1. Collection of Personal Data:

We may collect various types of personal information from you, including but not limited to:

• Contact information (e.g., name, address, email address, phone number)
• Identification details (e.g., NRIC/FIN, passport details)
• Financial information (e.g., income, assets, liabilities)
• Employment information
• Other information relevant to your mortgage application

We collect this information when you voluntarily provide it to us through our website, forms, in-person meetings, phone calls, or any other interactions with our representatives.

2. Use of Personal Data:

We use your personal data for the following purposes:

• Processing and evaluating your mortgage application
• Communicating with you regarding your application status, updates, and related matters
• Complying with legal and regulatory requirements
• Improving our services and offerings
• Storing or creating backups (whether for contingency or business continuity purposes or otherwise), whether within or outside Singapore

3. Disclosure of Personal Data:

We may disclose your personal data to:

• Financial institutions, credit bureaus, or regulatory bodies for the purpose of processing your mortgage application
• Our affiliates, partners, or service providers who assist us in providing mortgage-related services
• Third party service providers and advisors e.g. Technical Support/ IT service providers, including but not limited to webhosting companies and cloud service providers;
• Legal or regulatory authorities as required by law
• We may disclose your Personal Data to the abovementioned parties also in the occurrence of any of the following events:
  • To the extent that we are required to do so by the law
  • In connection with any legal proceedings.
  • To third parties who provide services to us or on our behalf;
  • With your consent; and
  • For the disaster recovery as required.

4. Security and Retention:

We employ reasonable security measures to protect your personal data against unauthorized access, disclosure, or misuse. We retain your information for as long as necessary to fulfill the purposes outlined in this policy or as required by Singapore applicable laws.

5. Access and Correction:

You have the right to access, correct, or update your personal data held by us. If you wish to exercise this right or have any inquiries about your personal data, please contact us at ask@loansaver.com.sg.

6. Consent Withdrawal:

You may withdraw your consent for the collection, use, or disclosure of your personal data at any time by contacting us. However, this may affect our ability to provide you with certain services.

7. Updates to Privacy Policy:

We reserve the right to alter any of the clauses contained in this Policy and may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. The revised policy will be posted on our website with the updated effective date.

8. Children's Privacy:

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors without parental consent. If you believe that we have inadvertently collected information from a child, please contact us immediately.

9. Use Of Cookies

To the extent that the Service is presented or provided to you through a website, please be aware of the following:

We may employ "cookies," which are small data files sent to your browser to store and monitor information about your interactions with our websites. These cookies help track details such as the number of users, their frequency of use, user profiles, and preferred sites. It's important to note that while this cookie does not have the ability to access data on your hard disk.

You have the option to accept or decline cookies and can adjust your browser settings to decline them if you so choose. However, opting to decline cookies may limit your ability to fully utilize the features of the website to enjoy better user’s experience.

10. Contact Information:

If you have any concerns, questions, or requests regarding this Privacy Policy or our handling of your personal data, please contact us at ask@loansaver.com.sg.

By using our services or providing us with your personal data, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

11. Governing Law

This Policy is governed by and shall be construed in accordance with the laws of Singapore. You hereby submit to the non-exclusive jurisdiction of the Singapore courts.

This Privacy Policy is dated 08 Dec 2023.