{"id":650,"date":"2017-01-24T09:10:40","date_gmt":"2017-01-24T09:10:40","guid":{"rendered":"https:\/\/localhost\/?page_id=650"},"modified":"2025-07-14T08:54:11","modified_gmt":"2025-07-14T08:54:11","slug":"privacy-and-policy","status":"publish","type":"page","link":"https:\/\/www.rizalmicrobank.com\/index.php\/privacy-and-policy\/","title":{"rendered":"Privacy and Policy"},"content":{"rendered":"<p style=\"text-align: center;\"><span style=\"font-family: 'arial black', sans-serif; font-size: 18pt;\"><strong>RIZAL MICROBANK DATA PRIVACY NOTICE<\/strong><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4209 size-full\" src=\"https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1.jpg\" alt=\"\" width=\"1754\" height=\"1241\" srcset=\"https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1.jpg 1754w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1-300x212.jpg 300w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1-1024x725.jpg 1024w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1-286x202.jpg 286w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1-768x543.jpg 768w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/RegistrationCert_page-0001-1-1536x1087.jpg 1536w\" sizes=\"auto, (max-width: 1754px) 100vw, 1754px\" \/><\/p>\n<p>We at Rizal MicroBank (RMB) value your privacy. We believe that you are entitled to know how we use and protect your personal information. We give this notice to inform you of the ways in which we process your personal information and the means by which you can control, to a certain extent, these processes.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4210 size-full\" src=\"https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1.jpg\" alt=\"\" width=\"1241\" height=\"1754\" srcset=\"https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1.jpg 1241w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1-212x300.jpg 212w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1-725x1024.jpg 725w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1-143x202.jpg 143w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1-768x1085.jpg 768w, https:\/\/www.rizalmicrobank.com\/wp-content\/uploads\/CORSeal_page-0001-1-1087x1536.jpg 1087w\" sizes=\"auto, (max-width: 1241px) 100vw, 1241px\" \/><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We, at Rizal Microbank, Inc. (RMB), respect and value your privacy. We believe that you are entitled to know how we use and protect your personal information. We give this notice to inform you of the ways in which we process your personal information and the means by which you can control, to a certain extent, these processes.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">While this notice is intended mainly for the benefit of our individual clients, we stress that we handle and protect the information of our entity clients in the same manner that we handle and protect the information of individuals.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>\u00a0<\/strong><strong>Who is providing this notice? <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">As the personal information controller under Republic Act No. 10173 or the Data Privacy Act of 2012, RMB gives this notice to inform you of your rights and our obligations under the law.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>\u00a0<\/strong><strong>What personal information do we collect? <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">The types of personal data that we collect depend on the product or service that you avail or intend to avail from us, including but not limited to:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Full name, gender, place and date of birth;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Residential\/permanent address;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Copy of identification cards such as passport, TIN, SSS\/GSIS number;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Employment or business information;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Payment details, including credit card and banking information;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Contact details, including telephone\/cellphone number and email address;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Latest income documentation;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Latest billing proof of address (where applicable);<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Images (videos and\/or photos) collected via CCTV, and similar devices when you visit our premises; and<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Other information necessary to provide you with the product or service that you need.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Additional personal data that we collect over the course of our relationship with you <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Over the course of our relationship, we may collect data about you including but not limited to your transactions, account history and information, inquiries about our products and services.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Personal data that we collect as authorized or required by law <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We may also collect information about you when required or authorized by law. For example, we require your personal data to verify your identity under Republic Act No. 9160 or the Anti-Money Laundering Act of 2001 and the Foreign Tax Compliance Act.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Personal data that we collect via your web activities <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">RMB uses &#8220;Google Analytics&#8221; to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We then use the information collected from Google Analytics only for purposes of improving this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. RMB does not combine information collected through the use of Google Analytics with any of your personally identifiable information.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Please note that some information may be gathered with the use of &#8216;cookies&#8217; which are small pieces of information stored on your browser that may be retrieved by the site. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google and will allow Google Analytics to recognize you on any return visit to this site. Should you wish to disable these cookies, you may do so by changing the appropriate settings on your web browser.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Personal data that we collect through social media <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We know that some of you like to engage with us through social media. So that we can respond to your inquiries, we may ask for your name, contact number and email address. We will only collect your information with your consent. For account and transaction inquiries, you can always call our Customer Contact Center.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>How do we collect your personal data? <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">There are many ways that we get information from you. We might collect your information when you fill out a form with us, when you give us a call, use our websites or mobile applications, or drop by one of our Business Centers. We may also collect your information via the following:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">In applications, emails and letters, in customer surveys, during financial reviews and interviews.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">From data analysis (for example, the amount, frequency, location, origin, and recipient) of your payments and other transactions, and your use of our products and services.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Information that we receive from our subsidiaries and affiliates, and from or through other organizations (for example, card associations, credit bureaus, insurance companies, and fraud prevention agencies) whether in the course of providing products and services to you or otherwise.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>How we collect and manage your sensitive personal information? <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">The Data Privacy Act considers the following information as sensitive:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Race, ethnic origin, marital status, age, color, and religious, philosophical or political affiliations;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Health, education, genetic or sexual life of a person, proceeding for any offense committed or alleged to have been committed by such person; and<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">TIN, SSS\/GSIS no., health records, licenses, tax returns, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Unless allowed or required by law or regulation, we will only collect your sensitive information with your consent.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>When will we notify you that we have received your information? <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">When we receive your personal information, we will take reasonable steps to notify you on how and why we collected your information, who we may disclose it to and how you can access it, seek correction of it or file a complaint. This notice may already be included in the form or document that you filled out and submitted to us.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">When we receive your personal data from third parties, we will take reasonable steps to notify you of the circumstances of that collection upon your request.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>How do we take care of your personal data? <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We store information in paper and electronic formats. The security of your personal data is important to us and we take reasonable steps to protect it from misuse, interference, loss, unauthorized access, modification, and unauthorized disclosure by establishing and enforcing:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Confidentiality requirements and data privacy training of our employees;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Document storage security policies;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Security measures to control access to our systems and premises;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Limitations on access to personal data;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Strict selection of third party data processors and partners; and<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Electronic security systems, such as firewalls and data encryption of our websites and mobile applications.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We may transfer and store your personal data physically or electronically with third party data storage providers. When we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>What happens when we no longer need your information? <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We will only retain your information for as long as necessary for the purpose for which they were collected or as required by law and regulation. We will destroy your personal data when its retention is no longer required by purpose, law or regulation.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>How do we use your personal data? <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We use your personal data for various reasons, mainly:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To comply with law and regulation (for KYC or client identification);<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To carry out our obligations arising from contracts entered between you and us;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To conduct our everyday business purposes (to process your transactions and maintain your account).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Because we offer a range of products and services, collecting your personal data allows us to provide you with the products and services you requested. This means we can also use your information to:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Consider your request for products and services, including eligibility;<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Process your application; and<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Conduct market research<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Will we use your personal data for marketing our products and services?<\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">With your consent, we may use your personal data to let you know about products and services that we believe may be of interest to you, including products and services from our related companies.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Such marketing activities may be via mail, telephone, SMS, email, or any other electronic means. We may also market our products to you through third party channels (such as social media sites), or via other companies who assist us to market our products and services.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">You can let us know at any time if you no longer wish to receive direct marketing offers.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>With whom do we share your personal data?<\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Sharing with the government <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">To comply with legal and regulatory mandates, we submit required information to government agencies, like the Bangko Sentral ng Pilipinas (BSP), Bureau of Internal Revenue (BIR), and Securities and Exchange Commission (SEC).<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Sharing with Credit Reporting Bodies <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Pursuant to Republic Act No. 9510 or the Credit Information System Act, we may disclose your personal and other relevant information to the Credit Information Corporation in connection with your application for and availment of a credit facility with us. This information may include data on your creditworthiness. With your permission, we may also share such information with other credit bureaus authorized by the Credit Information Corporation.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Sharing with other persons and entities <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Only after obtaining your consent, we may also disclose your information to third parties for marketing, cross-selling and other specified legitimate purposes. In instances where your information is shared with third parties, we will ensure that we would only share your data with entities that can demonstrate sufficient organizational, technical and physical security measures that can and will protect your personal data.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>How do you access or correct your personal data? <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Unless there are practical, contractual and legal reasons why we cannot process your request, you have the right to ask for a copy of any personal information we hold about you, as well as to ask for it to be corrected if you think it is wrong. To do so, please email RMBdataprivacy@rizalmicrobank.com.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Your rights as a data subject<\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Under the Data Privacy Act, you have the right:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To be informed \u2013 as a data subject, you have the right to be informed that your personal data will be, are being, or were, collected and processed.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To access \u2013 you have a right to obtain a copy of any information relating to you that we have on our computer databases and\/or manual filing systems. It should be provided in an easy-to-access format, accompanied with a full explanation executed in plain language.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To object \u2013 unless required by law, rules and other regulations, you have a right to object to the processing of your personal data, including processing for direct marketing, automated processing or profiling.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To erasure or blocking \u2013 you have the right to suspend, withdraw or order the blocking, removal or destruction of your personal data.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To be indemnified of damages \u2013 you may claim compensation if you suffered damages due to inaccurate, incomplete, outdated, false, unlawfully obtained or unauthorized use of personal data, considering any violation of your rights and freedoms as data subject.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To data portability \u2013 you have the right to obtain and electronically move, copy or transfer your data in a secure manner, for further use.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To rectify \u2013 you have the right to dispute and have corrected any inaccuracy or error in the data we hold about you.<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">To file a complaint \u2013 If you feel that your personal information has been misused, maliciously disclosed, or improperly disposed, or that any of your data privacy rights have been violated, you may file a complaint or any concern with our Data Protection Officer and\/or with the National Privacy Commission.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>If you have queries, requests and complaints <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Contact us <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">We care about what you think and we welcome your feedback. You can contact us:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">thru our Data Protection Officer: (082) 8894-9000 local 5774<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">by speaking to any RMB Branch officer or personnel nearest you;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><u>Data privacy requests and concerns <\/u><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">For your data privacy concerns and requests, you can email our <strong>Data Protection Officer <\/strong>at <strong>RMBdataprivacy@rizalmicrobank.com.<\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">You may also contact the <strong>National Privacy Commission <\/strong><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Email: info@privacy.gov.ph or complaints@privacy.gov.ph<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Address: 25th-27th Floors, The Upper Class Tower, Quezon Ave. Corner Scout Reyes Street, Quezon City, Philippines<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>RIZAL MICROBANK DATA PRIVACY NOTICE We at Rizal MicroBank (RMB) value your privacy. We believe that you are entitled to know how we use and protect your personal information. We give this notice to inform you of the ways in which we process your personal information and the means by which you can control, to [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":1763,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-fullwidth.php","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-650","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/pages\/650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":25,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/pages\/650\/revisions"}],"predecessor-version":[{"id":4244,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/pages\/650\/revisions\/4244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/media\/1763"}],"wp:attachment":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/media?parent=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}