1. Personal Information We Process

In the course of facilitating your CTPL insurance application, we process only the information necessary for underwriting, policy issuance, and regulatory compliance, including:

• Personal information: Full name
• Contact information: Mobile number, email address, residential address
• Vehicle information: Plate number, MV file number, engine number, chassis number, make, model, and year
• Transaction data: Policy reference numbers and payment confirmation references

2. Legal Basis for Processing

We process your personal data under the following lawful bases:

• Contractual necessity — to process and facilitate your CTPL insurance application
• Legal obligation — to comply with requirements of the Insurance Commission, Land Transportation Office (LTO), and other applicable regulations
• Legitimate interest — to ensure system security, prevent fraud, and improve service performance, provided such interests do not override your fundamental rights and freedoms

3. Data Sharing

Your personal data may be shared only as necessary with:

• Travellers Insurance & Surety Corporation (TRISCO) — for underwriting and issuance of CTPL insurance policies
• Relevant government agencies — including the Insurance Commission and LTO, when required by law
• Service providers — such as SMS, email, and system processing providers for communication and delivery purposes

We do not sell or disclose personal data for marketing purposes.

4. Data Subject Rights

Under the Data Privacy Act of 2012, you are entitled to the following rights:

5. How to Exercise Your Rights

You may exercise your rights by contacting:

We may require identity verification before processing your request. We will respond within a reasonable period in accordance with NPC guidelines.

6. National Privacy Commission