Privacy Policy

Last updated: April 2026

Who We Are

iKwenta (ikwenta.com) is operated by Ant vs Bear Ltd, a company registered in England and Wales. Our registered address is available on request at privacy@ikwenta.com.

iKwenta provides free financial calculators, comparison tools, and educational content for users in the Philippines.

What Data We Collect

Data you provide voluntarily

  • Email address — if you subscribe to our newsletter or download a guide
  • Calculator inputs — salary amounts, loan amounts, etc. entered into our tools. These are processed client-side in your browser and are NOT sent to our servers unless you use the AI chat feature
  • Chat messages — if you use the AI chat widget, your messages are sent to our server and processed via the Anthropic (Claude) API

Data collected automatically

  • Usage data — pages visited, tools used, time on site. Collected via Vercel Analytics (privacy-focused, no cookies)
  • Device information — browser type, screen size, operating system. Used to optimise the site for your device
  • IP address — used for rate limiting and security. Not stored long-term

Data we do NOT collect

  • We do NOT access your GCash, Maya, or bank transactions
  • We do NOT access your credit score or SSS/PhilHealth/Pag-IBIG records
  • We do NOT access your phone contacts, SMS, or call logs
  • We do NOT use tracking cookies or third-party advertising trackers

How We Use Your Data

  • To provide and improve our calculator and comparison tools
  • To send you financial guides and updates (only if you opted in)
  • To respond to your AI chat queries
  • To analyse site usage and improve our content
  • To prevent abuse and ensure security

We do NOT sell your personal data to third parties. We do NOT share your email address with banks, lenders, insurers, or any financial product providers unless you explicitly click an "Apply" link and submit your details directly to that provider.

Third-Party Services

  • Vercel — hosting and analytics (USA, SOC 2 compliant)
  • Anthropic (Claude) — AI chat processing (USA, SOC 2 compliant)
  • Supabase — database (AWS eu-west-1, SOC 2 compliant)
  • Stripe — payment processing (USA, PCI DSS compliant)
  • Resend — email delivery (USA)

Affiliate Links & Sponsored Content

Some links on iKwenta are affiliate links. When you click these links and apply for or purchase a financial product, we may earn a commission from the provider. This does not affect the price you pay.

Sponsored listings are clearly labelled. Our comparison rankings are based on publicly available product data (rates, fees, features) and are not influenced by commercial relationships.

Data Retention

  • Email addresses: retained until you unsubscribe
  • Chat messages: retained for 90 days for service improvement, then deleted
  • Usage analytics: aggregated, no personal identifiers retained beyond 30 days

Your Rights

Under the Philippine Data Privacy Act of 2012 (RA 10173), you have the right to:

  • Access the personal data we hold about you
  • Request correction of inaccurate data
  • Request deletion of your data
  • Withdraw consent for email communications at any time
  • Object to processing of your data

To exercise these rights, email privacy@ikwenta.com.

Children

iKwenta is not directed at children under 18. We do not knowingly collect data from minors. If you believe a child has provided us with personal data, please contact us at privacy@ikwenta.com.

Changes to This Policy

We may update this policy from time to time. The "last updated" date at the top will reflect any changes. Continued use of iKwenta after changes constitutes acceptance of the updated policy.

Contact

For privacy-related questions, contact us at: privacy@ikwenta.com

iKwenta is a product of Ant vs Bear Ltd.