate community rules.

8. One-on-One Guided Filing Assistance with Kuya Jun

Usapang Utang PH may offer optional one-on-one guided filing assistance with Kuya Jun through phone or video call.

During the session, Kuya Jun may help you:

Organize your concern
Identify useful evidence
Create a short timeline
Understand possible reporting options
Prepare information for possible filing

The fixed contribution for this service is 1,000 pesos, one time only. It is not a subscription.

This service does not include:

Legal advice
Legal representation
Financial advice
Therapy or mental health treatment
Guaranteed complaint approval
Guaranteed agency action
Guaranteed debt deletion
Guaranteed CIC correction
Guaranteed stopping of harassment

You are responsible for reviewing and submitting accurate information to any agency or platform.

9. Peer Support Community

Usapang Utang PH may offer a private peer support community for borrower education, loan scam awareness, and emotional support through shared experiences.

The community is intended to help users feel less alone, learn from others, and avoid scams or harmful decisions.

However, the community is not:

A law firm
A mental health clinic
A crisis hotline
A lending service
A debt removal service
A guaranteed complaint support service

If you feel unsafe, at risk of self-harm, or in immediate danger, please contact trusted people near you, local emergency services, or qualified mental health professionals.

10. Cookies and Analytics

Usapangutang.com may use cookies, analytics tools, or similar technologies to:

Improve website performance
Understand which pages are useful
Improve content and user experience
Protect the website from spam, abuse, or security threats

You may adjust your browser settings to block or delete cookies. Some website features may not work properly if cookies are disabled.

11. Data Retention

We keep personal information only for as long as necessary for the purpose it was collected, including:

Responding to your inquiry
Providing one-on-one guided filing assistance
Maintaining booking and payment records
Managing community safety
Complying with legal, accounting, or reporting obligations
Preventing fraud, abuse, impersonation, or scams

When information is no longer needed, we may delete, anonymize, or securely archive it.

Because complaint-related concerns may require evidence and timelines, we may retain limited records when necessary for documentation, dispute handling, safety, or legal purposes.

12. Data Security

We take reasonable steps to protect your information from unauthorized access, misuse, loss, alteration, or disclosure.

These steps may include:

Limiting access to necessary persons only
Using password-protected accounts
Avoiding collection of unnecessary sensitive data
Encouraging users to blur or hide sensitive details
Using secure platforms where available
Monitoring for impersonation or misuse

However, no online system is 100% secure. You are responsible for protecting your own passwords, OTPs, devices, and accounts.

13. Your Rights as a Data Subject

Under the Data Privacy Act, data subjects have rights over their personal information. The NPC explains that Personal Information Controllers and Processors must adhere to privacy principles, uphold data subject rights, and implement security measures. (National Privacy Commission)

Subject to applicable law, you may have the right to:

Be informed about how your data is processed
Access your personal information
Request correction of inaccurate information
Object to certain processing
Withdraw consent where processing is based on consent
Request deletion or blocking of personal information when allowed by law
File a complaint with the National Privacy Commission
Be compensated for damages when applicable under the law
Data portability when applicable

To exercise your rights, contact us using the details below.

14. Children’s Privacy

Our content is intended for adults or users who are legally capable of understanding loan, debt, and financial-related concerns.

We do not knowingly collect personal information from children. If a minor contacts us, we may limit our response and recommend seeking help from a parent, guardian, or proper authority.

15. Third-Party Links

Our website or social media posts may contain links to third-party websites, agencies, platforms, videos, forms, payment channels, or resources.

We are not responsible for the privacy practices, content, security, or accuracy of third-party websites or platforms. Please review their privacy policies before submitting information.

16. Impersonation Warning

Only trust official Usapang Utang PH channels.

Be careful of people pretending to be Kuya Jun, Usapang Utang PH, or Usapangutang.com.

We will never ask for:

OTPs
Passwords
PINs
Full bank login details
Wallet access
Full ID details through random messages
Loan payments on behalf of lenders

If someone claims to represent us and asks for suspicious payments or sensitive information, report it to our official channel.

17. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, website, community, legal requirements, or data handling practices.

The updated version will be posted on Usapangutang.com with a revised effective date.

18. Contact Us

For privacy-related questions, requests, or concerns, contact us at:

Usapang Utang PH
Website: Usapangutang.com
Email: jun.usapangutangph@gmail.com
TikTok: https://tiktok.com/usapangutangph
Facebook: https://www.facebook.com/usapangutangph
YouTube: https://www.youtube.com/@usapangutangph

For concerns involving your legal rights under the Data Privacy Act, you may also contact or file a complaint with the National Privacy Commission through its official channels.