UBI Data Privacy Policy (Philippine Banking Law Compliant)
The Unilink Bank website, owned by Unilink Bank, Inc. (UBI), operates as a Personal Information Controller (PIC) as defined by the Data Privacy Act of 2012 (Republic Act No. 10173, or DPA).
UBI's Privacy Policy outlines its processing of collected information and the basis for gathering personal data. Individuals must read this policy before using the Unilink Bank website. UBI is committed to protecting personal data, ensuring its confidentiality and security, in compliance with the DPA and relevant issuances by the National Privacy Commission (NPC) and Bangko Sentral ng Pilipinas (BSP).
Personal Information Collected
When individuals visit the Unilink Bank website, UBI automatically collects device information. This includes web browser, IP address, time zone, and installed cookies. As individuals browse, UBI also collects data on viewed pages or products, referring websites or search terms, and site interaction. This is "Device Information." Additionally, UBI may collect personal data (e.g., Name, Surname, Address, payment information) provided during registration to fulfill agreements, in accordance with the principles of transparency, legitimate purpose, and proportionality under the DPA.
Client Consent
Unilink Bank is committed to protecting personal data in accordance with the DPA. The bank collects, uses, and processes personal data solely for declared, specified, and legitimate business purposes, ensuring transparency, fairness, and respect for individual rights.
To provide its services, Unilink Bank may need to collect and process personal data, including name, contact, and financial information. The bank uses this information only for its specific collection purpose, and it will not share it with third parties without explicit, informed consent, unless otherwise permitted by law or required for legal obligations (e.g., Anti-Money Laundering Act, Credit Information System Act).
Unilink Bank requests consent to collect, use, and process personal data for service provision. By signing, individuals acknowledge they've read, understood, and agree to the data collection and processing outlined, as permissible under Philippine law.
Why Data is Processed
Customer data security is a top priority for Unilink Bank. The bank processes minimal user data, only what's necessary to maintain the website and fulfill its banking functions. Automatically collected information identifies potential abuse and generates website usage statistics. This statistical data isn't aggregated to identify specific users.
Individuals can visit the website without revealing their identity or any identifiable information. However, to use certain features, receive the newsletter, or provide details via a form, they may provide personal data like email, name, address, or phone number. Opting not to provide personal data may limit access to some website features, such as the newsletter or direct contact. Users unsure about mandatory information can contact Unilink Bank at unilinkbank@gmail.com.
Processing of personal data is primarily based on:
Consent: Freely given, specific, and informed consent from the data subject.
Contractual Necessity: Essential for fulfilling contracts with the data subject or taking steps prior to entering a contract.
Legal Obligation: Required for compliance with legal obligations to which UBI is subject, including regulations from the BSP and NPC.
Legitimate Interests: When necessary for the legitimate interests of UBI or a third party, provided such interests are not overridden by the fundamental rights and freedoms of the data subject.
Your Rights (as Data Subjects under DPA)
If an individual is a data subject in the Philippines, they have the following rights related to their personal data under the DPA:
The Right to Be Informed: To be notified whether personal data pertaining to them shall be or have been processed.
The Right to Object: To object to the processing of their personal data.
The Right to Access: To demand reasonable access to their personal data.
The Right to Rectification: To dispute the inaccuracy or error in the personal data and have UBI correct it immediately and accordingly.
The Right to Erasure or Blocking: To suspend, withdraw, or order the blocking, removal, or destruction of their personal data.
The Right to Damages: To be indemnified for any damages sustained due to inaccurate, incomplete, outdated, false, unlawfully obtained, or unauthorized use of personal data.
The Right to Data Portability: To obtain a copy of their personal data in an electronic or structured format, if processed through electronic means.
The Right to File a Complaint: With the National Privacy Commission (NPC) for violations of their data privacy rights.
If an individual would like to exercise these rights, they can contact Unilink Bank through the contact information provided below.
Links to Other Websites
The Unilink Bank website may link to other sites not owned or controlled by UBI. UBI is not responsible for these external websites or third-party privacy practices. Individuals should be aware when leaving the Unilink Bank website and review the privacy statements of any site collecting personal information.
Information Security
Unilink Bank secures provided information on controlled, secure computer servers, protected from unauthorized access, use, or disclosure. The bank maintains reasonable administrative, technical, and physical safeguards against unauthorized access, use, modification, and disclosure of personal data under its control and custody, in compliance with BSP regulations on information security. However, no internet or wireless network data transmission can be guaranteed completely secure.
Legal Disclosure
Unilink Bank will disclose collected, used, or received information if legally required or permitted, such as to comply with a subpoena, court order, or similar legal process, or when it believes disclosure is necessary to protect its rights, ensure personal or others' safety, investigate fraud (including under the Anti-Financial Account Scamming Act (AFASA)), or respond to a government request. This includes disclosures to the Bangko Sentral ng Pilipinas (BSP) and other relevant regulatory or law enforcement bodies as mandated by Philippine laws, such as the Anti-Money Laundering Act (AMLA) and the Credit Information System Act (CISA).
Contact Information
To understand this Policy better or address matters relating to individual rights and Personal Information, individuals can email Unilink Bank at info@unilinkbank.com.
