Privacy Policy

ODO (OwnerDirect.online) is operated by Helium Marketing Corporation (HMC), Philippines.

ODO is an owner-direct verification marketplace for Property and Vehicles. It is built first for OFWs buying or checking assets in the Philippines from abroad — verify the listing and the people before you send money. Local PH buyers, owner-sellers, and licensed providers also use the same platform. ODO is not a broker, not a bank, and not an escrow custodian.

For data privacy, HMC / ODO is the Personal Information Controller (PIC) for data collected on OwnerDirect.online.

Contact for privacy requests: privacy@hmcmarketing.tech (HMC — same inbox for ODO and Dipstify) Data Protection Officer: dpo@hmcmarketing.tech Support: support@ownerdirect.online Platform: https://ownerdirect.online NPC registration: in progress.

This policy matches the live MVP only. It does not describe future bank, escrow, or closing features.

Live today • Two lanes every visit: Property and Vehicles (motorcycle / car / truck). You choose at the front door. • Primary user we designed for: OFW (passport / overseas residence, SPA or relative on the ground). • Also on the product: local PH buyer, seller/owner (creator), licensed provider. • Trust flow: government ID via Google Drive link → admin verify → poke / unlock / book / list. • Optional certify badges: LRA (property) or HPG (vehicles) when you pay to certify. • Fees collected in-app via PayMongo: unlock/contact-reveal, certify, prepaid provider consults. • Free OFW loan-readiness checker for housing and vehicle financing (lead form if you ask to be contacted).

Not live — do not treat as current practice • No bank or law-office escrow inside ODO. We do not hold purchase money, do not run title-transfer escrow, and do not process overseas wires for a sale. • No AMLA / BSP-regulated escrow operations. • No automatic filing of your data with LRA, BIR, HPG, or Registry of Deeds. Certify uses documents/results you and ODO arrange for a badge — it is not a government filing service. • Legal transfer of a house, lot, or vehicle remains between buyer and seller (and their own counsel / LTO / Registry). ODO does not guarantee the close.

We collect only what the live product needs today.

Account & profile • Email and password (Supabase Auth) • Display name; role (OFW buyer, local buyer, seller-creator, or provider — stored as buyer / creator / provider) • Country of residence (OFW countries listed at onboarding) and PH province • Optional waitlist / early-bird flags

Identity (gate for poke, unlock, book, list, post a requirement) • A Google Drive link to your government ID (passport is typical for OFW; PhilSys, UMID, driver’s license, etc. also accepted) • ODO stores the link and an admin verification flag — the ID file stays in your Drive as the primary flow • Admin reviewers open the link you shared to approve or reject

Listings — Property • Headline, location/province, price, property type, title/CTC status, owner or SPA authority • Photos (ODO storage and/or Drive links) • Optional: CTC, tax declaration, SPA link, LRA certify artifacts when paid

Listings — Vehicles • Headline, location/province, price, class (motorcycle / car / truck), OR/CR status, owner or SPA authority • Photos (ODO storage and/or Drive links) • Optional: OR/CR Drive link, HPG certify artifacts when paid

OFW / buyer activity • Pokes (interest) on Property or Vehicle listings • Unlock / contact-reveal payments and status • Bookings of licensed providers (lawyer, geodetic, mechanic, LTO, insurance, etc.) • Requirements you post (province, property type or vehicle class, budget) • Optional local representative / SPA details you enter so someone on the ground can coordinate — they do not get your account password or payment card

Provider profiles • Service types, provinces covered, bio, credentials for admin approval, consult availability

Payments (PayMongo) • We do not store full card numbers. PayMongo processes payment; we store references, amounts, purpose (unlock, certify, consult), and status

Loan checker (OFW tool) • Name, email, mobile, province, vertical (property / vehicle), mode (Pag-IBIG / bank / auto / financing), checklist score, consent flag — only if you ask to be contacted

Assistant (VERA / Ask Vera) • Messages you send in-product and page context used to answer • Operational logs for product quality — not sold for ads

Technical • Session / auth cookies, including odo_vertical (Property or Vehicles after triage) • IP and basic device/browser signals via Vercel / Supabase for security

We do not intentionally collect: bank login credentials, full card PAN/CVV, remittance PINs, or biometrics.

Contract — to run your account, listings, ID verification, unlocks, certify badges, and provider bookings.

Legitimate interests — trust and fraud prevention for remote OFW buyers (ID review, certify badges, abuse prevention), product security, and improving VERA answers.

Consent — loan-checker follow-up, optional marketing/referral features, and any sharing beyond a flow you started.

Legal obligation — where Philippine law requires retention of payment/accounting records for fees we actually collect (PayMongo unlock / certify / consult). We do not claim escrow or property-close retention schedules for money we do not hold.

We do not sell personal data. We do not sell listing contact data to agents for cold outreach.

• Create and secure your account and role (OFW buyer, local buyer, seller, provider) • Show Property or Vehicles after you choose a lane at the front door • Verify identity before poke / unlock / book / submit listing / post requirement • Publish and review Property and Vehicle listings; issue optional LRA or HPG certify badges • Reveal seller contact only after paid unlock (when that flow applies) • Collect PayMongo fees for unlock, certify, and consult bookings; pay out providers per platform rules • Attribute referrals when a creator/seller link is used • Admin moderation (ID review, listing review, provider approval) • Support and abuse response — including reports that someone asked you to bypass verify-first and wire money directly

Inside ODO • You — your profile and your content • Counterparties — only what a completed flow allows (unlocked contact, booking details) • A representative you name — only what you choose to share for on-the-ground coordination; they are not an escrow payee • ODO admins — ID links, listings, and payment refs needed to operate trust and support

Processors / infrastructure • Supabase — database, auth, storage (typically Singapore / ap-southeast-1) • Vercel — website hosting • PayMongo — payment processing for in-app fees • OpenAI / Anthropic (or configured model provider) — VERA when enabled • Google — only because you host ID/docs on Drive and share a link; Google’s terms apply to your Drive files

Not current practice • No escrow law office or partner bank receives your ID or funds through ODO • We do not automatically submit your personal data to LRA / BIR / HPG / Registry of Deeds • We do not share data with marketing list brokers or real-estate agents for cold outreach

ODO was built so an OFW can check a house, lot, motorcycle, car, or truck from abroad without sending money on trust.

• Same RA 10173 rights whether you are overseas or in the Philippines. A relative or SPA on the ground does not waive your rights over your account data. • ID-verified buyers only past the free layer. Contact is not auto-released. • Verify first: listing + people. Do not wire purchase money to a seller because of photos or chat on ODO. • ODO does not hold your purchase funds and does not run escrow. If anyone claiming to be ODO asks you to send the buy price to a “custodian” or personal account, report it to privacy@hmcmarketing.tech. • Loan checker is a readiness tool, not a bank application. Sharing a lead with a lender happens only if you consent. • Data hosting is typically Singapore (Supabase) — a cross-border transfer from the Philippines, disclosed here.

Essential only for the product to work: • Auth / session cookies (Supabase) • odo_vertical — remembers Property or Vehicles after triage (does not skip the front-door choice forever; used to scope later pages) • Preference / theme if present

No advertising pixels are required for core ODO use. If we add analytics later, we will update this policy.

• Account & profile — while your account is open, then as needed for support/disputes • Listings & media (Property and Vehicles) — while listed or as needed for dispute history after unpublish • Payment references for in-app fees — as required for accounting and chargebacks • ID Drive links — while verification is needed; you may replace the link; deletion requests honored subject to open disputes • Loan-checker leads — until you withdraw consent or we close that campaign • Assistant logs — only as long as needed for safety and quality, then deleted or aggregated

You may request erasure under RA 10173; some payment/audit rows may be kept where law requires. We do not keep 10-year “escrow close” files because we do not operate escrow.

You may request: information, access, correction, erasure, objection, and portability, and you may complain to the National Privacy Commission (www.privacy.gov.ph).

Email: privacy@hmcmarketing.tech — we aim to respond within 15 business days. Signed-in users can also start a deletion request from Settings.

If you are an OFW, the same rights apply; using a relative on the ground does not waive your rights over your account data.

• HTTPS / TLS in transit • Supabase Auth for accounts • Role checks in app code for buyer / seller / provider / admin actions • Row Level Security (RLS) on many tables — still evolving; admin tools use elevated keys only on server • ID files preferably stay in your Google Drive; treat link sharing carefully (“anyone with the link” is convenient but increases exposure — use the minimum sharing needed for admin review)

No system is perfect. Report suspected abuse to privacy@hmcmarketing.tech.

ODO is for adults (18+) engaging in Property or Vehicle transactions. We do not knowingly create accounts for persons under 18.

We will update this page when collection or processors change in a material way — including if escrow or bank closing ever goes live. Until then, older pages or decks that mention escrow custodians do not describe the current product. Last updated date below will change.

Privacy / data requests: privacy@hmcmarketing.tech Data Protection Officer: dpo@hmcmarketing.tech Product support: support@ownerdirect.online General: edc.helium@gmail.com Operator: Helium Marketing Corporation — OwnerDirect.online (ODO)

National Privacy Commission: www.privacy.gov.ph · info@privacy.gov.ph