At
Happycash, we recognize that data privacy is not only a legal obligation—it is
a core pillar of customer trust and long-term success. In line with this
belief, we have fully aligned our operations with the Data Privacy Act of
2012 and all regulations issued by the National Privacy Commission (NPC)
of the Philippines.

As a
registered Personal Information Controller (PIC) with the NPC, Happycash
adheres to the highest standards in the collection, processing, storage, and
protection of customer data. We treat our users’ personal information with the
utmost care—because safeguarding their privacy is central to how we do
business.

Happycash’s
data governance framework is designed to meet and exceed the requirements set
by the NPC. Our approach includes:

Data Minimization:
 We collect only the data necessary to provide our services, avoiding
 excessive or irrelevant information requests.User Consent and
 Transparency: Our privacy policies clearly explain how data is used.
 We ensure users are fully informed and give explicit consent before any
 data processing.Security Measures:
 We employ robust security measures, such as strong encryption, access
 controls, and continuous monitoring to protect user information from
 unauthorized access and breaches.Data Subject Rights:
 We respect and uphold the rights of data subjects, including access,
 correction, and erasure of personal data.Ongoing Staff Training:
 All employees receive regular training on data privacy and NPC
 regulations, embedding a privacy-first mindset across our organization.

Happycash
not only complies with the law—we actively collaborate with the NPC to
strengthen our policies and ensure we’re ahead of evolving data protection
standards. We conduct regular privacy impact assessments, participate in NPC
consultations, and promptly address any inquiries from the Commission.

Our
compliance efforts are not just policies on paper. We’ve built privacy into our
product design and business workflows. From app permissions to cloud
infrastructure, every layer of Happycash is structured to minimize data risks
and maximize user trust.

As
digital finance grows in the Philippines, so does the responsibility to protect
user data. Happycash is proud to be a responsible steward of personal
information, and we will continue to invest in systems, people, and practices
that uphold the principles of transparency, accountability, and user
empowerment.

At
Happycash, we recognize that data privacy is not only a legal obligation—it is
a core pillar of customer trust and long-term success. In line with this
belief, we have fully aligned our operations with the Data Privacy Act of
2012 and all regulations issued by the National Privacy Commission (NPC)
of the Philippines.As a
registered Personal Information Controller (PIC) with the NPC, Happycash
adheres to the highest standards in the collection, processing, storage, and
protection of customer data. We treat our users’ personal information with the
utmost care—because safeguarding their privacy is central to how we do
business.Fully
Committed to NPC ComplianceHappycash’s
data governance framework is designed to meet and exceed the requirements set
by the NPC. Our approach includes:Data Minimization:
 We collect only the data necessary to provide our services, avoiding
 excessive or irrelevant information requests.User Consent and
 Transparency: Our privacy policies clearly explain how data is used.
 We ensure users are fully informed and give explicit consent before any
 data processing.Security Measures:
 We employ robust security measures, such as strong encryption, access
 controls, and continuous monitoring to protect user information from
 unauthorized access and breaches.Data Subject Rights:
 We respect and uphold the rights of data subjects, including access,
 correction, and erasure of personal data.Ongoing Staff Training:
 All employees receive regular training on data privacy and NPC
 regulations, embedding a privacy-first mindset across our organization.Proactive
Engagement with the NPCHappycash
not only complies with the law—we actively collaborate with the NPC to
strengthen our policies and ensure we’re ahead of evolving data protection
standards. We conduct regular privacy impact assessments, participate in NPC
consultations, and promptly address any inquiries from the Commission.Putting
Privacy into PracticeOur
compliance efforts are not just policies on paper. We’ve built privacy into our
product design and business workflows. From app permissions to cloud
infrastructure, every layer of Happycash is structured to minimize data risks
and maximize user trust.Looking
AheadAs
digital finance grows in the Philippines, so does the responsibility to protect
user data. Happycash is proud to be a responsible steward of personal
information, and we will continue to invest in systems, people, and practices
that uphold the principles of transparency, accountability, and user
empowerment.

Credit card / Loan

Protecting User Data at Every Step: Happycash’s Commitment to NPC Compliance and Responsible Data Practices

In
today’s fast-evolving digital lending landscape, transparency and
accountability are more critical than ever. At Happycash, we believe that
sustainable financial inclusion must be built on a foundation of trust and
regulatory compliance. That’s why we are proud to highlight our ongoing and
active collaboration with the Credit Information Corporation (CIC)—the
Philippines’ central credit registry. As both a submitting entity and an
accessing entity with the CIC, Happycash play a dual role in strengthening the
credit information ecosystem.

Since
our inception, Happycash has consistently reported loan data to CIC in
accordance with established guidelines. This partnership reflects our
commitment to building a responsible lending ecosystem that protects both
borrowers and lenders. By sharing accurate and timely credit data, we help
create a more robust financial infrastructure that empowers users while
reducing systemic risks. As an accessing entity, we also leverage the CIC
database to gain deeper insights into borrower creditworthiness, promoting
responsible lending decisions and risk mitigation. 

As a
government-mandated credit registry, CIC plays a vital role in enabling fair
access to credit. When lenders like Happycash report to CIC:

Borrowers benefit from
     having a verifiable credit history, helping them unlock better financial
     opportunities in the future.Lenders gain deeper
     insights into borrowers' creditworthiness, promoting responsible
     decision-making and risk mitigation.The entire ecosystem
     benefits from reduced fraud, lower default rates, and enhanced financial
     stability.

Happycash
has taken proactive steps to integrate CIC reporting into our operations:

Regular and timely
     submission of borrower credit data.Internal policies and staff
     training aligned with CIC standards.Continuous engagement with
     CIC for updates, clarifications, and audits to ensure full compliance.

We
view credit reporting not just as a regulatory requirement, but as a
responsibility to the people we serve. Our commitment extends beyond
compliance—we aim to be a model for ethical, data-driven lending in the fintech
sector.

As
the Philippines continues to strengthen its credit information ecosystem,
Happycash remains committed to supporting CIC’s mission and aligning our
practices with the highest regulatory standards. We believe that transparency
is key to building long-term relationships with our users and earning the trust
of regulators, partners, and stakeholders.

In
today’s fast-evolving digital lending landscape, transparency and
accountability are more critical than ever. At Happycash, we believe that
sustainable financial inclusion must be built on a foundation of trust and
regulatory compliance. That’s why we are proud to highlight our ongoing and
active collaboration with the Credit Information Corporation (CIC)—the
Philippines’ central credit registry. As both a submitting entity and an
accessing entity with the CIC, Happycash play a dual role in strengthening the
credit information ecosystem. Since
our inception, Happycash has consistently reported loan data to CIC in
accordance with established guidelines. This partnership reflects our
commitment to building a responsible lending ecosystem that protects both
borrowers and lenders. By sharing accurate and timely credit data, we help
create a more robust financial infrastructure that empowers users while
reducing systemic risks. As an accessing entity, we also leverage the CIC
database to gain deeper insights into borrower creditworthiness, promoting
responsible lending decisions and risk mitigation. Why
CIC Reporting MattersAs a
government-mandated credit registry, CIC plays a vital role in enabling fair
access to credit. When lenders like Happycash report to CIC:Borrowers benefit from
 having a verifiable credit history, helping them unlock better financial
 opportunities in the future.Lenders gain deeper
 insights into borrowers' creditworthiness, promoting responsible
 decision-making and risk mitigation.The entire ecosystem
 benefits from reduced fraud, lower default rates, and enhanced financial
 stability.Our
Compliance JourneyHappycash
has taken proactive steps to integrate CIC reporting into our operations:Regular and timely
 submission of borrower credit data.Internal policies and staff
 training aligned with CIC standards.Continuous engagement with
 CIC for updates, clarifications, and audits to ensure full compliance.We
view credit reporting not just as a regulatory requirement, but as a
responsibility to the people we serve. Our commitment extends beyond
compliance—we aim to be a model for ethical, data-driven lending in the fintech
sector.Looking
AheadAs
the Philippines continues to strengthen its credit information ecosystem,
Happycash remains committed to supporting CIC’s mission and aligning our
practices with the highest regulatory standards. We believe that transparency
is key to building long-term relationships with our users and earning the trust
of regulators, partners, and stakeholders.

Internet service

Strengthening Trust through Transparency: Happycash’s Ongoing Collaboration with CIC for Credit Reporting Compliance

In the fast-growing world of digital lending, where speed and scale often take center stage, Happycash is setting itself apart by focusing on something more fundamental: consumer protection and responsible lending.

Yinshan Lending Inc. operating under the name of Happycash is a licensed lending company regulated by the Philippine Securities and Exchange Commission (with SEC Registration No. CS2019100108 and Certificate of Authority No. 2860), Happycash anchors its innovation on strong ethical principles and compliance. For Happycash, responsible lending isn’t just about avoiding problems- it’s about building long-term trust with users.&nbsp;

TRANSPARENCY AS A PROMISE, NOT A FEATURE

One of the biggest challenges in digital lending today is the lack of transparency. Hidden fees, unclear terms, and misleading marketing have eroded public trust in the&nbsp;industry. In response, Happycash maintain its commitment to transparency in accordance with the Truth in Lending Act (Republic Act No. 3765) by ensuring full disclosure of all fees, interest rates, and loan conditions before users’ commitment and disbursement. 

As a testament to the commitment of Happycash, its customer can easily preview repayment schedules, understand total cost upfront, and engage with the dedicated customer service department trained to uphold financial literacy and borrower rights. According to Winchel, Happycash’s Compliance Officer, “We make sure our users fully understand the loan they’re taking-no fine print tricks, no hidden charges.”

COMPLIANCE AND CONSUMER RIGHTS AT THE CORE

At its core, Happycash rigorously adheres to key consumer protection laws, including:

• The&nbsp;Truth&nbsp;in&nbsp;Lending&nbsp;Act&nbsp;(RA&nbsp;3765) 

• The&nbsp;Data&nbsp;Privacy&nbsp;Act&nbsp;(RA&nbsp;10173) 

• The&nbsp;Financial&nbsp;Products&nbsp;and&nbsp;Services&nbsp;Consumer&nbsp;Protection&nbsp;Act&nbsp;(RA&nbsp;11765) 

• SEC Memorandum Circular No. 18, Series of 2019

• BSP Circular No. 1133, series of 2021

The laws and regulations guide comprehensive internal policies that protect borrowers through fair collection practices and robust data handling. These ensures that borrowers are treated with respect and fairness. 

ETHICAL COLLECTIIONS AND EMPATHETIC SERVICE

In response to the growing concerns over unfair debt collection practices within the industry, Happycash is firmly committed to upholding fair and ethical collections. 

Happycash&nbsp;takes&nbsp;special&nbsp;care&nbsp;in&nbsp;training&nbsp;its&nbsp;collections&nbsp;team&nbsp;to&nbsp;engage&nbsp;with&nbsp;users&nbsp;respectfully&nbsp;and&nbsp;professionally.&nbsp;No&nbsp;intimidation.&nbsp;No&nbsp;public&nbsp;shaming.&nbsp;All&nbsp;communications&nbsp;are&nbsp;conducted&nbsp;in&nbsp;line&nbsp;with&nbsp;SEC&nbsp;regulations&nbsp;and&nbsp;industry&nbsp;best&nbsp;practices, ensuring borrowers are treated with dignity and fairness. 

Taking a firm stand, Happycash explicitly does not tolerate any harassment or abusive behavior in debt collection. To support this commitment, borrowers have multiple channels-such as in-app chat, email, and hotline- to reprt any incidents of harassment, seek clarification, or resolve disputes promptly. Every complaint is meticulously logged and internally reviewed to maintain accountability and continuous improvement. 

By prioritizing respectful and transparent interactions, Happycash aims to restore trust and promote responsible lending. 

In the fast-growing world of digital lending, where speed and scale often take center stage, Happycash is setting itself apart by focusing on something more fundamental: consumer protection and responsible lending.Yinshan Lending Inc. operating under the name of Happycash is a licensed lending company regulated by the Philippine Securities and Exchange Commission (with SEC Registration No. CS2019100108 and Certificate of Authority No. 2860), Happycash anchors its innovation on strong ethical principles and compliance. For Happycash, responsible lending isn’t just about avoiding problems- it’s about building long-term trust with users.&nbsp;TRANSPARENCY AS A PROMISE, NOT A FEATUREOne of the biggest challenges in digital lending today is the lack of transparency. Hidden fees, unclear terms, and misleading marketing have eroded public trust in the&nbsp;industry. In response, Happycash maintain its commitment to transparency in accordance with the Truth in Lending Act (Republic Act No. 3765) by ensuring full disclosure of all fees, interest rates, and loan conditions before users’ commitment and disbursement. As a testament to the commitment of Happycash, its customer can easily preview repayment schedules, understand total cost upfront, and engage with the dedicated customer service department trained to uphold financial literacy and borrower rights. According to Winchel, Happycash’s Compliance Officer, “We make sure our users fully understand the loan they’re taking-no fine print tricks, no hidden charges.”COMPLIANCE AND CONSUMER RIGHTS AT THE COREAt its core, Happycash rigorously adheres to key consumer protection laws, including:• The&nbsp;Truth&nbsp;in&nbsp;Lending&nbsp;Act&nbsp;(RA&nbsp;3765) • The&nbsp;Data&nbsp;Privacy&nbsp;Act&nbsp;(RA&nbsp;10173) • The&nbsp;Financial&nbsp;Products&nbsp;and&nbsp;Services&nbsp;Consumer&nbsp;Protection&nbsp;Act&nbsp;(RA&nbsp;11765) • SEC Memorandum Circular No. 18, Series of 2019• BSP Circular No. 1133, series of 2021The laws and regulations guide comprehensive internal policies that protect borrowers through fair collection practices and robust data handling. These ensures that borrowers are treated with respect and fairness. ETHICAL COLLECTIIONS AND EMPATHETIC SERVICEIn response to the growing concerns over unfair debt collection practices within the industry, Happycash is firmly committed to upholding fair and ethical collections. Happycash&nbsp;takes&nbsp;special&nbsp;care&nbsp;in&nbsp;training&nbsp;its&nbsp;collections&nbsp;team&nbsp;to&nbsp;engage&nbsp;with&nbsp;users&nbsp;respectfully&nbsp;and&nbsp;professionally.&nbsp;No&nbsp;intimidation.&nbsp;No&nbsp;public&nbsp;shaming.&nbsp;All&nbsp;communications&nbsp;are&nbsp;conducted&nbsp;in&nbsp;line&nbsp;with&nbsp;SEC&nbsp;regulations&nbsp;and&nbsp;industry&nbsp;best&nbsp;practices, ensuring borrowers are treated with dignity and fairness. Taking a firm stand, Happycash explicitly does not tolerate any harassment or abusive behavior in debt collection. To support this commitment, borrowers have multiple channels-such as in-app chat, email, and hotline- to reprt any incidents of harassment, seek clarification, or resolve disputes promptly. Every complaint is meticulously logged and internally reviewed to maintain accountability and continuous improvement. By prioritizing respectful and transparent interactions, Happycash aims to restore trust and promote responsible lending.

Why Responsible Lending Matters: Happycash’s Commitment to Consumer Rights in Digital Finance

In today’s digital lending space, building a reliable and
inclusive financial system takes more than a strong product—it requires a
strong ecosystem. Happycash, one of the leading licensed digital lenders
in the Philippines, is doing just that through a series of thoughtful and
high-impact strategic partnerships.

From data intelligence to credit scoring, and from payments
to risk compliance, Happycash has aligned itself with some of the most trusted
players in fintech. These collaborations are not just technical
integrations—they are cornerstones of Happycash’s mission to serve underserved
Filipino borrowers in a safe, scalable, and efficient manner.

Alternative Data for Inclusive Credit Scoring

Traditional credit bureaus often leave out millions of
Filipinos who have never taken a formal loan. Happycash addresses this gap
through its partnership with FinScore, a pioneer in telco data-based
credit scoring in Southeast Asia, enables Happycash to assess
creditworthiness—even for borrowers with no previous credit record.

Risk Intelligence and Market Data Integration

Another key strategic ally is CRIF Philippines, a
globally recognized provider of credit data and risk analytics. Happycash
leverages CRIF’s deep market insights to fine-tune its risk models, perform
portfolio stress testing, and apply advanced segmentation techniques that align
credit offers with borrower repayment ability.

These tools enable Happycash to lend with confidence while
keeping default rates low and customer satisfaction high.

Frictionless Disbursement and Payment Solutions

Ensuring users receive their funds quickly—and can repay
conveniently—is essential in digital finance. Happycash partners with local
e-wallets, payment aggregators, and direct debit providers to provide
instant disbursement and one-click repayment options.

The result is a faster, more secure, and more user-friendly
lending experience, especially for users in remote or rural areas who may not
have access to traditional banking services.

A Network Built for Scale and Inclusion

With these partnerships, Happycash has been able to rapidly
scale operations while maintaining a deep focus on ethical lending and
operational excellence. More than just transactional alliances, these
relationships reflect a shared vision: to bring smart, safe, and sustainable
credit access to millions of Filipinos.

“We don’t believe in growing alone,” said Dannish, Head of
Strategy. “We grow by building a better ecosystem—one that listens to the
borrower, respects the law, and shares value across every partner involved.”

In today’s digital lending space, building a reliable and
inclusive financial system takes more than a strong product—it requires a
strong ecosystem. Happycash, one of the leading licensed digital lenders
in the Philippines, is doing just that through a series of thoughtful and
high-impact strategic partnerships.From data intelligence to credit scoring, and from payments
to risk compliance, Happycash has aligned itself with some of the most trusted
players in fintech. These collaborations are not just technical
integrations—they are cornerstones of Happycash’s mission to serve underserved
Filipino borrowers in a safe, scalable, and efficient manner.Alternative Data for Inclusive Credit ScoringTraditional credit bureaus often leave out millions of
Filipinos who have never taken a formal loan. Happycash addresses this gap
through its partnership with FinScore, a pioneer in telco data-based
credit scoring in Southeast Asia, enables Happycash to assess
creditworthiness—even for borrowers with no previous credit record.Risk Intelligence and Market Data IntegrationAnother key strategic ally is CRIF Philippines, a
globally recognized provider of credit data and risk analytics. Happycash
leverages CRIF’s deep market insights to fine-tune its risk models, perform
portfolio stress testing, and apply advanced segmentation techniques that align
credit offers with borrower repayment ability.These tools enable Happycash to lend with confidence while
keeping default rates low and customer satisfaction high.Frictionless Disbursement and Payment SolutionsEnsuring users receive their funds quickly—and can repay
conveniently—is essential in digital finance. Happycash partners with local
e-wallets, payment aggregators, and direct debit providers to provide
instant disbursement and one-click repayment options.The result is a faster, more secure, and more user-friendly
lending experience, especially for users in remote or rural areas who may not
have access to traditional banking services.A Network Built for Scale and InclusionWith these partnerships, Happycash has been able to rapidly
scale operations while maintaining a deep focus on ethical lending and
operational excellence. More than just transactional alliances, these
relationships reflect a shared vision: to bring smart, safe, and sustainable
credit access to millions of Filipinos.“We don’t believe in growing alone,” said Dannish, Head of
Strategy. “We grow by building a better ecosystem—one that listens to the
borrower, respects the law, and shares value across every partner involved.”

Banks / Credit unions

Powering Inclusive Finance: How Happycash Builds a Strong Fintech Ecosystem through Strategic Partnerships

In
an era where digital lending is rapidly expanding in the Philippines, HappyCash
stands out as a platform committed not only to growth, but to responsible
lending practices, AI Credit decisioning, and the protection of consumers’
financial well-being.

Founded
with a mission to make access to credit simple, safe, and fair, HappyCash has
served over millions of users nationwide—many of whom are first-time
borrowers from underserved communities. By focusing on affordability and
transparency, the platform ensures that every loan product aligns with the
borrower’s actual capacity to repay.

HappyCash
utilizes a multi-layered credit assessment model that evaluates user behavior,
income signals, device security, and more to assign customized credit limits.
Instead of offering large loan amounts indiscriminately, the platform starts
with responsible limits and gradually increases based on repayment behavior.

This
credit model allows HappyCash to maintain a healthy balance between risk
control and inclusion, enabling safe lending even to first-time borrowers with
limited financial histories.

Aligned with
Consumer Protection Principles

As a
licensed lending entity regulated by the Philippine Securities and Exchange
Commission (SSEC), HappyCash strictly adheres with the Financial Products and
Services Consumer Protection Act and the Truth in Lending Act. Its core
consumer protection measures include:

-
Clear disclosures on fees and interest rates

- No
hidden charges or pre-payment penalties

-
Friendly reminders for due dates, with grace periods

-
Accessible customer support through multiple channels

-
Strong user data protection and secure cloud infrastructure

HappyCash
also invests in borrower education, using its mobile platform to share simple
financial literacy content. The goal is to help users borrow confidently, repay
responsibly, and improve their long-term financial capability.

As
it grows, HappyCash continues to partner with industry-leading technology,
eKYC, and payment providers to ensure that its services remain secure,
scalable, and customer-friendly. With upcoming product enhancements focused on
more personalized credit and real-time fraud detection, the platform is
committed to being a leader in ethical and sustainable lending.

In
an era where digital lending is rapidly expanding in the Philippines, HappyCash
stands out as a platform committed not only to growth, but to responsible
lending practices, AI Credit decisioning, and the protection of consumers’
financial well-being.Founded
with a mission to make access to credit simple, safe, and fair, HappyCash has
served over millions of users nationwide—many of whom are first-time
borrowers from underserved communities. By focusing on affordability and
transparency, the platform ensures that every loan product aligns with the
borrower’s actual capacity to repay.<h2>AI Credit, Backed
by Data</h2>HappyCash
utilizes a multi-layered credit assessment model that evaluates user behavior,
income signals, device security, and more to assign customized credit limits.
Instead of offering large loan amounts indiscriminately, the platform starts
with responsible limits and gradually increases based on repayment behavior.This
credit model allows HappyCash to maintain a healthy balance between risk
control and inclusion, enabling safe lending even to first-time borrowers with
limited financial histories.<h2>Aligned with
Consumer Protection Principles</h2>As a
licensed lending entity regulated by the Philippine Securities and Exchange
Commission (SSEC), HappyCash strictly adheres with the Financial Products and
Services Consumer Protection Act and the Truth in Lending Act. Its core
consumer protection measures include:-
Clear disclosures on fees and interest rates- No
hidden charges or pre-payment penalties-
Friendly reminders for due dates, with grace periods-
Accessible customer support through multiple channels-
Strong user data protection and secure cloud infrastructure<h2>Educating Borrowers</h2>HappyCash
also invests in borrower education, using its mobile platform to share simple
financial literacy content. The goal is to help users borrow confidently, repay
responsibly, and improve their long-term financial capability.<h2>Looking Ahead</h2>As
it grows, HappyCash continues to partner with industry-leading technology,
eKYC, and payment providers to ensure that its services remain secure,
scalable, and customer-friendly. With upcoming product enhancements focused on
more personalized credit and real-time fraud detection, the platform is
committed to being a leader in ethical and sustainable lending.

Yinshan Lending INC.