Terms of Use
Data Privacy Terms & Conditions
Overview
The Bangkok Bank PCL Group processes personal andother data to fulfill its contractual obligations to its
clients and/or their Associated Persons, to comply withlegal obligations and regulatory requirements, or as
may be reasonably necessary to conduct its businessand other interests. In all cases where the Bangkok
Bank PCL Group processes the said personal and otherdata, it will uphold the rights of its clients and/or their
Associated Persons under the Data Privacy Laws andadhere to the general data privacy principles andrequirements for lawful processing.
Definition of Terms
In this Terms of Use, these terms have the following
meaning:

Associated

Person means any person whose
personal data the client provide or is provided on theclient’s behalf to the Bangkok Bank PCL Group, or is
obtained by the Bangkok Bank PCL Group from
regulatory authorities or publicly available sources, inconnection with the provision of products and services
to the client. This includes family members and/or
relatives by consanguinity or affinity, minors and otherpersons under the authority or guardianship of theclient, members of the management board,
incorporators, directors, investors, beneficial owners,
officers,
employees,
representatives,
account
signatories, agents, subcontractors and theirpersonnel, and related parties, such as guarantors,
security providers or obligors.
Regulatory Obligations means the obligations of

the Bangkok Bank PCL Group under (i) the Laws, (ii)the requirements, instructions, directives or requests
of a Regulator, including those relating to client
verification process, i.e., know your customer
requirements.

Data Privacy Law means the Philippines’ Republic

Act No. 10173 (Data Privacy Act of 2012) and/or
Thailand’s Personal Data Protection Act B.E. 2562,
their Implementing Rules and Regulations (IRR), andother issuances of the Philippines’ National Privacy
Commission and/or Thailand’s Personal Data
Protection Committee.

Bank means Bangkok Bank PCL, its Manila Branch,
and any of its other branches.

Bangkok Bank PCL Group means and includes the

Bank and any of the Bank’s branches, its affiliates,
subsidiaries or representative offices. Reference to the
Bangkok Bank PCL Group includes any successor
which, under the laws of the jurisdiction of its
incorporation or domicile, has assumed the rights andobligations of any member of the Bangkok Bank PCLGroup, or to which under such laws the said rights andobligations have been transferred.

Laws means any local or foreign law, regulation,order, ordinance, rule, judgment, decree, sanction,
court order applicable to the Bangkok Bank PCL Group,

agreement between any member of the Bangkok BankPCL Group and a Regulator, or agreement between
Regulators and applicable to a member of the Bangkok
Bank PCL Group.

Regulator means any local or foreign central bank,executive, administrative, judicial, quasi-judicial or
regulatory body, government, tax authority, securities
or other exchange, law enforcement agency and theiragents, anti-money laundering body, governmental
credit information agency, public authority that has
supervision and jurisdiction over any member of the
Bangkok Bank PCL Group, or industry body, market
operator, or association of financial services.
Collection & Processing of Personal Data
In connection with the Purposes identified in thisTerms of Use, the personal data about the client or the
Associated Person that the Bangkok Bank PCL Groupmay collect and process would include:

Data that can identify the client and/or the Associated
Person/s whether directly or indirectly:a) Personal identification (e.g., name, gender,
age, date and place of birth, specimen signature,biometrics, Tax Identification Number, Social
Security System (SSS) Number or Government
Service Insurance System (GSIS) number, facial
photograph, membership, work history, benefit,
information relating to insurance, profession, job,
occupation, business or trade, education, personal
information stated or recorded in constitutional,organizational, incorporation or other documents
such as but not limited to national identification
card, passport, residence certificate, alien
identification card, work permit, SSS/GSIS
identification card, driver’s license, car registration
certificate, business license and/or permit).
b) Contact information (e.g., telephone and mobile
numbers, facsimile numbers, residence andbusiness addresses, personal and business email
addresses, names or accounts of applications ordigital channels, such as LINE, Google, Facebook,YouTube,Twitter, WhatsApp or WeChat,
information received by the Bangkok Bank PCLGroup through branches, telephones, electronic ordigital channels, social media, information fromCCTV and on-site services which may be displayedor recorded in written form, recording tape orrecord of transactions, photos or motion images).
c) Financial and transaction information,
including source of fund (e.g., deposit accountnumber, investment account number, credit card
number, debit card number, type of credit anddebit card, deposit account statement, transaction
information made through electronic card or via
electronic or digital channels, income andexpenditure information, credit information, credit
rating information, debt payment information,asset information, financial status information, risk

assessment information (such as information
relating to suitability test for investment or
financial transaction, investment ability, debt
settlement, or performance under a service
agreement), information generated from analysisof the personal data, information about an act oraccusation of an offense, prosecution andexecution information, information relating toinsurance or investments through the Bangkok
Bank PCL Group, making or receiving payment
information, information for compliance with theAnti-Money Laundering Act and the Foreign
Account Tax Compliance Act (FATCA), any otherinformation related to the use of or request forservices and transactions with the Bangkok BankPCL Group).
d) Technical information (e.g., Internet Protocol(IP address), Media Access Control (MAC) address,
the identification code affixed to the device
connected to the network and the network (MAC
address), log, device ID, Application Programming
Interface (API), cookies, type and version of plugin, browser, operating system and platform,
internet system or mobile network, geographic
location, device setting and other technical data
derived from the use of the platform, applicationand operating system of the Bangkok Bank PCLGroup).
e) Usage information (e.g., username, password,
search information, visitation statistics, active
menu, time spent on the website, platform, andapplication, timestamp of last click, favorite menu,
Q&A, log file, communication information with the
Bangkok Bank PCL Group).
f) Behavioral information (e.g., information
relating to personal interests or preferences, andcharacteristic of use or utilization of services).
g) Referees (personal or business).

Sensitive personal data that the Bangkok Bank PCLGroup must obtain consent from the client before
collecting such sensitive personal data (e.g., biometricdata such as facial recognition, fingerprint recognition,
iris and voice recognition data; religion; criminal
records; data concerning heath or any other data asprescribed by the Philippines’ National Privacy
Commission and/or Thailand’s Personal Data
Protection Committee.

Other personal and sensitive personal data the client

submitted or will submit as part of the Bangkok BankPCL Group’s KYC (Know-Your-Customer) and onboarding requirements, whether recorded in a material
form or not, from which the identity of the client or the
Associated Person is apparent or can be reasonably
and directly ascertained by the Bangkok Bank PCLGroup, or when put together with other information
would directly and certainly identify the client or the
Associated Person.
Purposes
The Bangkok Bank PCL Group may process the client’s
and/or the Associated Person’s personal data for anyof the following lawful and business purposes(“Purposes”):a) To allow the Bangkok Bank PCL Group and its
business partners to offer or recommend products,
services, benefits and special offers to the client
and/or Associated Person;b) To analyze, research and develop products orservices of the Bangkok Bank PCL Group or
business partners to meet the client’s preferences;c) To contact and offer information, benefits,
products and services that the Bangkok Bank PCLGroup considers suitable for the client’s
preferences;d) To transfer the client and/or the Associated
Person’s personal data to and within the Bangkok
Bank PCL Group, including its agents, or any
person in a foreign country and related to theperformance in accordance with the client’s
request;e) To consider, develop and improve the internal
processes of the Bangkok Bank PCL Group inaccordance with the rules, guidelines andrecommendationsprescribedbyregulatory
agencies overseeing the business conduct of the
Bangkok Bank PCL Group;f) To access the Bangkok Bank PCL Group's services
conveniently and easily or to provide suitable
services to the client, by using the client’s sensitive
personal data;g) For the daily operation or provision of services,
products, facilities and other banking services totheclient;trade
reporting;performance/enforcement of the agreement
between the Bangkok Bank PCL Group and theclient;h) For managing the client relationship, or acting on,
managing or carrying out any of the client’s
transactions, requests or queries in connection
with the client’s contract with the Bangkok BankPCL Group including in connection with events andconferences sponsored by the Bangkok Bank PCLGroup;i)

In connection with any escalation and investigationof complaints and prevention or reporting offinancial crimes;j) Fulfilling all of Bangkok Bank PCL Group’s
Regulatory Obligations and disclosures, reportorial
requirements under the Laws, and compliance withall the regulatory requirements and mandates of aRegulator (including reporting under the FATCA;k) Implementing internal credit, risk and control,
management, administrative, operational andcompliance functions/programs/policies (including
product development and planning, insurance andaudit);l)Enhancing or upgrading the Bangkok Bank PCLGroup’s infrastructure, operational, technical andother internal confidential systems and processes
maintained by or on behalf of the Bangkok BankPCL Group;m) Complying with or enforcing terms and conditionsof any agreement entered into by or on behalf of
the Bangkok Bank PCL Group which it is bound toobserve; orn) Assisting any assignee, transferee, participant,sub-participant or any proposed assignee,

proposedtransferee,
proposedparticipant,proposed sub-participant of any of the Bangkok
Bank PCL Group’s rights or obligations (or of
Bangkok Bank PCL Group’s participations orinterests in any credit) to conduct due diligence orverification on the client and any related third
parties (including, but not limited to, its
guarantor(s), security provider(s) or obligor(s)),
and/or any individuals connected to such parties.
Recipients
In connection with the Purposes, the Bangkok BankPCL Group may transfer and disclose the client’s andthe Associated Person’s personal data to any of thefollowing persons or entities in any jurisdiction(“Recipients”):a) Any company or entity within the Bangkok BankPCL Group;b) Staff hired or engaged by the Bangkok Bank PCLGroup;c) Regulator;d) Insurers, depositories, central clearing parties,
clearing houses, affiliated or unaffiliated providersof outsourced or other services;e) Trade repositories or similar facilities or institutions(and related third party service providers, such as
custodians, sub-custodians and depositories);f) Any court of competent jurisdiction, in defense ofclaims or enforcement of rights and/or uponcompetent court’s order or any other ground/s
allowed under applicable law;g) Legal, tax and other professional advisers andauditors of the Bangkok Bank PCL Group who areunder a duty of confidentiality; andh) An assignee, transferee, participant, subparticipant or a proposed assignee, proposedtransferee, proposed participant, proposed subparticipant of any of the Bangkok Bank PCLGroup’s rights or obligations.
The Bangkok Bank PCL Group may also share theclient’s or the Associated Person’s personal data with athird party:a) to whom the Bangkok Bank PCL Group transfer
any of its rights and obligations, or assign its
rights;b) that processes information, transactions, services
or accounts on behalf of the Bangkok Bank PCLGroup; orc) in connection with the sale, acquisition or
restructuring of any member of the Bangkok BankPCL Group.
Where the Bangkok Bank PCL Group transfers personal
data outside of the Philippines, it will take reasonable
steps to ensure that the Recipients have a standard ofprotection and policies in place equal to or higher thanthose provided in the Data Privacy Law and its IRR.
Retention
The Bangkok Bank PCL Group shall not retain personal
data longer than necessary or allowed underapplicable laws and regulations.

Reasonable Security Measures
The Bangkok Bank PCL Group uses appropriateorganizational security, physical and technicalmeasures and processes for safeguarding andprotecting personal data. It is committed to implement
physical, electronic, and procedural safeguards toprotect personal data against loss, misuse, damage
and unauthorized processing, access, disclosures ormodifications of personal data. The Bangkok Bank PCLGroup continuously reviews and enhances its security
policies and security measures to consistently maintaina high level of security.
Rights under the Data Privacy Law
Subject to the conditions and exemptions provided
under the Data Privacy Law, the client and/or the
Associated Person has the right to:•

be informed whether their personal data shall be,
are being, or have been processed;•

object to the processing of their personal data andhave reasonable access to their personal data;•

dispute the inaccuracy or error in their personal
data and have the Bangkok Bank PCL Groupcorrect it immediately and accordingly;•

suspend, withdraw or order the blocking, removal
or destruction of their personal data from Bangkok
Bank PCL Group’s filing system;•

be indemnified for any damages sustained due tosuch inaccurate, incomplete, outdated, false,
unlawfully obtained or unauthorized use of theirpersonal data.

The Bangkok Bank PCL Group may process personal
data for any of the Purposes stated herein for theduration of the client’s contract with any member ofthe Bangkok Bank PCL Group and for such period as it
is allowed under the Law to process or retain personal
data. In no case shall the Bangkok Bank PCL Groupuse personal data outside of the Purposes statedherein.
The client also authorize the Bangkok Bank PCL Groupto disclose any information related to the client’s
foreign exchange deals, money market, securities
trades and all other transactions with Bangkok BankPCL Group, to the extent necessary to process andsettle said transactions, to branches and subsidiariesof the Bangkok Bank PCL Group. Bangkok Bank PCLGroup confirms that its Intra-Group policy covering themembers of the Bangkok Bank PCL Group and thecode of conduct for their personnel containappropriate provisions to ensure and protect theconfidentiality of any and all information received from
Bangkok Bank PCL Group.
This Terms of Use is governed by the Data Privacy
Law, and the parties submit to the jurisdiction ofPhilippines courts, to the exclusion of all other courts.

For any concern, please contact us atmanila_cs@bangkokbank.com.

Privacy Notice
The Bank hereby informs you that the Bank will collect, use and disclose personal data inaccordance with your Consent for Collection, Use and Disclosure of Personal Data provided in the
succeeding section, and to provide protection to your personal data as required under the Data
Privacy Law. In case you suffer any damage due to the Bank’s fault or negligence in not collecting,using and disclosing your personal data in accordance with this Terms of Use (Data Privacy Terms &Conditions) and the Consent, the Bank will be responsible for any damage suffered by you.
Other than in this Terms of Use (Data Privacy Terms & Conditions), the Bank has also publisheddetails of the collection, use and disclosure of personal data in the Privacy Notice at
https://www.bangkokbank.com/en/Privacy-Notice in accordance with the Data Privacy Law. The
same notice can be found in the Bank’s other branches and/or applications. You are therefore
advised and encouraged to read and understand thoroughly the details specified under this Terms ofUse (Data Privacy Terms & Conditions) and in the Privacy Notice before deciding whether to give
your consent.
Consent for Collection, Use and Disclosure of Personal Data
As customer and Data Subject of the Bank, I/we acknowledge that I/we have read and understoodthoroughly the terms and conditions provided under this Terms of Use (Data Privacy Terms &Conditions) and the Bank’s Privacy Notice, with the objective of getting my/our consent related to
the Collection, Use, and Disclosure of Personal Data ( “Consent”). I/we therefore hereby agree andgive consent to the Bank to collect, use and disclose my/our personal data for which the Bank isrequired to obtain my/our consent beforehand as requested and for the following purposes:
1. I/we consent to the Bank to collect, use and disclose personal data for analysis, research anddevelopment of products or services of the Bank, companies within the Bank’s financial group or
business partners to meet my/our preferences as well as creating personalized service model forservice provision for me/us;
2. I/we consent to the Bank to collect, use and disclose personal data to contact and offer
information, benefits, products and services that the Bank considers suitable for my/our
preference;
3. I/we consent to the Bank to transfer my/our personal data to the Bank’s branches, agents or
any person in a foreign country and related to the performance in accordance with my/ourrequest;
4. I/we consent to the Bank to collect, use and disclose personal data for consideration,
development and improvement of the Bank’s internal processes in accordance with the rules,
guidelines and recommendations prescribed by regulatory agencies overseeing the businessconduct of the Bank;
5. I/we consent to the Bank’s disclosure of my/our personal data to companies within the Bank’s
financial group as listed and announced by the Bank through the Bank’s website or otherchannels and to business partners of the Bank for offering and recommending products,
services, benefits and special offers to me/us;
6. I/we agree and consent to the Bank’s collection and use of sensitive personal data, namely facialrecognition data, voice recognition, iris recognition as well as information stated and recorded in
identification card, which I/we have provided to the Bank and which the Bank will obtain in
accordance with service provision for me/us or from other sources for facial comparison or
identity identification and verification in applying or using services with the Bank and/or otherpersons as per my/our request, and to disclose sensitive personal data as stated above to such
persons when necessary or relevant to the processing for the purposes above; and7. I/we consent to the Bank’s collection and use of sensitive personal data, such as health-related
information and criminal records, which I/we have provided to the Bank and which the Bank willobtain in accordance with service provision or from other sources or any other similar
information for considering financial service provision, debt restructuring or debt reschedulingsuitable to me/us, and to disclose sensitive personal data as stated above to regulatory agencies
overseeing the business conduct of the Bank or companies within the Bank’s financial groupwhen necessary or relevant to the processing for the purposes above. I/we hereby confirm that
I/we have read and understood the details specified in the Privacy Notice and in this Terms ofUse (Data Privacy Terms and Conditions). In case I/we have given my/our consent to the Bank,
this Consent will be in addition to the one previously given to the Bank.
I/we have read and understood the statements in this Consent. I/we hereby consent to the Bank tocollect, use and disclose my/our personal data in accordance with this Consent.
If the personal data involved are those of my/our Associated Persons, I/we represent and warrant
that I/we have obtained their respective consent for the collection, use and disclosure by the Bankof their personal data in accordance with this Terms of Use (Data Privacy Terms and Conditions)and, accordingly, the Privacy Notice shall be deemed to have been given by the Bank to them(instead of to me/us) and this Consent shall be construed as given directly to the Bank by them(instead of by me/us).