PRIVACY POLICY AND DATA PROTECTION NOTICE
For the purposes of this Privacy Policy, “CrediLinq”,“we”, “us” and “our” refers to CrediLinq A.i Pte. Ltd and its related companies and affiliates operating in the capacity of a data controller or a data intermediary and “you”, “your” or “yours” means the natural persons to whom this Privacy Policy applies.
At CrediLinq, we respect your personal data and we strive to ensure that your personal data is protected. The security of your personal data is important to us and we shall maintain appropriate physical, technical and organizational measures needed to ensure the security and confidentiality of your personal data. This Privacy Policy outlines how CrediLinq collects, uses, maintains and discloses your personal data in respect of our services and how CrediLinq safeguard the personal data.
This website, mobile applications (if any), and related portals for loan applicants and platform partners (collectively, the “Sites” and “Platform”) are operated by CrediLinq A.i Pte. Ltd and its affiliates.
1. Your Agreement and Consent
This Privacy Policy governs your use of the Sites and Platform. By using the Sites or registering for an account, you confirm you agree with all the terms of this Privacy Policy, you accept these Terms and you acknowledge that this Privacy Policy will bind you, subject to the terms herein. By continuing to use the Sites or our services, you agree to be bound by these Terms.
2. Collection of Personal Data
We collect several different types of information for various purposes to provide and improve our Service to you.
2.1
You may be asked, may have supplied, and may continue from time to time to provide, information, including but not limited to, information to establish your identity, background (including your images), addresses, contact numbers, email addresses, IP addresses, operating systems, browser types, contact details, financial data, bank information, creditworthiness information, payment information, financial transactional information, audio recordings and other information and data generated or that you provide when you use our Site or Platform and/or apply for any of our products and/or services (“Personal Data”).
2.2
We may collect and obtain Personal Data from you or from variety of sources, including but not limited to your submission of Personal Data when you use the Site and/or Platform and/or apply for any of our, or our partner’s, products and services; from your relationship with us; from any analysis of the way you use and manage your account/facility with us; from publicly available sources or registries; from government authorities, regulatory authorities and/or law enforcement agencies; from third parties or other sources in respect of which you have given your consent to disclose the Personal Data and/or where not otherwise restricted; from meetings, events, seminars, conferences, talks, road shows, surveys organized or sponsored by us; and/or from any information that is supplied and/or collected when you visit our websites which include your mobile device or computer's IP address or from any information that is collected via cookies on some of our websites.
2.3
We use cookies for number of purposes, including but not limited to, storing your preference for certain types of information or products, for further analysis to provide products and services to you, to improve our products and/or to personalize our services to you. You may adjust the settings on your browser and/or mobile device so that you will be notified when you receive cookies or other similar tracking tools. Please refer to your browser documentation to check if the tracking tools have been enabled on your computer and/or mobile device or to disable cookies if you do not wish to have information collected via the use of cookies.
2.4
You have the choice, at any time, not to provide your Personal Data to us, however, failure to provide your Personal Data to us may result in CrediLinq being unable to provide you with our products and services.
3. Usage of Personal Data
During the course of our service, we may utilize, process and/or disclose your Personal Data for the following purposes in and/or outside Singapore (“Permitted Purpose”):
3.1
to assess and process your applications for our products and/or services;
3.2
to communicate with you including responding to your enquiries and/or complaints and resolving disputes;
3.3
to manage and maintain your accounts/facilities with us;
3.4
to conduct credit checks to assess or verify your credit/financial worthiness and to assist other financial institutions to conduct credit checks;
3.5
to facilitate and process your financial and transactions with your payee/payor or through a payment channel;
3.6
to evaluate your financial needs;
3.7
to utilize the same for strategic alliances, cross selling, marketing, and promotions;
3.8
to maintain your credit history for present and future references;
3.9
to detect crime or fraud, and to utilize and disclose the same for investigation, prevention, prosecution and compliance with sanctions, including know your customer (KYC) and regular politically exposed persons (PEP) screening purposes;
3.10
to respond to the requirements of a civil or criminal legal process and/or for regulatory compliance purpose and/or as required by law or regulation (including Singapore, the United States of America and European Union member states);
3.11
to collect any debt due or owing and to enforce your obligations to us;
3.12
to utilize and disclose the same for market research and statistical analysis and surveys with the aim of improving our products and services and product development;
3.13
to provide you with the information on our and third-party products and services which may be of interest to you;
3.14
to compare information/data for accuracy of our record, and to verify the same with third parties;
3.15
to utilize the same for research, design and improvement of our products and services, operational and business processes;
3.16
to support our business, financial and risk monitoring, planning and decision making;
3.17
to handle complaints and queries;
3.18
to utilize and disclose the same for audit, compliance and risk management;
3.19
to transfer or assign our rights and duties under any governing terms and conditions between us and yourself;
3.20
to utilize the same for our outsourcing of business and back room operations;
3.21
to utilize and disclose the same for security reasons;
3.22
to utilize the same to carry out cross-marketing activities, which includes promoting and advertising products or services to you that are related to or complementary with CrediLinq’s and our partners’ products and services;
3.23
to transfer your Personal Data to foreign jurisdictions outside of Singapore to enable any cross-border transactions, for the performance of a contract, for the purposes of legal proceedings, upon written request from a foreign regulatory or government authority or body, to protect your vital interest or where it is in the public interest to do so; and/or
3.24
for any other purposes that is required or permitted by any law, regulation, order and/or guidelines.
4. Disclosure of Personal Data
Your Personal Data held by us shall be kept confidential at all times. However, in order to provide you with effective and continuous products and services subject to any laws, regulations and guidelines and for the Permitted Purpose, we may need to disclose your Personal Data to the following parties:
4.1
CrediLinq’s agents, holding companies, subsidiaries, affiliates and associates;
4.2
professional advisers, contractors, service providers, debt collection agencies and our other agents with whom we have contractual agreements for some of our functions and services;
4.3
credit bureau, credit reporting agencies, credit reference agencies, rating agencies, insurers and/or insurance brokers;
4.4
financial service providers in relation to the products and services that you have with us;
4.5
any actual or potential participants or assignee or transferee of our rights and/or obligations under any transaction between us and you;
4.6
any guarantor or security provider for the products and/or services granted by us to you;
4.7
any authorities or regulators, including foreign regulators for the performance of their functions, or any party as required by any law or any government, quasi-government, administrative, court or tribunal;
4.8
strategic/business partners with whom we have a relationship with for specific products and services;
4.9
any person connected to the enforcement or preservation of any of our rights under your agreements with us; and/or
4.10
any party authorized and/or consented by you.
5. Changes to Personal Data
You are entitled to review the Personal Data that we have collected about you and request for corrections to the Personal Data. If there are any changes to your Personal Data or if you believe that the Personal Data we held about you is inaccurate, incomplete, misleading or not up-to-date, kindly write in to us or email your request by setting out your name and NRIC/Passport number/Company registration number, the details of your request, together with the supporting documents to:
CrediLinq reserves the right to charge a fee for this service. We shall correct or update the information/data as soon as possible. For the avoidance of doubt, the Data Officer may request Privacy Policy And Data Protection Notice Aug 2025 information or documents from you to verify your identity and the authenticity of the request made and any other information relating to the corrections requested.
6. Removal of Personal Data
The consent that you have provided us for the collection, usage and disclosure of your Personal Data shall remain valid until such time it is being withdrawn by you in writing. We allow you the opportunity to remove your Personal Data (save for the information which is necessarily retained by us to comply with legal or regulatory requirements, storage purposes, or if there are valid grounds under the law to do so, such as legal claims etc.) from our database or to request for us to cease processing all or part of your Personal Data by giving a written instruction to our Data Officer.
We will require a reasonable amount of time to process such notices. Please note that after deleting your Personal Data, we may not be able to provide the same level of service to you as we will not be aware of your preferences. We reserve the right to take necessary actions if we feel that such removal or cessation would not allow us to provide our products and services or fulfill our obligations in a satisfactory manner. This includes our entitlement to refuse to provide or cease providing any facilities, products or our services to you.
Where you have requested that we remove or cease the usage of your Personal Data that we have made public and there are valid grounds for such removal or cessation, we will use reasonable and cost- effective steps to inform others that are displaying your Personal Data or providing links to the Personal Data to remove the same.
7. Retention of Personal Data
We may retain your personal data for as long as it is necessary to fulfill the purpose for which it was collected, or as required or permitted by applicable laws. We will cease to retain your personal data, or remove the means by which the data can be associated to you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, as is no longer necessary for legal or business purposes.
8. Security
We will take reasonable efforts to protect personal data in our possession or our control by making reasonable security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. However, we cannot completely guarantee the security of any personal data we may have collected from or about you. For example, that no harmful code will enter our website (for example viruses, bugs, trojan horses, spyware or adware).
9. Transfer of Data
Your Personal Data may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside Singapore and choose to provide information to us, please note that we may transfer the data, including Personal Data, to Singapore and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
CrediLinq will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.
10. Portability
You have the right to receive your Personal Data which you have provided to us in a structured, commonly used and machine-readable format and you have a right to request that we transfer such Personal Data to another party.
If you wish for us to transfer the Personal Data to another party, we can only do so where it is technically feasible. We are not responsible for the security of the Personal Data or the processing of the same once received by a third party. CrediLinq reserves its right to refuse the transfer if such transfer would interfere with another person’s rights (e.g. where providing the Personal Data we hold about you would reveal information about another person).
11. Profiling
We may process some of your data automatically, with the goal of assessing certain personal aspects (profiling). For example, we may use profiling due to certain legal and regulatory requirements, to combat money laundering, terrorism financing, fraud, assessment of risk and offences that pose a danger to assets.
12. Our Policy on Do Not Track Signals under the California Online Privacy Protection Act (CalOPPA)
If you are in California, we do not support Do Not Track (DNT). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
13. Links to Other Sites
Our services may contain links to other sites that are not operated by us. If you click 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 content, privacy policies, or practices of any third-party sites or services.
14. Enquiries and Complaints
You have the right to object at any time to the processing of your Personal Data for direct marketing
purposes, and profiling to the extent related to direct marketing and to the extent permitted under the
Singapore law, and to the processing of your personal data for the Permitted Purpose. Any queries,
requests, concerns, complaints or exercise of your rights regarding the use of your Personal Data may be
raised to the respective Data Officer below:
Tel: +65 8332 7436
Email: operations@credilinq.ai
In applying for, using or continuing to use our services, including any other contractual relationship which you may have with us, you shall be deemed to have accepted and consented to the terms of this Privacy Policy And Data Protection Notice Aug 2025 PDP Notice. If you do not consent to the terms herein, kindly contact us at the above mentioned contact details.
15. Children’s Privacy
Our Service does not address anyone under the age of 18 (Children).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
16. Changes to the Privacy Policy
Please note that we may update this Privacy Policy from time to time via posting on our website. You are advised to periodically view our website for any updates or the most current version of our Privacy Policy. Your continued usage of our services or continued relationship with us shall be deemed as acceptance of any updates, revisions or amendments made to our Privacy Policy.
17. Consent and Acknowledgement
By providing us with your Personal Data, you hereby consent to the usage, processing and/or disclosure of your Personal Data in accordance with this Privacy Policy. If you are a corporation whereby you have provided/disclosed Personal Data of individual third parties including but not limited to your directors, individual shareholders, employees, authorized signatories, agents, representative or otherwise, you hereby represent and warrant to us that you have the consent of such third parties and are entitled to provide their Personal Data to us to be used, processed and/or disclosed in accordance with this Privacy Policy.
18. Cookies Policy
As part of the data collection process, CrediLinq may use Cookies and any other similar technologies to collect your information when you visit or use our Site and website at https://credilinq.ai/ including other channels such as mobile application as part of further improving our Site and your experience in using our Site.
What are Cookies?
Cookies are a type of file in the form of text. Cookies are created by the server when the user accesses the website and the server records it in your browser. The content of such Cookies are reviewable and readable by the server that creates such Cookies and such content shall be returned to the website in each access. The Cookies consist of identifiable information, website name, numbers and letters which collect information about your behaviour and preferred selection performing in the browser.
Most of the browsers support Cookies, however, you can adjust the setting of the browser to stop the use of cookies or the sending of information of some types of Cookies and/or deleting information contained in the Cookies any time.
Why are Cookies used?
CrediLinq uses Cookies on Site to collect information from the visitor and user on Site so that we are able to understand your purpose for use of and relationship to content on the Site for better management and improvement of your user experience.
What kind of Cookies is used by the Company?
During your access or use of Site, you may find us using the following Cookies:
A. Cookies for Advertising
Cookies for advertising are recorded on your browser by the ad servers for the purpose of presenting and advertising products and services to you. The ad server uses this kind of Cookies to collect your information when you access the Site and selects the right advertising to propose to your browser, It may also collect information whether such advertising is viewed by you or not. Cookies may use information forwarded from online newsletter and content collected from the server in order to provide a deeper understanding of the user and serve the purpose of adjustment of website and advertising campaign suitable for your interest.
B. Cookies for Analysis of Performance
Cookies for analysis of performance detect what the users/visitors view on the Site and how the users/visitors respond to the Site. This type of Cookies collect information that allows CrediLinq to know the aspect of performance and features in the Site that perform best, and the aspect of performance and features that should be adjusted for the Site to work better. This type of Cookies assist CrediLinq to measure the performance such as processing numbers of activities being used by you, numbers of specific aspects of such group of users which such information shall be used to analyze the user behaviour.
C. Permanent Cookies
Permanent Cookies of CrediLinq are necessary Cookies in the Site in order for the Site to perform normally.
In the event where there are no Cookies of the owner of the Site, or you elect for the Cookies to stop performing on your browser, it shall cause impact to the Site to perform normally.
D. Cookies for Record of Performance and Customized Setting of the User
This type of Cookies are used for the Site to record the visitors/users on the Site including setting of the visitor/user on the Site. This type of Cookies shall be used to record viewed history of the websites made by the user and record setting and preference of the user each time when they visit the website then if they revisit, the setting will not be reset, for example, language setting or size of letters shown in the website.
E. Security Cookies
Security Cookies are used to identify and protect against security risk. CrediLinq shall use Cookies to identify users and protect the user and rights / services of the user from any person who may use the user’s data in an illegitimate or unauthorized manner.
F. Cookies for Site Management
This type of Cookies are used for the Site to know and identify you and your information from time to time when you use the services on the Site in order to protect you from being disconnected from the Site without your knowledge. Once you disabled these types of Cookies, all other Cookies are disabled simultaneously.
G. Third Party Cookies
Our Site may contain some links to websites or platforms operated by third parties. For example, e-commerce marketplaces such as Lazada, Amazon, Shopee, Shopify, TikTok; Perfios; MyInfo Biz and MyInfo; and Experian – if applicable. These third party websites and cookies are customized and managed by the respective third party. Therefore, the third party cookies are not subject to our control and we shall not be liable for any negative impact of the third party cookies. In addition, we encourage you to carefully review the cookies policies by such third parties.
Change your Cookies Setting
If you intend to close and delete permission to use Cookies of the third party to use in the Site or Platform, you can implement such action by following the instruction stipulated by each browser.
Other website Data Protection
This website may have connectors to other websites if you press a link to the other website which allows third parties to collect and disseminate your data. CrediLinq does not control other websites and has no responsibility towards the privacy policy on such websites. Once you exit the Site, CrediLinq suggests you read the privacy policy of every website you access.
Please note that collection of data via Cookies entails collection of some privacy data (as explained above). Therefore, the use of Cookies for collection of privacy data shall be under the provision and privacy policy of CrediLinq. You shall consider details relating to the protection of data privacy protection in privacy policy.
