1. Statement of Policy

Perla Compañia de Seguros, Inc. (“Perla”, “we”, “our”, or “us”) is committed to safeguarding your personal data. We collect, use, store, and disclose personal data in accordance with this Privacy Policy and the Philippine Data Privacy Act of 2012 (DPA), its Implementing Rules and Regulations (IRR), and other applicable laws and regulations.

2. Personal Data We Collect

Depending on your transaction with us, we may collect:

• Identification & Contact: Name, address, email, contact numbers, date/place of birth, nationality, and similar details.
• Policy & Claims Data: Insured items, beneficiaries, incident details, payment and claims history, supporting documents.
• Sensitive Personal Data: Government-issued IDs, medical or health information (when necessary for underwriting/claims), financial details.
• Employment/HR Data: Résumé and credentials, background checks, performance, training records.
• Website/App Data: Logs, IP address, device information, cookies and similar technologies.

3. How We Use Your Information

• Evaluate and underwrite applications; issue and service policies; process endorsements, renewals, and claims.
• Perform risk assessment, analytics, fraud prevention, and customer support.
• Comply with legal and regulatory obligations and industry standards.
• Communicate with you about products, services, and updates (with consent where required).
• Manage employment or contractual relationships.

4. Sharing and Disclosure

We do not sell personal data. We may share data with: regulators and government agencies; reinsurers, brokers, agents, adjusters; service providers (e.g., IT, storage, marketing, payment, disaster recovery) under confidentiality; medical providers; law enforcement or courts; and third parties when necessary to protect life and property or our legal rights. We require third parties to process data consistent with this Policy and applicable laws.

5. Data Retention & Security

Personal data is retained only as long as necessary for the stated purposes, to comply with laws, or to establish, exercise, or defend legal claims. We use organizational, physical, and technical safeguards to protect your data from loss, misuse, unauthorized access, disclosure, alteration, or destruction. When data is no longer needed, we securely delete, anonymize, or aggregate it.

6. Your Rights

Under the DPA, you have the rights to be informed, access, object, erasure/blocking, rectification, data portability, and to lodge a complaint with the National Privacy Commission (NPC). To exercise these rights, contact our Data Protection Officer (DPO):

7. Cookies

We use cookies and similar technologies to improve site functionality and analyze traffic. You may disable cookies in your browser, but some features may not function properly. See our cookie notices where available.

8. Policy Updates

We may update this Policy from time to time to reflect changes in our services or laws. Updates take effect upon posting on this page. Material changes will be highlighted for a reasonable period.

9. Contact Us

For questions or concerns about this Policy or our data practices, please contact our DPO via the details above.