Introduction

1. 1.1   QuickLoan Pte Ltd (hereinafter “QuickLoan”, “we”, “us”, “our”) is committed to protecting the privacy and security of personal data that we collect from our customers.
2. 1.2   This Data Protection Policy sets out how we collect, use, disclose, store, and protect personal data collected through our website www.quickloan.com.sg (hereinafter “website”), including Myinfo Singpass information and other information submitted through our online loan application or through the Contact Us page.
3. 1.3   This Policy is in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore and any other applicable laws and regulations.   

Types of Personal Data Collected

1. 2.1   We may collect the following types of personal data:

• Name, contact details, identification number, and other personal particulars
• Financial information, employment details, and credit history
• Information about your transactions with us
• Any other information that you voluntarily provide to us through our website or other means of communication

Purposes of Collection, Use, and Disclosure of Personal Data

1. 3.1   We may collect, use, and disclose your personal data for the following purposes:

• To verify your identity, eligibility, and creditworthiness for loan applications
• To provide, process, and manage our loan products and services to you
• To respond to your inquiries and requests submitted through the Contact Us page
• To comply with applicable laws and regulations, including but not limited to Anti-Money Laundering and Countering the Financing of Terrorism requirements
• To conduct research, analysis, and audits to improve our products and services
• To market our products and services to you, subject to your consent

Consent

1. 4.1   By submitting your personal data to us through our website or other means of communication, you consent to our collection, use, and disclosure of your personal data for the purposes set out in this Policy.
2. 4.2  We will only collect, use, or disclose your personal data for additional purposes with your consent, unless required or authorized by law.

Protection of Personal Data

1. 5.1    We will take reasonable steps to protect your personal data from unauthorized access, use, disclosure, modification, or destruction.
2. 5.2  We will use appropriate security measures, including physical, technical, and administrative safeguards, to ensure the confidentiality, integrity, and availability of your personal data.
3. 5.3  We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations.

Disclosure of Personal Data

1. 6.1  We may disclose your personal data to the following parties:

• Our affiliates, subsidiaries, and related entities
• Our service providers and vendors who provide services to us, such as IT support and debt collection agencies
• Credit bureaus, regulatory authorities, and law enforcement agencies, as required by law
• Any other person to whom you have authorized us to disclose your personal data

Myinfo Singpass Information

1. 7.1    If you choose to use Myinfo Singpass to apply for our loan products and services, we will collect and use your personal data in accordance with the Myinfo Terms of Use and the PDPA.
2. 7.2   We will only collect Myinfo Singpass information that is necessary for the purposes of verifying your identity, eligibility, and creditworthiness for loan applications.
3. 7.3   We will not use your Myinfo Singpass information for any other purposes without your consent, unless required or authorized by law.
4. 7.4  We will retain your Myinfo Singpass information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations.

Rights of Individuals

1. 8.1    You have the right to access and correct your personal data held by us, subject to certain exceptions and restrictions under the PDPA.
2. 8.2  You may also withdraw your consent for us to collect, use, or disclose your personal data at any time, subject to legal and contractual restrictions. However, if you do so, we may not be able to provide you with our loan products and services.
3. 8.3  If you have any questions or concerns regarding our collection, use, or disclosure of your personal data, or if you wish to exercise your rights under the PDPA, please contact our Data Protection Officer at info@quickloan.com.sg.

Updates to the Policy

1. 9.1  We may revise this Policy from time to time to reflect changes in our business practices, legal and regulatory requirements, or industry standards.
2. 9.2  The updated Policy will be posted on our website and will be effective upon posting.
3. 9.3  Your continued use of our website and our loan products and services after the effective date of the updated Policy constitutes your acceptance of the updated Policy.

Contact Us

1. 10.1    If you have any questions or concerns about this Policy or our data protection practices, please contact our Data Protection Officer at info@quickloan.com.sg.