Privacy Policy

1. Who we are

SILVERSEVEN INTERNATIONAL LLC ("we", "us") operates Mopeso and is responsible for the personal information described in this policy. This policy covers the Mopeso iOS app and our website at silversevenltd.com.

Mopeso is a personal financial assessment and planning tool for users in the Philippines. Its estimates use information you enter, not credit bureau records. It does not offer or arrange loans, process loan applications, approve credit or disburse funds.

2. Information processed on your device

Financial assessments use your monthly net income, recent income history, essential expenses, existing debt repayments, repayment history category, income continuity and available reserves. Assessment inputs and results are calculated and saved on your device; the assessment feature does not send them to our servers or a credit bureau.

Monthly plans, scenario comparisons and financial goals are also stored locally. Some local records may be included in device backups depending on your settings. Profile verification is a separate feature and sends the information described below to our service.

3. Information sent to our service

• Account access: your mobile number, verification code and authentication information, including a password when you set one, to register, sign in and manage your account.
• Profile verification: information you provide, including marital status, education, occupation, income range, employment duration, work province/city/district and email. You may also provide an employer phone number, backup phone number, Viber or Facebook contact.
• Identity documents: a document image, document type and number, name, gender and date of birth when you use profile verification. When you select "Upload & submit", the image is uploaded before the identity details; if submission is interrupted, our service may already have received the image. These details support identity and profile verification, not a lending decision.
• Support: messages, feedback categories and attachments you choose to send, to respond to questions and investigate issues.
• Service and device information: account ID, app version and country setting, Apple's vendor identifier (IDFV), and an AppsFlyer identifier when available. Servers also receive network information such as your IP address when you connect. These support service operation, account security and attribution.

4. Permissions and your choices

The camera lets you photograph an identity document. Photo pickers let you select a document image or support attachment. You can manage camera access, and photo access where requested, in iOS Settings. Denying access prevents the related capture or selection function.

Verification codes can be filled using iOS's system autofill. Mopeso does not read your SMS inbox, contacts, call history or GPS location, and does not perform a separate selfie or facial recognition check.

We process information to provide the features you request, maintain accounts, address support requests and protect the service. Where consent is required, including for sensitive identity information, we seek it before the relevant processing. You can withdraw consent by contacting us; this may limit a feature that needs that information.

5. Service providers and sharing

Information submitted through account, verification and support features is processed by our backend service and service providers needed to deliver those functions. It is not sent to a credit bureau by the app.

Mopeso integrates AppsFlyer for app attribution when enabled. AppsFlyer processes app interaction, device and attribution information to help identify how users reach the app. The integration disables advertising identifier collection. See AppsFlyer's Services Privacy Policy for its processing practices.

We may disclose information where required by law or necessary to protect legal rights and the security of the service. Service providers may process information outside the Philippines; applicable data protection requirements and safeguards apply to such processing. Contact us for information about the handling of your data.

6. Retention and security

You can remove local assessment and planning records using the app's controls. Signing out or session expiry also clears your saved assessment and unsubmitted profile draft; saved plans, scenarios and goals remain until deleted. Unsubmitted profile drafts expire 24 hours after the last save and are also cleared on submission. Clearing a draft does not delete information already uploaded to our service.

Account, submitted verification and support information is retained for as long as needed for its stated purpose, account administration and applicable legal obligations. On a deletion request, we assess what can be removed and explain any information that must be retained and why.

App requests to our backend use HTTPS. Account credentials and certain local records use iOS Keychain storage. No storage or transmission method is completely secure; protect your device and do not share passwords or verification codes.

7. Your rights and deletion requests

Under applicable law, including the Philippine Data Privacy Act of 2012, you may request access to or correction of your information, object to processing, withdraw consent, and request deletion or blocking and data portability where applicable.

• Local records: go to Account → Local data → Delete all local data to remove saved assessments, monthly plans, scenarios and goals for your account from this device.
• Account and server data: email devtech@silversevenltd.com to request deletion of your account or submitted personal information. Local deletion and signing out do not delete your account or previously uploaded verification records.

We may need to verify your identity before acting on a request. Please describe your request without sending passwords, verification codes or identity document images by email. If you have an unresolved privacy concern, you may contact the Philippine National Privacy Commission.

8. Website, age and policy updates

This website provides product and support information. Its pages do not use advertising cookies or analytics scripts. Contacting us by email shares the information you include in your message; hosting services may process routine connection logs.

Mopeso is intended for adults aged 18 and over. If you believe a child has provided personal information, contact us so we can review and address it.

We will publish policy changes on this page with an updated date and provide any additional notice or consent required by applicable law.

9. Contact

For privacy questions or to exercise your rights, contact SILVERSEVEN INTERNATIONAL LLC at devtech@silversevenltd.com.