Privacy Policy

Last updated: July 16, 2026

1. Who this covers

This policy applies to Lenders who create an account and Borrowers who receive a guest link from a Lender. Borrowers do not create an account — the loan details a Lender enters are shown to them via a private, unguessable link.

2. What we collect

From	Data
Lender	Name, email, password (handled by Firebase Authentication — we never see or store your raw password), optional GCash/Maya/bank details you choose to show borrowers.
Lender, about a loan	Borrower's name, email, and optionally phone number; loan amount, reason, interest, and repayment schedule.
Borrower, via guest link	A drawn signature image; a payment-proof screenshot when marking a loan as paid; a photo of a valid ID, only if the Lender is on a plan where that is required.

3. Why we collect it

To operate the core Service — tracking loans, generating the promissory note, and showing a Borrower their balance.
To send email reminders and confirmations to Lenders and Borrowers.
To let a Lender verify a payment (via the uploaded proof screenshot) and, where enabled, verify a Borrower's identity before they sign.
To contact a Lender about their own account or support request.

We do not sell personal data, and we do not use it for advertising.

4. Who we share it with

We use the following third-party services to run SingilinMO! — each only receives the data needed to perform its function:

Service	Purpose
Firebase (Google)	Account login and the app's database (loan records, activity history).
Cloudinary	Stores uploaded images — signatures, payment-proof screenshots, and ID photos.
Resend / Gmail	Delivers transactional emails (reminders, confirmations, the guest link itself).
Vercel	Hosts the website and backend functions.

We do not share personal data with any other third party, except where required by law.

5. Valid ID photos

A Borrower's ID photo is only collected when a Lender's plan requires it before signing, and is visible only to that Borrower's own Lender — never to other Lenders, and never used for any purpose beyond verifying that signature.

6. How long we keep data

We keep a loan record for as long as it exists in your account. Deleting a loan removes it from the app immediately. Account deletion isn't yet self-service — contact us at the email below to request it, and we'll remove your account and its associated loan records. Some data may persist briefly afterward in backups or logs for security and fraud-prevention purposes before being purged.

7. Your rights

Lenders can view, edit, or delete their loan records directly in the app. To request deletion of your account and associated data, contact support@singilinmo.com. Borrowers who want a Lender's record of them removed should contact that Lender directly, or reach us at the same address.

8. Security

Access to loan data is restricted to the owning Lender's authenticated account; Borrower guest links use an unguessable token rather than a password. No method of storage or transmission is 100% secure, but we take reasonable steps to protect your data.

9. Children

SingilinMO! is not directed at children, and we do not knowingly collect data from anyone under 18.

10. Changes to this policy

We may update this policy as the Service evolves. Material changes will be reflected by updating the date above.

11. Contact

Questions about this policy, or to exercise a data request: support@singilinmo.com, operated by SingilinMO!.