PRIVACY POLICY

JSL Car and Motorcycle Exchange will collect personal information related to:

• Contact information (e.g., full name, residential/business address, active mobile numbers, e-mail address, and emergency contact details for all stakeholders)
• Sensitive personal information (e.g., date of birth, marital status, nationality, government identification cards, driver's license numbers, Tax Identification Number (TIN), photographs, and visual verification images when completing vehicle transactions)
• Employment Information (e.g., employment status, occupation, employer or business trade name, work address, monthly compensation, and proof of billing for installment verification)
• Financial Information (e.g., bank account details, proof of income, payslips, credit background, and other financial details necessary for vehicle financing and down payment processing)
• Transaction Information (e.g., information about vehicle inquiries, test drive bookings, reservations, trade-in vehicle details, down payment receipts, monthly installment ledgers, payment date and/or time, payment amount, and any other details of services or products provided to or received from JSL Car and Motorcycle Exchange)
• Technical Information (e.g., Internet Protocol (IP) address, browser type and version, device identifier, time zone setting, operating system, and system usage logs collected during website browsing and customer portal interaction)

JSL Car and Motorcycle Exchange will use your personal information for:

• Identity verification and confirmation: Ensuring accuracy and preventing identity theft or duplicate accounts during vehicle purchase, reservations, and customer registration.
• Vehicle transactions and reservations: Processing vehicle bookings, preparing purchase contracts, trade-in valuations, and issuing formal reservation receipts.
• Financing & installment assessment: Evaluating credit standing, income capability, and monthly repayment schedules for approved installment accounts.
• Customer relationship management: Providing prompt responses to online inquiries, vehicle availability requests, after-sales service, and showroom appointments.
• Communication and marketing: Sending updates regarding vehicle arrivals, promotional financing discounts, payment reminders, and customer feedback opportunities (with customer consent).
• Compliance with regulatory obligations: Fulfilling statutory requirements with the Land Transportation Office (LTO) for vehicle registration and transfer of ownership, Bureau of Internal Revenue (BIR) documentation, and reporting obligations under Republic Act No. 10173.
• Protection of legitimate interests: Safeguarding our dealership assets, resolving customer grievances, securing our web platform, and enforcing contractual agreements.
• Business operations and system improvement: Enhancing website functionality, inventory presentation, dealer services, and training our customer support team.
• Fraud detection and risk management: Detecting, preventing, and investigating fraudulent activities, unauthorized transactions, or cyber threats.

As a Data Subject under Republic Act No. 10173 (Data Privacy Act of 2012), you are entitled to the following statutory rights:

• Right to be Informed: You have the right to know whether your personal data will be, are being, or were processed.
• Right to Object: You may withhold or withdraw consent to the processing of your personal data at any time.
• Right to Access: You have reasonable right of access upon demand to the contents of your processed personal data.
• Right to Rectification: You have the right to dispute any inaccuracy or error in your personal data and have it promptly corrected.
• Right to Erasure or Blocking: You have the right to suspend, withdraw, or order the removal of personal data that is incomplete, outdated, or unlawfully obtained.
• Right to Damages: You may claim compensation for damages sustained due to inaccurate, incomplete, or false information.
• Right to Data Portability: Where your personal data is processed by electronic means, you may request a copy in an accessible electronic format.
• Right to File a Complaint: You have the right to lodge a formal complaint before the National Privacy Commission (NPC) if your privacy rights have been violated.

If you wish to correct, update, or inspect your personal data, we may request certain identification information to verify your identity and safeguard against unauthorized disclosure of personal data.

As you have provided consent to our collection and use of your personal data, you also have the right to withdraw that consent at any time. There will be no penalties for withdrawing consent; however, if you decline to submit required documentation, our ability to process vehicle reservations, release purchased units, or approve financing applications may be limited.

If you want to exercise your privacy choices, or if you have any questions, inquiries, or grievances regarding our privacy policies and data handling procedures, you may send your requests and queries directly to our Data Protection Officer:

Subject Header Format: When submitting an inquiry by email, please use the subject line format: Personal Data Inquiry - [Your Full Name]

For additional regulatory guidance regarding Philippine privacy regulations, you may visit the official portal of the National Privacy Commission (NPC).