Atome Philippines — Declared App Permissions
Permissions the app declares it requires, as listed on the Google Play Store. Reviewed against SEC Memorandum Circular 18 (2019), which prohibits Philippine lending apps from accessing contacts, SMS, and call logs.
App
Atome PH
Package
ph.atome.paylater
Last checked
5/10/2026
1
MC 18 violations
2
Sensitive perms
16
Total declared
⚠️ Apparent SEC MC 18 violations
The following permissions appear in the Play Store listing for this app. SEC Memorandum Circular 18 (2019) §1 prohibits lending apps from requesting access to a borrower's contacts, SMS, or call logs. The presence of these declarations is direct, public, cite-able evidence — independent of how the app actually uses them at runtime.
read your text messages (SMS or MMS)
SMS · Reading SMS/MMS
Source for permissions: Google Play Store listing →
Source for SEC MC 18: SEC PH MC 18 (2019), full PDF →
Sensitive permissions
Not necessarily MC 18 violations, but worth review (camera may be needed for KYC; location may be reasonable).
- approximate location (network-based)— Approximate location
- take pictures and videos— Camera access (often legitimate for KYC)
All declared permissions (Play Store)
Location
- approximate location (network-based)
SMS
- read your text messages (SMS or MMS)
Photos/Media/Files
- modify or delete the contents of your USB storage
- read the contents of your USB storage
Storage
- modify or delete the contents of your USB storage
- read the contents of your USB storage
Camera
- take pictures and videos
Wi-Fi connection information
- view Wi-Fi connections
Other
- connect and disconnect from Wi-Fi
- control vibration
- full network access
- pair with Bluetooth devices
- prevent device from sleeping
- read Google service configuration
- view network connections
Uncategorized
- receive data from Internet
Affected by debt-shaming or contact-list harassment?
File an NPC + SEC complaint citing this app's declared permissions as evidence.