BWallet Privacy Policy

Why We Collect Your Personal Information

We collect and process your personal information to:

• Enable the secure use of our services, including account management and transaction processing.
• Verify your identity to comply with Know Your Customer (KYC) and regulatory requirements.
• Improve our services through research, analytics, and user feedback.
• Prevent fraud, money laundering, and other illegal activities.
• Communicate with you about updates, offers, and relevant notifications.
• Facilitate loyalty programs, promotions, and surveys (with your consent).
• Comply with legal obligations and industry standards, including reporting requirements.

Types of Information We Collect

We collect various types of personal data to enhance our services and ensure security. This includes:

• Personal Information
  • Full name, date of birth, gender, nationality.
  • Government-issued identification (e.g., passport, SSS, or TIN).
  • Email address, phone number, and physical address.
• Financial Information
  • Bank account details and payment information.
  • Credit/debit card numbers (where applicable).
  • Transaction history, including deposits, withdrawals, and transfers.
• Device Information
  • IP address, operating system, browser type.
  • Device identifiers (e.g., device IDs).
  • Location data (with your explicit consent).
• Usage Data
  • App interaction details, including logins and feature usage.
  • Purchase and transaction behaviors.
  • Frequency and duration of app usage.
• Business Information (For Business Users)
  • Business name, type, and registration details.
  • Business Tax Identification Number (TIN).
  • Relevant permits and certificates (e.g., SEC, DTI).

How We Collect Your Information

We gather your personal data through:

• When you register, update your account, or complete a transaction.
• Through cookies, app analytics, and permissions you grant (e.g., GPS for location-based services).
• From affiliates, service providers, and publicly available records, where permitted by law.

How We Use Your Information

Your information is used for:

• Ensuring compliance with KYC and other regulations.
• Processing transactions and managing your account securely.
• Sending updates, promotional materials, and service notifications.
• Monitoring and mitigating risks related to unauthorized access or misuse.
• Meeting regulatory reporting and auditing requirements.
• Conducting data analysis to enhance user experience and introduce new features.

Where consent is required, such as for targeted marketing, you will have the option to opt-in or opt-out at any time.

Sharing Your Information

We respect your privacy and do not sell your personal information. However, we may share your data under the following circumstances:

• With government agencies or courts, as required by law.
• With trusted third parties for payment processing, fraud detection, and account management.
• For operational purposes, such as shared resources or customer support.
• With your consent, for co-branded services, promotions, or additional benefits.

All shared information is disclosed on a strictly confidential basis and in compliance with the Data Privacy Act of 2012.

Data Protection Measures

We implement robust security measures to protect your personal data:

• Data is encrypted during storage and transmission.
• Restricted access to authorized personnel only.
• Periodic security reviews and vulnerability testing.
• Prompt action and notification in the event of a data breach.

If sensitive information is compromised, we will notify affected users and the National Privacy Commission immediately, as required by law.

Retention of Information

We retain your personal data only as long as necessary to:

• Fulfill its original purpose.
• Meet legal or regulatory obligations, such as retaining records for five (5) years under the Anti-Money Laundering Act (AMLA).

Once your data is no longer needed, it will be securely deleted or anonymized.

Your Rights

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

• Request a copy of your personal data.
• Rectify inaccurate or incomplete information.
• Request deletion of data no longer necessary for its original purpose.
• Opt-out of specific data processing activities.
• Obtain a digital copy of your data in a portable format.
• Lodge complaints with the National Privacy Commission if your rights are violated.

To exercise these rights, contact our Data Privacy Officer at the details below.

Marketing and Communications

With your consent, we may send you:

• Promotions, offers, and loyalty rewards.
• Updates on new features or services.

You can opt out of receiving these communications through:

• App settings.
• Customer support.

Updates to This Privacy Policy

We may revise this Privacy Policy to reflect changes in laws, technology, or business practices. Significant updates will be communicated via email, SMS, or in-app notifications. Continued use of the App after updates signifies your acceptance of the revised policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us:

• Data Privacy Officer Email: dpo@bwallet.ph
• Customer Support Email: support@bwallet.ph
• Hotline:
• Address: