Privacy Policy

Section 1

Introduction

Negosyo Plans ("we", "us", "our") operates negosyoplans.com. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or purchase our products.

By using our website, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of our website.

Section 2

Information We Collect

Information You Provide

• Name and email address — collected when you make a purchase, sign up for our newsletter, or submit a contact form.
• Country of residence — collected to understand our customer geography and customize content for OFWs.
• Message content — when you contact us via our contact form (the message is emailed to us via SendGrid).

Information Collected Automatically

• IP address — collected automatically when you visit our website.
• Browser type and device information — operating system, browser version, screen resolution.
• Pages visited and time on page — via Google Analytics 4.
• Referring URL — the page that linked you to our site.

Payment Information

Section 3

Customer Records in Matthew System

What you record

• If you use Matthew System, you can record your own customers' details: their name, a phone number if you add one, how much they owe you (utang) and how much they have paid, and the dates of their purchases, payments, bookings and deliveries.
• If you lend money through Matthew System, you can also record the borrower's address, the type of ID they showed, and whether you kept a copy.
• If you turn on your online booking page, your customers type in their own name, mobile number and the service and time they want, and can add a note and a payment reference number. These go to your Matthew System account so you can confirm the booking.
• If you turn on new-booking alerts, we save a notification address from your phone's browser (up to 5 phones) so we can alert you when a booking comes in. Alerts show only the service and the booking day and time — never your customer's name or phone number. Turn alerts off in the app any time; phones that stop accepting alerts are removed automatically.
• You decide what to record. Names and phone numbers are optional on sales and contacts.
• These records are stored on our servers at Cloudflare, under your account. We do not store your customer's email.

Smart Reminders — powered by Business Automation (message drafts)

• Business Automation suggests which customers you may want to contact today: a friendly utang reminder, a check-in for a regular who hasn't come by, or a "we miss you" note. It drafts a message for each.
• You send the message yourself, from your own phone, by SMS, copy-and-paste, or your phone's share menu.
• NegosyoPlans and Lintejas do not send any message to your customers.
• We only save what you did with each suggestion (sent, skipped or "later") and your settings, including who you chose not to message.

"Don't message" and "Skip one utang"

• "Don't message" stops all suggestions for that customer. You can bring them back any time in Settings.
• "Skip one utang" leaves a single utang out of the reminders.
• Neither one changes your money records: your sales, utang and payments stay exactly as they are.

AI Rewrite (optional)

• If you use AI Rewrite, we send only the message template — with blanks like {name}, {amount} and {store} — to our AI provider, Anthropic (Claude), to reword it. Your customers' names, phone numbers and amounts are never sent; we fill them back in on your phone.
• It is used only to reword the message. We keep only a short-lived count of your rewrites, to apply the daily limit.

Your responsibility as the sender

• Only message customers who would expect to hear from your store. If a customer asks you to stop, use "Don't message" for them.

Deleting records

• When you delete a record in the app, it is marked deleted and no longer shown or counted.
• To have your records fully erased from our servers, email privacy@negosyoplans.com.

Section 4

How We Use Your Information

• To process and fulfill your order (we manually verify your QR payment, then email your blueprint)
• To send your secure blueprint access link (by email, via SendGrid)
• To send marketing emails about new blueprints and business tips (only if you have subscribed — you may unsubscribe at any time)
• To improve our website, product pages, and user experience (via Google Analytics 4)
• To provide customer support and respond to your inquiries
• To comply with legal obligations under Philippine law and applicable international regulations

Section 5

Third-Party Services We Use

We use the following third-party services to operate our website and business. Each service has its own privacy policy governing how they handle data:

Section 6

Cookies

Our website uses cookies — small text files placed on your device — to improve your experience and help us understand how visitors use our site.

Types of Cookies We Use

• Strictly Necessary: Required for the website to function (e.g., shopping cart, session management).
• Analytics: Help us understand visitor behaviour (Google Analytics 4).
• Functional: Remember your preferences (e.g., currency selection, language).

Ads measurement and analytics

Ads measurement (Meta Pixel) and analytics (Google Analytics 4): we load these ONLY after you tap OK on our cookie banner. They show us which ads and pages work — page views, opening checkout, submitting a payment reference, signing up. We never send your name, phone number or payment details to them. If you tapped OK, then when we confirm your payment our server tells Meta that a purchase happened (the product and the amount), together with a scrambled code made from your email address (a one-way “hash” — Meta can match it to an account, but it cannot be turned back into your email). If you tapped No thanks, nothing is sent. If you tap No thanks, neither loads. You can change your choice any time with 'Cookie settings'.

We also keep a simple visit count on our own servers — which page and where an order came from, no advertising and no personal details.

If you arrive through a NegosyoPlans agent’s link, we remember the agent’s code on your device for 30 days so the agent can be credited. No personal information is stored with it.

Managing Cookies

You can manage your cookie preferences at any time using our Cookie Settings tool. You may also configure your browser to refuse cookies, though some features of our website may not function correctly if you do.

Open Cookie Settings →

Section 7

Philippine Data Privacy Act (R.A. 10173)

Your Rights as a Data Subject

• Right to be Informed: You have the right to know what personal data we collect and how it is used.
• Right to Access: You may request a copy of your personal data that we hold.
• Right to Correction: You may request correction of inaccurate or incomplete personal data.
• Right to Erasure: You may request deletion of your personal data, subject to our retention obligations.
• Right to Data Portability: You may request your personal data in a structured, machine-readable format.
• Right to Object: You may object to the processing of your personal data for direct marketing purposes.

To exercise any of these rights, email us at privacy@negosyoplans.com. We will respond within 15 business days.

Section 8

GDPR (For EU Customers)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Rectification: Request correction of inaccurate personal data.
• Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data.
• Right to Portability: Receive your data in a portable format.
• Right to Object: Object to processing based on legitimate interests or for direct marketing.
• Right to Restrict Processing: Request that we limit how we use your data in certain circumstances.

Legal Basis for Processing

We process your data based on: (a) your consent (newsletter opt-in), (b) contract performance (order fulfillment), and (c) legitimate interests (website analytics, customer support).

Data Retention (EU)

Email addresses of subscribers are retained until you unsubscribe, plus 30 days for processing. Purchase records are retained for 7 years for tax compliance.

Section 9

Data Security

• SSL/TLS Encryption: All data transmitted between your browser and our website is encrypted using HTTPS.
• Payment Security: You pay by QR scan (QR Ph / InstaPay) directly in your own banking or e-wallet app; we never process or store your card, e-wallet, or bank account details. We only receive the payment reference you send us to verify your order.
• Limited Access: Access to personal data is restricted to authorized team members who need it to provide our services.
• Hosting Security: Our website is hosted on Cloudflare, which maintains enterprise-grade security infrastructure.

While we take reasonable steps to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Section 10

Data Retention

• Purchase records: Retained for 7 years to comply with Philippine tax and accounting requirements.
• Email subscribers: Retained until you unsubscribe from our mailing list.
• Analytics data: Retained for 26 months (Google Analytics 4 default setting).
• Contact form submissions: Retained for 12 months, then deleted.
• Session recordings (Clarity): Retained for 30 days.
• Customer records in Matthew System: kept while your account is active. Records you delete in the app are marked deleted. For full erasure, email privacy@negosyoplans.com.
  Mga record ng customer sa Matthew System: itinatago habang aktibo ang account mo. Ang binura mo sa app ay minamarkahang binura. Para tuluyang mabura, mag-email sa privacy@negosyoplans.com.

Section 11

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a minor, please contact us at privacy@negosyoplans.com and we will promptly delete the information.

Section 12

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

Section 13

Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us: