At CreditMaster (“we”, “us”, or “our”), your privacy is of the utmost importance to us. This Privacy Policy describes how we collect, use, share, and protect your personal information when you visit or use our website, located at https://www.creditmaster.sg/ (the “Site”) or engage with any of our services, products, or content (collectively, the “Services”). This Privacy Policy applies to all visitors and users of our Site and Services in Singapore.

By accessing or using the Site and Services, you agree to this Privacy Policy. If you do not agree with the terms outlined in this Privacy Policy, please do not access or use our Site or Services.

Information We Collect

We collect various types of information to provide and improve our Services. This information may include:

Personal Information: We collect personal information you provide to us when you engage with our Services. This information may include your name, email address, and phone number.
Usage Information: We collect information about how you use our Site and Services, including the pages you visit, the duration of your visit, and the actions you take while using our Site and Services.
Device and Technical Information: We collect information about your device and internet connection, including your IP address, browser type, operating system, and other technical details.
Cookies and Tracking Technologies: We use cookies and other tracking technologies to collect information about your browsing habits and preferences, in order to improve your experience on our Site and Services.

How We Use Your Information

We use the information we collect for various purposes, including:

To provide and maintain our Services and Site.
To improve and personalise your experience on our Site and Services.
To communicate with you about your account, transactions, and any updates to our Services or Site.
To provide customer support and respond to your inquiries or requests.
To conduct research and analyse trends to improve our Services and Site.
To detect, prevent, and address security or technical issues.
To comply with legal obligations and enforce our terms and conditions.

Sharing Your Information

We do not sell, rent, or share your personal information with third parties, except in the following circumstances:

With your consent.
To our trusted service providers, who help us provide and improve our Services, and who are bound by contractual obligations to protect your personal information and use it only for the purposes for which it is disclosed.
To comply with legal requirements, such as in response to a court order or a government request.
To protect our rights and property, or to enforce our terms and conditions.
In the event of a merger, acquisition, or sale of our assets, where your personal information may be transferred as part of the transaction.

Protecting Your Information

We implement industry-standard security measures to protect your personal information from unauthorised access, use, or disclosure. However, no method of transmission or storage is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

Third-Party Links and Services

Our Site and Services may contain links to third-party websites and services that are not operated by us. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the privacy policies of any third-party websites or services that you visit or use.

Changes to This Privacy Policy

We may update our Privacy from time to time. We will notify you of any changes by posting the updated Privacy Policy on our Site, and we will update the “Last Updated” date at the beginning of this document. Your continued use of our Site and Services after any changes to the Privacy Policy constitutes your acceptance of the updated policy.

Your Rights and Choices

Under the Personal Data Protection Act (PDPA) of Singapore, you have certain rights regarding your personal information, including:

Access: You may have the right to access the personal information we hold about you.
Correction: You may have the right to request correction of any inaccurate or incomplete personal information we hold about you.
Deletion: You may have the right to request deletion of your personal information, subject to certain exceptions.
Restriction: You may have the right to request restrictions on the processing of your personal information.
Data Portability: You may have the right to receive your personal information in a structured, commonly used, and machine-readable format.
Objection: You may have the right to object to the processing of your personal information, based on your particular situation, for reasons related to your personal circumstances.

To exercise any of these rights, please contact us using the contact information provided below. We may require you to verify your identity before processing any requests.

Children’s Privacy

Our Site and Services are not intended for individuals under the age of 21. We do not knowingly collect personal information from children under 21. If you are a parent or guardian and you believe that your child has provided us with personal information without your consent, please contact us, and we will take steps to delete such information from our systems.

International Data Transfers

Your personal information may be transferred to, stored, and processed in countries other than Singapore, including the United States, where our data processing facilities may be located. By using our Site and Services, you consent to the transfer, storage, and processing of your personal information in such countries. We will take appropriate steps to ensure that your personal information is treated securely and in accordance with this Privacy Policy.

Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy, or if you would like to exercise any of your rights and choices, please view our contact details here.

Last Updated: 28 March 2023