Privacy Policy

Last Updated : 20 March 2023

This Privacy Policy (the "Policy") outlines how Uniqcash Pte. Ltd. ("we", "us", or "our"), a licensed moneylending company registered in Singapore, collects, uses, and protects the personal information you provide when using our website, (the"Website"), and any associated services.
By using the Website and our services, you consent to the collection, use, and disclosure of your personal information in accordance with this Policy. If you do not agree with the terms of this Policy, please refrain from using our Website and services.

Information We Collect
We may collect and process the following types of personal information about you:
a. Personal identification information: Name, identification number, date of birth, nationality, etc.
b. Contact information: Address, email address, phone number, etc.
c. Employment and income information: Occupation, employer, salary, etc.
d. Financial information: Bank account details, credit history, etc.
e. Technical data: IP address, browser type and version, time zone, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our Website.
f. Usage data: Information about how you use our Website and services.
g. Marketing and communication preferences: Your preferences in receiving marketing from us and our third parties and your communication preferences.

How We Collect Information
We collect your personal information through various channels, including:
a. Directly from you: When you fill out application forms, provide required documents, or contact us through various means such as phone, email, or live chat.
b. Automatically: As you interact with our Website, we may automatically collect technical data and usage data.
c. From third parties: We may receive personal information from third parties such as credit bureaus, financial institutions, and other service providers.

How We Use Your Information
We use your personal information for the following purposes:
a. To process your loan application and provide our services.
b. To manage our relationship with you, including notifying you about changes to our services or terms and conditions.
c. To verify your identity and conduct credit checks.
d. To comply with regulatory requirements and applicable laws.
e. To improve our Website, products, and services.
f. To communicate with you about our services, promotions, and other relevant information.
g. For other purposes for which we have obtained your consent.

Disclosure of Your Information
We may share your personal information with the following categories of recipients:
a. Third-party service providers that support our business operations, such as credit bureaus, collection agencies, and payment processors.
b. Regulatory authorities, law enforcement agencies, and other government bodies when required by law or when necessary for the protection of our legitimate interests.
c. Prospective buyers, in case of a merger, acquisition, or other corporate transaction involving our business.

Security of Your Information
We take appropriate security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We maintain physical, electronic, and procedural safeguards to secure your personal information. Retention of Your Information We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal requirements, and resolve disputes. After this period, we will securely delete or anonymize your personal information.

Your Rights
You have certain rights regarding your personal information under Singapore's Personal Data Protection Act, including:
a. The right to access your personal information.
b. The right to correct or update your personal information.
c. The right to request the deletion of your personal information.
d. The right to object to or restrict the processing of your personal information in certain circumstances.
e. The right to withdraw consent, where the processing is based on your consent.
f. The right to lodge a complaint with the Personal Data Protection Commission in Singapore if you believe that your rights have been violated.

To exercise any of these rights, please contact our Data Protection Officer using the contact details provided below.

Third-Party Links
Our Website may contain links to other websites operated by third parties. We are not responsible for the privacy practices or content of those websites. This Privacy Policy applies only to our Website and services. We encourage you to review the privacy policies of any third-party websites you visit.

Changes to Our Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any changes will be effective immediately upon posting the updated Policy on our Website. Your continued use of our Website and services following the posting of changes constitutes your acceptance of such changes.

Contact Us
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact our Data Protection Officer:
Uniqcash Pte. Ltd. 7A Trengganu St. 058461