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Friday, 13 February 2026

Uncategorized

Bagong JRFTODA terminal sa West Bank, Pasig, pormal nang pinasinayaan

PASIG CITY — Pormal nang binuksan ng Lokal na Pamahalaan ng Pasig ang bagong terminal ng Joyce Realty Francisco Tricycle Operators and Drivers Association sa West Bank, isang proyektong inilunsad upang mapabuti ang kaligtasan at kaginhawaan ng mga tricycle driver at commuters sa lungsod. Ayon sa Pasig LGU, ginawa ang bagong terminal para maiwasan ang mahabang pila sa kalsada, maging mas maayos ang daloy ng trapiko at mas maluwag ang pilahan. Mahalaga rin ang proyekto dahil may bahagi ng Floodway sa ilalim ng terminal na bahagyang gumuho noong Bagyong Karina, kaya’t nakipag-usap muna ang pamahalaan bago simulan ang konstruksyon upang matiyak ang kaligtasan at tibay ng terminal. Ang terminal ay may pinalawak na carriageway para sa mga tricycle at ginamitan ng concrete B1 pipes sa ilalim ng bawat ikalawang span para sa tibay at upang mabawasan ang vibration. Nagtayo rin ng 42-metrong waiting shed na may urinal at drainage system, at kumpleto sa lighting at electrical system, kabilang ang circuit breaker at 13 waterproof lighting fixtures. Para sa seguridad, mayroong 105-metrong cyclone wire interlink fence sa paligid ng terminal. Bagamat hindi ito kabilang sa pinakamalaking proyekto ng lungsod, binigyang-diin ng LGU na mahalaga ang bagong terminal para sa kaligtasan at kaginhawaan ng parehong mga driver at commuters. Inaasahan na ang bagong pasilidad ay magiging mas ligtas, maayos, at komportableng lugar para sa araw-araw na transportasyon sa West Bank. 📷 Vico Sotto FB 3 hours ago

Nation

Villanueva pushes bill to shield Filipinos from abusive debt collection

1 day ago

Provinces

PHACTO OIC, itinalaga ng pamahalaang panlalawigan ng Bulacan

1 day ago

NCR

18 ilegal na timbangan, nasamsam sa operation timbangan sa mga pamilihan ng Valenzuela

1 day ago

Nation

PCG official criticizes Marcoleta over West Philippine Sea remarks

2 days ago

Nation

“Many want her to run” — Sen. Bam Aquino on calls for Leni Robredo’s possible 2028 bid

2 days ago

Entertainment

“Ayoko na sana i-public!”

2 days ago

Provinces

Free Civil Registry Service, umarangkada sa San Ildefonso

2 days ago

NATION

House Justice Committee dismisses impeachment complaints against Pres. Marcos

MANILA -- The House of Representatives’ Committee on Justice has formally dismissed two impeachment complaints against President Ferdinand “Bongbong” Marcos Jr. On Monday, the committee presented its report during a hearing, which led to a vote. Thirty-nine members approved the dismissal, while four opposed it. The first complaint, filed by lawyer Andre de Jesus on January 19, accused the president of corruption, drug use, and other alleged misconduct. Lawmakers criticized the submission for relying heavily on speculation, media reports, and hearsay. Only Rep. Jernie Jett Nisay of the Pusong Pinoy party-list voted that the complaint was sufficient in substance. The second complaint, lodged by the Makabayan bloc on January 22, cited three grounds: the alleged institutionalization of corruption through the “BBM Parametric Formula,” abuse of discretionary powers in the allocation of unprogrammed appropriations, and alleged direct involvement in budgetary insertions and kickback schemes. The bloc also said that the BBM Parametric Formula “provided the justification for Presidential and Congressional infrastructure project allocations in the national budget” and was supposedly the “basis for kickbacks or commitments.” While the complaint was initially deemed sufficient in form, 39 members of the committee later declared it insufficient in substance, with seven voting for sufficiency. Caloocan Rep. Edgar Erice said claims that Marcos used illegal drugs were “hearsay,” while allegations that he created the Independent Commission for Infrastructure (ICI) to protect corrupt allies did not qualify as impeachable offenses. Manila Rep. Bienvenido Abante Jr. added that although the ICI lacked teeth, its creation alone wasn’t grounds for removal. Meanwhile, San Juan Rep. Ysabel Maria Zamora questioned whether policy measures such as the BBM Parametric Formula, even if imperfect, could be considered impeachable acts. 📷 Presidential Communications Office

4 days ago

Gatchalian warns of love scams ahead of Valentine’s Day

MANILA -- Sen. Win Gatchalian warned the public against “love scams” as Valentine’s Day approaches.   These scams use artificial intelligence (AI) and, in certain cases, can even lead to the sexual exploitation of victims.   The senator raised the alarm following a warning from the Cybercrime Investigation and Coordinating Center (CICC) about the growing risk of AI-driven love scams targeting people seeking romantic relationships.   CICC data showed that in 2025, it received 123 formal complaints, with cases typically peaking from January to February, as well as in June and October.   “Despite the national ban on POGOs, criminal syndicates continue to exploit loopholes through various schemes, including love scams. Nakakalungkot na hindi na lang basta naloloko ang ilan nating kababayan ng perang kanilang pinaghirapan, ang iba ay nagiging biktima pa ng prostitusyon,” Gatchalian said.   The CICC has identified six scammer profiles: the “sad boy/sad girl,” who shares dramatic problems before requesting money; the “seducer,” who obtains compromising photos; the “investor,” who proposes joint cryptocurrency schemes; the “serviceman,” who poses as military personnel overseas; the “escort,” who demands upfront payment; and the “slow burner,” who cultivates long-distance relationships before borrowing money.   📷 Sherwin Gatchalian FB

1 week ago

Albuera, Leyte Mayor surrendered to authorities for a murder case

ALBUERA, Leyte — Albuera Mayor Rolan “Kerwin” Espinosa has surrendered to authorities after a court issued a warrant for his arrest in connection with a murder case. The warrant was issued on Wednesday, February 4, by Judge Merlo Pasco Bagano of the Regional Trial Court Branch 14.  The court denied bail for Espinosa and his co-accused Ronald Danieles Bulak, Eddie Mar Demingoy Mitra, and Marcelo Adorco. Before authorities could arrest him, Espinosa voluntarily surrendered to the National Bureau of Investigation (NBI) on Wednesday, February 5, 2026. A close aide said the mayor was not fully aware of the specific charges that led to the issuance of the warrant. 📷 CIDG

1 week ago

Senate coup rumors spark talk of term-sharing

MANILA -- A possible term-sharing deal between Senate President Vicente “Tito” Sotto III and Sen. Loren Legarda surfaced Wednesday amid rumors of a brewing coup in the Upper Chamber. The arrangement reportedly came up during a casual lounge chat with nine members of the majority bloc, including Sotto and Legarda. A photo posted by Sen. Francis “Kiko” Pangilinan showed Legarda seated next to Sotto, flanked by Senate President Pro Tempore Panfilo Lacson, Majority Leader Juan Miguel Zubiri, and Senators JV Ejercito, Sherwin Gatchalian, Risa Hontiveros, and Bam Aquino. The photo was captioned with the hashtag #powersharing. “May usapan ng term-sharing,” Ejercito told reporters, noting that the plan would be enforced “towards the end of the term.” He downplayed the discussion, calling it “lounge talk” and emphasizing it was informal. Sotto, meanwhile, claimed the majority bloc successfully thwarted a coup attempt against his leadership. Asked if he was responsible for the foiled plot, he deflected: “It’s not me, it’s the majority.” During Wednesday’s plenary session, which was suspended briefly from 3:51 p.m. to 5:24 p.m., Legarda took the rostrum and was addressed as “Madame President” by Majority Leader Zubiri before adjournment. Sotto shrugged off the gesture, saying: “Wala, nakatuwaan lang namin.” Legarda described her role as simply acting presiding officer, but Zubiri teased: “She may be the future president of the Senate.” On potential term- or power-sharing, he remained coy, saying it could happen “in the near future.” Sotto recently dismissed coup chatter, claiming he hadn’t heard complaints about his leadership. He did confirm, however, that undisclosed minority bloc members had offered the Senate presidency to Legarda—an offer she reportedly declined. 📷 Kiko Pangilinan FB

1 week ago

PROVINCES

Teenage Pregnancy Prevention, sentro ng diskusyon ng mga mag-aaral sa Malolos

MALOLOS CITY — Naging sentro ng isang Focus Group Discussion (FGD) ang usapin ng Teenage Pregnancy Prevention na nilahukan ng mga mag-aaral mula sa labing-anim (16) na paaralan sa Lungsod ng Malolos nitong Pebrero 10. Layunin ng FGD na palalimin ang kaalaman at kamalayan ng kabataan hinggil sa mga isyu ng maagang pagbubuntis, gayundin ang pagbibigay-halaga sa responsableng pagdedesisyon at pagtataguyod ng isang ligtas at may malasakit na lipunan. Ang naturang talakayan ay bahagi ng paghahanda para sa isasagawang Film Competition na pangungunahan ng Population Welfare Division katuwang ang Information Division ng Pamahalaang Lungsod ng Malolos. Sa pamamagitan ng malikhaing medium, inaasahan na mas epektibong maipapahayag ng mga kabataan ang mensahe tungkol sa teenage pregnancy. Taunang isinasagawa ng dalawang dibisyon ang ganitong aktibidad bilang bahagi ng malawakang kampanya sa impormasyon at edukasyon, na naglalayong ipaalala ang mga epekto ng maagang pagbubuntis at hikayatin ang kabataan na maging mas maingat, responsable, at may sapat na kaalaman sa mga isyung may kinalaman sa kanilang kalusugan at kinabukasan. 📷 Malolos City Information Office FB 2 days ago

3-buwang-gulang na sanggol na ibinebenta online, nasagip sa Baliwag; ina at mga kamag-anak, arestado

BALIWAG, Bulacan — Nasagip ng mga awtoridad ang isang tatlong buwang gulang na sanggol, na itinago sa pangalang “Baby Nene,” matapos tangkaing ibenta online sa halagang ₱130,000 sa isang entrapment operation na isinagawa noong Pebrero 4. Arestado ang ina, tiyahin, at lola ng sanggol, pawang residente ng Barangay Poblacion, at nahaharap sa kasong paglabag sa Expanded Anti-Trafficking in Persons Act of 2012. Agad namang inilagay sa pansamantala at protektadong kustodiya ng Department of Social Welfare and Development (DSWD) ang sanggol. Samantala, sinabi ng Pamahalaang Lungsod ng Baliwag na paiigtingin ng City Social Welfare & Development Office ang mga information drive upang maiwasan ang mga kahalintulad na insidente. Hinihikayat din ang mga magulang na dumaan sa legal na proseso ng pagpapaampon kung hindi kayang alagaan ang kanilang anak. 📷 Baliwag City PIO

3 days ago

Libreng Mobile Gamutan umarangkada sa San Ildefonso, Bulacan

San Ildefonso, Bulacan — Umarangkada na ang libreng Mobile Gamutan na handog ng lokal na pamahalaan ng San Ildefonso bilang bahagi ng patuloy na pagsisikap nitong ilapit ang serbisyong medikal sa mga mamamayan sa iba’t ibang barangay. Ilan sa mga serbisyong medikal na ito ay libreng check-up, libreng gamot, at laboratory examinations. Matagumpay na isinagawa ang mobile gamutan sa pangunguna ng Office of the Municipal Health Officer, sa pamumuno ni Dr. Reginell Nunez, katuwang ang Office of the Municipal Nutrition Action Officer na pinamumunuan ni Eunice Vanguardia. Ayon sa pamahalaang lokal, magpapatuloy ang programa sa iba’t ibang barangay upang mas maraming residente ang makinabang sa libreng serbisyong pangkalusugan. 📷 Mayor Gazo Galvez FB

3 days ago

Gun matches shells recovered in killing of Bulacan policeman

CAMP ALEJO SANTOS, Bulacan — The gun recovered from the suspected gunman in the killing of a policeman in the City of Malolos matches the shells recovered from the crime scene. Col. Angel Garcillano, Bulacan police director, told ARKIPELAGO NEWS that based on the findings of the cross-matching conducted by the Bulacan Provincial Crime Laboratory Office on the gun recovered from Monjeanne Julian Salamat and the fired cartridge recovered from the crime scene, the spent shell was fired from the said gun. The cross-match report identified the gun as a 9mm Taurus Armas G3 pistol with serial number ACE918431. The findings revealed that microscopic examination and comparison of the item recovered from the fired cartridge showed the same individual characteristics with the test cartridge cases fired from the said firearm. It can be recalled that Salamat was tagged as the gunman in the murder of Staff Sergeant Renato Casauay Jr. in Barangay Mojon, City of Malolos, on January 24. Salamat was arrested last Wednesday (February 4) by members of the Bulacan and Davao police operatives in a follow-up operation at a transportation hub in Barangay Magugpo West, Tagum City, Davao del Norte. 📷 Jim Mancuso

4 days ago

Oportunidad para sa kabataan, prayoridad sa Guiguinto, Bulacan

GUIGUINTO, Bulacan — Patuloy na binibigyang-prayoridad ng Pamahalaang Bayan ng Guiguinto ang kapakanan at kinabukasan ng kabataan sa pamamagitan ng pagpapatupad ng Special Program for Employment of Students (SPES) 2026.  Sa ilalim ng SPES, nagkakaroon ng pagkakataon ang mga mag-aaral na makapagtrabaho habang ipinagpapatuloy ang kanilang pag-aaral.  Layunin ng programa na tumulong sa gastusin sa edukasyon ng mga kabataan, mahubog ang kanilang disiplina sa trabaho, at maihanda sila sa mas responsable at produktibong kinabukasan.  Ayon sa pamahalaang lokal, mahalaga ang SPES hindi lamang bilang tulong-pinansyal kundi bilang hakbang upang mapaaga ang paghubog ng kasanayan, pagpapahalaga sa trabaho, at malasakit sa komunidad ng mga kabataan.  Pinagtitibay ng programang ito ang paninindigan ng Pamahalaang Bayan ng Guiguinto na manatiling katuwang ng kabataan sa pag-abot ng kanilang mga pangarap at sa pagbuo ng isang mas maunlad na hinaharap. 📷 Mayor Ambrosio C. Cruz FB

4 days ago

NCR

Mas pinaigting na proteksyon at pangangalaga para sa migrant workers na residente ng Caloocan, isinulong

CALOOCAN CITY — Mas pinaigting ang proteksyon at pangangalaga para sa mga migrant workers at residente ng Caloocan matapos lagdaan ang isang Memorandum of Agreement sa pagitan ng Department of Migrant Workers (DMW), Department of Labor and Employment (DOLE), Overseas Workers Welfare Administration (OWWA), Technical Education and Skills Development Authority (TESDA), Caloocan City Public Employment Service Department (PESD), at ng Pamahalaang Lungsod ng Caloocan. Layunin ng kasunduan na pagtibayin ang mga programa at serbisyong magbibigay-proteksyon at magtataguyod sa kapakanan ng mga Overseas Filipino Workers (OFWs) mula sa Caloocan, gayundin ng kanilang mga pamilya. Nakapaloob sa MoA ang pagbuo at pagpapalakas ng mga inisyatiba para sa tulong-panghanapbuhay, skills training, at iba pang suporta na tutugon sa pangangailangan ng mga OFW—mula pre-departure hanggang sa kanilang pagbabalik sa bansa. Bukod sa seguridad at proteksyon, binibigyang-diin din ng kasunduan ang paglikha ng mas maraming oportunidad sa trabaho at kabuhayan para sa mga Caloocan resident, upang matiyak na may naghihintay na disenteng hanapbuhay para sa mga OFW sa kanilang reintegration sa lokal na komunidad. 📷 Along Malapitan FB 2 days ago

Libreng serbisyong pangkalusugan, pinangunahan ng CCMC sa Caloocan

Caloocan City — Nagsimula na ang paghahatid ng iba’t ibang libreng serbisyong pangkalusugan ng pamahalaang lungsod ng Caloocan sa pangunguna ng Caloocan City Medical Center (CCMC) bilang bahagi ng pagdiriwang ng 64th Cityhood Anniversary ng lungsod, kahapon, Pebrero 9, 2026. Kabilang sa mga libreng serbisyo ay free tooth extraction, free x-ray, at free consultation and medicines. Ang pagdiriwang ng Cityhood Anniversary ay tatagal ng isang buwan at layong maghatid ng mga programang kapaki-pakinabang para sa mga residente ng Caloocan. Nagsimula ang selebrasyon noong Pebrero 4 at magtatapos sa Pebrero 27, na may nakapaloob na iba’t ibang aktibidad kabilang ang mga serbisyong pangkalusugan, pangkabuhayan, at iba pang programang panlipunan. Ayon sa pamahalaang lungsod, bahagi ito ng patuloy na pagsisikap na ilapit sa mamamayan ang serbisyong medikal at mapanatili ang kalusugan ng komunidad. 📷 Along Malapitan FB

3 days ago

Malabueños, maaaring magpa-chest X-ray at PPD test nang libre

MALABON — Isinagawa ngayong araw ang libreng chest X-ray para sa mga Malabueño na edad 15 pataas, kasabay ng libreng Tuberculin Skin Test (PPD) bilang bahagi ng programa laban sa Tuberculosis (TB) ng lokal na pamahalaan.  Ayon sa mga opisyal, ang PPD test ay isang simpleng pagsusuri kung saan ini-inject ang kaunting gamot sa balat upang matukoy kung ang isang tao ay may exposure o posibleng impeksyon ng TB, kahit wala pang nararamdamang sintomas.  Mahalaga ang pagsusuring ito para sa mga madalas makihalubilo, may mahinang resistensya, o nais tiyakin ang kaligtasan ng kanilang kalusugan.  Ayon sa pamahalaang lokal, ang maagang pagsusuri at kaalaman sa kalusugan ay mahalaga sa pagpapanatili ng isang malusog at ligtas na komunidad. Libre rin ang lahat ng serbisyo.  📷 Malabon City Government FB

4 days ago

Valenzuela City walks toward a smarter, digital future 

VALENZUELA CITY — Valenzuela City took a significant step toward becoming a smarter and more digitally connected city as Mayor Wes Gatchalian represented the local government at the Philippine Telecom Summit 2026 held on February 5, 2026.  The city’s participation highlighted its growing partnership with the Department of Information and Communications Technology (DICT), led by Secretary Henry Aguda, underscoring Valenzuela’s commitment to bringing national-level digital innovations directly to the local community.  Through this collaboration, the city aims to strengthen digital infrastructure, improve connectivity across all barangays, and deliver smarter, more efficient digital services for every Valenzuelano.  The initiative also seeks to open wider opportunities for students and workers by equipping them with the tools needed in an increasingly digital economy.  Anchored on the concept of “Digital Bayanihan,” the partnership ensures that Valenzuela City remains future-ready—empowering its citizens to thrive, adapt, and succeed in the modern age. 📷 Valenzuela City FB

4 days ago

Joint clearing operation isinagawa sa Malabon laban sa ilegal na paradahan

MALABON CITY — Isinagawa kahapon, Pebrero 6, ang isang joint clearing operation sa Malabon sa pangunguna ng Metropolitan Manila Development Authority (MMDA), katuwang ang iba’t ibang ahensya ng pamahalaan, upang alisin ang mga ilegal na nakaparadang sasakyan na nagdudulot ng pagsisikip ng trapiko at panganib sa publiko. Pinangunahan ang operasyon ni Gabriel Go, Head ng MMDA Special Operations Group–Strike Force; kasama si Ruby Bron, Head ng MMDA Northern Traffic Enforcer District (NTED); ang Land Transportation Office (LTO); at ang Malabon Public Safety and Traffic Management Office (PSTMO) sa pamumuno ni PCol. Reynaldo Medina Jr. (ret.). Isinagawa ang clearing operation sa Honradez, Barangay Tugatog, gayundin sa mga pangunahing kalsada ng Gov. Pascual Avenue, Concepcion, at Baritan.Sa kabuuan, 42 indibidwal ang nabigyan ng Official Violation Receipt (OVR), habang 11 sasakyan ang na-tow dahil sa paglabag sa mga patakaran sa trapiko. Patuloy ang koordinasyon ng lokal na pamahalaan at mga katuwang na ahensya upang mapanatili ang kaayusan, maayos na daloy ng trapiko, at kaligtasan ng mga motorista at pedestrian sa lungsod ng Malabon. 📷 Malabon City Government FB

6 days ago

Lifestyle and Entertainment

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11 months ago

BUSINESS

Fuel prices rise again as diesel marks seventh straight weekly hike

MANILA -- Fuel prices will increase again from Tuesday, extending a run of weekly increases that has added pressure on households and transport operators. Oil companies including Pilipinas Shell, Seaoil, Cleanfuel, Caltex, and Petrogazz said diesel prices will rise by ₱1.00 per liter, while gasoline and kerosene will increase by ₱0.60 per liter. The adjustments will take effect at 6:00 a.m. on Tuesday. The latest increase marks the seventh consecutive week of diesel price hikes. Over the past two weeks alone, diesel prices have risen by a total of ₱3.00 per liter. Seaoil said in an advisory that diesel would see the full ₱1.00 increase, while gasoline and kerosene prices would also move higher, recording their fifth and seventh straight weekly increases, respectively. Industry officials have attributed the latest round of price adjustments to global supply concerns. Jetti Petroleum president Leo Bellas said diesel prices were being supported by weather-related supply and demand disruptions and continued geopolitical tensions in the Middle East, which have affected global oil supply at a time when Europe is reducing its reliance on Russian-origin oil supplies. The Department of Energy said it is closely monitoring developments in the domestic fuel market to ensure that price adjustments remain fair and reflective of global movements. 📷 Kenneth Surillo, Pexels

3 days ago

Meralco cuts power rates in January, households to save ₱33

MANILA — Electricity rates for customers of Manila Electric Company (Meralco), the Philippines’ largest power distributor, fell in January, offering households some relief at the start of the new year. In a briefing on Monday, Meralco announced a reduction of ₱0.1637 per kilowatt hour (kWh), bringing the overall rate for a typical household to ₱12.9508 per kWh, down from ₱13.1145 in December. The adjustment means a household consuming 200 kWh a month will see its electricity bill drop by about ₱33, according to the company. “While there were upward pressures on certain cost components this January, overall electricity rates declined — for the second straight month,” said Meralco vice president and head of Corporate Communications Joe Zaldarriaga. “We hope that this development will bring relief to all our customers as we start another year.” Meralco explained that the decline was driven by lower transmission and generation charges. Transmission charges fell to ₱1.04 per kWh, largely due to reduced ancillary service costs. Generation charges declined to ₱7.75 per kWh, reflecting lower prices from the Wholesale Electricity Spot Market (WESM) and power supply agreements. Spot market charges dropped by ₱1.19 per kWh as power supply in the Luzon grid increased. The company noted that average peak demand fell by 367 megawatts as cooler weather reduced electricity consumption. Charges from power supply agreements also decreased by ₱0.05 per kWh. The January adjustment marks the second consecutive month of lower electricity rates, following a reduction implemented in December. 📷 Meralco

1 month ago

December inflation rises slightly on higher food prices

MANILA -- Inflation rose slightly in December, mainly due to higher food prices, according to official data released on Tuesday, January 6. Consumer prices increased by 1.8% year-on-year in December, up from 1.5% in November, but remained within the Bangko Sentral ng Pilipinas’ (BSP) forecast range of 1.2% to 2% for the month. For the full year 2025, inflation averaged 1.7%, significantly lower than 3.2% in 2024 and below the central bank’s target range of 2% to 4%, indicating that price increases remained generally subdued throughout the year. The December uptick was largely driven by a 1.4% rise in food and beverage prices. Although rice prices dropped sharply by 12.3%, increases in the cost of fish and seafood (9.0%), vegetables and tubers (11.6%), and meat (3.0%) pushed overall food prices higher. Clothing and footwear prices also edged up, rising from 1.8% in November to 2.2% in December. Conversely, price increases eased in several categories: Alcohol and tobacco: 3.6% (down from 3.9%) Housing, water, electricity, and gas: 1.7% (down from 2.1%) Transport: 0.4% (down from 1.9%) Restaurants and hotels: 2.5% (down from 2.6%) Personal care and other goods: 2.3% (down from 2.4%) National Statistician Dennis Mapa noted that natural disasters and holiday demand contributed to the price increase. In a statement, Department of Economy, Planning, and Development (DEPDev) Secretary Arsenio Balisacan said government measures had helped keep inflation within target despite both domestic and global challenges. “Despite global headwinds and domestic challenges, the Philippine economy has remained resilient against inflationary pressures due to the government’s timely and targeted interventions,” Balisacan said. He added that authorities would continue coordinating fiscal and monetary policies and advancing structural reforms to support inclusive growth in 2026 and beyond. 📷 Swarup Sarkar, Pexels

1 month ago

Corruption threatens PH economy, warns MVP

MANILA — Business tycoon Manuel “Manny” Pangilinan is sounding the alarm on government corruption — and he’s not mincing words. The Metro Pacific Investments Corp. chairman and president told the Financial Executives Institute of the Philippines (FINEX) that graft could stall economic growth, scare off investors, and even put the country’s credit rating at risk. “Investor confidence could get affected. I think they’re slowly getting affected by this particular event. Perhaps even credit ratings, too, could be at risk if the institution’s responses are seen to be inadequate,” Pangilinan said. He cited the alleged siphoning of ₱1 trillion in public funds from flood control projects as evidence of how deep the problem runs. “The people themselves are on a wait-and-see attitude. All I’m saying is that we have to be careful,” he added. Pangilinan warned that government spending could be cut, slowing growth further. “It could (slow down growth) because the stock market is down. How can you raise money?” He didn’t hold back on the human cost. “When cash of the magnitude of budget insertions – they say as much as ₱1 trillion – are taken out of the pockets of the many who are poor and diverted to the wallets of the few, the economy will indeed suffer, as the stock exchange has indeed suffered these past three weeks,” he said.“The market may have declined anywhere between 1.5 and 1.8 percent in the overall value of the stock exchange.” Pangilinan also warned that credit ratings are on the line. The Philippines is currently rated BBB+ by Standard & Poor’s with a positive outlook — just one step away from an “A” rating. But complacency, he said, could undo progress. “It isn’t just about catching crooks,” he said. “It’s filling the gaps with financial experts with the competence and integrity. Corruption survives not because bad people are smart, but because good people are absent.” “Citizens and concerned sectors should push back vs. graft” Pangilinan urged citizens and the private sector to defend the media, academe, courts, and the Church, calling them vital in resisting coercion and corruption. “So let me place the ethics of this flood control issue within the broader national context. The public is now increasingly aware to the fact that the presence of ethical attributes – or their absence – impacts businesses and the economy seriously,” he said. “We should be engaged even as citizens, or even as private citizens, in the first instance, as business persons managing our affairs well and doing things right,” the tycoon stressed. 📷 Presidential Communications Office

3 months ago

Ayala’s ACMobility to exit Honda dealerships by 2026; Shifts focus to EVs and sustainable mobility

MANILA -- The Ayala Group’s mobility unit is set to relinquish its Honda dealership operations after more than three decades, citing a strategic focus on emerging growth areas, including electric vehicles. Ayala Corporation disclosed on Thursday that ACMobility, through its subsidiary Iconic Dealership Inc. (IDI), will hand over its Honda dealerships to “new dealer principals” by January 1, 2026. The transition includes all Honda outlets currently operated by ACMobility, which will continue to run Honda Cars Makati, Pasig, Shaw, Bacoor, Cebu, Mandaue, Iloilo, Negros, and Cagayan de Oro until the end of this year. Jaime Alfonso Zobel de Ayala, CEO of ACMobility, said the company was “grateful, and indeed proud, to have been part of Honda’s journey in the Philippines for the past three and a half decades.” “This transition reflects our ongoing effort to optimise our portfolio and focus on new growth areas. Among these are initiatives in advancing sustainable mobility and electrification, where we continue to build solutions that benefit communities, businesses, and the environment,” Ayala added. Since 1990, ACMobility has sold more than 220,000 Honda vehicles through its dealerships, growing to become the country’s largest Honda dealer group. The move comes as both ACMobility and Honda Cars Philippines Inc. (HCPI) pursue independent strategies for growth and innovation. This announcement follows a similar decision by ACMobility earlier this month to cease distribution of Volkswagen vehicles in the Philippines. Apart from Honda and Volkswagen, ACMobility’s portfolio includes BYD, Isuzu, and Kia. 📷 AC Mobility

4 months ago

Go Negosyo mentors over 1.5K QC students on youth entrepreneurship

MANILA – The Go Negosyo non-profit organization, in cooperation with the Department of Education (DepEd), conducted a youth entrepreneurship mentoring session for more than 1,500 senior high school students in Quezon City under the group’s Youthpreneur program. The mentorship event was held at San Francisco High School in Quezon City on February 21, 2025, co-led by DepEd Secretary Sonny Angara, other department officials, and the Quezon City Local Government Unit (LGU). More than 50 mentors, led by the Philippine Chamber of Commerce and Industry (PCCI) and successful entrepreneurs—including Violy Lapid, owner of R. Lapid’s Chicharon; Graciano “Butch” Salvador, owner of Car Magic Auto Painting and Street Smart Magic General Merchandise; Kim Lato, founder of Kim Store; Mika Leetong, owner of Brew & Co.; and content creator Reymond ‘Boss RDR’ Delos Reyes of RDR Business Solutions —oriented students on the fundamentals of entrepreneurship. Angara hailed the gathering as the “biggest Youthpreneur event” to date and expressed gratitude to Go Negosyo and other partners for spearheading the project. He also thanked the mentors for sharing their lessons, insights, and experiences in entrepreneurship. "What the mentors will share here today cannot be found in books because they are real-life lessons. Our young entrepreneurs are lucky to have a strong support system. DepEd and Go Negosyo are here to show you different dreams," Angara told the students at the event's opening. Concepcion also thanked key officials from DepEd, the Quezon City government, and the country’s largest business groups for supporting public school students. “Character formation is important, and a lot of it comes from parents, from mentors, from good friends,” Concepcion emphasized. The mentors encouraged students to pursue their entrepreneurial dreams at an early age. RFM Corporation President and Chief Executive Officer (CEO) Joey Concepcion, who also serves as Chairman of the Association of Southeast Asian Nations (ASEAN) Business Advisory Council, leads Go Negosyo, which aims to “alleviate poverty in the Philippines by promoting an entrepreneurial mindset and by leading programs that help grow small businesses, with the goal of one day transforming the Philippines into a nation of entrepreneurs.” As stated on the group’s website: “Youthpreneur… is designed for Filipino youth, specifically for senior high school students. It aims to nurture the next generation of Filipino entrepreneurs or offer entrepreneurship as an alternative to traditional employment.” “Youthpreneur is the newest program of Go Negosyo, launched on November 25, 2023, aimed at promoting an entrepreneurial mindset among Filipino youth. The program seeks to build skills through mentorship, increase financial literacy, raise agricultural awareness, cultivate entrepreneurial skills in agriculture, and facilitate industry connections for mentorship.” According to Go Negosyo, the Youthpreneur program has already reached more than 6,000 public school students across 22 schools nationwide, including several cities in the National Capital Region, Quezon Province, General Santos City, Cebu, Davao, La Union, Lucena, Laoag, Baguio, Bataan, and Occidental Mindoro. 📷 DepEd, Go Negosyo

11 months ago

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Privacy Policy

Privacy Policy

Our Privacy Policy was last updated on [January 1 2023].

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy was generated by TermsFeed Privacy Policy Template.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • "Account" means a unique account created for You to access our Service or parts of our Service.
  • "Business", for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
  • "Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to [___COMPANY INFORMATION___]For the purpose of the GDPR, the Company is the Data Controller.
  • "Country" refers to [___COMPANY_COUNTRY___].
  • "Consumer", for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
  • "Cookies" are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • "Data Controller", for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.
  • "Device" means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • "Do Not Track" (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
  • "Personal Data" is any information that relates to an identified or identifiable individual.For the purposes of GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.

    For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.

  • "Sale", for the purpose of the CCPA (California Consumer Privacy Act), means 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 to another business or a third party for monetary or other valuable consideration.
  • "Service" refers to the Website.
  • "Service Provider" means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
    For the purpose of the GDPR, Service Providers are considered Data Processors.
  • "Usage Data" refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • "Website" refers to [___WEBSITE NAME___], accessible from [___WEBSITE_URL___]
  • "You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.Under GDPR (General Data Protection Regulation), You can be referred to as the Data Subject or as the User as you are the individual using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Usage Data

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.

[___LIST___]

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.

[___LIST___]

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.

[___LIST___]

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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