Privacy Policy

PJ Lhuillier, Inc., the company behind Cebuana Lhuillier, is committed to respecting and protecting your data privacy rights as a data subject in accordance with RA 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations and other applicable laws of the Republic of the Philippines.

Why do we process your personal information (PI)?
We process PI for the following reasons:

      • Process your transaction(s) whenever you avail of our products and services;

      • Address your inquiries, concerns or complaints;

      • Comply with laws and regulations governing our products and services (i.e. AMLA, CIC, etc); and

      • Inform you about our new product/services offerings and promotions (“direct marketing”).

    We may also share your PI with:

        1. Our accredited third party personal information processors such as contractors, vendors, financial and legal consultants.
        2.  Our affiliate companies (for commercial purposes, including direct marketing or profiling)

      Such data sharing shall be done in a manner compliant with the Data Privacy Act of 2012. Your PI may also be processed electronically and/or manually.

      To process general inquiries or concerns about the products and services we offer:

          • Your Full Name

          • Your E-mail Address

          • Contact numbers

        To process your transactions covered by RA 9160, Anti-Money Laundering Law Act of 2001, as amended:

            • Name

            • Present address

            • Date and place of birth

            • Nature of work, name of employer or nature of self-employment/business

            • Contact details

            • Specimen signature

            • Source of funds

            • Permanent address

            • Nationality

            • Identification Cards

            • Name, present address, date and place of birth, nature of work and source of funds of beneficial owner or beneficiary, whenever applicable

            • When the customer or authorized representative is a foreign national, passport or Alien Certificate of Registration issued by the Bureau of Immigration

          As part of due diligence, we may collect information about religious affiliation in the event the date of birth cannot be provided (due to religious beliefs) as this is required information under the law.

          If reasonably necessary, we may also process your sensitive personal information such as credit card details.

          Security Measures
          We employ a combination of organizational, contractual, physical, procedural and technical security measures to secure your PI that we process. Only authorized personnel shall have access to your PI. We will retain your PI related to transactions for a minimum of ten (10) years to comply with applicable laws. On the other hand, PI collected from inquiries, complaints/concerns or during events will be retained for two (2) years.

          You have the right to request for a copy of your PI that we keep as well as request for the correction of any inaccurate data.
          You likewise have the right to suspend, withdraw or order the blocking, removal or destruction of your PI from our system.

          You have the right to object or withhold consent to the processing of your PI. However, if you choose not to provide us with the required PI, we may be unable to provide you with the service requested or provide appropriate advice or service.

          Limitation on Rights
          The foregoing rights with respect to your PI shall not apply to the processing of personal data gathered for the purpose of investigations in relation to any criminal, administrative or tax liabilities that you may have, provided that we will process the same only to the minimum extent necessary to achieve the purpose of said investigations.

          Feedback, queries and transaction concerns on our products and services: [email protected]
          Data Privacy-related queries and concerns: [email protected]

          Please visit the website of the National Privacy Commission (https://privacy.gov.ph)

          CORPORATE AGENT PARTNERS

          • ACTION.ABLE, INC.
          • ALL ACCESS GATEWAY INC.
          • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
          • ACM VIP
          • ALL CASH
          • AGRILIFE/ AGRIVET
          • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
          • AVICOM ENTERPRISES
          • AYALA ALABANG VILLAGE ASSOCIATION
          • BAUG CARP MULTI PURPOSE COOPERATIVE
          • BAGUIO BENGUET COOP
          • CARD BANK INC
          • CARD MRI RIZAL BANK INC
          • CARD SME BANK
          • CARITAS BANCO NG MASA, INC.
          • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
          • CIS BAYAD CENTER, INC
          • COOPERATIVE BANK OF BOHOL, INC
          • COUNTRY BUILDERS BANK
          • CREDENCE FINANCING, INC.
          • CURAMED PHARMACY
          • DALTON PAWNSHOP AND JEWELRY INC.
          • DANIELA PAWNSHOP
          • DIRECT AGENT 5 (DA 5)
          • DEVELOPMENT BANK OF THE PHILS.
          • EXPRESSPAY INC.
          • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
          • FILHAI MULTI PURPOSE COOPERATIVE
          • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
          • GEMARY PAWNSHOP AND JEWELRY (CORP.)

          OVER 600 BILLER PARTNERS NATIONWIDE

          • 123 FINANCE CORPORATION
          • 123 LENDING CORPORATION
          • 2C2P
          • 8AMC (VIA ECPAY)
          • ABEJO WATERS CORP.
          • ABRA
          • ACOM CONSUMER FINANCE CORPORATION
          • ACTIVE REALTY & DEVELOPMENT CORP.
          • ADA MANUFACTURING CORPORATION (VIA ECPAY)
          • AEON CREDIT SERVICE
          • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
          • AFC SME FINANCE INC
          • AFTERWEST MICROLOANS INC
          • AGODA – DRAGONPAY
          • AGRIBANK
          • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
          • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
          • AIR YOU GO TRAVELS PHILIPPINES CO.
          • AKLAN ELECTRIC COOPERATIVE, INC.
          • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
          • ALLIANZ PNB LIFE INSURANCE INC.
          • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
          • AMADEO WATER DISTRICT (VIA ECPAY)
          • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
          • ANGAT WATER DISTRICT (VIA ECPAY)
          • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
          • ANJELMAN REAL ESTATE LEASING
          • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

          OVER 600 BILLER PARTNERS NATIONWIDE

          • 123 FINANCE CORPORATION
          • 123 LENDING CORPORATION
          • 2C2P
          • 8AMC (VIA ECPAY)
          • ABEJO WATERS CORP.
          • ABRA
          • ACOM CONSUMER FINANCE CORPORATION
          • ACTIVE REALTY & DEVELOPMENT CORP.
          • ADA MANUFACTURING CORPORATION (VIA ECPAY)
          • CREDIT SERVICE
          • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
          • AFC SME FINANCE INC
          • AFTERWEST MICROLOANS INC
          • AGODA – DRAGONPAY
          • AGRIBANK
          • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
          • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
          • AIR YOU GO TRAVELS PHILIPPINES CO.
          • AKLAN ELECTRIC COOPERATIVE, INC.
          • ALAMINOS CITY WATER DISTRICT (via ECPAY)
          • CREDENCE FINANCING, INC.
          • CURAMED PHARMACY
          • DALTON PAWNSHOP AND JEWELRY INC.
          • DANIELA PAWNSHOP
          • DIRECT AGENT 5 (DA 5)
          • DEVELOPMENT BANK OF THE PHILS.
          • EXPRESSPAY INC.
          • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
          • FILHAI MULTI PURPOSE COOPERATIVE
          • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
          • GEMARY PAWNSHOP AND JEWELRY (CORP.)

          List of Accepted Government/ Valid IDs

          • Passport
          • Driver’s License
          • Professional Regulation Commission (PRC) ID
          • National Bureau of Investigation (NBI) Clearance
          • Police Clearance
          • Postal ID
          • Voter’s ID
          • Philippine Identification (PhilID) card
          • Government Service Insurance System (GSIS) e-Card
          • Social Security System (SSS) ID
          • Senior Citizen’s ID
          • Overseas Workers Welfare Administration (OWWA) ID
          • OFW ID
          • Seaman’s Book
          • Alien Certification of Registration (ACR)
          • Barangay Certificate or ID (with picture and signature)
          • Birth Certificate (applicable to minors only)
          • Firearm License
          • Immigrant Certificate of Registration
          • Marriage License
          • National Council for the Welfare of Disabled Persons
          • New TIN ID
          • OWWA ID
          • Student ID
          • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
          • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
          • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
          • Department of Social Welfare and Development (DSWD) Certification
          • Integrated Bar of the Philippines ID (IBP)
          • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

          IDs Accepted

          As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

          Forms of identification accepted are the following;

          Pawn Accepted IDs
          1. Passport
          2. Driver’s License
          3. Professional Regulation Commission (PRC) ID
          4. National Bureau of Investigation (NBI) Clearance
          5. Police Clearance
          6. Postal ID
          7. Voter’s ID
          8. Philippine Identification (PhilID) card
          9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
          10. Barangay Certification
          11. Government Service Insurance System (GSIS) e-Card
          12. Senior Citizen Card
          13. Overseas Workers Welfare Administration (OWWA) ID
          14. OFW ID
          15. Seaman’s Book
          16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
          17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
          18. Home Development Mutual Fund (HDMF ID)
          19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
          20. Department of Social Welfare and Development (DSWD) Certification
          21. Integrated Bar of the Philippines (IBP) ID
          22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
          23. ID issued by the National Council on Disability Affairs (NCDA)