JK Capital Finance Privacy Policy

Our Commitment to Privacy

We comply with Republic Act No. 10173 (Data Privacy Act of 2012), its Implementing Rules and Regulations, Republic Act No. 1405 (Law on Secrecy of Bank Deposits), and all other applicable Philippine data privacy laws, as well as regulations of the Bangko Sentral ng Pilipinas and other relevant authorities. Protecting your privacy is both our legal duty and our commitment to you as our client.

Information We Collect

We collect personal and non-personal data when you visit our website, apply for products or services, submit inquiries or complaints, or interact with us in person or by phone.

Identification & Contact Data
- Name
- Address
- Email
- Mobile Number
- Birthdate
- Educational Background
- Specimen signatures

Government IDs
- TIN
- SSS/GSIS numbers
- Driver’s License, other IDs

Financial & Employment Details
- Income
- Expenses
- Deposits
- Investments
- Credit Card Info
- Employer
- Position

Office Visit Records
- CCTV footage and access logs

Voice Recordings
- Calls recorded upon your consent

Transaction Data
- Payment history with merchants
- Utilities
- Third-party services

Device & Usage Data
- IP address
- Browser
- operating system
- Cookies
- Analytics

Why We Collect Your Data

To process and service your loan applications
To assess creditworthiness and manage accounts
To comply with legal and regulatory obligations
To conduct market research, profiling, and analytics
To communicate updates, offers, and support

How We Obtain Consent

We secure your explicit, informed consent before collecting sensitive data
You can withdraw consent anytime through our DPO or via our website

How We Use Your Data

Deliver requested products and services
Prevent fraud and ensure security
Generate internal reports and fulfill regulatory reporting
Personalize offers and conduct A/B testing for marketing purposes

Who We Share Your Data With

We share your information strictly on a need-to-know basis under confidentiality terms:

Affiliates & Service Providers
- - IT support
  - Payment processors
  - Marketing agencies

Regulatory & Law Enforcement
- - BSP
  - NPC
  - SEC
  - AMLC
  - Courts (as required)

Credit Reference Agencies
- - Credit Information Corporation
  - Private credit bureaus

Contractual Partners
- - Appraisers
  - Insurers
  - Debt collectors (with your consent)

Cross-Border Transfers

Data may be transferred to countries with adequate protections
We use Standard Contractual Clauses, Binding Corporate Rules, or obtain your consent for other transfers

Cookies & Web Analytics

We use cookies and third-party tools to gather anonymous usage data
You can manage or disable cookies via your browser settings

How We Protect Your Data

Technical Controls: Encryption in transit and at rest, firewalls, multi-factor authentication
Organizational Measures: Appointed DPO, privacy policies, regular staff training
Physical Security: Secure offices, CCTV monitoring, locked storage for physical records

Data Retention & Disposal

We retain your data only as long as necessary for its purpose and legal requirements
Secure disposal methods: shredding physical documents, cryptographic erasure of electronic files

Your Rights

Under the Data Privacy Act, you may exercise:

- Right to be informed
- Right to access
- Right to rectification
- Right to erasure or blocking
- Right to object (including the use of your personal information for research and marketing collaterals)
- Right to data portability
- Right to damages
- Right to file a complaint with the National Privacy Commission

Exercising Your Rights & Contact Information

To submit requests or inquiries, contact our Data Protection Officer:

Email: dpo@jkcapital.com.ph
Phone: (02) 523 821-191 loc. 123., 09985874939
Address: Unit 3302-D, West Tower, Tektite Towers, Exchange Road, Ortigas Center 1605

Changes to This Policy

We may update this Privacy Policy to reflect legal or business changes. The “Last Updated” date below indicates when any changes took effect. We encourage you to review this page periodically.