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Our Commitment
To Privacy. Chinatrust [Philippines] Commercial
Bank Corporation values your trust and respects your
expectation of privacy. As such, we are committed in
maintaining the confidentiality of your personal financial
information.
To better protect your privacy, we
provide this statement explaining our online information
practices and the choices you can make about the way
your information is collected and used. This also outlines
our privacy practice for visitors who access our websites
as well as for consumers who have a continuing relationship
with us.
To make this statement easy to find,
we make it available on our homepage and at every point
where personally identifiable information may be requested.
Personally identifiable information includes:
Any information you provided to obtain
a financial product or service from us.
Any information resulting to transactions involving
a financial product or service between you and us
Or any information that we otherwise obtain in connection
with providing a financial product or service to you.
Throughout this statement, we refer Information as nonpublic
personal information.
Visitors
to Our Web Site. Visitors to our web site remain
anonymous, unless they register for a service or otherwise
elect to disclose their identity to us. Although we
do not collect personally identifying information about
persons who simply visit our site, we do collect certain
limited information about visitors, such as their IP
address (a numeric address assigned automatically to
computers when they access the Internet). We also may
place “cookies” on a computer to track a
visitor's use of our web site. A cookie is a piece of
data that is stored on your hard drive. It takes up
very little room on your system and helps us to customize
our site and make its navigation easier for you. We
sometimes use cookies to help estimate the number of
visitors to our site and to determine which areas are
the most popular. Unless you register with us for a
service (such as our NetBanking service), the cookie
does not provide us with any personally identifying
information about you, such as your name or address.
Our
Collection and Use of Information. We may collect
nonpublic personal information in order to understand
your needs, administer our business, process transactions,
and provide you with products and services. We obtain
nonpublic personal information from the following sources:
- Information you provided about yourself
in the application form or any other forms (personal
information collected such as name, street address,
email address, phone number, date of birth, assets,
income, and beneficiaries)
- Information about your transactions
with us, our affiliates, or others (such as your account
balance, payment history, parties to transactions,
and credit usage)
Information we receive from a consumer reporting agency
(such as your creditworthiness and credit history)
- We use personal information to
provide you information and samples you request, to
give you a customized interactive experience, and
to help us develop new products and services that
meet your needs.
We use personal information you provide
only for purposes consistent with the reason you provided
it.
Finally, we never use or share
the personally identifiable information provided to
us online in ways unrelated to the ones described above
without also providing you an opportunity to opt-out
or otherwise prohibit such unrelated uses.
Our
Disclosure of Nonpublic Personal Information. We
may disclose information we collect, as described above,
to other financial institutions with which we have joint
marketing agreements, such as securities broker-dealers,
insurance agents, and card issuers, so that they can
market goods and services to you. We will not disclose
account numbers, and/or credit related information obtained
in a credit report or provided in a credit application.
We may also disclose:
- Some of this information,
such as your name and address, to companies that perform
marketing services on our behalf (e.g., to companies
that assist us with mailings).
- Information about your accounts
and transactions:
- Where it is necessary
or helpful to effect, process or confirm your
transactions
- To verify the existence,
history and condition of your account for credit
reporting agencies
- To comply with legal
process, such as subpoenas and court orders
- To law enforcement authorities
if we believe a crime has been committed
- If you give us your consent
We do not disclose nonpublic
personal information about our current or former customers
to unaffiliated third parties except as set forth in
this notice or as permitted by law.
How
You Can Access Or Correct Your Information. We
have procedures that help us to maintain the accuracy
of the personally identifiable information that we collect.
We use this procedure to better safeguard your information.
You can correct factual errors in your
personally identifiable information by sending us a
request that credibly shows error to:
Chinatrust [Philippines]
Commercial Bank Corporation
Or you may contact your Branch of account.
If you are an Online Banking customer, you may review
your information by visiting our website (http// www.chinatrust.com.ph).
To protect your privacy and security,
we will also take reasonable steps to verify your identity
before granting access or making corrections.
Our
Commitment To Data Accuracy. Chinatrust
strives to keep your personal information accurately
recorded. We have implemented technology, management
processes and policies to help maintain data accuracy.
Chinatrust provides employees with reasonable access
to personal information and the reasonable ability to
review and correct it or ask for blockage, or deletion,
as applicable. To protect your privacy and security,
we also take reasonable steps to verify your identity,
such as requiring a password and user ID, before granting
access to your data.
Our
Commitment in Keeping your Personal Information Secure.
Chinatrust takes seriously the trust you place
in us. To prevent unauthorized access or disclosure,
to maintain data accuracy, and to ensure the appropriate
use of the information, the Bank utilizes appropriate
physical, technical and administrative procedures to
safeguard the information we collect.
We use a "3 strikes and you're
out" lock-out mechanism to deter users from repeated
login attempts. After three unsuccessful login attempts,
the system locks the user out, requiring either a designated
wait period or a phone call to the bank to verify the
password before re-entry into the system. Upon successful
login, the system authenticates the user's identity
and establishes a secure session with that visitor.
For added protection, do not reveal
your password and/or Log-in ID to anyone. If for any
reason you feel that your password / PIN have been compromised
we strongly suggest changing it.
Links
to non-Chinatrust websites. Our
web site may provide links to third-party web sites
that offer goods, services or information for your convenience.
Some of these sites may appear as windows-within-windows
at this site. If you access those links, you will leave
the Chinatrust website. Chinatrust does not control
those sites or their privacy practices, which may differ
from our practices. We do not endorse or make any representations
about third-party websites. The personal data you choose
to provide to or that is collected by these third parties
is not covered by this Privacy Statement. We encourage
you to review the privacy policy of any company before
submitting your personal information.
Services
and Advertisements by Third Parties. Third
parties may offer services from time to time at our
web site. If you provide them with information, their
use of that information will be subject to their privacy
policy, if any, and will not be subject to this policy.
If you accept third party goods or services advertised
at our web site, the third party may be able to identify
that you have a relationship with us (e.g., if the offer
was only made through our site).
Our
Commitment To Children's Privacy. We
feel strongly about protecting the privacy of children
and teenagers. For that reason, we never collect or
maintain personally identifiable information at our
website from those we actually know are minors (under
18 years of age).
Changes
to this Policy. We may add to, delete from,
or otherwise change the terms of this Privacy Statement
from time to time by posting a notice of the change
(or an amended Privacy Statement) at this website. If
required by law, we will send you a notice of the change.
Your continued use of our web site or any on-line service
following notification will constitute your agreement
to the revised Privacy Statement.
How
To Contact Us. Should
you have other questions or concerns about this Privacy
Statement, please call us at (02) 840 1234; 1800 10
8401234 (Domestic Toll-Free) or send us an email at
customercare@chinatrust.com.ph
or write us at Chinatrust [Philippines] Commercial Bank
Corporation, Attn: Customer Care Center, 3rd Floor,
Tower One & Exchange Plaza Ayala Triangle, Ayala
Avenue corner Paseo de Roxas, Makati City.
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