Privacy Policy
Last updated: 23/7/2024
At SGMoneyCompare.com, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website and services.
1. Information We Collect
We collect information you provide directly to us when using our loan comparison service, including:
– Personal identification information (name, NRIC/FIN number)
– Contact information (email address, phone number, residential address)
– Financial information (income, employment details, existing loans)
– Any other information you choose to provide
2. How We Use Your Information
We use the information we collect to:
– Match you with suitable licensed moneylenders
– Provide, maintain, and improve our services
– Communicate with you about our services
– Comply with legal obligations
3. Information Sharing and Disclosure
We share your information only with:
– Financial Institutions you are matched with
– Service providers who assist in our operations
– Legal authorities when required by law
We do not sell your personal information to third parties.
4. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
5. Your Rights
You have the right to:
– Access your personal information
– Correct inaccurate or incomplete information
– Request deletion of your data
– Opt-out of marketing communications
To exercise these rights, please contact us at info@sgmoneycompare.com.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website. You can manage your cookie preferences through your browser settings.
7. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
8. Contact Us
If you have any questions about this Privacy Policy, please contact us at:
By using SGMoneyCompare.com, you agree to the terms outlined in this Privacy Policy.
Who may we share your information with?
SgMoneyCompare affiliates: We may share information about you or provided by you with our affiliates.
Network partners: When you submit an inquiry or use another Service provided through the Website, you direct SgMoneyCompare to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”).
The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies.
Pursuant to the contracts between SgMoneyCompare and its Network Partners, if you select a Network Partner through our Services, SgMoneyCompare may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan.
SgMoneyCompare and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products.
SgMoneyCompare may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
Financial companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
Other business partners: We also may share information about you with other business partners that offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.
SgMoneyCompare service providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.
We may also employ third-party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.
These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Other situations: We may also disclose information about you or provided by you at our sole discretion and under the following scenarios if necessary:
- In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
- When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the SgMoneyCompare business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
- In connection with a substantial corporate transaction involving the SgMoneyCompare business, such as a sale of SgMoneyCompare or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
- In connection with licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorise SgMoneyCompare to obtain any and all required information from the entities with whom you have interacted with in connection with SgMoneyCompare in order for SgMoneyCompare to comply with current laws and regulations, as well as with any requests from industry regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
- We may share information with third parties that is not personally identifying, such as aggregated or anonymised data, in our discretion, where not prohibited by law.
