Privacy Policy

BMB Insurance Brokers, Inc. (“BMB”, “we”, “our”, or “us”) respects your privacy and is committed to protecting the personal information entrusted to us.

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This Privacy Policy explains how we collect, use, disclose, store, retain, and protect personal information obtained through our corporate website, business communications, marketing activities, customer inquiries, recruitment activities, and other legitimate business interactions.

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This Privacy Policy applies only to the BMB Insurance Brokers, Inc. corporate website and related business interactions. Separate privacy notices, terms, and conditions may apply to other BMB-operated systems, portals, platforms, or services.

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BMB processes personal information in accordance with Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012, its Implementing Rules and Regulations, and other applicable issuances of the National Privacy Commission (NPC).

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BMB Insurance Brokers, Inc. recognizes that protecting personal information is an essential part of maintaining the trust and confidence of our clients, partners, and stakeholders. Consistent with our commitment to professionalism, responsiveness, partnership, growth, and protection, we process personal information in a lawful, fair, transparent, and secure manner, and implement appropriate measures to safeguard personal data against unauthorized access, disclosure, alteration, loss, misuse, or unlawful processing.

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Personal Information We Collect

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Depending on your interaction with our website, BMB may collect the following information:

 

Contact Information

 

• Full name

• Email address

• Mobile number

 

Business Inquiry Information

• Subject of inquiry

• Insurance requirements

• Request details

 

Website and Technical Information

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Our website may automatically collect certain technical information, including:

 

• Internet Protocol (IP) address

• Browser type

• Device information

• Date and time of access

• Pages visited

• Cookie information

 

How We Collect Information

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Personal information may be collected through:

 

• Contact Us form

• Request for quotations

• Email communications

• Website cookies and analytics technologies

 

How We Use Information

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BMB may use personal information for legitimate business purposes, including:

 

• Responding to inquiries and requests

• Providing information about insurance products and services

• Managing customer and client relationships

• Conducting marketing and business development activities

• Improving website functionality and user experience

• Monitoring website performance and security

• Complying with legal, regulatory, and contractual obligations

• Protecting the rights, property, and legitimate interests of BMB

 

Legal Basis for Processing

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BMB processes personal information based on one or more lawful criteria, including:

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Consent

Where the individual voluntarily provides personal information or agrees to specific processing activities.

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Contractual Necessity

Where processing is necessary to respond to requests, provide services, enter into business arrangements, or fulfill contractual obligations.

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Legal and Regulatory Compliance

Where processing is necessary to comply with applicable laws, regulations, court orders, government directives, or regulatory requirements.

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Legitimate Interests

Where processing is necessary to support BMB’s legitimate business operations, customer service activities, marketing initiatives, security measures, fraud prevention, and business development activities, provided that such interests do not override the rights and freedoms of the data subject.

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Sharing of Information

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BMB does not sell personal information.

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Personal information may be disclosed only when necessary and authorized, including to:

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• Insurance companies

• Service providers engaged by BMB

• Information technology and cloud service providers

• Regulatory authorities and government agencies

• Auditors and compliance reviewers

• Other parties authorized by the data subject or required by law

 

All recipients are expected to implement reasonable privacy and security safeguards consistent with applicable laws and contractual obligations.

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Cookies and Website Analytics

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BMB may use cookies and similar technologies to support website functionality, security, and performance.

Cookies may be used to:

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• Remember user preferences

• Improve website usability

• Analyze website traffic and usage trends

• Support website security controls

• Measure the effectiveness of marketing activities

 

Users may choose to disable cookies through their main browser settings. However, certain website features may not function properly if cookies are disabled.

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Marketing Communications

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BMB may send:

• Insurance and industry updates

• Event invitations

• Newsletters

• Marketing and promotional communications

• Service announcements

 

Individuals may opt out of receiving marketing communications at any time by following available unsubscribe instructions or by contacting BMB directly.

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Data Retention

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BMB retains personal information only for as long as necessary to:

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• Fulfill the purpose for which the information was collected

• Comply with legal and regulatory requirements

• Resolve disputes

• Enforce contractual obligations

• Protect BMB’s legitimate business interests

 

When retention is no longer required, personal information shall be securely disposed of, anonymized, or destroyed in accordance with applicable laws and internal records management requirements.

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International Data Transfers

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BMB may utilize cloud-based systems, technology providers, and business partners that process or store information outside the Philippines.

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Where personal information is transferred internationally, BMB shall implement appropriate contractual, organizational, and technical safeguards to ensure that personal information remains protected and processed in accordance with applicable privacy laws.

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Information Security

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BMB implements reasonable organizational, physical, and technical security measures designed to protect personal information against:

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• Unauthorized access

• Unauthorized disclosure

• Alteration

• Destruction

• Loss

• Misuse

• Other unlawful processing

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Security measures may include:

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• Access controls

• Role-based authorization

• Encryption where appropriate

• Security monitoring and logging

• Periodic security reviews

• Employee privacy awareness programs

• Vendor due diligence activities

• Incident response procedures

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Data Subject Rights

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Subject to applicable laws and regulations, data subjects may exercise the following rights:

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• Right to be informed

• Right to access

• Right to object

• Right to rectification

• Right to erasure or blocking

• Right to damages

• Right to data portability

• Right to file a complaint with the National Privacy Commission

 

 

Requests relating to the exercise of these rights may be submitted to BMB’s Data Protection Officer.

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Third-Party Websites

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The BMB website may contain links to third-party websites, insurers, regulators, business partners, or service providers.

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BMB is not responsible for the privacy practices, content, or policies of third-party websites. Users are encouraged to review the privacy notices of any external website they visit.

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Privacy Complaints and Inquiries

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For questions, concerns, requests, or complaints regarding privacy and personal information processing, you may contact:

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Data Protection Officer

BMB Insurance Brokers, Inc.

Email: dataprivacy@bmbinsurancebrokers.com

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If a concern remains unresolved, data subjects may seek assistance from the National Privacy Commission in accordance with applicable laws and regulations.

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Changes to this Privacy Policy

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BMB may update this Privacy Policy from time to time to reflect changes in legal requirements, regulatory obligations, technologies, business practices, or website functionality.

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The latest version of this Privacy Policy will be made available through the BMB corporate website, and any updates shall take effect upon publication unless otherwise stated.