It also applies to personal information that BCash may collect in other ways:
(i) through our products and services;
(ii) when you interact with us by means other than the BCash website or application, that is, in person, over the phone, or through other means of telecommunications; and
(iii) from our employees, collectors, third-party investigators, and other business partners (collectively referred to as "Business Partners").
The company will be collecting information such as:
a.) Personal Information such as name, birthday, age, gender, nationality, home address, educational attainment, employment information, marital status, Facebook Link, and cellphone number.
b.) Contact Information such as email address, phone number, employer identification, address, and contract number.
c.) Other Contact Information: Emergency contact numbers and name (that you will submit)
d.) Financial Information such as credit card/account information, E-cash wallet information, or other banking information
e.) Technical Information such as real-time location, device information, IP address, browser type, device identifier, and camera access.
f.) Login Information such as account password and data authentication
All of the information and data that you have submitted shall only be used for the sole purposes listed in the preceding article.
It is understood that when you have submitted your information to BCash, you are expressly consenting to the collection and processing of such information for whichever purpose it may serve under the Agreement
BCash may collect technical information about your device, such as device type, browser type, IP address, operating system, and device identifier. BCash will automatically collect this information from your device and web browser through cookies and similar technologies subject to your consent.
Information about how you interact with us
BCash may collect location information, including precise real-time location information from your device and inaccurate location information such as your IP address.
BCash App will not access accurate real-time location information from your device unless you grant permission to do so. BCash’s access to the location is for the protection of BCash since our services are only rendered to those who are located in the Philippines. BCash's location access is limited for the purpose of granting loan applications and other allied services, if applicable.
Information from Business Partners and other Third Parties
BCash may collect personal information through our Business Partners. This information may include contact information such as name, company name, job title, address, email address, and phone number for verification and validation purposes.
BCash may also obtain personal information from other third-party sources, including public and commercially available sources. As mentioned above, we may combine the information we receive from Business Partners and other third-party sources with the information we collect from you or your device.
WHY BCASH COLLECT USER PERSONAL DATA
Develop and manage our relationships with you and our Business Partners. This may include:
(i) Delivering services or carrying out transactions that you or our Business Partners have requested;
(ii) Providing information about BCash products, services, transactions, and advertisements, that may be of interest to you;
(iii) Providing you and our Business Partners a more consistent experience in interacting with BCash, including by learning more about you and how you use and interact with BCash Internet Sites, Apps, products, and services; and
(iv) Planning, managing, and performing under our contractual relationships with our Business Partners.
Communicate with you
(i) Informing you of BCash products, services, and promotional activities that may be of interest to you;
(ii) Providing information about relevant BCash products, services, and transactions, including, for example, pricing, information about product or service improvements;
(iii) Responding to questions or inquiries that you make, including customer service requests; and
(iv) Inviting you to participate in, or informing you of the results of, customer satisfaction or market research surveys.
Provide and improve our Internet Sites, Apps, products, and services:
(i) Customizing them to your preferences or interests, making them more compatible with your technology, or otherwise making them easier to use;
(ii) Maintaining the security of and otherwise protecting them; and
(iii) Developing new BCash Internet Sites, Apps, products, and services.
Address legal issues
(i) Complying with our obligations to retain certain business records for minimum retention periods;
(ii) Establishing, exercising, or defending legal claims;
(iii) Complying with laws, regulations, court orders, or other legal processes;
(iv) Detecting, preventing, and responding to fraud, intellectual property infringement, violation of our contracts or agreements, violations of law, or other misuses of BCash Internet Sites, Apps, products, or services; and
(v) Protecting BCash’s rights or property, or yours or others’ health, safety, welfare, rights, or property.
BCash may also use your personal information for other purposes consistent with the context in which the information was collected or with your consent. BCash may anonymize or aggregate any of the information we collect and use it for any purpose, including for research and product-development purposes. Such information will not identify you individually.
To the extent required by applicable law, whenever BCash collects personal information, BCash will:
• Provide timely and appropriate notice to you about our data practices;
• Collect your personal information only for specified and legitimate purposes;
• The information we collect will be relevant, adequate, and not excessive for the purposes for which it is collected;
• Process your personal information in a manner consistent with the purposes for which it was originally collected or to which you have subsequently consented;
• Take commercially reasonable steps to ensure that your personal information is reliable for its intended use, accurate, complete, and, where necessary, kept up-to-date;
• Do Not use your personal information for direct marketing purposes without giving you an opportunity to “opt out”; and
• Take appropriate measures, by contract or otherwise, to provide adequate protection for personal information that is disclosed to a third party or transferred to another country, including transfers within BCash.
TO WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
BCash may share your personal information with third parties hired by us to perform support services for us, such as but not limited to collection services, background investigation, and skip tracking among others.
These third parties are required to use the personal information we share with them, only to perform services on our behalf and to treat your personal information in compliance with all applicable privacy and data protection laws.
In some cases, BCash may share your personal information with third parties who partner with us to provide products and services to our customers. If so, we will require our Business Partners to use that information in a manner that complies with this policy, any applicable
Specific Privacy Statements, and all applicable privacy and data protection laws.
BCash may share your personal information with third parties when we have a good faith belief that disclosure is necessary:
(i) To comply with a law, regulation, court order, or other legal processes;
(ii) To detect, prevent, and respond to fraud, intellectual property infringement, violation of our contracts or agreements, violation of law, or other misuses of BCash Internet Sites, Apps, products, or services;
(iii) To protect BCash rights or property or yours or others’ health, safety, welfare, rights, or property; or;
(iv) Under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.
BCash may share your personal information with third parties related to the sale, purchase, merger, reorganization, liquidation, or dissolution of BCash or BCash's business units, or under similar circumstances. If such incidents occur, we will take appropriate measures to protect your personal information. BCash may share your information with your permission or at your request. may share anonymized or aggregated information internally and with third parties for any purpose. Such information will not identify you personally.
The user agrees that BCash, directly or through its Partners, may collect, retrieve, process, use and store his/her personal data such as name, age, photographs, fingerprints, other biometric data (e.g., facial recognition and voice recognition), mobile number/s, mobile phone usage data, employment details, income, financial data, financial profile, credit standing, loan payment history, and other information required in the application form for the purpose of reviewing and processing the user’s loan application. The user consents to the collection of his/her personal data from the user her/himself, or from other personal information controllers such as, but not limited to, telecommunications companies, for credit scoring purposes. The user’s personal data such as mobile number, email address, and address, will be shared with a credit scoring service provider for credit investigation, credit scoring, data analytics, and data profiling, which includes the regular updating of the user’s credit score. The personal data secured may also be used for the direct marketing of products and services of Partners
UPDATING & CORRECTING YOUR PERSONAL INFORMATION
We may also access, correct, or update your Personal Information, if necessary, in order to comply with a law, legal process, or other regulatory requirements. If we wish to no longer hold your information, or if it is out of date or incorrect, you will be provided with the option to delete that information from our databases. We will use all reasonable efforts to provide accurate Personal Information when requested by you and to change it where necessary.
Please note that we may refuse to provide your Personal Information to you on security, legal or other grounds.
Your personal information will generally be stored in the BCash database maintained by our service provider. Many of these databases are stored on servers located in the Philippines. BCash takes appropriate measures through contracts or other means to provide adequate protection for personal information disclosed to third parties or transferred to another country/region, including transfers within BCash. BCash maintains reasonable safeguards to protect the confidentiality, security, and integrity of your personal information. Although we use security measures to help protect your personal information against unauthorized disclosure, misuse, or alteration, just like all computer networks connected to the Internet, we cannot guarantee the security of information provided over the Internet and will not be responsible for breaches of security beyond our reasonable control.
Bcash shall have no legal or financial responsibility for any data, transactional or credit card information, privacy data, or other personal information merited to be generated as a result of the use of Bcash Service. Under no circumstances, Bcash shall be liable for damages due to the unauthorized disclosure of any such data, personal information, or other materials.
RETENTION OR DELETION OF ACCOUNTS
The company shall retain your information for the period where your account exists with us in order to serve the purpose as to why such information was collected. All the images, data, and information that were submitted to Bcash will not be copied, modified, or distributed to any party other than the client and the company. All of the images, data, and information that were submitted to Bcash will be deleted once the client has opted to terminate their Bcash account upon the completion of their obligation with Bcash.
1. Retention of personal data shall only for as long as necessary:
(a) for the fulfillment of the declared, specified, and legitimate purpose, or when the processing relevant to the purpose has been terminated;
(b) for the establishment, exercise, or defense of legal claims; or
(c) for legitimate business purposes, which must be consistent with standards followed by the applicable industry or approved by appropriate government agencies.
2. Retention of personal data shall be allowed in cases provided by law.”
Bcash shall exercise the company’s right to retain all transaction records associated with and/or between Bcash and the user client.
Bcash will safeguard your personal information through precautions that meet or exceed applicable laws and rules and regulations. Bcash provides individuals the ability to control their personal information and authorize the collection, use, and disclosure of that data. So, if Bcash users desire to permanently delete their account with Bcash below is the guide for the proper procedure of deletion.
ACCOUNT DELETION GUIDE
By deleting an account, Bcash shall remove the account from Bcash’s records and any data associated with it that isn’t legally required to maintain. Deleting accounts allows users to take back control of their personal data.
If the user decides to delete his/her account, then, he/she can't regain access once it's deleted.
Deletion Option: thru app or the user may proceed with assistance from Bcash Customer Service Representative (CSR)
The user may simply go through Bcash Menu Bar, then, in the Profile Settings, the option to delete the account shall be available.
It is important that the request of Bcash must be complied with. In case of trouble deleting your account proceed to Bcash CSR.
For a successful deletion of your Bcash Account, the user should meet the following conditions:
All necessary documents/or signatures required by Bcash be given or accomplished first.
All accounts that don't have remaining outstanding loan balances are eligible for account deletion.
All other requests be settled as required by Bcash or by other local laws, rules and regulations, and/or other applicable laws.
Despite deletion requests, we are required to keep your personal information for at least five (5) years to comply with laws against money laundering and terrorism financing prevention.
Additionally, we may keep your personal information as long as necessary to comply with any legal obligations,
(i) For as long as necessary to comply with any legal obligation,
(ii) as permitted by law, and
(iii) for the establishment of legal defenses. Information that is no longer needed for the purpose(s) for which it was collected shall be deleted or anonymized except as necessary to comply with legal obligations.
Bcash shall always verify that the request has been made by the user him/herself:
Bcash, like any of the user’s trusted applications, will not hastily delete your account upon request without proper verification of the user’s identity.
It may take a couple of times or the user should give Bcash reasonable time to verify or make sure that the user has decided finally to delete his/her account with Bcash.
In order for Bcash gives the user time to reflect on whether or not to permanently delete their account and can no longer retrieve the history and all transactions coupled from such deletion, erasure, or blocking.
Bcash may decline a request for deletion or Bcash may cancel the request for deletion upon notification of the user:
Like among other organizations, Bcash is entitled to reject any request for deletion of an account. Bcash shall decline the request for account deletion if the user has failed to comply with the conditions set by Bcash to protect itself, its organization, and/or business partners from unguarded users. Bcash shall be responsible for providing a reasonable explanation as to the rejection or why Bcash declined such a request.
User Cancellation of Deletion of his/her account
Cancellation of a request for Deletion is possible when the user’s account is still in the timeframe or deletion process. Henceforth, if the user changes his/her mind make sure to contact Bcash CSR for this request.
If the cancellation request for deletion has been made after the account has been deleted, then, the request is automatically denied.
Bcash shall not be held liable for this irreparable consequence on the user’s part.
At all times, Bcash reminds its users that all accounts are handled with care and diligence.
RIGHTS OF USERS
You can contact our Data Privacy Officer at firstname.lastname@example.org to exercise your rights as a data subject. The following are your rights:
Right to be informed
You should be informed of BCash’s process in collecting, using, sharing, and gathering your information and your rights as a data subject.
Right to access
A copy of your personal data may be requested and how your data are being processed unless gathering this information may affect the rights and freedoms of others or applicable law requires that we do not adhere to your request.
Right to rectification
A request to correct information that you believe is inaccurate can be made. An update of this request shall be sent to you if proper actions have been executed. Regarding this request, we will require you to submit supporting documents or details to show the authenticity of the said changes.
Right to erasure or blocking
Personal data can be asked to be erased if you think that this information is no longer of use for our company; if you doubt our processors of your data; if these data of yours are being used unlawfully and/or if certain laws require you to do so.
Right to data portability
You as a client should have the right to know the movement, copy, or transfer of your data with proper security features.
Right to damages
As a data subject, if anything has happened to you regarding data privacy you have the right to collect proper compensation regarding the damages that you suffered or if there is any violation of your rights and freedom.
Right to file a complaint
If there is any damage or violation of your rights and freedom regarding data privacy, you have the right to file a complaint to the National Privacy Commission.
ACCEPTANCE & SIGNED
Name of User:
Date of Execution: