Can I withdraw my consent to being tracked by the GPS device?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
Yes — under the Data Privacy Act (RA 10173), where processing rests on consent, that consent can be withdrawn, and you always have the right to object to the processing of your personal data (Sec. 16). Withdrawing consent does not by itself erase a valid separate basis, so the lender may argue the tracking is needed for the contract; but even then the processing must stay proportionate and necessary, and it cannot continue merely to pressure or monitor you beyond what securing the loan requires. Once you withdraw consent and object in writing, the burden shifts to the lender to justify any continued tracking — if it cannot, the processing becomes unlawful and the National Privacy Commission (NPC) can order it stopped and the data deleted. This is different from whether you had to consent in the first place.
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Frequently asked
If I withdraw consent, can they call the loan or repossess?
Objecting to unlawful tracking is a privacy right, not a default. A lender cannot lawfully seize or immobilise the vehicle over a privacy objection; recovery still needs voluntary surrender or a court process. Any retaliatory collection can be raised with the SEC under RA 11765.
They say tracking is a condition of the loan, so consent can't be withdrawn.
Consent bundled as a non-negotiable loan condition may not be 'freely given' under RA 10173 to begin with, and even a contract basis must be proportionate. You can still object and force them to justify it before the NPC.
How do I withdraw consent properly?
Put it in writing to the company's Data Protection Officer: state that you withdraw consent and object to further location processing, and ask them to confirm and to delete existing data. LabanPH drafts this letter for free.
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