policy

We take your privacy very seriously. We understand that your privacy is important. This Privacy Policy describes how we collect and use the personal information that we collect about you on our website, our mobile application (including any mini-programs hosted by third party providers) and through the provision of any related services (together, the “Services”).

By continuing to use the Services, you agree to this Privacy Policy and the collection, use, disclosure, and storage of your personal information as described by this policy. We encourage you to read this policy to understand the information we collect and how we use and share it. This policy applies to all of our Services that link to it.

Information We Collect

When you use the Services, we may collect personal information about you, such as your name, address, age or birth date, National ID number, telephone number, email address, or any other information that you submit on applications or other forms made available through the Services. We may also collect personal information about you from third party sources, which we may combine with information that you provided to us or we previously collected. For example, we may receive information from a third party mobile application provider, a property broker, real estate agent or asset manager about you if you use their website or a linked social media account. We may also collect personal information from credit reporting agencies, law enforcement agencies and other government entities.

We also automatically collect certain information related to you and your activities when you visit or use our website or mobile application. This information includes information such as your IP address, your internet browser and operating system type, the date and time of your visit, and the third party website that referred you to us (if any).

How We Use Collected Information

The primary purpose for which we collect information about you is to enable us to perform our business activities. We use your personal information and related data for the following purposes:

to provide products and services to you (such as, to complete and fulfil your request for potential loan rates, pre-approval letters and/or loan applications);

for our marketing (including direct marketing communications), promotional, planning, product/service development, quality control and research purposes;

for our business purposes, such as for analysis and development of new products and services (including with affiliated entities, partners and third party service providers);

to improve our website and mobile applications and for analytics purposes of these services;

to verify your identity for “know your client” and anti-money laundering requirements;

to investigate any complaints about or made by you, or if we have reason to suspect that you are in breach of any of our terms and conditions or that you are or have been otherwise engaged in any unlawful activity; and/or

as otherwise required or permitted by any law, and for any other purpose to which you consent.

How We Share Personal Information

We may share personal information with third parties:

our employees, partnerships, affiliated or joint venture entities, contractors or external service providers for the operation of or our business, fulfilling requests by you, and for providing products and services to you;

vendors who provide credit history services, identity verification, employment verification and other related services necessary for us to provide products and services to you;

our existing or potential agents and/or business partners that provide services related to our business, or services or products you may be interested in;

for any purpose to which you expressly consent;

to protect our rights or the rights or safety of others; and

as may be required by law or regulation.

We limit the information that we send service providers, and require that our service providers only use shared personal information to perform the services requested in accordance with this Privacy Policy, and have adequate security measures in place to protect any of your shared personal information. Your personal information will not be shared, sold, or disclosed by us other than as described in this Privacy Policy.

How We Protect Personal Information

We use reasonable physical, technical, and administrative security measures to protect personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For example, where necessary we may utilize firewalls, password access, secure servers and the use of encryption technologies. Please understand that no security technology is completely secure, and remember that when communicating with us, email is not a secure form of communication when transmitting sensitive or personal information. If you suspect any misuse or loss of, or unauthorised access to, your personal information, please let us know immediately.

Access to and Control Over Information

We may send you direct marketing communications and information about products and services that we consider may be of interest to you. You may opt-out of any future marketing contacts from us at any time by contacting us via the email address or phone number given on our website.

You may request access to any personal information we hold about you at any time. Where we hold information that you are entitled to access, we will try and provide you with suitable means of accessing it. We will not charge for simply making a request and will not charge for making any corrections to your personal information. If you make an access request, we will ask you to verify your identity. There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others, or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal. If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment, then we will add a note to the personal information stating that you disagree with it.

Cookies and Other Tracking Technologies

We use cookies and other tracking technologies. A “cookie” is a small file placed on your computer that helps us to recognize your browser. We may use cookies and tracking technologies to: monitor how our website and/or mobile applications are used; customize content; serve advertisements and evaluate the effectiveness of our advertising campaign; identify problems with the website; improve the website; analyze website traffic and other analytics purposes; monitor the security of the website; and gauge the effectiveness of our communications.

Most web browsers allow you to adjust your preferences to reject cookies or to receive notifications before they are placed. If your browser is set to reject cookies, you may continue to use the Services, but some aspects may not function as intended. We may also use third party cookies to serve targeted advertisements on both the website and on third party websites. These cookies may track users over time and across third party websites and services. Please note that if you opt-out of advertising cookies, you may still see our advertisements on third party websites and services.

Links

Our website or mobile application may contain links to other websites or applications operated by third parties. We make no representations or warranties in relation to the privacy practices of such third party services and we are not responsible for the privacy policies or the content thereof.

Updates to this Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be immediately effective upon the posting of the updated policy. Your continued use of the Services after these updates are posted represents your consent to the terms of the new Privacy Policy. Please regularly check this Privacy Policy for any such updates.