Privacy Policy

Esperanza Loyola Finance Corporation (ELFC), operating under the brand name Arteyo, is dedicated to safeguarding individuals' privacy rights in compliance with the Data Privacy Act of 2012 (DPA) and its Implementing Rules and Regulations (IRR).

Transparency, Legitimate Purpose and Proportionality

ELFC abides by the DPA's core principles. We shall ensure our clients and employees understand the nature, purpose, and scope of personal data processing. We will keep your information private and confidential and use it only with your permission and to carry out any agreements we may have with you.

Access to your information will be limited to authorized personnel and accredited third-party partners. We will not request data that is unnecessary for our engagement.

Transaction	Information Collected	Purpose
Inquiry about our products and services	Personal details and location	To contact and communicate with you
Availment of products and services	Personal details, location and sensitive personal information	Evaluate eligibility and validate information
Enter into an agreement	Personal, location and sensitive information	Fulfill contract and verify data
Provide feedback	Personal, location and sensitive information	Resolve concerns through communication

Data is retained during the term of your agreement with ELFC and up to five (5) years after closure. In cases of AMLA, retention is extended until resolution. At the end of this period, your documents will either be returned or securely destroyed.

Security Measures

ELFC applies organizational, technical, and physical safeguards to ensure protection from loss, fraud, and unauthorized access. In the event of a data breach, affected individuals will be notified within 48 hours.

Your Rights as the Data Subject

Rights	Description
Right to be Informed	Know why, how, and until when your personal data is used.
Right to Access	View your personal data being processed.
Right to Object	Refuse consent unless legally required or contractually necessary.
Right to Erasure or Blocking	Withdraw consent or request removal of your data.
Right to Damages and File a Complaint	Claim damages or lodge formal complaints.
Right to Rectification	Correct any errors in your data.
Right to Data Portability	Request electronic copies of your data.

Third Party Privacy Policy

We collect data of your phone, such as Contacts, Calendar, Registered Accounts which might include Social Accounts, Storage Information, and Installed Applications to provide a segmented risk profile, generate an aggregated statistical information to assess your creditworthiness, better evaluate your loan application and calculate a more accurate credit score. To protect your identity, we remove all personal identifiers (if any) and pseudonymised such information. Any metadata processed in this way cannot be used to reproduce the original data collected. Collected data is shared with Credolab Pte Ltd

Inquiries or Complaints

If you have any questions, complaints, or concerns about how we process your personal information, please contact:

Data Protection Officer

Email: dpo@arteyo.com

Esperanza Loyola Finance Corporation (ELFC), operating under the brand name Arteyo, is a technology driven finance leasing company that helps you get on the road faster with easy, flexible motorcycle lease plans.

Connect With Us

+639171564589

help@arteyo.com