Privacy Policy

This Privacy Policy explains how we collect, use, and protect your personal information in compliance with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines.

1. Who We Are

I am Carl Galve, a Marketing Professional representing Toyota Cagayan de Oro. I am not a bank or a lending institution. This website serves solely to facilitate vehicle inquiries and car loan applications by gathering your requirements and submitting them to partner financial institutions on your behalf.

2. What Data We Collect

We may collect the following personal information when you submit an application or referral form:

• Personal Identity Details: Full Name, Date of Birth, Civil Status.
• Contact Information: Email address, Mobile Number, Current and Provincial Addresses.
• Employment & Financial Data: Employer name, Monthly Income, Source of Income, Length of Service.
• Transaction Details: Vehicle of interest, Preferred downpayment, and supporting documents requested by banks.

By submitting any form on this website, you grant your express consent for us to collect this data.

3. Why We Collect Your Data

We collect your personal information strictly for the following purposes:

• To process and evaluate your car loan application.
• To facilitate the forwarding of your application to partner banks and financial institutions.
• To contact you regarding the status of your application, promotional offers, or inquiries.
• To process referral rewards and verify lead authenticity.

4. Who We Share Your Data With

To process your car loan, we establish secure communications and may share your data with partner banks and financial institutions (such as TFS, Maybank, BPI, EastWest, Security Bank, PSBank, RCBC, etc.). These institutions will conduct their own credit evaluation and background checks.

5. How We Secure Your Data

We implement reasonable and appropriate organizational, physical, and technical security measures (including encrypted databases and secure communication protocols) to protect your personal data against unauthorized access, alteration, disclosure, or accidental loss.

6. How Long We Store Your Data

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, generally up to five (5) years after the conclusion of your transaction or application, or as required by applicable Philippine laws and banking regulations.

7. Your Rights as a Data Subject

Under the Data Privacy Act of 2012, you have the right to:

• Be informed about how your personal data is processed.
• Access the personal data we hold about you.
• Request the correction of inaccurate or incomplete data.
• Request the erasure or blocking of your personal data from our systems.

To exercise any of these rights, please contact me directly using the contact methods provided on this website.