With effect from 1 July 2014, this Privacy Notice ("this Notice") shall form part of our terms and conditions governing your relationship with us as set out in the security and/or legal documents or otherwise entered into between you and us (collectively "the Terms and Conditions"). This Notice shall not affect our rights of collection, use, disclosure, processing and/or transfer of your personal data pursuant to the Terms and Conditions or under the law or any statutory provisions or at common law or equity and nothing herein shall be construed as limiting any of those other rights.
Sing Investments & Finance Limited ("SIFL") is committed to maintaining the confidentiality and privacy of your personal data. We only collect and use your personal data to provide you better customer service and for business and legal purposes in relation to our financial products and services including but not limited to the following:-
We may also use personal data for any of the purposes set out in the Terms and Conditions that govern our relationship with you or our customer. Nothing in this Notice shall vary or supersede the Terms and Conditions that govern our relationship with you or our customer.
You may at any time withdraw your consent to the collection, use or disclosure of your personal data by giving reasonable notice to us. However, you should take note that if you withdraw your aforesaid consent, we will have to terminate the loans and/or facilities and/or any of our financial products and services granted to you.
We safeguard your personal data by ensuring that only authorised staff will have access to them. Our authorised staff are required to abide by their contractual obligations to maintain the confidentiality and privacy of your personal data at all times.
We do not sell your personal data to anyone or any third party for marketing initiatives. Your personal data will not be published on our website.
We will only disclose your personal data in limited circumstances such as to the regulatory or law enforcement agencies or in accordance with the applicable laws or to the credit bureau for the purpose of conducting credit checks, to collect or report debts due and owing to us, to enforce and protect our rights, powers and remedies under our security documents and other third parties, whether located in Singapore or any other jurisdictions for any of the purposes set out in this Notice.
We may transfer, store, process and/or deal with your personal data outside Singapore. In doing so, we will comply with the Personal Data Protection Act 2012 ("PDPA")( as amended, revised or re-enacted thereto from time to time) and any other applicable data protection and privacy laws.
The disclosures herein shall be without prejudice and shall not affect our rights of disclosure to any other persons or parties as set out in the Terms and Conditions or pursuant to any laws or any statutory provisions or at common law or equity and nothing herein shall be construed as limiting any of those other rights.
To protect and safeguard the confidentiality of your personal data and to ensure that they are safe, secure and private, we adopt the following systems security and monitoring measures:-
We are committed to monitoring our security system constantly for potential situations that could compromise the security or the privacy of our customers, online users and visitors to our website and to exploring new technology continually to enhance our security system. Nevertheless, we do not warrant the security of your personal data transmitted to us using our website and Internet and online services. This is because you accept the risks that any of your personal data transmitted to or received by us using our website and Internet and online services may still be accessed and/or disclosed by unauthorised third parties.
It is important that you do your part to ensure that any personal data provided to us via the Online Contact Form or email or any other channels of communication are done in a safe and secure manner. We will not be liable to you for any losses, damages, expenses, costs (including legal costs) and charges (whether direct or indirect, foreseeable or unforeseeable, special or consequential or economic loss ) incurred or suffered by you arising out of you sending email messages containing your personal data to us over the Internet or for any error, fraud, forgery, system failure or anything beyond our control or in connection with your failure to adhere to the terms and conditions herein and the terms and conditions of access to our website under our Notice "Disclaimer of Liability" and/or your failure to follow the above recommended security measures.
Under the PDPA as amended, revised or re-enacted thereto from time to time, you have the right of access to your personal data which are in our possession or under our control or information which may have been used or disclosed by us within a year before the date of your request. Your request to us for access must be made in writing and subject to payment of such fees as may be prescribed by us from time to time. The prescribed fee amount depends on the nature and complexity of your access request.
Keeping your personal data accurate and updated is very important to us. You can help us keep accurate records by informing us of any changes, errors or omissions in your personal data. If you have any reasons to believe that your records with us are inaccurate, incorrect, incomplete or not updated, please write to us. We will promptly update your records accordingly within seven (7) working days from the date of receipt of your request.
Your personal data will be retained by us for as long as the original purposes or the legal or business purposes for which your personal data were collected continues. Should retention is no longer necessary, your personal data will be deleted, destroyed or de-identified from you unless retention of the same is required to satisfy legal or regulatory requirements or to protect our interests or in accordance with our policies.
If you have any queries, concerns or complaints relating to the collection, use or disclosure of your personal data, you may call any of our Customer Service Officers at Tel: 63050398/ 64387060 during office hours from 9.00 am to 6.00 pm from Mondays to Fridays.
Please note that calls to our Customer Service Officers may be monitored or recorded.
Alternatively, you may write to us or send your email to our Data Protection Officer at email@example.com.
We are committed to providing you with good customer service and hence we will attend to your queries, concerns or complaints as expeditiously as possible.
Our data protection policy and practices shall be governed by and be construed in accordance with the laws of Singapore and in the event of any dispute or grievance, you agree to irrevocably submit to the exclusive jurisdiction of the courts of Singapore.