Sta. Ana Multipurpose Cooperative (SAMULCO) values your privacy and is committed to protecting your personal data. This Privacy Notice explains how we collect, use, store, and protect the information you provide when you apply for a loan through our online platform.

1. Personal Data Collected

When you apply for a loan online, we collect the following personal data:

• Full name
• Birthdate
• Contact information (address, email, phone number)
• Income information
• Online accounts details, if necessary
• Loan purpose and amount
• Other supporting documents or information required for credit evaluation

2. Purpose of Data Collection

Your personal data is collected and processed for the following purposes:

• To evaluate and process your loan application
• To verify your identity and creditworthiness
• To comply with legal and regulatory requirements
• To communicate updates and results of your application
• To prevent fraud and unauthorized transactions

3. Data Sharing and Disclosure

Your information may be shared with:

• Credit bureaus and regulatory agencies as required by law
• Internal departments of SAMULCO involved in processing your application

We do not sell or rent your personal data to third parties.

4. Data Protection Measures

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction, including:

• Secure servers and encryption
• Access controls and user authentication
• Regular data protection audits and staff training

5. Retention Period

Your personal data will be retained for as long as necessary to fulfill the purposes stated above, or as required by law or regulation. Once retention is no longer necessary, data will be securely disposed of or anonymized.

6. Your Rights

Under the Data Privacy Act, you have the right to:

• Access and correct your personal data
• Withdraw your consent at any time
• Request deletion or restriction of your data (subject to legal requirements)
• Lodge a complaint with the National Privacy Commission (NPC)

7. Contact Information

If you have questions, requests, or complaints regarding your personal data, please contact:

Data Protection Officer (DPO)
Sta. Ana Multipurpose Cooperative (SAMULCO)
Email: dpo@samulco.coop