The Central Bank of the Philippines and the Securities and Exchange Commission have signed a memorandum of agreement establishing data-sharing and access arrangements for information held in the Personal Equity and Retirement Account System (PERASys), the central database of Personal Equity and Retirement Account (PERA) contributors managed by the central bank. The agreement is intended to support the secure and responsible use of PERA contributor data and to help ensure retirement savings and related tax incentives are accurately recorded and protected. It includes commitments to comply with data privacy laws, sets standards for confidentiality, recordkeeping and data security, and outlines procedures for reporting and handling operational issues and safeguarding information.