Type of personal data collected
We variously collect the following type of personal data from visitors to our Website and/or users of our Platform or Services:
(a) information that you provide when registering or opening an account with us;
(b) details of your usage of our Website and/or Platform;
(c) information regarding transactions that you effect over our Website or Platform or Services; and
(d) other personal data that you may provide to us from time to time.
How do we collect such personal data
We may variously collect your personal data in one or more of the following ways:
(a) when you submit such data to us;
(b) when you interact with us, whether over the telephone, via email, in person or otherwise;
(c) when you undertake any transactions using our computer systems or network; or
Use of personal data
We use your personal data to:
(a) administer our Website, Platform and Services, including for legal and compliance purposes;
(b) administer and manage our relationship with you;
(c) allow you access and to use the functionality of our Website, Platform and Services;
(d) publish or use information about you in accordance with our Website Terms, Platform Terms and Services Terms;
(e) send you notices, communications, statements of account and receipts;
(f) personalise our services to you;
(g) send you marketing and promotional materials relating to our services;
(h) comply with all applicable laws, regulations, rules, directives, orders, instructions and requests from any local or foreign authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities;
(i) facilitate any other purposes reasonably related or ancillary to the above purposes; and
(j) facilitate any other purposes for which your specific consent was obtained or given.
Disclosure of personal data
Withdrawal of consent
We may require up to 3 weeks from the date of your notification to duly respond to the request and effect any necessary changes (including, where applicable, conveying such notification to any relevant third party that we work with). Please note that depending on your request, the nature of the Funding Arrangement and/or the Obligations which remain outstanding under the Funding Arrangements, the changes to our collection, use or disclosure of your personal data may not be effected with immediate effect.
Depending on the extent to which you withdraw consent to our use of your personal data for any purpose(s), such withdrawal may be considered a termination by you of any agreement with us and, to the extent that any such purpose(s) are intrinsic to the provision of our services to you, we reserve the right to immediately discontinue or cease the provision of such services. In the event that such withdrawal is considered a termination by you of any agreement or results in the closure of your account with us, your account will only be closed upon the maturity of all outstanding loans taken by yourself and we will require up to 3 weeks from the maturity date of the last outstanding loan which you have invested in to effect any necessary changes to our collection, use or disclosure of your personal data.
Access and/or changes to personal data
You may, at any time, contact us, in the manner specified below, to request changes to or to obtain information about the personal data that we have collected from you and how we have used it, as well as to change your specific marketing-related preferences.
Please note that we are not required, under the PDA, to allow access to and correction of personal data in certain situations. The PDA also allows us, and we reserve the right, to charge a reasonable fee for the handling and/or processing of any requests to access personal data in accordance with this clause.
We may require up to 3 weeks from the date of notification to duly respond to a request for access or correction of personal data and to effect any necessary changes (including, where applicable, conveying such request or notification to any relevant third party that we work with).
Retention of your personal data
We shall retain your personal data as long as the purpose for which it was collected remains and until it is no longer necessary for any other legal or business purposes.
Protection of your personal data
We shall implement reasonable security arrangements to maintain the confidentiality and to prevent any unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks to or of any personal data in our possession (including using firewalls and other technology and/or security procedures to secure our computer network and prevent unauthorized access thereto).
If we transfer any personal data outside Singapore, we will take reasonable steps to ensure that such data receives a standard of protection comparable to that accorded under the PDA.
For the avoidance of doubt, we shall not be responsible in any way for the security and/or management of any personal data which you share with any third party websites accessible via links on our Website.
Tel: 0928 733 4055
Attention: Data Privacy Officer
Governing law and jurisdiction