Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate and make use of personal information. The following outlines our privacy policy.

JC North Home Loan and its affiliates and associates (“We,” “Our,” or “Us”) recognise the importance of protecting the privacy and the rights of individuals in relation to their personal information. We respect your rights to privacy.

Privacy laws such as the Data Privacy Act of 2012 in the Philippines, Personal Information and Protection of Electronic Documents Act (“PIPEDA”) in Canada, the Privacy Act 1988 in Australia, the Act on the Protection of Personal Information (“APPI) in Japan, The Personal Data Protection Act 2012 in Singapore, the Personal Data (Privacy) Ordinance (Cap. 486 of the Laws of Hong Kong) (Ordinance) in Hong Kong, the General Data Protection Regulation (GDPR) in the United Kingdom, and various relevant privacy laws regulate the way that private organisations can collect, use, store, secure, and disclose information. We recognise the importance of keeping the information provided by our customers secure and confidential and complying with our obligations under the said privacy laws.

By accepting and consenting to this Privacy Terms and Conditions, you expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Terms and Conditions.

What is ‘personal information?’

In general, it is any information that can be used to personally identify you. This may include your name, address, telephone number, e-mail address, occupation, etc. If the information we collect personally identifies you, or you can be reasonably identified from it, the information is considered personal information.

What is an ‘electronic document?’

The term “electronic document” means data that is recorded or stored on any medium in or by a computer system or other similar device and that can be read or perceived by a person or a computer system or other similar device. It includes a display, print out or other output of that data.

What personal information do we collect and hold?

We may collect the following types of personal information:

• Identification details, such as your name, date of birth, gender, signature, nationality, or your identity document such as driver’s license, passport, or any forms of identification;

• Contact details, such as your residential or postal address, e-mail address, or telephone or mobile phone number;

• Employment information, such as the nature of your work or profession, name of employer;

• Banking and financial information, such as source of income, or the source of funds being remitted through us, or your bank account details;

• Personal information contained in any e-mail entering or exiting our servers.

We also collect information on the purpose of transaction, and the person/s who will receive the money that you are sending such as contact details, banking and financial information, and your relationship to such person.

We may also collect any additional information relating to you that you provide to us directly through our websites or indirectly through the use of our websites or other online facilities, or through our representatives or otherwise.

What personal information are we required to collect?

We are required to collect personal information under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) and its Regulations, and in accordance with Part 10 of the AML/CTF Act.

This will also serve as confirmation that you are giving your consent for the Bank to disclose any or all of the following information through your designated broker / developer / referrer, such as JC North Home Loan - an accredited BDO home loan broker [as until July 2026],  to facilitate communication and allow faster processing of your loan application:

1. Status of loan application

2. Other compliance requirements

3. Loan amount

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If you have any questions regarding this policy, or your dealings with our website, please contact us here