DATA PRIVACY STATEMENT

GENERAL STATEMENT

KCCDFI Mutual Benefit Association, Inc. ("KCCDFI MBA"), including its affiliates and subsidiaries, values the confidentiality of personal data and is committed to maintaining the privacy of its members. This Data Privacy Statement ("Statement") details how KCCDFI MBA uses and protects personal data in compliance with Republic Act No. 10173, also known as the Data Privacy Act of 2012 ("DPA"), and its Implementing Rules and Regulations. This Statement also outlines the privacy practices for members who apply for and obtain products and services from KCCDFI MBA, including, but not limited to, insurance, loans, remittances, and other offerings.

OUR PRIVACY PRACTICES

The privacy practices described in this Statement are primarily intended for individuals in the Philippines and comply with the provisions of the DPA. By accessing our services or interacting with our offices, you acknowledge and agree that your information may be collected, processed, and transferred within the Philippines following legal and regulatory standards for data protection.

WHAT DATA DO WE COLLECT FROM YOU

To provide financial and non-financial products and services and implement requested transactions, KCCDFI MBA collects personal information, including but not limited to:

  • Name, age, date/place of birth, gender, civil status, nationality
  • Address and contact details (home/business)
  • Area, Branch, and center affiliation
  • Religion
  • Source of income
  • Spouse information (e.g., name, citizenship, date of birth, occupation, contact number)
  • Legal dependents and children’s information (e.g., name, birthday, relationship, congenital disabilities)
  • Beneficiaries (e.g., name, birthday, relationship, contact details)
  • Specimen signature
  • Facebook page interactions with our Customer Service Manager
  • CCTV footage for security purposes
  • Valid IDs and photos
  • Regulatory numbers (HDMF/SSS/TIN/PhilHealth)

HOW WE USE YOUR INFORMATION

KCCDFI MBA uses your personal information for the following purposes:

  1. Evaluating eligibility for products and services.
  2. Maintaining or closing membership status with the association.
  3. Communicating updates regarding membership status.
  4. Processing claims and benefits under the member’s insurance policy.
  5. Complying with know-your-customer (KYC) requirements under Republic Act No. 9160 (Anti-Money Laundering Act of 2001).
  6. Segmenting members by demographics for analysis.
  7. Conducting data analytics to develop or improve insurance products and services.
  8. Performing risk profiling and assessment.
  9. Providing quality support to members.
  10. Managing internal administrative, operational, audit, and risk management functions.
  11. Other activities permitted by law or with your consent.

WHEN DO WE COLLECT PERSONAL INFORMATION

KCCDFI MBA collects personal information through the following methods:

  • Face-to-face and telephone conversations with KCCDFI MBA Customer Service Representatives.
  • Completion and signing of forms (e.g., application, transfer, claims validation, resignation forms).
  • Claims validation for insurance benefits.
  • Services provided to members, such as mass weddings, disaster relief programs, and document requests.
  • Registration on KCCDFI MBA’s IT platforms (e.g., chatbot, mobile applications, e-claims filing).

RECIPIENTS OF INFORMATION

We may share your personal information with our affiliates, subsidiaries, and third-party service providers for the purposes outlined above. Information may also be disclosed to government agencies, regulatory bodies, or courts for compliance with applicable laws, such as the Anti-Money Laundering Act or the Amended Insurance Code. When necessary, we outsource data processing to third parties with strict confidentiality obligations.

WE SAFEGUARD PERSONAL INFORMATION

KCCDFI MBA ensures the confidentiality, integrity, and security of personal information by implementing organizational, physical, and technical security measures in compliance with the DPA and the Amended Insurance Code.

HOW LONG DO WE KEEP YOUR INFORMATION

Personal information is retained for no longer than five (5) years from the resignation, termination, or completion of a specific transaction unless a longer retention period is required by law.

YOUR RIGHTS AS A DATA SUBJECT

KCCDFI MBA respects your rights to:

  1. Be informed about data processing.
  2. Object to the processing of your personal data.
  3. Access your personal data under our custody.
  4. Request correction of inaccurate or erroneous data.
  5. Suspend, withdraw, or order the deletion of your data from our records.
  6. Seek indemnification for any violation of your rights.

For inquiries or requests, please contact us using the details below.

HOW TO CONTACT US

For data privacy concerns, questions, or clarifications regarding this Statement, you may reach our Data Protection Officer at:

  • Email: kccdfimba.dpo@gmail.com
  • Telephone: (0945) 269-2776
  • Address: 2nd Floor KCCDFI Bldg., MCLL Highway, Guiwan, Zamboanga City

CHANGES TO OUR PRIVACY STATEMENT

We may amend this Statement periodically to ensure compliance with applicable laws and regulations. Updates will be posted on our website and distributed to all KCCDFI MBA offices.