DATA PRIVACY STATEMENT
Maintaining your privacy is an important part of our products and services. This Privacy Statement hereafter referred to as “Statement”, explains how we collect, protect, use, and share information when you access our websites and/or apply for and avail of our products and services.
This Statement outlines the general practices of RDR Credit Assistance Corp (“RDR”) in relation to our processes and content, which are made available through our network of websites, our online and mobile applications, and social media pages (collectively referred to as “websites”). This Statement also covers the privacy practices for our customers who apply for and obtain services from us, such as, but not limited to, BUSINESS LOAN APPLICATION and other such products and services that RDR may offer from time to time.
The privacy practices described in this Statement are primarily intended for individuals in the Philippines. They are designed to comply with the Data Privacy Act of 2012 (R.A. 10173) and its implementing rules and regulations. When accessing our websites and/or availing of our services from outside the Philippines, you acknowledge and agree that your information may be transferred to and processed in the Philippines following legal and regulatory standards for data protection that may differ from your current or home jurisdictions.
When you apply for or avail of the service that RDR offers or 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, birthdate, and education;
government ID details;
financial information (such as income, expenses, balances, investments, tax, insurance, financial and transaction history, etc);
business interests and assets;
process and submit your applications to our financing partner
respond to queries, requests, and complaints, and improve how we interact with you;
reach out to you regarding products and services information, including offers, promotions, discounts, and rewards; and for personalizing your experience with our various touchpoints such as branches, call center, telemarketing, email, messaging, and other channels;
determine the effectiveness of our marketing efforts and initiatives;
perform other such activities permitted by law or with your consent.
We may share personal information with various units within RDR to better understand how you use our products and services. This will allow us to improve our services and offer you opportunities to obtain other useful products and services that may deliver greater value to you.
We may share information with our subsidiaries and affiliates to offer you additional products and services that interest us.
We may share with third parties that we engaged in supporting us in delivering our services to you. These may involve anonymous or aggregated information to help improve our products, services, and content.
To facilitate your application with the concerned subsidiary/ies or affiliate/s;
To validate, consolidate or update your customer information records and/or credit history;
To send you reminders, announcements, promotions, offers, invitations, and other notifications;
To enroll you in loyalty or similar client-oriented programs of RDR and its subsidiary/ies or affiliate/s;
For research purposes or to design financial, investment, or other related products or services for your use;
For promotional and/or marketing activities of RDR or the concerned subsidiary/ies or affiliate/s; and/or not to send you marketing materials via email or SMS; not to share your information with our subsidiaries and affiliates or 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; to provide you with information that we currently have about you subject to restrictions applied to us as a company operating in the Philippines by certain laws and regulations; to update your information; about your other concerns relating to how we collect, share, protect, or dispose of your information.
About an individual’s race, ethnic origin, marital status, age, color, and religious, philosophical, or political affiliations;
About an individual's health, education, genetic or sexual life of a person, or to any proceeding for any offense committed or alleged to have been committed by such person, the disposal of such proceedings, or the sentence of any court in such proceedings;
Issued by government agencies peculiar to an individual, which includes, but is not limited to, social security numbers, previous or current health records, licenses or their denials, suspension or revocation, and tax returns; and
Specifically established by an executive order or an act of Congress to be kept classified.
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 services, we also collect information about your transactions and dealings which include your account activities, movements, and interactions with third parties such as, but not limited to, merchants, utility companies, and your suppliers and clients.
We may also collect, use and keep your personal opinions or comments made known to us via feedback or responses to surveys or any other interaction that you had with our employees, authorized representatives, agents, and service providers.
Utilization of Information
We use the information collected to deliver and provide the products and services that you have availed to:
Consented Disclosure of Information
We may share your personal information with our subsidiaries, affiliates and third parties, under an obligation of confidentiality.
Further, if you are, become, or apply to become a client of any of our affiliates, RDR and the affiliate/s concerned have the option, but not the obligation to, rely upon, use, and share your relevant personal and/or account information for any of the following purposes:
We may transfer, store, and/or process your data outside the Philippines. In doing so, we will comply with the Data Privacy Act and its implementing rules and regulations. We wish to assure you that we do not, and will not, sell personal data to any third parties. All our engagements with third parties shall be fully compliant with our obligation of confidentiality imposed on us under the applicable agreements and/or terms and conditions or applicable laws that govern our relationship with you.
Privacy of 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 handle your information properly. Whenever we engage other companies to provide services, we require them to protect personal information aligned with our security standards.
Retention of 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 remain in effect and until it is no longer required nor necessary to keep your information for any other legal, regulatory or business purposes.
Rights to Privacy of Information
In respecting your privacy rights, you may opt to tell us:
For any queries, clarifications, or requests on any aspect of this Statement, the exercise of your rights about your personal information or to provide any feedback that you may have about our processing of personal information, please email us at email@example.com.
Modification of Data Privacy Statement
We may modify or amend this Data 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. Any relevant updates will be posted on the RDR website.
Personal Information/Data - refers to any information, whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information or when to put together with other information would directly and certainly identify an individual.
Sensitive Personal Information/ Data - refers to personal information: