CEBUANA LHUILLIER 24K VIRTUAL CARD
TERMS AND CONDITIONS

1. DEFINITION OF TERMS

As used herein, the following terms shall have the corresponding meaning:

"24k VIRTUAL CARD" - refers to the Membership Card issued by PJ Lhuillier, Inc. (Cebuana Lhuillier) as part of its Rewards Card Program for its clients.
"24k ONLINE PORTAL" - refers to the web and mobile responsive portal of Cebuana Lhuillier.
"CARD HOLDER" - refers to a person issued with a 24k Virtual Card.
"ISSUER"- P.J. Lhuillier, Inc. (Cebuana Lhuillier)
"SERVICES" - all the services provided by PJ Lhuillier, Inc. via 24k Online Portal's card holder, and "Service" means any one of them.
"REGISTER/REGISTRATION" - to create an account on the 24k Online Portal.

2. THE CEBUANA LHUILLIER 24k CARD ("24k CARD")

The 24k Virtual Card is the sole property of PJ Lhuillier Inc (Cebuana Lhuillier). The privileges of the 24k Virtual Card may be revoked, terminated, withheld or suspended by the issuer at any time and for whatever reason or cause without need of prior notice to the Cardholder. The Cardholder agrees to hold the issuer free and harmless from any claim for damages arising from such termination, withholding or suspension.

3. RESPONSIBILITY OF CARD HOLDER

The Cardholder shall be liable for all transactions made through the use of the 24k Virtual Card.

4. MEMBERSHIP

All Cebuana Lhuillier clients can apply for the 24k Virtual Card. Existing 24k Cardholders have the option to also apply for the 24k Virtual Card.

5. TERMS OF USE

By using this website (“24k Online Portal”), you agree to be bound by these Terms and Conditions of Use. We reserve the right to amend these terms and conditions at any time. If you disagree with any of these Terms and Conditions of Use, you must immediately discontinue your access to 24k Online Portal and your use of its services. Continued use of 24k Online Portal will mean that you accept these Terms and Conditions of Use, and you accept the likelihood of its amendment from time to time.

6. APPLICABILITY OF TERMS AND CONDITIONS

The use of any Services and/or the 24k Online Portal is subject to these Terms and Conditions of Use. 24k Online Portal can be accessed through a desktop, PC, or mobile device using a web browser. User must register to utilize the 24k Online Portal. 24k Online Portal will be made available to card holders with no fee, unless otherwise determined by the issuer.

The 24k Online Portal is completely customer self-service where card holder shall enter/provide the 24k card number and preferred password. The issuer recommends the use of a strong but easy to remember log in details.

24k Online Portal processes financial and non-financial transactions such as: View and Transfer Points, Domestic and International Partner Search, Domestic Remittance Tracking, Branch Locator, Buy e-Load Using Points, Appraisal Calculator, Online Appointment, Buy Insurance Using Points, Change Password, and View Personal Information

We reserve the right to change, modify, substitute, suspend or remove without notice any information or Services on the 24k Online Portal from time to time. Your access to the 24k Online Portal and/or the Services may also be occasionally restricted to allow for repairs, maintenance or introduction of new facilities and or services. We will attempt to restore such access as soon as we reasonably can.

We reserve the right to block access and or edit or remove any material which in our reasonable opinion may give rise to a breach of these Terms and Conditions of Use

Cardholder has full responsibility over the security of his/her PC, Mobile Device/s, SIM card and confidentiality of his/her User ID and password/s and all transactions, whether valid or fraudulent, authorized or unauthorized, made through said PC, Mobile Device/s/SIM card and via 24k Online Portal, if such fraudulent or unauthorized transaction was caused by or is a result of the User's fault or negligence. The issuer encourages the cardholder to change password regularly, especially when account details have been exposed.

It is cardholder's sole responsibility to change the password through 24k Online Portal if its confidentially has been reasonably suspected to have been compromised to avoid any unauthorized use of the cardholder's account. The issuer shall not be liable for any unauthorized use / misuse of the 24k Online Portal due to theft or loss of the PC, Mobile Device/SIM.

7. HOW TO EARN AND REDEEM REWARDS POINTS

There are six ways that the card holder can earn reward points:

1) Pawning Transactions (sangla, tubos, at tubo) - monthly interest and liquidated damages paid by the pawner will earn a corresponding number of reward points.

2) Domestic Sending Money Remittance Transactions - remittance service fee paid by the sender will earn a corresponding number of reward points.

3) International Remittance Transactions - every international sending transaction will earn five (5) points and three (3) points for every international payout transaction.

4) ACP Gold or ProtectMax Transactions - every Certificate of Cover (COC) purchased will earn one (1) point.

5) New MicroSavings Account - New MicroSavings account will earn 2 points.

6) Select eCebuana App Transactions - earn 1 point for PHP500 and up principal or transaction amount (Bills Payment, Load Top-up, DomRem via Cash Pickup, Fund Transfer)

• If no error is reported by a Card Holder within 7 days from the last transaction, Reward Points reflected on the receipt shall be deemed correct
• Fraud and abuse relating to earning and transfer of points in the rewards program may result to forfeiture of accumulated points as well as the cancellation of a Card Holder's 24k Card or Virtual Card.
• Fraud and abuse relating to earning and transfer of points in the rewards program may result to forfeiture of accumulated points as well as the cancellation of a Card Holder's 24k Card or Virtual Card.
• The issuer reserves the right to change the Rewards Points earning rate. The issuer also reserves the right to restrict or limit the number of Rewards Points earned on each transaction in connection with special program, facilities and promotional activities.

8. PARTICIPATING PERSON

Only Card Holders of the 24k Card and 24k Virtual Card are eligible to participate in the Rewards Program.

9. PRIVILEGES

• The cardholder will be entitled to discount on transaction fees and certain privileges in selected merchants and partner establishments.
• The cardholder is also entitled to special service offerings and other exciting freebies.

10. EXPIRY OF REWARD POINTS

If a 24k Virtual Card is dormant for one (1) year, the stored Reward Points shall be forfeited.

11. ACCREDITTED ESTABLISHMENT

The Issuer shall be honored at all accredited merchants. However, the Issuer shall not be liable to the Cardholder, if for any reason, the Merchant does not honor the 24k Virtual Card. The Cardholder agrees to hold the Issuer free and harmless from any and all claims for damages resulting from acceptance or non-acceptance by an accredited merchant.

12. TERMINATION

In the event the Cardholder (i) fails to comply with any of the terms and conditions governing the use of the 24k Virtual Card, or (ii) for any reason, the Cardholder dies, the right to use the 24k Virtual Card shall forthwith be terminated, without the necessity of demand, which the Cardholder hereby waives.

13. LIMITATION OF LIABILITY

In the event of any action which a Card Holder may file against the Issuer for any cause whatsoever, the Card Holder agrees that the Issuer has no liability. If any, it shall not exceed the amount of One Thousand Pesos (Php1, 000.00) or the damages actually proven to have been suffered by the Card Holder, whichever is lesser.

14. PROMOS

The Card Holder hereby authorizes Issuer and its affiliates to offer participation to promotional offers, advertisements, surveys or other similar programs by communicating in any means of communication.

15. AMENDMENTS

Issuer may, with or without prior notice, at any time and for whatsoever reason it may deem proper, amend, revise or modify the terms and conditions hereof, and any such amendment shall bind the Card Holder.

16. NON-WAIVER OF RIGHTS

No failure or delay on the part of the Issuer in exercising any right or power hereunder shall operate as a waiver thereof nor shall any partial or single exercise of any such right or power preclude any other right or power there under. No waiver by Issuer of any of its or powers herein shall be deemed to have been made unless expressed in writing and signed by its duly authorized representative(s).

17. ASSIGNMENT/TRANSFER OF RIGHTS

All rights and interests of the Issuer under this Agreement may be assigned or transferred by the Issuer without the consent of the Card Holder, his/her supplementary or surety(ies), if any.

18. COMPLIANCE

The Cardholder agrees to fully comply and abide by the terms and conditions governing the use of the card, laws, statuses and regulations and other access devices in commercial transactions.

19. BINDING EFFECT

The terms and conditions provided herein, all bind the parties, their heirs, executors and administrators, as well as their successors and assigns. The Cardholder confirms to have read and understood the Terms and Conditions herein by agreeing on the 24K Virtual Card.

Data Privacy Policy

P.J. LHUILLIER, INC. respects our customers’ fundamental right to privacy, and we commit to take great care in safeguarding your personal data. We have developed a Privacy Policy that aims to ensure that we adopt and observe appropriate standards for personal data protection in compliance with Republic Act No. 10173 or the Data Privacy Act of 2012 and its implementing rules and regulations.

While our Privacy Policy sets out the general principles that govern the collection, use, and disclosure of our customers’ personal information, we have also developed this Privacy Commitment to inform you more specifically about our privacy practices.

Why we collect your personal information

As a member of the 24K Program, we collect and maintain some basic information about you. We do so only for the following purposes:

• To create and nurture a relationship with you, so that we can continuously provide you with the various services and perks made available by the 24K Program. For example, when you submit your application form to join the Program, we collect personal information about you that will allow us to validate your identity and transaction history to determine if you are qualified to receive reward points.
• To improve our Program. We collect, use, process, and analyze your Program related activities so that we can understand how to improve our Program for your benefit.
• To understand your needs and preferences so that we can serve you better. Maintaining a record of the products and services that you avail the 24K Program allows us to gain a better insight of the kinds of offers that would be relevant to your preferences. We may send you product recommendations and special offers that we think will interest you.
• To continuously improve our business and operations. For example, we provide customer care activities, monitor the quality and security of the network, train our staff, and plan for future growth.
• To meet legal and regulatory requirements. We perform such other processing or disclosure that may be required to comply with pertinent laws, rules, or regulations.

Where we get these information

There are several ways we collect information about you.

Information that you personally give us.

Most of the personal information we have are those that you have given us yourself. You provide us personal information when you:

• Apply for membership by filling out Application Forms, Subscription Agreements, and other similar or related documents through any of our available channels, including any similar forms you submit to your service providers (online, in our stores, or through our Sales representatives);
• Get in touch with us to ask about something or request for service;
• Take part in our research and surveys;

We also collect information as you avail of the services of the Program, like when you:

• Use our facilities and services;
• Use our apps, websites, and self-service channels and portals;
• Join Program activities

Information we collect from other sources

We also collect personal information about you through other activities such as our market research initiatives, when you visit and transact in our stores, when you visit and use our website, and from our subsidiaries, affiliates, and third-party business partners to whom you have given your consent for them to share your information with us.

When we disclose personal information

There are a variety of circumstances where we may need to share some of the information that you have provided to us. In these cases, we ensure that your personal information is disclosed on a confidential basis, through secure channels, and only in compliance with the Data Privacy Act.

We will never share, rent, or sell your personal information to third parties outside of PJLI. Except in special circumstances where you may have given your specific consent for, and as described in this policy.

In some instances, we may be required to disclose your personal information to our agents, subsidiaries, affiliates, business partners and other third-party agencies and service providers as part of our regular business operations and for the provision of our products and services. This means we may share your information with:

• Our service providers, contractors, and professional advisers who help us provide our products and services. This includes partner companies, organizations, or agencies, and their sub-contractors;
• Our Subsidiaries and Affiliates with whom you have also signed-up with. We do so only for the improvement of each other’s business and operations;
• Other companies to whom you have also given consent for us to share your information with; and
• Law enforcement and government agencies, but only when required by laws and regulations and other lawful orders and processes.

Please find the list of our affiliates and partners:

Cebuana Lhuillier

Cebuana Lhuillier Rural Bank

Cebuana Lhuillier Insurance Brokers

Cebuana Lhuillier Finance Corporation

Cebuana Lhuillier Jewelry

Cebuana Lhuillier Services Corporation

How we protect your personal information

The integrity, confidentiality, and security of your information are important to us. That’s why we strictly enforce our Privacy Policy within PJLI and have implemented technical, organizational, and physical security measures that are designed to protect your information from unauthorized or fraudulent access, alteration, disclosure, misuse, and other unlawful activities. These are also designed to protect your information from other natural and human dangers.

We also put in effect the following safeguards:

• We keep and protect your information using industry-standard security like firewall, encryption and security controls;
• We keep your information only for as long as necessary for us to (a) provide the products and services that you avail from us, (b) for our legitimate business purposes, (c) to comply with pertinent laws, and (d) for special cases that will require the exercise or defense of legal claims;
• We restrict access to your information only to qualified and authorized personnel who are trained to handle your information with strict confidentiality.
• We undergo regular audits, rigorous testing of our infrastructure’s security protocols, may include independent third-party audits and testing to ensure your data is always protected;
• We promptly notify you and the National Privacy Commission, when sensitive personal information that may, under the circumstances, be used to enable identity fraud are reasonably believed to have been acquired by an unauthorized person;
• We let you update your information securely to keep our records accurate.

We will not collect, use, or disclose your personal information for any purpose other than those identified in this Commitment, Terms of Service, and any other purpose that you may have given your consent for.

What your choices are

You are afforded certain rights in relation to your personal data under the Data Privacy Act. We would like to ensure that we have your consent to continue to collect, use, and disclose your personal information for the purposes that we have identified. At the same time, we want you to know that you do have choices and can object or withdraw your consent and/or edit your consent preferences at any time.

If you wish to have access to your personal information in our records; or you think that such personal information we have of you is incomplete, not up-to-date, or otherwise inaccurate, you may get in touch with us at PJLI. In some instances, we may request for supporting documents or proof before we effect any requested changes to your personal information.

What happens when there are changes in our Policy

From time to time, we may update our privacy policy and practices to comply with changes in applicable laws, to comply with government and regulatory requirements, to adapt to new technologies and protocols, to align with industry best practices, and for business purposes.

You will always be provided notice either through SMS, e-mail , the website, or app if these changes are significant and, if we are required by law, we will ensure to obtain your updated consent.

Your Consent(s)

Throughout your use of our 24K Program services, you agree and allow PJLI to use your personal information for the following purposes:

1. To create and nurture a relationship with you.

We collect personal information about you when you apply for our products and services so that we can validate your identity. We use your personal information for providing you the best products, services and rewards.

2. Getting to know you better.

We also collect personal information about you through other activities such as our market research initiatives, when you visit and use our websites PJLI, and from our subsidiaries, affiliates, and third-party business partners to whom you have given your consent for them to share your information with us.

3. The improvement of our business and operations.

We analyze data about how you use our products and services to help us manage your account better, to provide you with customer care activities, to ensure your fair use of our products and services, to monitor the quality and security of our technology, to train our staff, and to plan for our future growth. We do this so that we can continue to provide you with the best experience for the products and services that you avail from us.

4. The improvement of our products and services.

We analyze how you use our products and services so that we can understand how to improve them for your benefit. Our analysis may include some sensitive information about your usage, such as the general locations and sites that you may frequent. In all cases, we ensure to aggregate and anonymize this information so that you are never identified as an individual.

* Aggregating simply means presenting information in segments or categories like age groups; anonymizing means removing information that can personally identify you from the data.

5. Sending you product recommendations, special offers, and promos.

We will send you offers that we think will interest you. We keep a record of the products and services that you avail from us so that we can gain a better insight of the kinds of offers that would be relevant to you. We also analyze the places where you may have used our products and services and use this information to send you exclusive offers available in locations that you may frequent. You can choose to unsubscribe from these messages anytime. Just let us know.

6. To interact with you on Social Media.

We place advertisements about our latest products and promotions on some of the most popular Websites, Social Media, and Search platforms. We may share information such as your mobile number, e-mail address, and cookies (from when you visit our websites) with the likes of Facebook and Google, to ensure that advertisements about our special offers are seen by you, as you browse their websites and apps.

7. Compliance with other legal and regulatory requirements.

We perform other activities and disclose data in cases where we are required to do so for us to comply with government laws, rules, or regulations and with other legal processes and orders.

There are some instances where we may need to share your information to our subsidiaries and affiliates, agents, business partners and other third-party agencies and service providers. We only share your information to enable us to continue providing you with the products and services that you have availed from us, and as part of our regular business operations that allow us to serve you better.

The Data Privacy Act of 2012 (Republic Act No. 10173) gives you rights in relation to the personal data that we have collected about you, including the right to object to certain ways in which we may use your data, the right to access your data at your request, the right to correct any inaccurate or outdated data about you, and the right to erase or remove your data from our records.