Data Privacy Consent


Credit Cards & Loans

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In compliance with the requirements of the Data Privacy Act, we would like to secure your consent on the general use and sharing of information1 obtained from you in the course of your transaction/s2 with any member of the BDO Group3 or from third parties and BDO partners.4  Your information may be collected, processed, stored, updated, or disclosed by the BDO Group to its members, governmental authorities,5 third parties and BDO partners: (i) for legitimate purposes,6 (ii)  to implement transactions which you request, allow, or authorize, (iii) to offer and provide new or related products and services of any member of the BDO Group or third parties and BDO partners, and, (iv) to comply with the BDO Group’s internal policies and its reporting obligations7 to governmental authorities under applicable laws.8


Such information may continue to be collected, stored, processed and/or shared for five (5) years from the conclusion of your transactions with any member of the BDO Group or until the expiration of the retention limits set by applicable law, whichever comes later.


Should you also wish to access, update, or correct certain personal information, or withdraw consent to the use of any of your information, you may communicate it through   Likewise, you may file complaints with, and/or seek assistance from the National Privacy Commission.


Please be assured that BDO is committed to ensuring the confidentiality of your information under Republic Act No. 1405 or the “Bank Secrecy Law,” Republic Act No. 8791 or the “General Banking Law of 2000,” and Republic Act No. 6426 or “The Foreign Currency Deposit Act” subject to Applicable Law, and will exert reasonable efforts to protect against unauthorized use or disclosure.


For complete reference on the Data Privacy Act, you may access the National Privacy Commission Website at






1 Information refers to Personal or Sensitive Personal Information that includes your name, address, gender, age, marital status, contact details, birthday, SSS/GSIS, TIN, education, employment information, financial information, medical information, spouse details, preferences, behavior, and other information classified as “personal data,” “personal information,” or “sensitive personal information” under the Data Privacy Act, and those of your authorized representatives, as well as accounts, transactions, and communications.


2 Transaction means any transaction, business, or other form of contractual or commercial relationship between you and any member of the BDO Group or third parties and BDO partners.


3 BDO Group refers to BDO, its parent, subsidiaries, affiliates, and their respective representatives and agents.


4 Third parties and BDO Partners refer to persons and entities (local or overseas) who:

  • Process information, transactions, services, or accounts, on behalf of the BDO Group (including but not limited to courier agencies; telecommunication information technology companies; payment, payroll, collection, training, and storage agencies; entities providing customer support, and other similar entities);
  • Require the information for market research, product and business analysis, audit and administrative purposes, for offering of products and services, or for marketing or advertising activities undertaken by the BDO Group;
  • Acquire or will acquire the rights and obligations of any member of the BDO Group;
  • Are in negotiation with any member of the BDO Group in connection with the possible sale, acquisition or restructuring of any member of the BDO Group.


5 Governmental authority means the government of the Republic of the Philippines or a foreign country, as may be applicable, or any political subdivision thereof, and any entity exercising executive, legislative, judicial, regulatory, or administrative functions of or pertaining to the government.


6 Purposes include but are not limited to credit and risk management, know your customer checks, prevention and detection of fraud or crime, system or product development and planning, cross-selling, direct marketing, profiling, complaints management, insurance, audit and administrative purposes, and relationship management.


7 Reporting obligations means obligations of the BDO Group to comply with (a) Applicable Law, and internal policies or procedures, or (b) any demand and/or requests from Government Authorities for purposes of reporting, regulatory trade reporting, disclosure or other obligations under Applicable Law.


8 Applicable Law refers to any statute, law, constitution, regulation, rule, ordinance, order, decree, directive, guideline, policy, requirement or other governmental restriction or any similar form of decision of, or determination of any of the foregoing by, any national, regional or local government or political subdivision, commission, authority, tribunal, agency or entity of the Republic of the Philippines or a foreign country, as may be applicable.