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Terms and Conditions

1. Acceptance of Terms

The services that DepEd Provident Fund provides to you are subject to the following Terms and Conditions ("T&C"). DepEd Provident Fund reserves the right to update the T&C at any time without notice to you. The most current version of the T&C can be reviewed by clicking on the "Terms and Conditions" hypertext link located at the bottom of our web pages.

2. Description of Services

This website provides information about the DepEd Provident Fund Program, including features, application steps, sample amortization, and frequently asked questions. It also facilitates online application and document submission for eligible DepEd personnel.

3. User Conduct

As a user of this website, you agree to:

• Use the website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this website by any third party.
• Provide accurate, current, and complete information as may be required for any services or features offered on the website.
• Maintain the confidentiality of any login credentials or access details provided to you for online services.
• Not attempt to gain unauthorized access to any portion or feature of the website, or any other systems or networks connected to the website or to any DepEd Provident Fund server.

4. Online Application and Submission

• Accuracy of Information: You are solely responsible for the accuracy and completeness of all information and documents submitted through the online application portal. Any false or misleading information may lead to the rejection of your application or other disciplinary actions.
• Document Submission: By uploading documents, you confirm that you have the necessary rights and permissions to submit them. All documents submitted must be genuine and unaltered.
• Technical Issues: While we strive for a seamless online experience, we are not responsible for any technical issues, internet connectivity problems, or system failures that may prevent you from submitting your application or documents. It is your responsibility to ensure timely submission.
• Security: We implement reasonable security measures to protect your data. However, no internet transmission is entirely secure. You acknowledge and accept the inherent security risks of providing information and dealing online over the internet.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of DepEd or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, display, or create derivative works from any of the materials on this website without prior written consent.

6. Disclaimers

• Information Accuracy: While we strive to provide accurate and up-to-date information, we do not warrant the completeness, reliability, or accuracy of the content on this website. The information provided is for general guidance only and is subject to change without notice.
• Loan Eligibility and Approval: The information on this website does not guarantee loan eligibility or approval. All loan applications are subject to review and approval based on DepEd's prevailing policies and guidelines.
• External Links: This website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or make any representations about these third-party websites and are not responsible for their content or privacy practices.

7. Limitation of Liability

DepEd Provident Fund, its officers, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the website; (ii) any conduct or content of any third party on the website; (iii) any content obtained from the website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

8. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

9. Contact Information

If you have any questions about these Terms and Conditions, please contact your Regional Provident Fund Chapter.

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Privacy Policy

1. Information We Collect

We collect various types of information in connection with the services we provide:

• Personal Identification Information: This includes, but is not limited to, your name, employee number, contact details (email address, phone number, mailing address), date of birth, and financial information necessary for loan processing (e.g., salary details, bank account information). This information is primarily collected when you fill out application forms, whether online or offline, or communicate with us.
• Document Information: When you use our online document upload facility, we collect digital copies of supporting documents such as your Service Record, Payslips, valid IDs, and other relevant certificates.
• Usage Data: We may collect information on how the website is accessed and used. This Usage Data may include information such as your computer's Internet Protocol (IP) address, browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.
• Cookies: We may use cookies and similar tracking technologies to track the activity on our website and hold certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

2. How We Use Your Information

We use the collected data for various purposes:

• To process your loan applications and related transactions.
• To manage your DepEd Provident Fund account.
• To provide and maintain our website and services.
• To communicate with you regarding your application status, updates, and other relevant information.
• To improve our services and website functionality.
• To detect, prevent, and address technical issues or fraudulent activities.
• To comply with legal obligations and regulations.
• To provide customer support.

3. Disclosure of Your Information

We may disclose your personal information in the following situations:

• To Internal Departments: Your information may be shared with relevant DepEd departments and Regional Provident Fund Chapters necessary for the processing and administration of your loan and related services.
• For Legal Requirements: We may disclose your data if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Service Providers: We may employ third-party companies and individuals to facilitate our website and services (e.g., hosting providers, IT support). These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• In Case of Dispute: In the event of a dispute or legal proceeding related to your loan or interaction with the Provident Fund, your information may be disclosed to relevant parties as necessary.

We will not sell, rent, or lease your personal information to third parties for their marketing purposes without your explicit consent.

4. Security of Your Data

The security of your data is paramount to us. We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. These include secure servers, encrypted communications, and access controls. However, remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

5. Retention of Data

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

6. Your Data Protection Rights

Depending on applicable laws, you may have the following data protection rights:

• The right to access: You have the right to request copies of your personal data.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
• The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact your Regional Provident Fund Chapter.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

8. Contact Us

If you have any questions about this Privacy Policy, please contact your Regional Provident Fund Chapter.