The konek2CARD PLUS along with its developer, FDS ASYA PHILIPPINES, INC., is committed to protect and secure your privacy and information. We acknowledge and regard your right to know how we collect, use, and protect your personal information.

This data privacy policy may be updated as we deem necessary to ensure responsiveness with the latest Data Privacy requirement, coverage, and security innovations and keep the best security to your personal information. We encourage you to check for privacy policy updates, especially when notified. This privacy policy is available in our website and application for your information and reference.

This privacy policy is to inform our customers and other owners of personal data regarding our compliance to the privacy principle of: transparency, legitimate purpose, and proportionality, and such other relevant requirements in the collection, processing, storage, transmission and retention of personal data as required by applicable privacy laws that specifically include the Philippine Data Privacy Act of 2012 (“DPA”), and its implementing rules and regulations (“DPA IRR”). This also outlines how konek2CARD PLUS collects and processes your personal information during the use of konek2CARD PLUS’ platforms such as but not limited to its app and website.

Our Services

As a mobile financial application, we have established the following online services:

Daily transfers and payments – bills payment, money transfers, pay dues (dues of CARD MRI members)

Financial services - save money, cash-in, cash-out

Others - E-loading transaction, konek2CARD PLUS agent services

Why We Collect Your Personal Information

We collection your personal information in order to facilitate your transaction needs and for availment of our product and services available in konek2CARD PLUS, among others:

Process information to be used for data analytics, statistics, and research purposes to enhance customer experience and improve and innovate tailored products to meet user preferences and needs;

Display relevant ads related to our services and be able to evaluate effectiveness and reach of ads and services;

Be able to communicate products and/or advisories that are relevant to you; and

Follow any safety, security, public service, or legal or regulatory agency requirements and processes.

We collect your Personal Data abiding to the the rules and regulations of the Bangko Sentral ng Pilipinas and the regulation of the law regarding data privacy policy to ensure there will be no imminent harm to you and the public safety and security.

Before we use and process your information, we ensure that we ask for your consent especially when required by the law’s rules and regulations.

What Information Do We Collect

We may collect your personal data, as may be applicable, which will be used for your identification to prevent fraudulent actions that might occur in the application, among others. This information may include your personal information or sensitive personal information.

Personal Information (PI) includes any information that can be used to identify an individual, reasonably and directly ascertained, or when put together with other information would directly and certainly identify an individual. This may include name, date and place of birth, specimen signature or biometrics (fingerprint, face recognition, palm print, etc.), photo, present and permanent address, source of fund or income, name of employer or the nature or self-employment or business, contact details such as personal telephone number, personal mobile number and personal email address, mother’s maiden name, marital status, and location.

Sensitive Personal Information (SPI) is any information that falls under the category of personal information with higher security impact which we gather from the supporting documents presented, such as: government issued IDs and/or documents, cardholder data (CVV/CVC, Expiry Date) user credentials (i.e. username and password, PIN/MPIN, etc), IDs issued by private companies that are duly registered with the Securities and Exchange Commission, student IDs for those who are not yet of voting age (below 18 years old), and device ID.

The information we collect are as follows:

Personal User Information

We may collect your personal user information that will be used for your identification to prevent fraudulent actions to be made in our application. This may include:

Your name and personal information such as birthdate, contact details, and address for registration purposes;

Your account information and details such as card account number, loan account number, and customer identification with your bank or institution (e.g., CARD, Inc.);

Your username, password, PIN Code, biometrics, and/or other details used for authentication credentials for verification purposes;

Mobile phone number a) for sending of SMS as a formal notification of the transaction made in the application and b) in sending OTP for security and validation purposes; and

Email address to be used in the future as another medium to send the OTP or the formal notification of the transaction made in the application.

User Contact Information

We may collect your contact information for in application transaction notification. This may include:

Email and Mobile phone number for sending SMS as a formal notification of the transaction status made inside the application and sending OTP for security purposes

User Contact List

We may access your phone book contact list for user’s convenience when doing the following transactions:

For E-Load transactions in the app - user can import from his/her contact list instead of typing contact number; and

For filling out a transactional form in the app that requires a mobile number from the contact list (e.g., money transfers, agent assisted payment of CARD, Inc. Members’ dues, among others).

Device Information

We automatically gather the information of your device for tracking and preventing fraudulent transactions as well as for user credentials and identification. We collect the following items:

Device identification for tagging transactions with your device (e.g., client initiated payment, agent assisted payment);

Device location to be used to analyze if the transaction made with konek2CARD PLUS is fraudulent; and

Device model and manufacturer for performing analysis in determining fraudulent transactions.

Network Provider

We automatically check your network for the purpose of the following:

To know if your network supports our free data using VPN from third party provider, which is the sponsored data access in application browsing; and

To know if your network have enough connection strength to perform a transaction to prevent encountering an error during your transaction.

Camera, Photos and Files

We may request access to your camera, photos, and/or files for the following purposes:

To import or scan QR Codes for faster filling out of transactional forms (e.g., money transfers, agent-assisted cash-in or cash-out); and

For saving user identification and user settings.

Our Way of Collecting Personal Data

We may collect your Personal Data when you:

use our konek2CARD PLUS services even thru various channels;

disclose your personal information through phone calls, emails, SMS or verbal communication with our authorized representatives and partners; and,

visit and contact us through our official websites which may include website of our partners (i.e., CARD, Inc.).

Collection of your Personal Data rely to the fullest extent possible on the original source.

Security and Privacy of your Personal Data

Because we care about the security of your Personal Data, either in paper or electronic format, we take reasonable steps to protect it from misuse, interference, loss, unauthorized access, modification, and unauthorized disclosure by establishing and enforcing different security measures: technical, organizational, and physical.

Should there be a need to store your Personal Data with a third party data storage providers, we ensure to have a contract with providers containing appropriate measures that are aligned with FDSAP’s Data Privacy and Security Policy.

The Need to Share your Personal Data

In compliance with legal and regulatory requirement, there will be a need to submit your Personal Data to appropriate government agencies.

We may also disclose your Personal Data to our Affiliates, Partners and/or Contracted Third Party Service Providers for processing, marketing, research and other specified legitimate purpose only after obtaining your consent on such data sharing. When were are to share your Personal Data with other parties, we will ensure that it is secured and protected by ensuing an agreement for the data sharing which will demonstrate sufficient organizational, physical and technical security measures to protect your Personal Data.

Accessing or Correcting your Personal Data

We value and respect your rights provided in the terms of the privacy of your Personal Data under the Data Privacy Act of 2012.

You may access or correct your Personal Data subject to your request and lawful reasons and to the processing time in our end unless there will be legal or contractual reasons that would keep us from doing such. You may ask for a copy of any Personal Data we hold about you as well as to ask for it to be corrected should there be information you think is wrong.

Upon discovery and substantial evidence that your personal data is no longer required for the purpose or purposes for which it was collected, as well as in any other circumstances specified by the Data Privacy Act of 2012, you have the right to suspend, withdraw, or request the blocking, removal, or destruction of your personal data stored in our processing systems.

You have the right to seek indemnity for damages sustained, if any, due to inaccurate, incomplete, outdated, false, unlawfully obtained, or unauthorized use of your Personal Data.

Others

konek2CARD PLUS application also follows the standard Data Privacy Policy of the link below: