GENERAL STATEMENT
CARD Bank, Inc. (“CARD Bank”), including its affiliates and subsidiaries and all members of the CARD Mutually Reinforcing Institutions (“CARD MRI”), values the confidentiality of personal data and is committed to maintaining the privacy of its customers. This Data Privacy Statement (“Statement”), details how CARD Bank uses and protects personal data for the purpose of obtaining the consent of data subject in accordance with the Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012, and its Implementing Rules and Regulations (“DPA”). This Statement also covers the privacy practices for our customers who apply for and obtain products and services from us, such as, but not limited to, deposits, loans, investments, insurance, remittances, and other such products and services that CARD Bank may offer from time to time.
OUR PRIVACY PRACTICES
The privacy practices described in this Statement are primarily intended for individuals in the Philippines and are designed to comply with the provisions of the DPA. When accessing our websites, digital and electronic banking and communication channels, official social media pages and/or availing of our services through our branches, you acknowledge and agree that your information may be collected, processed, and transferred within the Philippines following legal and regulatory standards for data protection that may differ from your current or home jurisdictions.
WHAT DATA DO CARD BANK COLLECT FROM YOU
We shall collect personal information from the client which may include, but are not limited to:
- Name, Age, Date/Place of Birth, Gender, Civil Status, Nationality
- Address and Contact Details (Home/Business)
- Educational Background; Employment History
- Financial Information (such as income, expenses, balances, investments, tax, insurance, financial and transaction history, account details, etc.)
- Specimen Signature; Permits, Licenses & Registrations
- Telephone conversation recordings through our Customer Service Representative
- CCTV footage for security purposes
- Religion; Health/Disability
- Regulatory Numbers (HDMF/SSS/TIN)
- Housewife/Husband, Information (Name/Occupation)
- Valid ID & Photos; Mother’s Maiden Name
- Status of Pending Civil/Criminal Cases (if any)
- Mugshots or Identification photos (contains full name, customer information file (CIF), birthdate, mobile number, source of fund, educational attainment, and signature)
- Device and location (IP address, device type, geolocation)
- Biometrics (fingerprint, facial recognition data)
HOW CARD BANK USE YOUR INFORMATION
We use your personal information to provide the services and products that you have availed or intend to avail from CARD Bank, including and together with following purposes:
- Opening, maintaining, and/or terminations of accounts; Ease of contacting/communicating with clients.
- Evaluate, approve, provide, or manage applications, financial products and services, and other transactions that the client has requested.
- Comply with know-your-customer (KYC) information requirements as specified under the Manual of Regulations for Banks and other applicable regulations.
- Perform amendment of client information as aligned to registration in konek2CARD system application.
- Conduct of credit and background information checks and verification.
- Evaluate client’s eligibility for CARD Bank’s products and services, such as loan inventory and loan validation.
- Perform risk profile and risk assessment; Perform Loan Utilization Check (LUC).
- For internal purposes, such as administrative, operational, audit, credit and risk management.
- Offering and processing of insurance products as authorized by regulatory agencies.
- Comply with legal and regulatory requirements such as submission of data to credit bureaus, credit information companies, the Credit Information Corporation (CIC),CISA.
WHEN DO CARD BANK COLLECT PERSONAL INFORMATION
We collect personal information through, but not limited to, any of the following:
- Face-to-face and/or telephone conversation with CARD Bank Customer Service Representative.
- Accomplishment and/or signing of forms/documents (e.g., loan proposal, New Accounts Form, Insurance Products, Employment application and contracts and Client Information Form)
- Registration through electronic banking channels and services (e.g., Mobile Banking Application-Konek2CARD, HCIS, MOB, LOS); and
- Conducting Background and credit investigation and Loan Utilization Check; inquiries to the Credit Bureau
RECIPIENTS OF INFORMATION
CARD Bank may share your personal information with our subsidiaries, affiliates and third parties, including members of CARD MRI, for the purposes above and with an obligation of confidentiality. Your personal information may similarly be disclosed to government agencies, supervisory bodies, tax authorities, or courts of competent jurisdictions for purposes of complying with banking regulations.
HOW CARD BANK SAFEGUARD PERSONAL INFORMATION
CARD Bank, its employees, agents and representatives, shall handle personal information with utmost care and adhere to the implemented organizational, physical, and technical security measures to maintain the confidentiality, integrity, security, and availability of all personal information under its custody.
HOW LONG DO CARD BANK KEEP YOUR INFORMATION
Documents containing your personal information will be retained in the records and systems of CARD Bank for a period no longer than five years from the date of the termination of your account or of the specific transaction with CARD Bank, unless CARD Bank is required by law to retain the information for a longer period.
YOUR RIGHTS AS DATA SUBJECT
- To be informed
- To object to the processing of your personal data
- To have reasonable access to the information being retained
- To correct or rectify information or dispute accuracies
- To erasure blocking, withdrawal, removal destruction of data
- To be indemnified for damages
HOW TO CONTACT US
Should you need to get in touch with us for any data privacy concerns or requests or should you have any questions or clarifications regarding this Data Privacy Statement, you may visit the Customer Service Desk at any of CARD Bank’s branches or call the Customer Service Hotlines at the following numbers:
Tel No. (049)-503-4156
SMART 0909-233-6852
GLOBE 0917-707-9819.
You may also e-mail us at cardbankcsr@cardmri.com or visit our website www.cardbankph.com.
Alternatively, for any pressing concerns, you may reach our data protection officer at the following contact information:
E-mail Address: dpo@cardmri.com
Telephone Number: (049) 562-4309
Address: 20 ML Quezon St., City Subdivision, San Pablo City Laguna
CHANGES TO OUR PRIVACY STATEMENT
We may amend or modify the terms of this Statement from time to time to ensure relevance with the relevant laws and regulations applicable to CARD Bank. Any relevant modification will be posted on our website and distributed to all CARD Bank branches and Branch Lite Units (BLUs).
