Privacy Policy

1. Introduction

Southeast Country Bank, Inc. (SECBank), a Rural Bank, is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile banking application, or engage with our banking services.

By using our services, you consent to the data practices described in this policy. We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data.

2. Information We Collect

We may collect the following types of information:

Personal Information

• Full name, date of birth, and gender
• Contact information (address, phone number, email)
• Government-issued identification numbers
• Financial information (income, employment details)
• Account and transaction history
• Biometric data (for mobile banking authentication)

Technical Information

• IP address and device information
• Browser type and operating system
• Cookies and similar tracking technologies
• Usage data and browsing patterns

3. How We Use Your Information

We use the collected information for the following purposes:

• To process and manage your banking transactions
• To verify your identity and prevent fraud
• To comply with legal and regulatory requirements
• To communicate with you about your accounts and services
• To improve our products, services, and customer experience
• To send promotional materials (with your consent)
• To conduct research and analysis for business development

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

• Regulatory Compliance: With the Bangko Sentral ng Pilipinas (BSP), Anti-Money Laundering Council (AMLC), and other regulatory bodies as required by law
• Service Providers: With trusted third-party service providers who assist in our operations (subject to confidentiality agreements)
• Legal Requirements: When required by court order, subpoena, or other legal processes
• Business Transfers: In connection with mergers, acquisitions, or sale of assets
• Credit Bureaus: With credit information corporations as permitted by law

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure Socket Layer (SSL) technology for online transactions
• Multi-factor authentication for account access
• Regular security assessments and audits
• Employee training on data protection practices
• Physical security measures at our facilities

6. Your Rights

Under the Data Privacy Act of 2012 (Republic Act No. 10173), you have the following rights:

• Right to be Informed: To know how your data is being processed
• Right to Access: To obtain a copy of your personal data
• Right to Rectification: To correct inaccurate or incomplete data
• Right to Erasure: To request deletion of your data (subject to legal retention requirements)
• Right to Object: To object to certain processing activities
• Right to Data Portability: To receive your data in a structured format

7. Cookies Policy

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our website. You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of certain features.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Banking records are retained in accordance with BSP regulations and other applicable laws.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer: