2.1 The term “Personal Data” means any information in our possession or control that relates directly or indirectly to an individual to the extent that the individual can be identified or are identifiable from that and other information in our possession, such as name, address, telephone number, Identification/Passport number, date of birth, photograph, email address, household information, etc. as well as Sensitive Personal Data as defined under the PDPA, which includes but is not limited to, information pertaining to the physical or mental health or condition of a data subject and religious beliefs.
2.2 The types of Personal Data collected depend on the purpose of collection. We may process your Personal Data by way of collecting, recording, holding, storing, using and/or disclosing it.
2.3 Your Personal Data may be collected from you during your course of dealings with us in any way or manner including pursuant to any transactions and/or communications made from/with us. We may also collect your Personal Data from a variety of sources, including without limitation, at any events, seminars, road shows, customer satisfaction surveys organised and/or sponsored by us, as well as from publicly available sources.
2.4 In addition, we may also receive, store and process your Personal Data which are provided or made available by any third parties, credit reference bodies, regulatory and law enforcement authorities, for reasons including delivery of our products and/or services, performance of conditions of agreements and/or to comply with our legal and regulatory obligations.
2.5 The Personal Data as provided/furnished by you to us or collected by us from you or through such other sources as may be necessary for the fulfilment of the purposes at the time it was sought or collected, may be processed for the following purposes (collectively referred to as the “Purposes”):
a. to communicate with you;
b. to maintain and improve customer relationship;
c. to assess, process and provide products, services and/or facilities to you;
d. to administer and process any payments related to products, services and/or facilities requested by you;
e. to establish your identity and background;
f. to respond to your enquiries or complaints and resolve any issues and/or disputes which may arise in connection with any dealings with us;
g. to provide you with information and/or updates on our products, services, upcoming promotions offered by us and/or events organised by us and selected third parties which may be of interest to you from time to time;
h. for direct marketing purposes via SMS, phone call, email, fax, mail, social media and/or any other appropriate communication channels;
i. to facilitate your participation in, and our administration of, any events including contests, promotions or campaigns;
j. to award points in a loyalty or rewards programme;
k. to maintain and update internal record keeping;
l. for internal administrative purposes;
m. to send you seasonal greetings messages from time to time;
n. to send you the invitation to join our events, promotions and product launch events;
o. to monitor, review and improve our events, promotions, products and/or services;
p. to conduct credit reference checks and establish your creditworthiness, where necessary, in providing you with the products, services and/or facilities;
q. to administer and give effect to your commercial transactions with us (such as a tender award, contract for service, tenancy agreement);
r. to process any payments related to your commercial transactions with us; to process and analyse your Personal Data either individually or collectively with other individuals; customer profiling activities, analysis of customer patterns and choices, planning and statistical and trend analysis in relation to our products and/or services;
u. to share any of your Personal Data with the auditor for our internal audit and reporting purposes;
v. to share any of your Personal Data pursuant to any agreement or document which you have duly entered with us for purposes of seeking legal and/or financial advice and/or for purposes of commencing legal action;
w. to share any of your Personal Data with our joint venture/business partners to jointly develop products and/or services or launch marketing campaigns;
x. to share any of your Personal Data with insurance companies necessary for the purpose of applying and obtaining insurance policy(ies), if necessary;
y. to share any of your Personal Data with financial institutions necessary for the purpose of applying and obtaining credit facility(ies), if necessary;
z. for audit, risk management and security purposes;
aa. for detecting, investigating and preventing fraudulent, prohibited or illegal activities;
bb. for enabling us to perform our obligations and enforce our rights under any agreements or documents that we are a party to;
cc. to transfer or assign our rights, interests and obligations under any agreements entered into with us;
dd. for meeting any applicable legal or regulatory requirements and making disclosure under the requirements of any applicable law, regulation, direction, court order, by-law, guideline, circular or code applicable to us;
ee. to enforce or defend our rights and your rights under, and to comply with, our obligations under the applicable laws, legislation and regulations;
ff. to carry out verification and background checks as part of any recruitment and selection process in connection with your application for employment with us; and/or
gg. for other purposes required to operate, maintain and better manage our business and your relationship with us, which we notify you of at the time of obtaining your consent; and you agree and consent to us using and processing your Personal Data for the Purposes in the manner as identified in this Policy. If you do not consent to us processing your Personal Data for one or more of the Purposes, please notify us at the contact details below.
2.6 The collection of your Personal Data by us may be mandatory or voluntary in nature depending on the Purposes for which your Personal Data is collected. Where it is obligatory for you to provide us with your Personal Data, and you fail or choose not to provide us with such data, or do not consent to the above or this Policy, we will not be able to provide products and/or services or otherwise deal with you.