Privacy Policy
Introduction
The International Bank of Maharlika (IBM) is committed to protecting the privacy and security of our customers' personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information.
Information We Collect
1. Personal Information
- Name, address, email address, phone number
- Date of birth, gender, nationality
- Identification documents (e.g., passport, driver’s license)
2. Financial Information
- Account numbers, transaction history, payment details
- Credit and debit card information
- Loan and credit history
3. Technical Information
- IP address, browser type, and operating system
- Login details, browsing history on our website
- Cookies and similar tracking technologies
How We Use Your Information
1. To Provide Services
- Opening and managing your accounts
- Processing transactions and payments
- Providing customer support and responding to inquiries
2. For Communication
- Sending notifications, updates, and promotional materials
- Conducting surveys and feedback requests
- Informing you about changes to our services and policies
3. For Security and Compliance
- Detecting and preventing fraud and unauthorized activities
- Complying with legal and regulatory requirements
- Conducting audits and security assessments
Information Sharing and Disclosure
1. With Your Consent
- We may share your information with third parties when you have provided explicit consent.
2. With Service Providers
- We share information with trusted service providers who assist us in delivering our services, under strict confidentiality agreements.
3. For Legal Reasons
- We may disclose your information to comply with legal obligations, court orders, or to protect our rights and property.
Data Security
1. Protection Measures
- We use advanced security measures to protect your information from unauthorized access, alteration, or disclosure.
- Regular audits and security updates are conducted to maintain high standards of data protection.
2. Retention of Information
- We retain your information for as long as necessary to fulfill the purposes outlined in this policy or as required by law.
Your Rights
1. Access and Correction
- You have the right to access and update your personal information.
- Requests for access or correction can be made through our customer service channels.
2. Opt-Out
- You can opt-out of receiving promotional communications at any time by following the unsubscribe instructions in the emails or contacting us directly.
3. Data Deletion
- You may request the deletion of your personal information, subject to legal and contractual obligations.
Changes to This Privacy Policy
IBM reserves the right to update or modify this Privacy Policy at any time. Any changes will be posted on our website, and we will notify you of significant updates through appropriate channels.