Why do we process your Personal Information?
§ Process your transaction(s) whenever you avail of our products and services;
What we collect?
When you interact with us we may collect personal information that identifies you as an individual or relates to you as an identifiable individual. Personal information we collect may include:
§ Government identifiers (such as ID, passport number, TIN number, SSS number, or driver's license number);
§ Transaction information (such as name and other information about you and the party on the other side of your transaction;
§ Contact information such as name, address, telephone number, or email address;
§ such other personal information as we may collect with your consent or as permitted or required by law.
We collect your personal information directly from you and/or from the party on the other side of your transaction, as applicable. Generally, personal information is collected from you on transaction forms, or at our websites or mobile applications when you request our products or services, manage your online account(s), or enroll in the Raquel Pawnshop Loyalty Card Program or manage your account(s) and preferences. We may also collect information about you from third-party reference sources, vendors, and clearinghouse services as part of our verification processes or otherwise in connection with your use of our products or services.
How we use it?
We use personal information for our legitimate business interest, including to:
§ Complete your transactions, respond to your questions and provide you with customer service;
§ Send you transactional and other administrative messages;
§ Operate and grow our business (e.g., conduct data analysis; audit our activities; develeop new products; enhance improve and modify our services; identify usage trends; determine the effectiveness of our promotional campaigns);
§ Monitor and prevent fraud, money laundering, abuse, and other actual and potential prohibited or illegal activities.
§ Meet legal, auditing , regulatory, insurance, security and processing requirements;
§ Respond to court orders and legal investigations or report to credit bureaus;
§ For our marketing purposes such as to offer our or our agents' products and services to you, and to tailor offers, coupons, and incentives we believe may be of interest to you;
§ For joint marketing with other financial companies;
§ For our affiliates' everyday business purposes;
§ For our affiliates to market to you;
§ For non-affiliates such as our agents to market to you;
§ Cooperate with legal enforcement, or for other legal reasons
§ Enforce our terms and conditions; and
§ Protect our rights, privacy, safety or property, and/or that of our affiliates, you or others
We may also use information in other ways with your consent or as permitted or required by applicable law.
Who we share it with?
Subject to your consent where required by law or as otherwise as permitted by law, we may disclose your information we collect to our affiliated legal entities, our agents, third party service provides and others as described below:
§ To organizations which help us process transactions, validate or verify customer information and identification, and to prevent or investigate matters related to security, debt, fraud, theft or loss;
§ To companies which help us run or improve our business(es) or third-party service providers which help us deliver products and services to you;
§ To banks, financial institutions, payment card companies, and credit reference agencies;
§ To comply with legal, regulatory, security and processing requirements, national and foreign governmental requirements applicable to us or our affiliates or service providers, including but not limited to anti-money laundering, counterterrorism or anti-fraud;
§ As permitted or required by law.
We may disclose information about current and former customers to perform marketing, business analysis and advertising services to unaffiliated companies with whom we have contractual or joint marketing arrangements.
Choice and Consent
RPI will not use, disclose or otherwise process personal information about you in ways incompatible with the ones described above without informing you and offering you a choice. You may choose whether to receive direct marketing offers from RPI. To the extent that applicable law requires express consent or "opt-in" for the collection and use of certain types of personal information, RPI will maintain processes and procedures to ensure such information is collected with express consent. In any event, each promotional email message or SMS we send you will also contain instructions on how to unsubscribe.
Accuracy and Access
We will take reasonable steps to verify your identity before granting you access or enabling you to make corrections.
How long we keep Personal Information?
Confidentiality and Data Security
Preventing Identity Theft
When you use our websites, we automatically collect certain standard technical information. Examples of this standard type of information include the type of Internet browser you use, the files you requested, the domain name and location from which you request information. We use this type of technical information to improve our website, to make our website function correctly, and to better understand how visitors use our website. As part of our efforts to protect consumers from fraud, this information is also used to authenticate users to the website, if necessary.
Our websites may be linked to or from third-party websites. RPI is not responsible for the content or privacy practices of websites that are linked to or from our websites
Changes to the Policy
168 Quezon Avenue, Brgy. 7