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Saturday, 18 January 2025

Nation

Philippine Science High School main campus launches student wellness center

QUEZON CITY -- The Philippine Science High School (PSHS) Main Campus has officially unveiled a new Student Wellness Center, a significant initiative spearheaded by the PSHS Batch 1998 as part of their silver jubilee celebration. Recognizing the growing need for mental health support among students, Pisay ’98 envisioned the project as a way to complement the school’s commitment to academic excellence by fostering a supportive environment for student well-being. The batch collaborated with professionals to transform an old, deteriorating office into a vibrant, inviting space, which quickly became popular among students after its January 9, 2025, opening. The facility, affectionately called “Josie’s Nook,” honors Mrs. Josefina Yu, co-founder and matriarch of SEAOIL Philippines, Inc. It is designed to provide a calm and flexible environment where students can unwind and develop coping strategies for the challenges of academic life. The center’s interiors incorporate natural elements, calming colors, and adaptable spaces to promote relaxation and growth. Following its launch, students have enjoyed activities such as board games, arts and crafts, and moments of quiet reprieve from their studies. “We wanted to make sure that we do something meaningful because to us, Philippine Science High School is not just our school, it is our home,” shared Rebecca Ricalde, of Pisay ’98. “This project reflects our gratitude and our hope to make it a home for many more to come," she added. Pisay ’98 expressed their appreciation to the alumni community, donors, and the PSHS network for their support in bringing the project to life. “Today, we not only recognize the gifts that transform our school environment but also honor the spirit of giving that is alive (not just) in our alumni community but also in the bigger Filipino community,” Ricalde said. Stephen Yu of SEAOIL highlighted the family’s dedication to education and expressed optimism about the impact of the wellness center. “I'm hoping that the memories for that room moving forward will now change to something where they look back and they say, this is where I had the best time when I was in Pisay,” Yu said. The project received backing from various organizations and individuals, including SEAOIL Philippines, Inc., Palawan Pay (led by Mr. Karlo Castro of Batch ’98 and Mrs. Maria Claribelle Ogerio-Castro of Batch ’99), Vice Governor Mark Ronald DG Lambino, Atty. Melanie Sia-Lambino, the Asian Institute of Management, Organica Nutrition Inc., and E*Chimes Pharmaceutical Inc. The inauguration event was attended by prominent figures, including Mr. Glenn L. Yu, CEO of SEAOIL Philippines; Mr. Stephen L. Yu, President (Commercial) and COO of SEAOIL Philippines; Mr. Mark L. Yu, President (Retail) and CFO of SEAOIL Philippines; Mr. Karlo Castro, President and CEO of the Palawan Group of Companies; Mr. Orlando Bautista, CEO of E*Chimes Pharmaceutical; Dr. Rod Allan De Lara, PSHS Main Campus Director; and Dr. Reynaldo B. Vea, Chairman of the PSHS Foundation. Other attendees included PSHS Batch ’98 alumni, members of the PSHS faculty and staff, PSHS Foundation officers, students, and parents. 📷 PSHS Batch 1998 6 hours ago

NATION

Lawmakers push to delay 2025 SSS contribution hike amid economic challenges

MANILA -- Lawmakers have urged the Social Security System (SSS) to postpone its planned increase in member contributions, citing the financial strain on wage earners amid high inflation and rising living costs. Senator Risa Hontiveros filed Senate Resolution No. 1269, calling for an investigation into the impending hike. She argued that the timing was inappropriate, as many Filipinos are still financially recovering from the pandemic. “While workers’ earnings have continued to lose value over the years, the investment earnings of the SSS have steadily increased. Where will this huge profit go?” Hontiveros said in a statement. “Many of our citizens still lack savings due to the pandemic, and their earnings have been devalued further by inflation. The SSS should not reduce their already small take-home pay with this contribution increase,” she added. Hontiveros emphasized the need for a deeper review to balance the financial sustainability of the SSS with the welfare of ordinary workers. “The SSS should remain a lifeline in times of need, not an added weight that drags its members down,” she stressed. Senator Bong Go echoed these concerns, warning that the increase could place additional pressure on workers and small businesses already struggling economically. “I urge the government’s finance managers to thoroughly assess and consider this proposal to unburden the poor while not compromising the benefits they can expect from SSS,” Go said. “Kung ako tatanungin, pabor ako na pansamantalang huwag munang ipatupad ang pagtaas sa SSS contribution ngayong taon na inaasahang magiging 15% base sa suweldo ng mga manggagawa sa pribadong sektor,” he added. Former SSS Head Backs Proposal Former SSS President Rolando Macasaet also supported calls to delay the rate hike, suggesting that temporarily halting or implementing the increase gradually would not significantly affect the fund’s financial health. Macasaet highlighted the agency’s strong performance, citing an income of over PHP 100 billion in 2024. “Given the current economic climate, a delay in the increase would provide much-needed relief to SSS members,” he said. Malacañang Maintains Support for Contribution Hike Despite opposition from lawmakers, Malacañang reaffirmed its support for the scheduled SSS contribution increase, emphasizing that the adjustment was based on extensive planning and actuarial studies. Executive Secretary Lucas Bersamin dismissed calls for an immediate suspension, stating that the government had not received an official request to review the increase. “We cannot arbitrarily halt these adjustments. The SSS has a respected actuary, and their expertise must be trusted,” Bersamin said. The planned contribution hike is part of Republic Act (RA) 11199, or the Social Security Act of 2018, which mandates periodic increases in SSS premiums to strengthen the pension fund’s financial stability. Since its implementation in 2019, contribution rates have gradually risen from 12% to 14%. In 2025, the rate is set to reach 15%, with employers covering 10% and employees contributing the remaining 5%. 📷 SSS

2 days ago

DTI reminds vape importers and manufacturers to register for PS license

CITY OF SAN FERNANDO, Pampanga—The Department of Trade and Industry (DTI) has mandated businesses to secure a valid Philippine Standard (PS) License for all vaporized nicotine and non-nicotine products. This requirement is in line with DAO 24-11 on Supplemental Technical Regulations for DAO No. 22-06 (2022) and DAO No. 24-02 (2024) regarding the Mandatory Product Certification of Vaporized Nicotine and Non-Nicotine Products. The regulation applies to all covered products intended for importation, distribution, and sale in the Philippines, whether through online platforms, digital marketplaces, or brick-and-mortar stores. Manufacturers, importers, and distributors that fail to meet the certification deadline will be in violation of Section 18 of RA 11900, also known as the “Vaporized Nicotine and Non-Nicotine Products Regulation Act.” This law establishes technical standards to ensure the safety, consistency, and quality of these products. Section 19 of the same act stipulates that only duly registered vaporized nicotine and non-nicotine products, along with their devices or novel tobacco products, may be sold, advertised, or distributed through any means. Non-compliance with the certification requirements will result in penalties under Section 23(c) of RA 11900: ● First offense: Fine of PHP 100,000 ● Second offense: Fine of PHP 200,000 ● Third offense: Fine of PHP 400,000, imprisonment of up to three years, or both, at the court’s discretion. Business permits and licenses may also be revoked or canceled. The Office for the Special Mandate on Vaporized Nicotine and Non-Nicotine Products, their Devices, and Novel Tobacco Products (OSMV) urges consumers to remain vigilant and report any violations, including the sale of uncertified products and actions of errant distributors and retailers. 📷 Renz Macorol, Pexels

3 days ago

DTI reminds vape importers and manufacturers to register for PS license

CITY OF SAN FERNANDO, Pampanga—The Department of Trade and Industry (DTI) has mandated businesses to secure a valid Philippine Standard (PS) License for all vaporized nicotine and non-nicotine products. This requirement is in line with DAO 24-11 on Supplemental Technical Regulations for DAO No. 22-06 (2022) and DAO No. 24-02 (2024) regarding the Mandatory Product Certification of Vaporized Nicotine and Non-Nicotine Products. The regulation applies to all covered products intended for importation, distribution, and sale in the Philippines, whether through online platforms, digital marketplaces, or brick-and-mortar stores. Manufacturers, importers, and distributors that fail to meet the certification deadline will be in violation of Section 18 of RA 11900, also known as the “Vaporized Nicotine and Non-Nicotine Products Regulation Act.” This law establishes technical standards to ensure the safety, consistency, and quality of these products. Section 19 of the same act stipulates that only duly registered vaporized nicotine and non-nicotine products, along with their devices or novel tobacco products, may be sold, advertised, or distributed through any means. Non-compliance with the certification requirements will result in penalties under Section 23(c) of RA 11900: ● First offense: Fine of PHP 100,000● Second offense: Fine of PHP 200,000● Third offense: Fine of PHP 400,000, imprisonment of up to three years, or both, at the court’s discretion. Business permits and licenses may also be revoked or canceled. The Office for the Special Mandate on Vaporized Nicotine and Non-Nicotine Products, their Devices, and Novel Tobacco Products (OSMV) urges consumers to remain vigilant and report any violations, including the sale of uncertified products and actions of errant distributors and retailers. 📷 Renz Macorol, Pexels

3 days ago

PROVINCES

OCD: 46k in Bicol evacuate due to heavy rainfall caused by Amihan

BICOL -- Over 46,000 people have been forced to evacuate in the Bicol Region due to heavy rainfall brought by the northeast monsoon (amihan) and the shear line, authorities said. Officials have warned of further flooding and rain-induced landslides as downpours continue across the region. The Office of Civil Defense in Bicol (OCD-5) reported that 9,896 families from four provinces have been displaced. “We are coordinating with provincial disaster risk reduction offices to verify the number of affected individuals,” OCD-5 spokesperson Gremil Alexis Naz said. More than 38,000 people are now in evacuation centers, while nearly 9,000 others have sought shelter with relatives, according to officials. Flooding has been reported in at least 32 local government units, with dozens of roads and bridges affected. Authorities stated that 35 roads remain impassable to all vehicles, while others are either restricted to light vehicles or reduced to a single lane. "We are monitoring 58 local roads and bridges affected by the continuous rain. As a result, 35 roads are not passable to all vehicles, 13 are not passable to light vehicles, five are one-lane passable, and five are passable to light vehicles," Naz said. The Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA) has warned that heavy rains caused by Amihan will continue in the region, particularly in the provinces of Camarines Norte, Camarines Sur, Albay, and Sorsogon. 📷 LDRRMO-Bato

3 days ago

Central Luzon records highest number of violators on the first day of the Comelec gun ban

CAMP OLIVAS, Pampanga – Central Luzon recorded the highest number of apprehensions on the first day of the Commission on Elections (Comelec) gun ban, along with 11 areas of concern for the upcoming midterm elections in May 2025. This was confirmed by Brig. Gen. Jean Fajardo, the newly appointed Region 3 police director, after attending her first flag-raising ceremony at this camp on January 13. Fajardo noted that as of 11:59 p.m. on Sunday, 25 gun ban violators had been arrested in the region, and some of the confiscated firearms were presented to the media on Monday morning. Eight of the violators were arrested in Nueva Ecija, six each in Bataan and Pampanga, three in Zambales, and two in Bulacan. Fajardo also mentioned that 314 checkpoints had been established across the region, with 2,438 police personnel deployed early Sunday morning to enforce the nationwide Comelec gun ban. She explained that carrying and transporting firearms, deadly weapons, and explosives are strictly prohibited from January 12 to June 11, 2025, as part of the election period, and violators face imprisonment ranging from one to 12 years. Meanwhile, Fajardo confirmed that there are 11 areas of concern in Central Luzon. She stated that 10 areas are under the yellow category, one under the orange category, and none under the red category. Fajardo did not specify the 10 areas under the yellow category but identified the area under the orange category as San Antonio in Nueva Ecija. 📷 Mon Lazaro

4 days ago

NCR

SC issues TRO against COMELEC disqualification order on former Cong. Egay Erice

MANILA, Philippines — The Supreme Court (SC) on Tuesday, January 14, issued a temporary restraining order (TRO) barring the Commission on Elections (COMELEC) from implementing its decision to disqualify former Caloocan 2nd District Rep. Edgar Erice from running in the 2025 midterm elections. SC spokesperson Camille Ting confirmed that the high court granted the separate petitions filed by candidates seeking to halt the COMELEC’s disqualification orders. “The SC issued a TRO prohibiting the COMELEC from disqualifying Erice,” Ting said. Ting added that the high court directed the COMELEC to submit its comment on Erice’s petition within a non-extendible period of 10 days from receipt of the notice. Erice had challenged COMELEC’s rulings, which led to his disqualification in November 2024 for allegedly spreading “false and alarming” information, a violation of Section 261 of the Omnibus Election Code. The poll body upheld its decision on Dec. 27, issuing a four-page Certificate of Finality that made his disqualification “final and executory,” resulting in his name being excluded from ballots printed on January 6, 2025. In April last year, Erice also petitioned the SC to stop COMELEC’s P17.9-billion Automated Election System contract with Miru Systems Co. Ltd., citing violations of the bidding process and non-compliance with Republic Act 7369, or the Automated Election Law. COMELEC Chairman George Erwin Garcia acknowledged the SC’s ruling as "part of the process," saying, “We will have to find a way to comply with the SC directive.” 📷 Egay Erice FB 3 days ago

Police seize P4.45 million worth of marijuana in buy-bust operation in Caloocan City

CALOOCAN CITY – Authorities seized Php 4.45 million worth of marijuana in a buy-bust operation conducted by the Caloocan City Police on Friday, January 3, 2025, at Block 2 Lot 20, Mentors Village Subdivision, Barangay 175, Caloocan City. According to the Caloocan City Police, two high-value target suspects were arrested: a 27-year-old male from Mentors Village Subdivision and his 21-year-old companion from Deparo, Caloocan. The operation involved a transaction with an undercover operative, which led to their apprehension. 34 marijuana bricks (34,000 grams) worth Php 4,080,000 were seized by the authorities along with 1 plastic bag containing 50 grams of high-grade marijuana (“kush”) worth Php 70,000, 3 plastic bags containing dried marijuana leaves, stalks, and tops (2,300 grams) worth Php 276,000, and 1 small marijuana brick (230 grams) worth Php 27,600. The suspects were arrested after being caught selling the drugs during the operation. In addition to the drugs, authorities also seized Php 15,000 in genuine currency, along with buy-bust money, including one real Php 500 bill and 13 counterfeit Php 1,000 bills. The arrested individuals are currently detained at the Caloocan City Police Station for documentation and further investigation. The seized evidence has been submitted to the NPD Forensic Unit for examination. The suspects were arrested for violating Section 11 of Article 2 of RA 9165 (Possession of Dangerous Drugs). 📷 Northern Police District FB

2 weeks ago

Erice still disqualified for 2025 polls- COMELEC

MANILA, Philippines — The Commission on Elections (Comelec) en banc has upheld the decision of its Second Division to disqualify former Caloocan 2nd District Representative Egay Erice from seeking a congressional seat in the upcoming 2025 national and local elections. In a decision made public on Friday, the Comelec en banc dismissed Erice’s motion for reconsideration (MR) filed on December 2, affirming the earlier ruling that disqualified him due to his allegations against the poll body and its election systems provider. Erice had accused Comelec of entering into a questionable joint partnership with South Korean firm Miru Systems Co. Ltd. and its partners, suggesting irregularities in the conduct of elections. The en banc resolution stated that Erice’s claims were “indiscriminate accusations and comments calculated to disrupt the electoral process and confuse voters.” The 30-page decision noted that Erice’s assertions were not protected speech as he claimed. “To our mind, the Commission (Second Division) correctly ruled in the affirmative,” the resolution stated. “WHEREFORE, premises considered, the Commission en banc affirms the Commission (Second Division) resolution dated 26 November 2024 insofar as it declared respondent EDGAR R. ERICE as DISQUALIFIED as a candidate for the position of Member, House of Representatives in the 2nd District of Caloocan for the 12 May 2025 National and Local Elections,” the decision further read. Erice, for his part, acknowledged the difficulty of overturning the ruling but stated that he would exhaust all legal remedies. “I am still filing because that is the process,” he said during an ambush interview after submitting his MR on December 2. “I cannot directly file to the Supreme Court if I am not exhausting all of my remedies.” The former congressman may elevate the case to the Supreme Court (SC) for review. Erice had previously sought the SC’s intervention in April to halt the implementation of Comelec’s ₱17.9-billion Automated Election System contract with Miru Systems. He claimed the contract violated Republic Act 7369, or the Automated Election Law, particularly provisions on bidding procedures and the requirement to use prototype machines during elections. The Comelec has yet to comment on whether Erice’s appeal to the Supreme Court would affect the implementation of the election system contract. 📷 Egay Erice FB

2 weeks ago

Lifestyle and Entertainment

BUSINESS

PH hosts regional cruise event

MANILA -- The Philippines, through the Department of Tourism (DOT), has formally opened and hosted Seatrade Cruise Asia 2024, a major cruise industry gathering. The event is taking place at the Shangri-La The Fort in Taguig City from Nov. 11 to 13, 2024. It gathers more than 350 delegates, including cruise line executives, itinerary planners, port agents, and tourism authorities from across the globe. The event is envisioned to mark a milestone in the Philippines' growing leadership in cruise tourism. The DOT said it would also reflect the country’s commitment to fostering a world-class cruise hub in Asia. “Hosting Seatrade Cruise Asia 2024 underscores the Philippines' readiness and capability to lead in cruise tourism,” DOT Secretary Christina Frasco said. “Our archipelago’s vibrant culture, exceptional hospitality, and breathtaking natural attractions make us an ideal destination for international cruise lines and travelers,” she added. Seatrade Cruise Asia 2024 opened with a welcome reception, showcasing Filipino heritage through captivating cultural performances. The event features networking sessions, learning forums, and strategic discussions aimed at propelling sustainable growth and regional collaboration in the cruise industry. Highlights of the event include a keynote discussion on the “State of the Asian Cruise Industry” and a ministry dialogue on the future of Asian cruise tourism, emphasizing sustainable practices and regional synergies. It is also set to provide an essential platform for dialogue and partnerships, which the DOT said would drive the country’s cruise tourism industry forward and reinforce its status on the global tourism stage. The DOT expects the event to mark a significant step in the nation’s expansion as a premier cruise destination in Asia. The Philippines recently introduced a Cruise Visa Waiver program to streamline travel access for international cruise passengers as part of its efforts to attract more cruise operators. The initiative is aimed at boosting the country’s appeal to global cruise lines by simplifying entry procedures, aligning with international tourism trends that prioritize ease of travel and accessibility. 📷 DOT

2 months ago

DTI rolls out financing program for ‘Kristine’-hit businesses

MANILA, Philippines -- The Department of Trade and Industry (DTI) has officially launched the Enterprise Rehabilitation Financing (ERF) Program, offering financial assistance to businesses impacted by Typhoon Kristine (Trami). “This ‘ERF Kristine program’ is aimed at providing the affected businesses with the resources they need to rebuild, recover, and restore their operations,” DTI Secretary Christina Roque said during the program launch on Nov. 7. The program, which has a P2 billion fund, is being implemented through the Small Business Corp., a government corporation under the policy program and administrative supervision of the Small and Medium Enterprise Development (SMED) Council of the DTI. It aims to assist micro, small, and medium enterprises (MSMEs) in areas placed under a state of calamity due to the storm. Under the ERF program, these businesses can avail themselves of a loan from SBCorp with a ceiling of P300,000, payable monthly for up to three years with zero interest and zero principal payment for the first year. In the second year, the interest rate will be 1 percent monthly, based on the diminishing balance for the following years. The program also includes a three-month grace period for interest and principal. “We really need this fund out there to help the people to be able to bounce back, especially, malapit na ang Pasko,” Sec. Roque said. “They could also take advantage of the Christmas season to be able to sell a lot of their products and to be able to have a merry Christmas also,” the DTI chief added. “This loan is really designed to really help those that were affected by typhoon Kristine. So, I encourage everyone from Luzon and all the affected areas to take advantage of this loan program,” she said. The DTI stated that eligible MSMEs may avail themselves of the loan within three processing days. Applications can be submitted online via the SBCorp loan portal. 📷 DTI Philippines FB

2 months ago

Philippines and Saudi Arabia ink deal on energy cooperation, AI exploration

Manila -- The Philippines’ Department of Energy (DOE) and the Kingdom of Saudi Arabia’s (KSA) Ministry of Energy have signed a vital partnership agreement to develop a strategy and roadmap for enhanced cooperation in energy development and potential engagements in Artificial Intelligence (AI). DOE Secretary Raphael Lotilla said, “Prince Abdulaziz (bin Salman Al Saud) and his team expressed interest in our native or naturally occurring hydrogen resources.” He added, “Given Saudi Arabia’s extensive expertise in the exploration and development of upstream sectors, this cooperation holds promising benefits for both countries.” The signed PH-KSA partnership agreement states that areas for cooperation will include petroleum derivatives, native hydrogen exploration, sustainable aviation fuel, digital technology for electrical systems management, and energy efficiency. The two parties will also look into AI to improve energy management, particularly “real-time monitoring, predictive maintenance, and energy forecasting.” Secretary Lotilla further stated, “We will also jointly explore the application of digital technology and artificial intelligence to enhance the management of our electrical systems and broader energy infrastructure.” He noted that digital technology and AI have the potential to revolutionize the energy sector by enabling real-time monitoring, predictive maintenance, and energy forecasting. This collaboration, he emphasized, aims to strengthen the country’s energy network by enabling smarter grids, automated control systems, and data-driven decision-making that can reduce waste, enhance resource utilization, and bolster energy security. “The DOE and KSA’s Ministry of Energy will hold bilateral meetings to tackle the details of this cooperation,” Lotilla said. 📷 Igor Omilaev, Unsplash

2 months ago

PH marks 7-year high employment data as manufacturing sector expands

MANILA, Philippines -- The country recorded a seven-year high in local employment in October 2024, according to S&P Global financial information and analytics on Tuesday, Nov. 5. Citing its Philippines Manufacturing PMI (Purchasing Managers' Index) data compiled from a survey conducted among manufacturers, S&P Global said this employment increase is primarily attributed to the sustained expansion of the manufacturing sector. The manufacturing sector has shown continuous improvement, driven by a strong increase in the volume of new product orders, the report highlighted. S&P Global stated, “Improved demand trends allowed firms to expand their workforce numbers strongly. Filipino goods producers ramped up hiring, with the recent wave of job creation marking the most significant increase since mid-2017.” It further noted, “Additionally, growth in employment allowed firms to work through the slight build-up of backlogs seen in the previous month and also keep up with current production requirements.” Maryam Baluch, economist at S&P Global Market Intelligence, emphasized, “Employment became the real stand-out this month [October], with the rate of job creation the strongest in over seven years.” The latest S&P Global Philippines Manufacturing PMI, which measures factory output, showed that manufacturing experienced a slight decline from September’s two-year high of 53.7 to 52.9. S&P Global attributed this decrease to rising raw material prices, which often discouraged firms from purchasing inputs. Despite this, October’s index reached the second-highest level since January last year, marking the fourteenth consecutive month it has stayed above the 50-point threshold, indicating ongoing growth. Baluch noted that the Philippine manufacturing sector demonstrated stable growth, with strong new orders enabling producers to increase output. She added, “The expansion in new orders was again robust, allowing goods producers to raise their output again.” “Firms remain optimistic with more than half of survey respondents anticipating expansion in the year ahead,” Baluch said. 📷 Contributed photo

2 months ago

Consumer group says govt’s fear of losing investors due to wealth tax is misplaced

MANILA, Philippines -- The consumer group SUKI or Samahan at Ugnayan ng mga Konsyumer Para sa Ikauunlad ng Bayan (SUKI) responded to the country’s economic managers' fear that a wealth tax will drive away investors. “Ang wealth tax ay usually direct tax sa mga pinakamayayamang citizen, kaya ibig ba nilang sabihin mangingibang-bansa ang mga local na giant oligarchs? Either way, hindi dapat ikatakot ng gobyerno kung maayos ang sariling stream of revenues ng bansa from equitable and just sources such as progressive tax, strong agriculture and local industries, robust jobs, and households with good purchasing power.” This response follows Finance Secretary Ralph Recto's public opposition to recent wealth tax proposals put forward by certain militant groups and international and local NGOs. Recto stated that a new tax policy targeting the wealthy is no longer necessary, asserting that there are already enough taxes. He insinuated that the government cannot show hostility toward the wealthy, as they provide major capital for most economic activities in the country. “Why should we penalize those who are working hard?” Recto asked. Recto’s stance seems to echo that of his predecessor, former Finance Secretary Carlos Dominguez, who previously told the media that taxing the wealthy could drive capital out of the country. In 2022, the Makabayan bloc proposed House Bill No. 258 to impose a 1-3% tax on super-rich individuals with a net value of taxable assets exceeding 1 billion. The measure was expected to generate P236.7 billion yearly from the top 50 richest Filipinos alone. However, this proposal was rejected by the government. Economic managers worldwide are clamoring to tax the wealthy during these times of scarcity to address global inequality. In the Philippines, local and international NGOs share the same sentiment, arguing that the time to impose a wealth tax is now, noting that at least nine Filipino billionaires possess more wealth than half of the entire population. Proponents argue that the imposition of a wealth tax could help reduce the country’s ballooning budget deficit.

2 months ago

Mitsubishi acquires 50% stake in Ayala subsidiary for P18.4 billion, boosting digital finance in the Philippines

MANILA, Philippines – Mitsubishi Corporation has announced an agreement to acquire a 50% stake in AC Ventures Holdings Corp., a subsidiary of Ayala Corporation, for 18.4 billion pesos (approximately US$318 million). AC Ventures currently holds a 13% stake in Globe Fintech Innovations Inc. (Mynt), the operator of the leading mobile wallet service, GCash. In a statement, Mitsubishi expressed enthusiasm for the partnership, noting that the agreement is subject to the execution of definitive transaction documents and customary closing conditions. The collaboration aims to enhance Mynt's corporate value while exploring new business opportunities in the Philippines. With the Philippines poised for significant economic growth—driven by a rising population and increasing GDP among ASEAN countries—there remains a vast market for digital financial services despite the country’s relatively low banking penetration rate. The widespread use of mobile phones and internet access offers a substantial opportunity, as approximately 80% of Filipinos have used GCash, which has become integral to daily transactions. "We believe Mitsubishi can add meaningful value to Mynt, which will allow Mynt to deliver significant value to its over 94 million registered users," said Ayala President and CEO Cezar Consing. Mynt, a joint venture between Alibaba affiliate Ant Group, Ayala, and Globe Telecom, operates two fintech companies: G-Xchange, which runs GCash, and Fuse Lending, a tech-based micro-lender. In addition to digital payments, Mynt provides a variety of financial services, including loans, savings, insurance, and investment products. The company also boasts a vast network of over 6 million merchants. Mitsubishi and Ayala also plan to sign a memorandum of understanding to explore joint ventures across several sectors, including property, energy, water, and automotive industries. This initiative continues their long-standing partnership in the Philippines, which began in 1974, and highlights their shared commitment to contributing to the country’s economic development. 📷 GCash FB

2 months ago

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Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. 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 parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential CookiesType: Session Cookies

    Administered by: Us

    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

  • Cookies Policy / Notice Acceptance CookiesType: Persistent Cookies

    Administered by: Us

    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality CookiesType: Persistent Cookies

    Administered by: Us

    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

  • Tracking and Performance CookiesType: Persistent Cookies

    Administered by: Third-Parties

    Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.
  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
  • To manage Your requests: To attend and manage Your requests to Us.
  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company 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.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but 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.

Detailed Information on the Processing of Your Personal Data

The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

Analytics

We may use third-party Service providers to monitor and analyze the use of our Service.

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Email Marketing

We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send or by contacting Us.

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Payments

We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

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GDPR Privacy

Legal Basis for Processing Personal Data under GDPR

We may process Personal Data under the following conditions:

  • Consent: You have given Your consent for processing Personal Data for one or more specific purposes.
  • Performance of a contract: Provision of Personal Data is necessary for the performance of an agreement with You and/or for any pre-contractual obligations thereof.
  • Legal obligations: Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.
  • Vital interests: Processing Personal Data is necessary in order to protect Your vital interests or of another natural person.
  • Public interests: Processing Personal Data is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Company.
  • Legitimate interests: Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.

In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Your Rights under the GDPR

The Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.

You have the right under this Privacy Policy, and by law if You are within the EU, to:

  • Request access to Your Personal Data. The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.
  • Request correction of the Personal Data that We hold about You. You have the right to have any incomplete or inaccurate information We hold about You corrected.
  • Object to processing of Your Personal Data. This right exists where We are relying on a legitimate interest as the legal basis for Our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.
  • Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.
  • Request the transfer of Your Personal Data. We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.
  • Withdraw Your consent. You have the right to withdraw Your consent on using your Personal Data. If You withdraw Your consent, We may not be able to provide You with access to certain specific functionalities of the Service.

Exercising of Your GDPR Data Protection Rights

You may exercise Your rights of access, rectification, cancellation and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.

You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, if You are in the European Economic Area (EEA), please contact Your local data protection authority in the EEA.

CCPA Privacy

This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

Categories of Personal Information Collected

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.

Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.

  • Category A: Identifiers.Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.

    Collected: Yes.

  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

    Collected: Yes.

  • Category C: Protected classification characteristics under California or federal law.Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

    Collected: No.

  • Category D: Commercial information.Examples: Records and history of products or services purchased or considered.

    Collected: Yes.

  • Category E: Biometric information.Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

    Collected: No.

  • Category F: Internet or other similar network activity.Examples: Interaction with our Service or advertisement.

    Collected: Yes.

  • Category G: Geolocation data.Examples: Approximate physical location.

    Collected: No.

  • Category H: Sensory data.Examples: Audio, electronic, visual, thermal, olfactory, or similar information.

    Collected: No.

  • Category I: Professional or employment-related information.Examples: Current or past job history or performance evaluations.

    Collected: No.

  • Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

    Collected: No.

  • Category K: Inferences drawn from other personal information.Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

    Collected: No.

Under CCPA, personal information does not include:

  • Publicly available information from government records
  • Deidentified or aggregated consumer information
  • Information excluded from the CCPA's scope, such as:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data
    • Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994

Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from You. For example, from the forms You complete on our Service, preferences You express or provide through our Service, or from Your purchases on our Service.
  • Indirectly from You. For example, from observing Your activity on our Service.
  • Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
  • From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, third-party vendors for payment processing, or other third-party vendors that We use to provide the Service to You.

Use of Personal Information for Business Purposes or Commercial Purposes

We may use or disclose personal information We collect for "business purposes" or "commercial purposes" (as defined under the CCPA), which may include the following examples:

  • To operate our Service and provide You with our Service.
  • To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.
  • To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry. If You provide Your personal information to purchase a product or service, We will use that information to process Your payment and facilitate delivery.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to You when collecting Your personal information or as otherwise set forth in the CCPA.
  • For internal administrative and auditing purposes.
  • To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the "Use of Your Personal Data" section.

If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.

Disclosure of Personal Information for Business Purposes or Commercial Purposes

We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:

  • Category A: Identifiers
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
  • Category D: Commercial information
  • Category F: Internet or other similar network activity

Please note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.

When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

Sale of Personal Information

As defined in the CCPA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.

Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return.

We may sell and may have sold in the last twelve (12) months the following categories of personal information:

  • Category A: Identifiers
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
  • Category D: Commercial information
  • Category F: Internet or other similar network activity

Share of Personal Information

We may share Your personal information identified in the above categories with the following categories of third parties:

  • Service Providers
  • Payment processors
  • Our affiliates
  • Our business partners
  • Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You

Sale of Personal Information of Minors Under 16 Years of Age

We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children's Internet usage and instruct their children to never provide information on other websites without their permission.

We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the "right to opt-in") from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the sale of personal information may opt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us.

If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information.

Your Rights under the CCPA

The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:

  • The right to notice. You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
  • The right to request. Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
    • The categories of personal information We collected about You
    • The categories of sources for the personal information We collected about You
    • Our business or commercial purpose for collecting or selling that personal information
    • The categories of third parties with whom We share that personal information
    • The specific pieces of personal information We collected about You
    • If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
      • The categories of personal information categories sold
      • The categories of personal information categories disclosed
  • The right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.
  • The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
    • Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
    • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
    • Debug products to identify and repair errors that impair existing intended functionality.
    • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
    • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
    • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.
    • Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
    • Comply with a legal obligation.
    • Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
  • The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:
    • Denying goods or services to You
    • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
    • Providing a different level or quality of goods or services to You
    • Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services

Exercising Your CCPA Data Protection Rights

In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:

  • By visiting this page on our website: [___WEBSITE_CONTACT_PAGE_URL___]
  • By sending us an email: [___WEBSITE_CONTACT_EMAIL___]

Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.

Your request to Us must:

  • Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
  • Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it

We cannot respond to Your request or provide You with the required information if we cannot:

  • Verify Your identity or authority to make the request
  • And confirm that the personal information relates to You

We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.

For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.

Do Not Sell My Personal Information

You have the right to opt-out of the sale of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will stop selling Your personal information. To exercise Your right to opt-out, please contact Us.

The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below.

Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use.

Website

You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service:

The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.

Mobile Devices

Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:

  • "Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices
  • "Limit Ad Tracking" on iOS devices

You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device.

"Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)

Our Service does not respond to Do Not Track signals.

However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Your California Privacy Rights (California's Shine the Light law)

Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.

If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.

California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)

California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.

To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

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 Service, prior to the change becoming effective and update the "Last updated" 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.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

  • By visiting this page on our website: [___WEBSITE_CONTACT_PAGE_URL___]
  • By sending us an email: [___WEBSITE_CONTACT_EMAIL___]

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