Fuse Financing Inc.
Privacy Notice
Fuse Financing Inc. (“Fuse”) takes your privacy very seriously. We protect your personal data and use it in a fair, lawful, and secure way. We follow international standards and the laws of the Philippines, including the Data Privacy Act, in handling your personal information. This privacy notice tells you how we collect, use, share, keep, delete, and protect your information, as well as how you can control what happens to it.
Fuse is a financing company whose loan products and services are available in our partner platforms, like GCash. We provide access to several credit options to eligible customers:
- Cash Loan: Cash loans that eligible users may use to buy goods and services. Through GLoan, customers can immediately receive the loaned amount directly through their GCash mobile wallet.
- Buy Now, Pay Later: Loans that let eligible customers buy goods and services from partner merchants, including almost all scan-to-pay online and GLife merchants of GCash, repayable in installments.
- Borrow Load: Options to buy prepaid or broadband load, repayable within 30 days via the Buy Load feature of the partner platform, GCash.
- Loan Management: Loan management services provided to other financial institutions through our loan management systems, including collection of loan payments, tracking of payments and balances, reminders, updating disclosure statements, and submitting regular reports.
Fuse acts as a personal information controller for your personal data when you use our credit products and financial services. A personal information controller decides why and how personal data is used. Delivering our products may involve a series of steps where we work alongside other companies. For specific activities within this broader process—such as facilitating loan repayment—both Fuse and our partner may act as personal information controllers. In these instances, our partners are responsible for their own data practices for their specific roles, and we do not direct how they manage their internal processing.
When this Privacy Notice says “we,” “us,” or “our,” we mean Fuse.
We keep your personal data for at least five (5) years after the last transaction you made or after you close your account. We will keep this information for as long as we are required by anti-money laundering requirements, for compliance with regulations, and for other legal obligations. Your loan contract data is kept for ten (10) years to fulfill our legal obligations and handle any potential future claims.
If your information is relevant to an investigation, legal case, complaint, claim, or court order, we may keep the information for up to ten (10) years after the matter is completed or resolved, or for as long as the law or a court order requires.
We collect personal data through several channels and interactions:
- Direct Interactions: When you avail of our loan products and services through our partner platforms, we may still directly collect additional personal data from you. This also happens when you become one of our merchants or partners, visit our trade activation booths, fill up our forms physically or through online platforms, contact us for assistance, and others.
- Via Our Partner Platforms: When you avail of our loan products and services through our partner platforms, you instruct them to disclose your personal data to us. This includes your KYC information and other additional data that may be considered in determining your suitability and eligibility for our products and services, such as your transaction history.
- Via Our Website or Trade Events: We collect data when you interact with us on our website or when you participate in our contests and events.
- From Partners and Affiliates: Received from corporate entities, such as your company's human resources department, if they offer our loan products as employee benefits.
- From Friends or Family Members:
We may reach out to the emergency contacts you provided, but we will only ask them for your updated contact details or where to find you. We may also receive your data if a friend or family member refers you to Fuse, or if they name you as their own emergency contact. In some cases, we may visit the home address you gave us to confirm where you live. While there, we may ask the people at your address for your current contact information.
Fuse will never share your specific loan details with anyone else unless you give them clear permission to act for you. We always take careful steps to check that they really have your permission before we share anything.
- From Other Third-Parties: For instance, we receive or send your personal data when you exercise your right to data portability (that is, your right to move, copy or transfer your personal data from one company to another).
- Through Various Channels: This includes forms, and app pages managed by us or our service providers. For instance, when you buy a product from a partner's website and select our loan product as your payment method, we collect your data to process the payment.
- From Public Social Media Profiles: We may collect your personal data from publicly available sources. However, we will only look for your social media accounts if we cannot reach you using the contact details you gave us. When doing so, we protect your privacy. Fuse will never share your specific loan details with anyone online unless you give them clear permission to act for you. We always take careful steps to check that they really have your permission before we share anything.
We securely share and collect personal data with trusted parties only when allowed by law or based on your clear instruction or consent:
We collaborate with various institutions, billers, outlets, and others to provide a wide range of loan products and services. On occasion, we also securely share and collect your personal data with these parties to provide the loan products and services you asked for:
- Fuse Affiliates: As part of our business and operations we may work with different companies affiliated with us. For example, you can avail of our loan products and services through our partner platforms and affiliates like G-Xchange, Inc. (GXI).
- Financial Institutions and Loan Investing/Purchasing Companies: To consistently provide you with high-quality loan products and services we may share your personal data with other financial institutions and loan investing/purchasing companies. For instance, as part of our efforts to manage our business, we may sell or assign our loan accounts and assets, which may involve the sharing and transfer of your personal data with other trusted partner financial institutions.
- Credit Bureaus and Credit Investigation Agencies: To deliver our loan products and services, confirm identities, evaluate creditworthiness, manage risks, prevent fraud and crime, and more, we may share your personal data to our credit investigation agencies and partner credit bureaus. We are also required to submit basic credit data to the Credit Information Corporation under Republic Act No. 9510.
- Partners: We may collaborate with different institutions, merchants, billers, outlets, and others to offer you a broad range of loan products and services and to reach more potential borrowers. For example, if you participate in a promotion with our partners, we may share your personal information, promo subscription, and redemption records with them.
- Service Providers acting on our behalf: We also share your personal data with trusted service providers who assist us in making our loan products and services seamless and efficient. They help us in various ways, such as loan management, loan collection, payment processing and reminders, answering your questions, addressing your customer concerns, analyzing data, managing risk, preventing fraud, preparing reports, and more. They play a big role in making sure that our loan products and services run smoothly for you.
To ensure our records remain accurate and to facilitate communication regarding your account, we may employ third-party service providers to verify your contact details. These measures may include physical home visits at your provided addresses and the review of public digital profiles and social media accounts to re-establish contact if standard communication channels fail.
Our service providers may process your personal data only for the purposes we allow. They are required by contract to protect your data, keep it confidential, and follow our security requirements. Some of our service providers may store or process data outside the Philippines. When this happens, we use safeguards required by law.
For security reasons, we may not publish the full list of our service providers. As a data subject, you may request more information on how we process your data. Please see the “How can you exercise your data privacy rights?” section of this Privacy Notice.
- Fraud and Crime Prevention Partners: We are dedicated to protecting you and the other users of our loan products and services from fraud and other crimes. By sharing some of your personal data, we contribute to a safer and more transparent financial ecosystem. This protects you and the broader financial community.
- Law Enforcement Agencies, Regulatory Bodies, and Courts: We may share your personal data with law enforcement agencies, regulatory bodies, courts, and other public authorities. We will only do this if required by law, when needed to protect our rights, when needed to prevent fraud, and ensure the safety of the users of our loan products and services and the public. These may include the Anti-Money Laundering Council, the Securities and Exchange Commission, the Credit Information Corporation, the National Bureau of Investigation, the Philippine National Police, courts, and other similar authorities.
- Changes within Fuse: If Fuse or any part of our business is merged, sold, reorganized, or transferred to another company, we may need to share or transfer personal data as part of that change. This may include sharing limited personal data with potential or actual buyers, investors, or professional advisors when needed to review, negotiate, or complete the change, subject to appropriate confidentiality and security safeguards. If this happens, we will tell you when required by law and explain any important changes to how your personal data will be handled.
We securely delete, destroy, anonymize, or make your personal data unreadable when we no longer need it, or when no longer required or allowed by law to keep it. We use security measures that are standard in our industry.
For physical records, we destroy them by shredding. For electronic records, such as files stored on devices, drives, or other electronic media, we use secure deletion or wiping tools so the data cannot be read or used without authorization.
Philippine privacy and data protection laws allow cross-border transfers when proper safeguards are in place. We may store or process your personal data through cloud service providers, service providers, Fuse affiliates, or partners whose systems or centers may be located outside of the Philippines.
We may also share or disclose your personal data to authorized partners outside of the Philippines when allowed by law, needed for the service you choose, covered by the relevant terms or notice, or based on your instruction or consent.
While we do not publish the exact location of our systems or data centers for security reasons, as a data subject, you may request more information on where we transfer your data. Please see the “How can you exercise your data privacy rights?” section of this Privacy Notice.
When we transfer or process data outside the Philippines, we use safeguards such as contracts, access controls, security measures, and confidentiality requirements to help keep your personal data protected.
To keep you updated with our latest loan offers and features, we use some of your information for advertising. We may utilize any one or combination of the following ways to do it:
- Data Collection and Profiling: We collect and analyze data limited to what is needed for these activities, such as your loan account details, demographic data, and transaction indicators, as well as data from our partner platforms such as app activity, preference signals, contextual data, inferred or derived data, and advertising identifiers. We use this to understand your interests, suggest relevant services, improve your experience, and help make sure content is suitable and age-appropriate. Where sensitive personal information is used for marketing, we will ask for your specific consent unless another lawful basis under the Data Privacy Act clearly applies.
- Targeted Ads: Instead of displaying identical content to everyone, we use your profile or segment to deliver ads, offers, and promos that may match your interests, location, service use, or preferences. This helps keep your experience relevant and helps filter out unavailable or unsuitable content. Where allowed by law and based on your settings or consent, when required, we may also show or support Fuse-related ads on approved channels outside the GCash App, such as social media platforms, search engines, or other digital service.
- Collaboration: To deliver, measure, and improve our marketing campaigns, we may work with advertising companies, ad technology platforms, media agencies, partner brands, social media platforms, search engines, and other digital platforms. Where allowed by law and based on your choices or consent, we may share data limited to what is needed for these activities, such as advertising identifiers and hashed contact details. Our partners are required by contract to protect your data, keep it confidential, and comply with applicable data protection laws.
- Manage what you receive: You can manage the channels where you receive promos, exclusive offers, and limited deals. For example, you may turn off promo messages through email or SMS. You can also use Privacy Choices or the relevant app settings to manage marketing communications, partner offers, and available sharing choices. For ads outside the GCash App, you can use your phone settings to control how your advertising ID is used or to limit personalized ads, depending on your device. Essential non-marketing messages, such as security alerts, service notices, transaction updates, and legal or account-related messages, are not covered by these marketing settings and may still be sent to you.
We may use automated processing or decision-support tools. This means we may use computer systems, rules, models, or similar tools to help us review data, detect risks, check eligibility or suitability, improve services, personalize your experience, or protect your account.
These tools may use personal data such as:
- information you give us when you sign up, such as KYC and basic profile information;
- information from your use of the GCash App and GCash Services, such as transaction indicators, app usage, account limits, repayment behavior, and service-use patterns;
- information we receive from authorities, partners, or other allowed sources, such as fraud, crime prevention, or security information; and
- inferred or derived information, such as risk flags, eligibility flags, preference indicators, or customer segments.
We may use these tools to assess whether you may be eligible or suitable for Fuse loan and credit products and services, such as GLoan, GGives, Borrow Load, and GCredit. We may also use them to prevent fraud and other crimes, protect users, comply with regulations, and improve Fuse products and services.
Where automated processing is the sole basis for a decision that may significantly affect you, we will provide the notice, rights, and safeguards required by law.
Fuse may use artificial intelligence or machine learning, also called AI/ML, to help improve our products and protect our users.
We may use AI/ML for the following purposes:
- Protection and security: We may use AI/ML to detect scams, unauthorized access, suspicious activity, fraud, and money laundering risks. These tools help us protect users, block harmful activity, and comply with legal and regulatory rules. Because this processing is needed for safety and compliance, it cannot be turned off.
- Efficiency and experience: We may use AI/ML tools, such as automated assistants, to answer questions faster, improve customer support, and reduce errors. We will tell you when you are directly interacting with an AI system, where required or appropriate.
- Eligibility, suitability, and transaction patterns: We may use AI/ML to help understand transaction patterns, service use, and risk or eligibility signals. This helps us check whether certain Fuse products may be relevant, suitable, or available to you.
- Model training and improvement: We may use data to train, test, and improve our AI/ML models. This may include transaction indicators, app activity, service-use patterns, feedback, preferences, and other data explained in this Privacy Notice. Where possible, we use aggregated, de-identified, minimized, or synthetic data. We also review our models to help keep them accurate, secure, and fair, and to reduce errors or unfair bias.
Some AI/ML uses are needed to keep the GCash App safe, secure, and compliant with law. These cannot be turned off. Other uses, such as marketing, ads, or personalization, may depend on your choices or consent where required.
We design and review our AI/ML use to support transparency, security, fairness, accountability, and privacy. Where practical, we use safeguards such as access controls, testing, monitoring, human review, and privacy-enhancing techniques. These may include using aggregated, de-identified, minimized, or synthetic data to reduce privacy risk.
We use human review where required or appropriate. You may use the privacy settings or Privacy Choices feature in the GCash App to manage certain privacy and marketing choices.
Your trust and privacy are important to us. We use safeguards to help keep your personal data safe when it is collected, used, shared, stored, or sent.
There can be risks when you create a profile or use a digital platform. Someone may try to take control of your account (account takeover), trick you into giving away your personal data (social engineering), or access your phone without your permission (hacking). We use security measures to help protect your data from loss, misuse, unauthorized access, or other harmful activity.
These security measures include:
- Restricting access: Only authorized people, systems, or companies may access your personal data when they need it for an allowed purpose.
- Encryption: We use encryption to help protect your personal data when it is stored or sent. Encryption turns information into a secret code that can only be read by someone with the right key.
We make sure as well that our partner platforms employ industry standard security measures, such as:
- Multi-factor authentication (MFA): Our partner platform, the GCash App uses MFA. This means you may need more than one step before you can access your account or use certain features. For example, you may need to use a one-time password or OTP, enter your Mobile PIN or MPIN, or complete a selfie scan. We may also use biometric login where available.
We also check how data moves into and out of our systems to help keep it protected. We use organizational, physical, and technical security measures aligned with recognized industry standards.
When service providers or partners process personal data in connection with a Fuse product, we require them to protect your data and follow our privacy and security requirements. Fuse affiliates must also follow the security and privacy rules that apply to their services and data use.
You also play an important role in keeping your account safe. Never share your MPIN or OTP. Tell us right away if you think your account, password, MPIN, or OTP has been compromised. For more information on protecting your GCash Account, visit the Help Center.
We may also use privacy-enhancing technologies or PETs. These are tools that help us improve our services while reducing the use of real personal data. For example, we may use synthetic data. Synthetic data is sample data made by computer systems. It can show patterns similar to real customer data, but it does not contain actual personal data. This helps us test systems, study trends, and build new features with less privacy risk. We may also process your personal information to create fully anonymized and aggregated datasets. This process removes all identifiable characteristics so that the resulting data can no longer be linked back to you.
We use PETs where practical and appropriate. Not all data processing can be done this way, but we use these tools when they help protect your privacy and keep your data safe.
You have rights under the law. These rights may be subject to legal limits. For example, we may need to keep some data to follow the law, prevent fraud, protect users, or resolve disputes. Your rights include:
- Right to be informed: You can be told how we collect, use, share, keep, and protect your personal data.
- Right to access: You can ask for a copy of the personal data we have about you.
- Right to rectify: You can ask us to correct mistakes or errors in your personal data.
- Right to object: You can object to certain uses of your personal data, such as processing based on consent or legitimate interest, when allowed by law.
- Right to withdraw consent: If we rely on your consent to process your personal data, you can withdraw your consent. This will not affect processing done before you withdrew consent, or processing we must continue under law or for a service you requested.
- Right to erasure or blocking: You can ask us to delete, block, or stop using your personal data when allowed by law.
- Right to data portability: You can ask for a copy of your personal data in an electronic format. You may also ask us to port or send your data to another company when allowed by law.
- Right to file a complaint: You can file a complaint with the National Privacy Commission if you believe your privacy rights were violated.
- Right to damages: You may claim compensation if your privacy rights were violated and you suffered damage.
For more information about your privacy rights, you can visit the National Privacy Commission’s website to look at resources about the Rights of Data Subjects.
We handle all eligible privacy requests unless legal grounds exist preventing us from doing so. For security, we may require identity verification checks before fulfilling any structural request. You may contact our Data Protection Officer directly via email at fuse.dataprivacy@mynt.xyz or speak with Customer Care via phone at 2882.
We apply a structured, layered notification model. We communicate the details of our processing activities in the various loan product Terms and Conditions, supplement them with this Privacy Notice, provide brief "Privacy at a Glance" modular breakdowns, and present just-in-time disclosure approval prompts or data porting screens directly when you apply for loan products in our partner platform, the GCash app.
We periodically update this notice to provide you with the most recent information on how we protect your personal data. Our goal is to keep up with the latest rules about data privacy and advancements in security technologies. We recommend that you visit this page often to stay informed of any updates we make.
Effective Date: 15 June 2026
