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As a valued Metrobank depositor,  you have been pre-qualified for a card. We just need some more information to complete your credit card application.

Ensure this matches the email address provided above 

I understand and agree to the **Privacy Policy & Terms of Use** of Metrobank

# Privacy Policy  
  
## Metrobank's Commitment to Privacy.

Metrobank maintains a policy of protecting your right to privacy regarding the collection and use of your personal data on this website. Our privacy policies apply to all visitors of this site whether or not you are our customer using our internet-related services, or just visiting our website. We safeguard all information that you may provide us.

In general, you can visit Metrobank website without revealing any information about yourself. Metrobank does collect technical information regarding visits to our website, such as IP address, browser type, operating system, and average time spent, to measure usage, audit logs and improve the content of our website. We analyze these data for trends and statistics to help us provide you with better and secure service.

All information you provide herein will only be used for Metrobank purposes only subject to applicable Philippine laws, rules and regulations such as that of the Bangko Sentral ng Pilipinas (BSP) and the National Privacy Commission, among others. It will not be shared with outside individual or any other company, such as direct mail organizations or other third parties, unless required by law. However, Metrobank reserves the right to share such information with its parent company and affiliates and may need to provide your name and delivery address to third parties that Metrobank uses for delivering specific support services to you (such as courier services).

Non-identifiable data collected from website visitors will only be used to track and serve relevant content to the users and address their concerns, if any.

Metrobank shall ensure that the handling of your information adheres to its established security standards and procedures. In addition, internal controls are in place in our systems and processes to prevent unauthorized access which undergoes continuous assessment to improve securing your privacy.

## Use of Cookies  

In order to provide better and more secure service, the use of “cookies” shall be done on occasion. A “cookie” is defined as a small piece of information stored into your PC by the website using your web browser for administrative purposes and the like. No cookie shall contain information allowing the Host to contact visitors to the Site without their permission. Visitors to the site may tweak their Browser settings in order to prevent cookies from being set. However, visitors who do such may be unable to access certain features of this website.  

* Personal data is the term used when referring to personal information, sensitive personal information and privileged information collectively. R.A. 10173, “Data Privacy Act of 2012”(Rule 1, Sec. 3 (i), IRR)

## Collection of Personal Information  

Metrobank will only collect your information through secure means, e.g. via recorded line through our Contact Centers and the like. Upon registration to Metrobank’s website, the following personal information may be collected from you:

1. Full Name
2. Contact information like Email Address and Mobile Number
3. Credit Card Number
4. Embossed Name in your Credit Card
5. Mother’s Maiden Name
6. Card Expiry Date
7. Credit Card’s CVV2/CVC2
8. Date of birth

You must only submit to us (via our official website or contact center) information which are accurate and complete and not misleading. You must keep it up to date and inform us of changes. We reserve the right to request for documentation to verify the information provided by you. We will only be able to collect your personal information if you voluntarily submit the information to us. If you choose not to submit your personal information to us or subsequently withdraw your consent to our use of your personal information, we may not be able to provide you with our services.

We may request for your full name and contact information if there are issues or concerns raised via Metrobank’s official social media accounts (Facebook, Twitter & Instagram) in order for us to address your concerns.

## Use and Disclosure of Personal Information  

The personal information we collect from you will be used for Metrobank’s purposes only and to its accredited or authorized third parties (including related companies, third party service providers, and third party sellers), for some or all of the following purposes:

* To facilitate your use of the Services and/or access to the Platform;
* Credit review and reporting
* Statistical and risk analysis
* To provide you with information we think you may find useful or which you have requested from us, including information about our services, third party vendors, etc. provided you have indicated that you have not objected to being contacted for these purposes
* To contact you and send you marketing and/or promotional offer/s and materials about our services and products from time to time.

Metrobank may share your personal information with third parties and our affiliates for the abovementioned purposes, specifically to complete a transaction with you, manage your account, for reference, referrals, cross selling, for marketing purposes and the fulfillment of any legal or regulatory requirement or request as deemed necessary. In sharing your personal information with them, we endeavor to ensure that the third parties and our affiliates keep your personal information secure from unauthorized access, collection, use, disclosure, or similar risks and retain your personal information only for as long as they need your personal information to achieve the abovementioned purposes.

Metrobank may be required by law, rules and regulations to disclose your personal information such as the BSP, AMLC, CIC, BIR, NPC, or upon lawful orders of the courts or tribunals.

Metrobank does not engage into the business of selling customers’ personal information to third parties.

## Updating Your Personal Information  

You may update your personal information anytime by contacting our contact center at (632) 8700-700.

## Metrobank’s Commitment to Security  

Our internet related services are served from a secured server. This means that each page you view and any information you submit is encrypted on its way between your computer and our servers. Even in the highly unlikely event that your transmission is intercepted, it will not be usable by anyone. Your peace of mind and the safeguarding of your information is a top priority for Metrobank. All internet-related transactions are done through a secure channel.

## Retention and Disposal of Customer Information  

In compliance with BSP regulations and existing applicable laws, we keep the information we gathered from you while you are a customer or until we no longer need it for business, tax, or legal purposes. When we dispose of your personal information, we use reasonable procedures to destroy it or make it unreadable (such as shredding or by wiping electronic data).

## Customer’s Responsibility  

*Protect your information.* We encourage you to be vigilant in protecting your personal data by ensuring that your card & account details, PINs, username and password are not disclosed to others nor written somewhere where it will be accessible to others. We also advise you to use unique strong passwords and to change them regularly. Furthermore, we require that you sign off when you have finished your sessions on our website.

*Use secure means to communicate with us.* You can contact us through our website, official social media accounts and contact center. Rest assured that information coursed through these channels is protected by the security of our systems.
Report any data breach. IIf you think that your personal data was mishandled in terms of confidentiality or integrity, or if someone tampered with your personal data without your consent, please do not hesitate to contact our Data Protection Officer through the following:

Data Protection Officer
Address: Metrobank Plaza Sen. Gil. J. Puyat Avenue, Makati City, 1200 Philippines
E-mail Address: dataprotectiondept@metrobank.com.ph

## Withdrawal of Consent  

You may communicate your objection to our continued use and/or disclosure of your personal information for any of the purposes and in the manner as stated above by contacting us at our email address above.

## Opt out Right  

You have the right to make decisions on how to use, process, or share your personal information.

You may opt to unsubscribe to our email services by following the unsubscribe instructions in each email you receive. You may unsubscribe from our SMS notifications by calling our Customer Service Hotline, provided above. You may elect to change the details of your user registration from any of our online platforms at any time by logging in and updating your user account details.

We encourage you to make decisions that will enable us to provide you with quality products, services and meaningful online experience.

## Changes to the Privacy Policy  

Metrobank shall regularly review the sufficiency of this Privacy Policy. We reserve the right to modify and change the Privacy Policy at any time. Any changes to this policy will be published in the website.

## Mandatory Disclosure  

You acknowledge and agree that Metrobank has the right to disclose your personal information to any legal, regulatory, governmental, tax, law enforcement or other authorities or the relevant right owners, if Metrobank has reasonable grounds to believe that disclosure of your personal information is necessary for the purpose of meeting any obligations, requirements or arrangements, whether voluntary or mandatory, as a result of compliance to an order, an investigation and/or request of any nature by such parties to the extent permissible by applicable law. You agree not to take any action and/or waive your rights to any action against Metrobank for the disclosure of your personal information in these circumstances.

I understand and agree to the **Credit Card Terms and Conditions** of Metrobank

I understand and agree to the **Application Declaration** of Metrobank

I/We would like to avail of a Metrobank credit card and I hereby authorize my employer to provide / confirm with Metropolitan Bank and Trust Company ["Metrobank"] my information necessary to facilitate my credit card application. I agree to be governed and bound by the TERMS AND CONDITIONS governing the issuance and use of the Metrobank credit card found in the website of Metrobank at www.metrobankcard.com/about/termsandcondition (made an integral part of this undertaking). 

Proof of Conforme to Metrobank’s Terms and Conditions:  

1. By answering the questions in the digital application form and by agreeing to the statements therein; or
2. By sending and/or submitting my/our affirmative answers or conformity to the questions in the digital application form; or
3. By signing on the application form or delivery acknowledgment receipt; or
4. By signing at the signature portion of the credit cards; or
5. By using the said credit cards

Shall constitute proof that I/We have read and fully understood the TERMS AND CONDITIONS and that I/we consent to be bound by such. 

I/We hold myself/ourselves liable for all obligations and liabilities incurred with the use of the Metrobank credit card/s issued to me/us. I/We warrant, that I/we shall be jointly and severally liable for the same obligations and that I/we hereby commit myself/ourselves to the following declarations:  
  
(1) I affirm and confirm my authority and express consent (given to my Primary [For Supplementary Card Applicant]) in sharing of my personal data to Metrobank for the processing and issuance of this credit card.;  
  
(2) I/We authorize and consent Metrobank, its affiliates, subsidiaries, third-party service providers, assigns, to process, transfer, share, disclose and communicate any and all of my/our personal data as defined under the R.A. 10173 (The “Data Privacy Act of 2012”) and its implementing Rules and Regulations, information relating to the credit card accounts, or any of my/our basic credit data and any and all information concerning myself/ourselves, my/our properties or investments with Metrobank, to any of the offices, branches, subsidiaries, affiliates, agents and representatives of Metrobank and third parties selected by any of them, including other financial institutions, for purposes of credit verification, collection and credit review and scoring, statistical and risk analysis and to government entities tasked to provide consumer credit reporting or reference schemes, anti-money laundering monitoring, purposes including but not limited to The National Privacy Commission, CIC or Credit Information Corporation pursuant to R.A. 9510 (the “Credit Information Act of 2008”), Republic Act (R.A.) 9160, as amended by R.A. 9194 (the Anti-Money Laundering Act), R.A. 8484 (the Access Device Act of 1998), and their respective Implementing Rules and Regulations;  
  
(3) I/We authorize and consent Metrobank to share my address and mobile number to Metrobank’s third party delivery courier, strictly following Metrobank’s Privacy Policy, for the purpose of card delivery;  
  
(4) I/We authorize and consent Metrobank to acquire my/our personal data and any information from Philippine Savings Bank (PSBank) and any of its subsidiaries and affiliates to facilitate the approval of my credit card application as well as credit card transactions, e.g., cash advance, increase in credit limit, etc., initiated upon my/our own initiative and in the event of default arising from non-payment of credit card obligations with Metrobank;  
  
(5) In compliance with the Customer Identification requirements of BSP Circular 950 Subsection 4806Q.2 (d) , I, the Principal Cardholder, attest that I have satisfied the Face-to-Face contact requirement for my Supplementary Cardholder/s on behalf of Metrobank, and to having seen the original ID of the same;  
  
(6) I/We understand that should my/our application be denied, Metrobank has no obligation on its part to furnish the reason for such rejection except in compliance to the Data Privacy Act and its Implementing Rules and Regulations and other related issuances, or when the denial is based on credit data from CIC used in the evaluation of my/our application;  
  
(7) I/We authorize Metrobank, its authorized representative/s and/or agent/s to verify and investigate these facts from whatever source it may deem appropriate;  
  
(8) I/We hold Metrobank free and harmless from any and all liabilities that I will incur with the use of my Metrobank credit card;  
  
(9) My/our conforme, submission of affirmative answers in the digital application form, or my/our signatures on the application form, delivery acknowledgment receipt, or by signing at the signature portion of the credit cards represent(s) my/our express consent and shall constitute a waiver of claims and exempt Metrobank, any of the offices, branches, subsidiaries, affiliates, agents and representatives, and/or Metrobank Group from liability under any and all bank deposit secrecy laws, including but not limited to, R.A. 1405 or The Law on Secrecy of Bank Deposits, R.A. 6426 or The Foreign Currency Deposit Act and R.A. 8791 or The General Banking Law, as well as R.A. 10173 or the Data Privacy Act of 2012 and other confidentiality laws enforced or which may hereinafter enforced;  
  
(10) I/We certify that the foregoing facts are true and correct;


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