Data Privacy Statement

This Data Privacy Statement (“Statement”), which has been prepared in relation to R.A. 10173, otherwise known as the Data Privacy Act of 2012, and its implementing rules and regulations, describes how personal information are collected, processed, disclosed, and stored by Encore Leasing & Finance Corp. (Encore) and is applicable to its employees and all persons who apply for or avail of any of Encore’s products and services (“Client”)

WHAT DATA TO BE COLLECTED FROM YOU
To provide the Client with Encore’s products and services and/or to implement Client-requested transactions, Encore shall collect personal information from the Client and co-maker/s which may include, but are not limited to:

• Name, Age, Date/Place of Birth, Gender, Civil Status, Nationality
• Address and Contact Details
• Identification numbers issued by government bodies or agencies
• Educational Background/li>
• Employment History
• Financial Background
• Specimen Signature
• Permits, Licenses & Registrations
• Status of Pending Civil/Criminal Cases (if any)
• Telephone conversation recordings through our Customer Care Center
• CCTV footage for security purposes

If deemed necessary, Encore may request to verify the Client’s personal information, or seek additional information from regulatory, judicial, tax authorities, or credit bureaus.

PURPOSES OF DATA PROCESSING Encore shall process the Client’s personal information in connection with any of the following purposes:

• Ease of contacting/communicating with clients;
• Evaluate, approve, provide, or manage applications, financial products and services, and other transactions that the Client has requested;
• Comply with know-your-customer information requirements;
• Conduct credit and background checks;
• Evaluate Client’s eligibility for Encore’s products and services;
• Perform profile and risk analysis;
• To carry out market research, profiling, analysis and statistical research, including satisfaction surveys;
• Provide extensive and quality support to the Client;
• Establish and defend legal rights;
• For internal purposes, such as administrative, operational, audit, credit and risk management, or;
• Comply with its reporting obligation to government authorities under applicable laws, rules and regulations.

CONSENT
To process the products and services we offer to you, we need to collect and gather additional personal information from third party. In this regard, this will serve as your consent and giving us the right to collect and gather information from any bank institutions, your employers, suppliers, agencies or any institutions you are related to in order to properly assess your application. Furthermore, you are allowing any of these above-mentioned institutions to disclose any information about you that will help us in the approval of your loan application.

ENCORE’S METHOD OF PROCESSING PERSONAL DATA
Processing refers to the collection, recording, organization, storage, updating or modification, retrieval, consultation, use, consolidation, blocking, erasure or destruction of personal information.
Encore shall collect personal information through, but not limited to, any of the following:

• Face-to-face and/or telephone conversation with Encore’s partners
• Accomplishment and/or signing of forms/documents

WHEN DO WE COLLECT PERSONAL INFORMATION
Encore collects information upon the Client’s application and availment of Encore’s products and services.

RECIPIENTS OF INFORMATION
Personal information may be processed and shared with various units within Encore to the extent necessary for any of the purposes herein declared, to credit information bureaus,or to government authorities under applicable laws, rules and regulations.

RETENTION AND DISPOSAL
Retention and disposal of personal information shall be made in accordance with Rule 9.B of 2016 Implementing Rules and Regulations of RA 9160, as amended, except when you are subject of a case where your personal information must be retained and safely kept beyond the five-year period until it is officially confirmed by the AMLC Secretariat that the case has been resolved, decided or terminated with finality.

HOW WE SAFEGUARD PERSONAL INFORMATION
The confidentiality and security of your personal information are very important to us. That is why we strictly enforce our privacy policy within the company and we have implemented technological, organizational and physical security measures that are designed to protect your information from unauthorized access, use, alteration and disclosure. We also put in effect safeguards such as:

• We keep and protect your information using a secured server behind a firewall, encryption and security controls; and
• We restrict access to your information only to qualified and authorized personnel who hold your information with strict confidentiality.

THE CLIENT’S RIGHTS
In accordance with the Data Privacy Act, the Client has the right to:

• Be informed whether their personal information shall or have been processed;
• Reasonable access to their personal information;
• Require Encore to update their personal information;
• Suspend, withdraw, or order the blocking, removal, or destruction of personal information if Encore is not required to retain it by law or for legitimate business purposes and subject to the conditions for the legitimate exercise of the said rights under the Data Privacy Act and its IRR.

DATA PROTECTION OFFICER
Any inquiry or request for information regarding this Statement may be addressed to the following:

Data Protection Officer
Mailing address – KM 114 Brgy Dicarma, Maharlika Hi-way, Cabanatuan City
Telephone number – 044-940-5625

PRIVACY POLICY CHANGES
Encore may update its Privacy Policy from time to time to comply with the changes in laws, rules and regulations and with our business requirements. We encourage you to frequently visit this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Last Updated: January 19, 2023