The SIA JEFF Group  (consisting of SIA Jeff, and their affiliates and subsidiaries --- the members of the SIA JEFF Group may be accessed at is committed to protecting your privacy as our client, and even as a visitor to this website. 

As your trusted partner, the confidentiality of your information remains a top priority. We shall exert all reasonable efforts to protect it against unauthorized use or disclosure.


How we collect information

We may manually or automatically collect personal data when you:

  1. visit (the “website”)/SIA JEFF Application (the “Application”) of the relevant member of the SIA JEFF Group - we may use web analytic tools, including those of third parties, that use cookies to collect anonymous information and data generated from your activities when you visit the website (e.g. perform searches, access internal links);
  2. visit a 3rd party website and click on advertisements of a member of the SIA JEFF Group;
  3. use the Application;
  4. answer questions and/or provide information while using the website and/or the Application;
  5. submit your application forms; and
  6. file complaints, inquiries, or requests.


Types of personal data that we may collect:

  1. Your name and other particulars such as, but not limited to, contact details, address, e-mail address, birthdate, educational background, gender, and occupation;
  2. Financial information such as income, expenses, deposits, investments, and credit cards;
  3. Employment details;
  4. Information about your transactions with third parties;
  5. Non-personal information provided by the electronic device you are using such as the IP address, operating system, browser type and version, and other machine-related identifiers; and
  6. Specimen signatures.

(each item above, and collectively, hereinafter referred to as “Personal Data”)


Disclosure of Information

a. In compliance with the Data Privacy Act, Client hereby agrees to give their true, correct information and consents to the gathering, processing, verification, and use of their Personal Data or information in their use of the Application, and to implement, grant, monitor, and enforce the Terms and Conditions and/or the terms under the  Application. Client agrees to waive the confidentially of their Personal Data or information to process their compatibility with various loan offers provided by Lenders and Financial Service Providers in Client’s use of the Application and to be used in any market research or study of SIA JEFF Group. Client also agrees to treat as confidential information any information of SIA JEFF Group obtained during the course of their use of website and/or the Application, including but without limitation, the identity, loan products, and services offered by the Lenders and Financial Service Providers, as well as any information pertaining to SIA JEFF Group, its business, its operations, its processes, its affiliates, SIA JEFF Group’s and its affiliates’ shareholders, directors, officers, employees, advisors, and agents. Client hereby undertakes to hold all confidential information in strict confidence, and not directly or indirectly disclose or permit to be disclosed any confidential information to any other person or entity.


How your Personal Data may be used, stored, and shared

Your Personal Data may be used, stored, processed, shared and disclosed by the SIA JEFF Group to its members, as well as third parties (as may be necessary and allowed by law): 

  1. Legal. For legitimate purposes;
  2. Transactions. To provide services to you or implement transactions which you request, allow, or authorize, including responding to comments and questions you post and provide customer service as well as sending information, including confirmations, invoices, technical notices, updates, security alerts, support and administration;
  3. Policies and obligations. To comply with the SIA JEFF Group’s internal policies and its reporting obligations to governmental authorities under applicable laws;
  4. Research. When we conduct studies and research such as automatic and manual profile analysis, behavioral modeling, for the purpose of reviewing, developing and improving our products and services;
  5. As necessitated by third parties (including vendors, agents, service providers) or members of the SIA JEFF Group who have agreed to be bound by terms requiring the protection required under applicable law):

                        i.     To support us in delivering our services and products to you, including sharing your Personal Data with banks, lenders, and other financial service providers engaged in consumer lending (each a “Lender” or “Financial Service Provider”, as may be listed in the Application and updated from time to time) for:

(a)   their verification and evaluation;

(b)   assisting in the purchase of services from the Lenders or Financial Service Providers;

(c)   provision of product information and related offers about the products and services of Lenders or Financial Service Providers.

                      ii.     To comply with existing laws, rules, and legal processes;

                     iii.     To implement our policies and terms of use or such other applicable policies with respect to the products and services that we provide;

                     iv.     To address fraud, security, or technical issues;

                      v.     To protect our rights, interests, property or security, and that of our clients and third parties.

  1. Promotion. When we reach out to you regarding services information, including offers, promotions, discounts, rewards; and for personalizing your experience with our various touchpoints such as branches, call center, telemarketing, email, messaging and other channels;
  2. Investment and/or Acquisition. sharing personal information when SIA JEFF Group enters into a business agreement or negotiate a business agreement in connection with the sale or transfer of all, or part, of its business or assets;
  3. Anonymized Data. Aggregated and/or anonymized data may be shared with stakeholders.


Emails will not be used to collect Personal Data

Emails are not entirely safe. We will not use this Application to obtain confidential information from you such as your account numbers, passwords, and credit card numbers.


Automation Process and Security 

Data Encryption: To safeguard your personal and financial information, our website employs state-of-the-art Secure Sockets Layer (SSL)/Transport Layer Security (TLS) encryption technology. This ensures that all data transmitted between your device and our servers is protected against unauthorized access.

Secure Data Processing: We utilize automated systems and decision-making algorithms to offer you the most efficient and accurate financial services. These systems are designed with your privacy in mind, operating under stringent data protection and confidentiality statutes. The algorithms are regularly updated to maintain accuracy and effectiveness, and we are transparent about their use in our operations.

Access Control: Our commitment to data security includes rigorous access controls. We ensure that only authorized personnel have access to your personal information, and we employ two-factor authentication and strict permissions protocols to maintain the integrity of our data management systems.

Data Integrity: We strive to keep your personal information accurate, complete, and up to date. If at any point you need to correct or update your information, our customer service team is readily available to assist you.

Regular Security Audits: To continually fortify our defenses, we engage with reputable third-party security experts to conduct thorough audits of our website and systems. These audits help us to preemptively identify and rectify potential security vulnerabilities.


How long your data is stored with SIA JEFF Group; Destruction Policy

We have put in place appropriate physical, organizational, and technical controls to maintain the confidentiality, integrity, and availability of your personal data.

Your personal data will be stored in a database for no longer than twenty (20) years either from your last transaction with any member of the SIA JEFF Group or until the expiration of the retention limits set by applicable law, whichever comes later.  After this duration, both physical records and digital files, if any, will be disposed.


Data Retention: Your personal data is kept for no longer than necessary to provide you with our services and to comply with legal obligations.

Destruction Methods: Upon expiration of the retention period, personal data is securely purged from our databases using data deletion methods that preclude future recovery.

We are committed to safeguarding your information and upholding data protection principles.


Your rights under applicable laws

Subject to the requirements, conditions and exemptions under the applicable law and Republic Act No. 10173, as amended, (the “Data Privacy Act”),you are entitled to the following rights:

  1. to access your Personal Data, including:

i.   the sources from which they were obtained;

ii. the manner by which such data were processed;

iii. the reasons for the disclosure of your Personal Data to recipients, including the names and addresses of recipients thereof;

iv. the information on automated processes where the data will or likely to be made as the sole basis for any decision significantly affecting or will affect you;

v. the date when your Personal Data was last accessed and modified;

  1. to dispute any inaccuracy or error in your Personal Data and require the SIA JEFF Group to correct or update the same;
  1. to obtain a copy of your Personal Data in an electronic or structured format for your further use;
  1. to suspend, withdraw, or order the blocking, removal, or destruction of your Personal Data from SIA JEFF Group's system, provided such action is not critical nor required by applicable laws and regulation to maintain the products and services that you availed with us;
  1. to file a complaint with the National Privacy Commission.

For a complete reference of your rights under the Data Privacy Act, you may access the National Privacy Commission website at

Changes to our Terms and Conditions and Data Privacy Statement

We may modify these Terms and Conditions from time to time to align with relevant laws and regulations and the SIA JEFF Group’s policies and procedures as applicable. All updates will be posted by on the website.


Contact the Data Protection Officer

Inquiries, clarifications, or requests in relation to these Terms and Conditions and the Data Privacy Statement may be addressed to the relevant member of the SIA JEFF Group’s Data Protection Officer at


Updated as of 01.11.2023.