TransUnion Privacy Policy
Privacy Policy
1. Who We Are
1.1 TransUnion Information Solutions, Inc. (“TUPH”, “we”, “us” or “our”) is the largest private credit information bureau in the Philippines. We use systems to collect, analyze, and share credit information. This helps us look at credit profiles, give credit reports and scores, and help with credit decisions.
1.2 This policy explains how we collect, use, and share your personal information. We promise to protect your privacy and follow all laws, including the Data Privacy Act of 2012 and its implementing rules and regulations.
1.3 You can contact our Data Protection Officer by:
Post – 19th Floor, Ayala Triangle Gardens Tower 2, Paseo de Roxas cor. Makati Avenue, Makati City, Philippines 1226
Email – dataprivacyph@transunion.com
Phone – +63 2 8858-0426
2. Where We Collect Your Personal information
2.1 We collect your personal information from various sources, including our clients and partners from both public and private sectors (“TUPH Members”). The details are in the table below:
| Type of Information | Description |
Source |
| Personal identifiers and contact details | Basic personal information about you, your citizenship and how to contact you. |
We may collect directly from you or TUPH Members. |
| Organization-related details | Information about your organization and your role, like your job title and colleagues. | |
| Proof of identity or authority | Information to confirm who you are, like identity documents and biometric data. If you enquire on behalf of someone, we might need proof of authority or supporting documents. | |
| Credit information | Details about your open and closed accounts, overdue amounts, credit enquiries, and review checks. | We usually receive from TUPH Members. |
| Non-credit information | Information about your telco and service accounts, home, and car ownerships. | |
| Employment-related details | Information about your jobs, performance, benefits, and references. | We usually collect directly from you or may sometimes create for you (in case of job reviews and password reset). |
| Login credentials | Your username and password for our web services. | |
| Contact history | Information about our interactions, like emails you opened/ sent or links you clicked. | We produce it ourselves. |
| Device information | Details about your device, like type, operating system, browser, IP address, and cookies. | |
| Audio or video recordings | Voice, image, and video recordings from our hotline and cameras. | |
| Scores, grades, and screening results | This shows your financial health and how reliable you are. | We produce it ourselves or via third party services. |
| Public records | Information from public sources, like official notices and court judgments. | We collect it from the public domain. |
2.2 Without your personal information, we may not be able to confirm who you are and provide our products/ services.
3. How We Use and Share Your Personal information
3.1 We handle your personal information only with your consent or when the law allows.
3.2 We do not make automated decisions that affect you legally. We use and share your personal information to:
Confirm who you are before offering services;
Provide products/ services to you and TUPH Members;
Personalize services to suit your needs better;
Manage relationships with you and other parties;
Improve and promote products/ services;
Gather data about market trends and consumer needs;
Maintain and protect our data and systems;
Keep our staff and visitors safe;
Ensure compliance and conduct audits; and
Follow laws and defend our interests.
3.3 Each TUPH Member has its own privacy notice to explain how it shares information with us or uses the information we provide. We may also give you extra privacy notices to read with this policy.
3.4 We mainly store and process data in the Philippines. We may share your personal information with other companies in the TransUnion group and third parties who help us use it as described in Section 3.2. These parties, wherever they are, cannot use your personal information for their own purposes without your consent.
3.5 We may also share anonymized data that cannot reasonably identify you.
4. Retaining Your Personal information
4.1 We follow legal requirements and internal retention schedule to keep your personal information only as long as needed. We shred physical records and anonymize digital files to prevent unauthorized access or use. You can ask us to delete it earlier as explained in Section 6.1.
5. Protecting Your Personal information
5.1 We take data protection seriously. We have physical, electronic, and managerial measures to keep your personal information safe. Wherever we store and process data, we work with TUPH Members and third parties to protect data transfers and prevent fraud.
6. Your Data Subject Rights
6.1 You have several rights regarding the personal information we hold about you. These are briefly described below. To exercise these rights, please contact us as set out in Section 1.3:
Access: Find out what information we hold about you and how we use it.
Rectification: Ask us to correct inaccurate or outdated information.
Objection to Processing: Withdraw your consent to stop us from using your personal information in some cases.
Erasure: Ask us to delete your information from our systems. However, this usually won’t apply to all your information. We might have good reasons for keeping some of it.
Portability: Receive limited kinds of information in a portable format.
Damages: Seek compensation for events affecting your rights and freedom as a data subject.
6.2 We aim to provide the best service. If you are not happy with our use of your information, please contact us so we can look into your concerns. You also have the right to lodge a complaint with the National Privacy Commission, the data regulator in the Philippines.
7. Changes to this Privacy Policy
7.1 We review this policy regularly and may change it at any time without notice. Our last update was on June 23, 2025.
8. Feedback on this Privacy Policy
8.1 We welcome your suggestions or comments about our data privacy practices. You can contact us as set out in Section 1.3.
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Cookie Notice
This notice provides information about how we use cookies on our website at www.transunion.ph.
1. Who are we?
This website is operated by TransUnion Information Solutions, Inc., which is a company registered in the Philippines. Its registered office is at 19th Floor, Ayala Triangle Gardens Tower 2, Paseo de Roxas cor. Makati Avenue, Makati City, Philippines 1226.
2. WHAT ARE COOKIES?
A cookie is a small file of letters and numbers that we put on your device when you browse our website.
3. WHAT DO WE USE COOKIES FOR?
We use cookies and similar technologies to distinguish you from other users of the website. This helps us to provide you with a good experience when you browse the website and also allows us to personalize and improve the website.
Our cookies are not used to collect information which (by itself) allows us to identify who you are. But if you separately tell us who you are, we may link your identity to the cookies we put on your device so that we can see how you are using the website. We use that information in accordance with the privacy notice that we give you when you tell us who you are.
4. WHAT COOKIES DO WE USE?
We use the following kinds of cookie:
Strictly necessary cookies. These are cookies that are required for the operation of the website. They include, for example, cookies that enable you to log into secure areas of the website.
Analytical/performance cookies. These cookies allow us to recognize and count the number of visitors and to see how visitors move around the website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. They also allow us to tell if you have reached our website from one of our advertising partners so that we can meet our contractual commitments to that partner.
Functionality cookies. These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences.
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
5. HOW TO CONTROL COOKIES?
Strictly necessary cookies are always on when you visit us. On your first visit to us, we’ll ask you to choose which cookies we can use.
You can block cookies using your browser settings that allow you to refuse all or some cookies. However, if you use your browser settings to block all cookies (including strictly necessary cookies) you may not be able to access parts of our website or use some of its features.
For more information about this, and about cookies in general, you may wish to visit https://www.aboutcookies.org/cookie-faq.
Updated as of 23th day of June, 2025
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