Data Privacy Statement

Maintaining your privacy is an important part of the products and services that we provide.This Privacy Statement, hereafter referred to as “Statement”, explains how we collect, protect, use, and share information when you apply for and avail of our products and services.

This Statement outlines the general practices of Pampanga Development Bank in relation to our processes. 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, and other such products and services that the 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 Data Privacy Act of 2012 (R.A. 10173) and its implementing rules and regulations. When availing of our services, you acknowledge and agree that your information may be transferred to and processed following legal and regulatory standards for data protection.

What We May Collect from You

When you apply for or avail of any product or service that Pampanga Development Bank offers or when you interact with our employees, authorized representatives, agents and service providers, we collect your personal information. This may include, among others:
      ✓ your name and personal particulars such as contact details, address, birth date, education;
      ✓ specimen signatures;
      ✓ government ID details;
      ✓ financial information (such as income, expenses, balances, investments, tax, insurance, financial and transaction history, etc.);
      ✓ employment details;
      ✓ business interests and assets;
      ✓ images via CCTV and other similar recording devices and processes which may be observed when visiting our offices and/or
       using our other facilities;


We may, as and when necessary, seek to verify or augment this information with third-party entities including government regulators, judicial, supervisory bodies, tax authorities or courts of competent jurisdiction and, in the process, gain additional information about you.

In the course of availing our products and services, we also collect information about your transactions and dealings which include your account activities, movements and interactions with third parties such as merchants and utility companies.

How We Use Your Information

The use the information collected to deliver and provide the products and services that you have availed to:
      ✓ approve, facilitate, administer and process applications and transactions;
      ✓ send you statements, billings, notices and other such documents necessary for continued use of our products and services;
      ✓ conduct studies and researches for the purpose of reviewing, developing and improving our products and services;
      ✓ perform profile analysis, behavioral modelling and analytics to understand needs, preferences and market trends to be able to
      improve and recommend suitable products and services;
      ✓ comply with our operational, audit, administrative, credit and risk management processes, policies and procedures, the terms and
      conditions governing our products, services, facilities and channels, the Bangko Sentral ng Pilipinas rules and regulations, legal and
      regulatory requirements of government regulators, judicial, supervisory bodies, tax authorities or courts of competent jurisdiction,
      as the same may be amended or supplemented from time to time.
      ✓ comply with applicable laws of the Philippines and those of other jurisdictions including the United States Foreign Account Tax
      Compliance Act (FATCA), the laws on the prevention of money laundering including the provisions of Republic Act No. 9160
      (Anti-Money Laundering Act of 2001, as amended (AMLA) and the implementation of know your customer and sanction screening
      checks.
      ✓ comply with legal and regulatory requirements such as submission of data to credit bureaus, credit information companies, the
      Credit Information Corporation (CIC) (pursuant to RA No. 9510 and its implementing rules and regulations) responding to court
      orders and other instructions and requests from any local or foreign authorities including regulatory, governmental, tax and law
      enforcement authorities or other similar authorities;
      ✓ Perform other such activities permitted by law or with your consent.span>

How We May Share Your Information

We may share your personal information with third parties, under an obligation of confidentiality.
We may engage third parties to help us operate our business. These include support in:
      ✓ complying with legal requirements such as court orders;
      ✓ enforcing our terms of use including, among others, our rights as creditor to customers availing of our loan or credit products, or
       such other applicable policies with respect to the services that we provide;
      ✓ addressing fraud, security or technical issues, to respond to an emergency or otherwise to protect the rights, property or security
       of our customers or third parties;
      ✓ To carry out all other purposes set out above.

How We Protect Your Information

We fully recognize the value of your personal information particularly as it may include sensitive personal information such as your gender, government-issued IDs, etc. Appropriately, we strive to maintain the confidentiality, integrity and availability of your personal information by employing physical, technological and procedural safeguards. We train our employees to properly handle your information. Whenever we engage other companies to provide services for us, we require them to protect personal information aligned with our own security standards.

How Long Do We Keep Your Information

Your personal information shall be retained for as long as the purpose for which it was collected, and such other purposes that you may have consented to from time to time, remains in effect and until such time as it is no longer required nor necessary to keep your information for any other legal, regulatory or business purposes.

You Have Rights

In respecting your rights to privacy, you may opt to tell us:
      1. not to share your information with other companies that we have business with provided that such information is not critical nor
       required by applicable laws and regulations in maintaining the services that you have availed with us;
      2. to provide you with information that we currently have about you subject to restrictions applied to us as a bank and a company
       operating in the Philippines by certain laws and regulations;
      3. to update your information;
      4. About your other concerns relating to how we collect, use, share, protect or dispose your information.

How to Contact Us

For any queries, clarifications or requests on any aspect of this Statement, the exercise of your rights pertaining to your personal information or to provide any feedback that you may have about our processing of personal information, please visit any of our branches or get in touch with our Customer Service at (045) 409-7981. You may also write our Data Protection Officer at:

            DATA PROTECTION OFFICER
            Pampanga Development Bank
            MacArthur Highway, Dolores
            City of San Fernando, Pampanga 2000
            Philippines

Changes to Our Privacy Statement

We may modify or amend this Privacy Statement from time to time to keep up with any changes in relevant laws and regulations applicable to us or how we collect, use, protect, store, share or dispose of your personal information.