How we handle your data?

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy. We use your Personal Information for providing and improving the Service.

By using our Services, you acknowledge that your personal data will be handled as described in this Privacy Policy.

Information We Collect

Identity and contact information:
We may collect information that identifies or relates to you, including your name, mobile number, email address, residential status and other contact or identification information you provide.

Loan enquiry and application information:
We may collect information provided in connection with your loan enquiry or application, including your desired loan amount, loan purpose, employment details, income information, financial commitments and other information required to assess and match your application with suitable loan providers.

Financial information:
Where relevant and authorised, we may collect information relating to your financial circumstances, transaction history, credit facilities, repayment obligations and other information required to process your enquiry or application.

Singpass and MyInfo information:
If you choose to apply using Singpass or MyInfo, we may receive personal data that you have authorised the relevant service to disclose to us for the purpose of completing and processing your application.

Communication and marketing information:
We may collect your communication preferences, marketing consent records, enquiries, replies, message delivery information, email opens, message reads where available, link clicks and opt-out status.

Technical and usage information:
We may collect technical information about your use of our website, including your Internet Protocol address, browser type, device information, operating system, referring and exit pages, date and time information, and website activity.

Information about other individuals:
If you provide personal data relating to another person, such as a co-borrower, you confirm that you are authorised to provide that information and have informed the individual of the purposes for which it is being provided.

How We Collect Your Information

Information provided directly by you:
We collect information when you submit an online form, make a loan enquiry or application, contact us by telephone, email or a messaging platform, or otherwise interact with our services.

Information from authorised services and third parties:
Where you have provided the necessary authorisation, or where permitted by applicable law, we may receive information from Singpass, MyInfo, loan providers, business partners, service providers and other relevant sources.

Cookies and similar technologies:
We may use cookies, web beacons and similar technologies to remember your preferences, understand how our website is used and improve our services.

This information may include your Internet Protocol address, browser type, device information, Internet service provider, referring and exit pages, operating system, date and time information, and website activity. We may combine this information with other information we collect where reasonably necessary for the purposes described in this Privacy Policy.

You may configure your browser to refuse cookies or notify you when cookies are being used. Some parts of our website may not function properly if certain cookies are disabled.

How We May Use Your Information

Money Kinetics (Singapore) Pte. Ltd. may collect, use or disclose your personal data for the following purposes:

1. To receive, process and administer your loan enquiry or application;
2. To provide our loan comparison and matching services;
3. To match and refer your application to suitable loan providers;
4. To communicate with you about your enquiry, application or requested services;
5. To respond to questions, requests, complaints and feedback;
6. To verify information and prevent fraud, misuse or security threats;
7. To maintain records and manage your communication and consent preferences;
8. To analyse, maintain and improve our website, services and customer experience;
9. To send marketing and re-engagement communications where you have provided consent; and
10. To comply with applicable legal, regulatory, reporting and record-keeping requirements.

Marketing Communications And Your Choices

Where you have provided your consent, Money Kinetics (Singapore) Pte. Ltd. may use your name, email address and mobile number to send you marketing and re-engagement communications through electronic channels, including email and messaging platforms such as WhatsApp.

These communications may include:

1. Information about our loan comparison and matching services;
2. Financial education and borrowing-related information;
3. Promotions and marketing announcements;
4. Reminders to revisit an incomplete or previous enquiry; and
5. Invitations to submit a new application or explore available options.

We may use third-party communication platforms and service providers, including email delivery providers and WhatsApp Business Platform providers, to deliver and manage these communications. We may collect information concerning message delivery, email opens, message reads where available, link clicks, replies, campaign sources and opt-out status to measure and improve our communications.

Where these service providers process personal data outside Singapore, we will take reasonable steps to ensure that the transferred personal data receives a standard of protection comparable to that required under applicable Singapore law.

You may withdraw your consent to receive marketing communications at any time using any of the methods below. Withdrawing your marketing consent will not affect any application already submitted or your continued access to our loan comparison and matching services.

• Email: Use the unsubscribe link included in any marketing email.
• WhatsApp: Reply “STOP” to a WhatsApp marketing message received from us.
• Contact us: Email contact@moneykinetics.sg and tell us which communication channel you wish to unsubscribe from.

After receiving your request, we will stop sending marketing communications through the relevant channel as soon as reasonably practicable. We may retain a suppression record to ensure that your marketing preference continues to be respected.

Withdrawing marketing consent will not prevent us from sending non-marketing communications that are reasonably necessary to process or administer your application, respond to your enquiry, provide information you have requested, or meet our legal and regulatory obligations.

Who May We Share Your Information With?

Loan providers and network partners:
When you submit a loan enquiry or application, we may disclose relevant personal data to participating banks, regulated loan providers and other network partners for the purpose of processing your enquiry, assessing your application and matching you with suitable loan options.

A loan provider that receives your personal data may process and retain it in accordance with its own privacy policy and applicable legal and regulatory obligations.

We may receive information from a loan provider concerning the progress or outcome of your application, the provider or offer you selected, the loan amount and relevant loan terms where reasonably necessary to administer, analyse and improve our services.

We may retain this information for application administration, internal analytics, consented marketing, dispute resolution, legal compliance and the other purposes described in this Privacy Policy.

Service providers:
We may disclose personal data to service providers that perform services on our behalf, including website hosting, data storage, communications, email delivery, WhatsApp messaging, analytics, customer support, information technology and security services.

These service providers may access personal data only where reasonably necessary to perform services on our behalf. They are required to handle the information in accordance with their contractual obligations and applicable laws.

Legal and business purposes:
We may disclose personal data where required or permitted by applicable law, a court order or a request from a regulatory, governmental or law-enforcement authority.

We may also disclose personal data where reasonably necessary to investigate suspected fraud or unlawful activity, protect the rights and security of Money Kinetics or other individuals, enforce our agreements, or complete a merger, acquisition, restructuring or sale of all or part of our business, subject to appropriate safeguards.

We may share aggregated or anonymised information that does not identify an individual for research, analytics and business-improvement purposes.

Data Retention

We retain personal data for as long as reasonably necessary to fulfil the purposes described in this Privacy Policy, meet our legal and regulatory obligations, resolve disputes, maintain appropriate business records and enforce our agreements.

When personal data is no longer required for any legal or business purpose, we will take reasonable steps to securely delete, destroy or anonymise it.

Security

The security of your Personal Information is important to us, but please note that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links to other sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over, and assume no responsibility for the security, content, privacy policies or practices of any third-party sites or services.

Children’s privacy

Our Service does not address anyone under the age of 21 (“Children”). We do not knowingly collect personally identifiable information from children and teenagers below the age of 21.

If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a person below 21 years old has provided us with Personal Information, we will delete such information from our servers immediately.

Changes to this privacy policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Personal Data Protection And Enquiries

The Personal Data Protection Act 2012 (“PDPA”) governs how organisations in Singapore collect, use, disclose, protect and retain personal data. Money Kinetics (Singapore) Pte. Ltd. takes reasonable steps to manage personal data responsibly and respect individuals’ choices concerning their personal data.

If you have questions about this Privacy Policy, how we handle your personal data, or if you wish to access or correct your personal data or withdraw your consent, please contact us:

Money Kinetics (Singapore) Pte. Ltd.
Email: contact@moneykinetics.sg
Address: 41 Jalan Pemimpin, #04-1A, Kong Beng Industrial Building, Singapore 577186

For general information about the PDPA, please visit the Personal Data Protection Commission’s website.