Tsikot.com - Privacy Policy

What We Collect

When you use Tsikot.com, we may collect:

• Contact details - name, email address, phone number
• Vehicle preferences - make, model, year, budget
• Financing preferences - preferred downpayment, loan tenor, indicative monthly budget (when you use the loan calculator)
• Usage data — pages visited, device type, browser, IP address, collected automatically via cookies and analytics tools
• Messaging data — your name and the content of messages sent via Facebook Messenger when interacting with our chatbot

How We Use Your Data

We use your data to:

• Connect you with the relevant dealer or seller in response to your inquiry
• Share your financing preferences with our lending partner when you use the loan calculator
• Send confirmation or follow-up communications related to your request
• Respond to inquiries submitted via Facebook Messenger and connect you with a dealer
• Improve platform performance and user experience via analytics
• Comply with legal and regulatory obligations

We do not sell your personal data to any third party.

Who We Share Your Data With

Dealers and sellers

When you submit a vehicle inquiry, your contact details and vehicle preferences are shared with the relevant dealer so they can respond to your request. Dealers process this data as independent controllers under their own privacy policies.

SALMON FINANCE INC.

When you use the loan calculator or request financing, we may share your name, contact details, and loan preferences with SALMON FINANCE INC., a licensed financing company registered with the Securities and Exchange Commission of the Philippines.

Salmon independently determines the purposes and means of processing personal data related to loan applications. Tsikot.com does not participate in credit evaluation or lending decisions.

Tsikot.com is not a lender and not a party to any loan agreement between you and SALMON FINANCE INC.

Service providers

We use third-party tools including Google Analytics and advertising platforms (such as Meta and Google Ads) to operate and improve the platform. These providers process data on our behalf under contractual safeguards.

Legal authorities

We may disclose personal data where required by law or valid legal process.

Automated Messaging (Facebook Messenger)

International Data Transfers

Some service providers may process data outside the Philippines. Where this occurs, we ensure appropriate safeguards are in place to protect personal data consistent with the Philippine Data Privacy Act.

Cookies

Tsikot.com uses cookies and similar technologies to operate the platform and understand how users interact with it.

These include:

• Essential cookies - required for site functionality
• Analytics cookies - used to understand site usage
• Advertising cookies - used for advertising performance and retargeting

By continuing to use the platform, you consent to the use of cookies as described in this policy.

How Long We Keep Your Data

We retain personal data only as long as necessary for the purposes described above.

Typical retention periods include:

• Inquiry and lead data - up to 12-24 months
• Financing calculator data — up to 6 months or as required by the lending partner
• Messenger conversation data — up to 12 months
• Account data — for the duration of the account and up to 12 months after deletion

Data is securely deleted or anonymised when no longer required.

Your Rights

Under the Philippine Data Privacy Act (RA 10173), you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Request deletion of data where we no longer have a lawful basis to retain it
• Object to processing for marketing purposes
• Withdraw consent at any time
• File a complaint with the National Privacy Commission

Data Security

We implement reasonable technical and organizational safeguards to protect personal data, including HTTPS encryption and restricted access to personal data.

In the event of a data breach that may affect your rights, we will notify affected users and the appropriate authorities as required by law.

Changes to This Policy

We may update this Policy from time to time. The date at the top indicates the most recent revision.