1. What Information We Collect

• Personal Identification: Name, date of birth, gender, nationality, civil status, beneficiaries (including date of birth and relationship), referrals
• Contact Details: Home address, mobile number, email address
• Government-issued IDs: TIN, SSS/GSIS, PhilHealth, UMID, National ID
• Financial Information: Income source, credit history, employment details, bank accounts (if required)
• Medical Records (if applicable): Health history, diagnoses, confinements
• Biometric Information: Signatures, fingerprints, or photos (if required)
• Business Information (partners): Authorized representatives, TELEMCO MPC ID

2. Why We Collect Your Information

• Savings & credit services (member enrollment, account management, loan evaluation and collection)
• Healthcare services (membership verification, claims processing)
• Business transactions and partner due diligence
• Regulatory compliance and reporting (CDA, BIR, AMLC, PhilHealth, etc.)
• Member support, communications, risk management and internal controls

3. How We Collect Your Information

• Membership or loan application forms (physical or digital)
• Online platforms and mobile applications
• Interviews and membership interactions
• Business transactions, referrals and authorized third parties
• Cookies and web analytics (for online users)

4. Who We Share Your Data With

We may share your information with trusted parties for the purposes listed above, subject to strict controls and agreements:

• Government regulators (CDA, BIR, AMLC, DOH, etc.)
• Insurance and healthcare providers
• Credit bureaus and collection agencies
• Legal representatives and auditors
• Business partners (with data sharing agreements)
• Technology service providers (core systems, IT security)

5. How We Protect Your Data

We apply reasonable organizational, physical and technical safeguards, including access controls, encrypted storage/transmission, secure filing, routine privacy audits, and staff training.

6. Your Rights as a Data Subject

• Be informed about how your data is processed
• Object to or withdraw consent at any time
• Access, correct, or update your information
• Request data portability (receive a structured copy)
• Request erasure or blocking of data no longer necessary
• File a complaint with the National Privacy Commission (NPC)

7. Data Retention

Your personal data will be retained only for as long as necessary to fulfil the stated purpose or as required by law, after which it will be securely disposed of or anonymized.

8. Contact Us

If you have concerns about how your personal data is processed, please contact our Data Protection Officer or file a complaint with the NPC.