Referall Privacy Policy
Introduction
Referall ("Referall", "we", "us", "our") is fully committed to safeguarding the privacy of its users, online and otherwise, and the success of our business depends on our ability to maintain the trust of our users.
As an individual who is a user of our website, or otherwise a user of the services provided by Referall, this Privacy Policy is intended to describe:
- the information we collect about you;
- how that information may be used;
- with whom it may be shared;
- how you may access the information you provide us;
- your choices about such uses and disclosures; and
- how you can contact us for matters relating to your personal information.
This Privacy Policy applies to our website and other services we offer, and all Referall Group companies, including [Referall's Legal Entity, e.g., Referall Pte. Ltd.]. This policy also applies to all Referall employees and job candidates who apply to any of the Referall Group companies.
This Privacy Policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and your consents herein are additional to any rights which any of the Referall Group companies may have at law to collect, use or disclose your Personal Data.
This Privacy Policy uses the standard of the PDPA (Personal Data Protection Act) for Singapore users, the prevailing privacy law in Singapore.
Information Collection And Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Use of our website construes acceptance, and authorization thereof, of the practices described in this Privacy Policy. We encourage you to read this Privacy Policy carefully when using our websites, services or transacting business with us.
Information We Collect About You
1. In General
We may collect personal information that can be used to identify you, including, but not limited to, name, residential address, identification and/or passport number, date of birth, email address, employment details, and information relating to financial circumstances (collectively "Personal Information"). We also collect traffic patterns relating to users on our website.
When you provide personal information, through our websites or through other channels such as phone, email, SMS, WhatsApp, and other messaging and information sharing services, the information may be sent to servers located in Singapore and other countries around the world.
By providing this information you consent to the following:
- You are authorized to provide this information, in case you are providing this information on behalf of an entity other than yourself
- The information you provide is accurate to the best of your knowledge
2. Information You Provide
We may collect and store any personal information you enter on our websites or otherwise provide to us through other channels, like phone, email, SMS, WhatsApp, and other messaging and information sharing services.
This includes, but is not limited to, the following:
- Identifying information (such as your name, ID/IC/passport number, ID/IC/passport document soft copies, home or mailing address, e-mail address and telephone/mobile number)
- Information about your product needs, your financial and loan information (such as your income, assets or debts)
- Other personal information (such as your gender and date of birth, number of dependents, marital status, nationality, etc.)
The specific data we collect within the context of the above includes, but is not limited to, the following:
- Full name
- Mobile telephone number
- Personal email address
- Residential address
- Personal documents required for the application of Products with Third-Party Providers
- Financial product information, including, but not limited to, details of current loan amounts or insurance coverage
We may collect and hold personal data of persons/entities including, but not limited to, the following:
- All Users
- Entities related to the User, for example, family members or co-applicants
- Job applicants
- Employees
- Service providers
- Other people who we may come into contact during the course of operations.
This information might be collected in various ways including, but not limited to, through use of our website, via the various forms, email marketing campaigns, customer web surveys, third-party web-pages, SMS, WhatsApp, and other messaging services.
3. Information from Other Sources
We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties, including but not limited to banks, financial institutions, and other service providers and websites. Examples of such information include, but are not limited to, contact details, application status, and additional demographic information.
Referall does not pull a credit bureau report on users without permission.
4. Information About Others
We may also collect and store personal information that you provide to us about other people (such as co-applicants, family members, dependents), including their name, IC/ID/passport number, address, phone number, financial information or other personal information.
5. Use of Cookies and Other Technologies to Automatically Collect Information
We use various technologies to collect information about your activities on our websites. We automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us, and the referring website address.
Cookies: A cookie is a text file stored on your computer. When you visit our websites, we may assign your computer one or more cookies to facilitate access and personalize your experience. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit or the links you click. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies.
Other Technologies: We may use other standard technologies, such as web beacons, to track your usage of our website or in promotional e-mail messages to determine whether messages have been opened and acted upon. This enables us to customize our services, deliver targeted advertisements, and measure the effectiveness of our online activities.
6. Information Collected by Third Parties
We may allow third parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our websites. These companies may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements.
Other third parties, like our authorized service providers and Third-Party Provider partners (e.g., banks, insurers, financial institutions), may also collect your personal data to provide you with the best possible customer experience. This might be done to establish and verify your identity in the process of fulfilling our service obligations to you, and to facilitate the servicing of products that you have expressed an interest in.
How We Use The Information We Collect
We may use information that we collect about you to:
- deliver the products and services that you have requested (e.g., facilitate referrals to Providers);
- manage your User relationship and provide you with customer support;
- manage your participation in our Referral Program, including the crediting and redemption of Referral Coins;
- perform research and analysis about your use of, or interest in, our products, services, or content;
- communicate with you by e-mail, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you, either from us, other Referall Group companies or other third parties;
- develop and display content and advertising tailored to your interests on our websites and other websites;
- verify and establish your identity;
- verify your eligibility and deliver prizes in connection with promotions and contests;
- enforce our Terms of Use;
- where information is to be disclosed to law enforcement agencies and other relevant authorities for crime prevention and detection purposes;
- manage our business; and
- perform functions as otherwise described to you at the time of collection.
1. Financial Information
We may use financial information that you provide to us directly or is provided to us via third-parties, to match you with Third-Party Providers, to provide Providers' conditional offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.
With Whom We Share Your Information
We do not share your personal information with others except as indicated below, or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share all types of personal information with:
1. Authorized service providers
We may share your personal information with our authorized service providers that perform certain services on our behalf. These service providers include, but are not limited to, data providers, technology providers, marketing and customer services firms, as well as companies that support contests, surveys, or other features offered through our websites.
2. Business partners
When you express interest in products, services or promotions offered through our websites, we may share your expression of interest with the businesses with which we partner to offer you those products, services, or promotions. When you elect to engage in a particular offer, you authorize us to provide your e-mail address and other personal information to those businesses.
3. Third-Party Providers and Partners
If you submit a completed Referall form or application request, we may share your personal information with the Third-Party Providers (such as banks, insurers, or other service providers) on the Referall network with whom you are or may be matched. We might also be required to share aggregated and anonymized data with investors or auditors.
4. Other Referall Group Businesses
We may share information we collect, including your personal information, with other Referall Group companies. This enables us to provide you with information about a variety of products and services that might interest you. All Referall Group companies comply with this Privacy Policy and applicable privacy laws.
5. Other Situations (Legal Reasons)
We may also disclose your information:
- In response to a subpoena, court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; or to defend against legal claims.
- When we believe disclosure is appropriate in connection with efforts to investigate or prevent illegal activity, suspected fraud, or other wrongdoing; to protect the rights, property or safety of our company, our users, or our employees; or to enforce our websites' terms and conditions.
- In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.
Any third parties to whom we may disclose personal information may have their own privacy policies. Their policies will govern the use, handling and disclosure of your personal information once we have shared it with them.
Aggregated and Non-Personal Information
We may share aggregated information (i.e., information about you and other users collectively, but not specific enough to identify you) and other non-personal information we collect. We may share this with third parties and Referall Group companies to develop and deliver targeted advertising.
Your Rights and Choices
Third-party websites
There are a number of places on our websites where you may click on a link to access other websites that do not operate under this Privacy Policy (e.g., our Third-Party Providers). These third-party websites may independently solicit and collect information from you. We recommend that you consult the privacy statements of all third-party websites you visit.
Consent
Generally, when Referall requests Personal Information in the course of providing you a service and you provide us with such Personal Information, there is implied consent that you agree to provide us with your Personal Information. In some circumstances, we will seek your express consent when collecting your Personal Information.
By providing Personal Information relating to a third party (such as your spouse or children) to us, you represent and warrant that the consent of that third party has been obtained for the collection, use and/or disclosure of the Personal Information for the purposes listed here.
You may withdraw your consent at any time by contacting us. However, please note that if you withdraw your consent, this may affect the way in which Referall is able to provide its services to you.
Retention of Information
Personal Information will be held for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable law. Referall shall cease to retain Personal Information as soon as it is reasonable to assume that the purpose for which it was collected is no longer valid and retention is no longer necessary for legal or business purposes.
Accuracy of Information
Referall endeavours to ensure that your Personal Information is as accurate and up-to-date as possible. You may contact us at any time if you wish to correct, amend or update your Personal Information. Please contact our Data Protection Officer for this purpose at contact@referall.sg.
Access Rights
You are entitled to certain access rights to your Personal Information. To make a request, please contact our Data Protection Officer at contact@referall.sg. Your request will be acknowledged and acted upon generally within thirty (30) days of receipt. Please note that Referall is entitled to charge a reasonable administrative fee for this service.
Other Important Information
How We Protect Your Personal Information
At Referall, your personal data is treated with the utmost respect and care. This Policy outlines how Referall manages the personal data we hold in compliance with the Personal Data Protection Act in Singapore.
Referall has in place various security procedures, technical and organisational measures to safeguard your Personal Information. We have in place robust firewalls and security measures to protect against external attacks.
We use all reasonable efforts to safeguard your Personal Information. However, you should be aware that the use of the Internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any Personal Information which is transferred from you or to you via the Internet. Referall Group companies do not hold responsibility for any data leaks or situations where your personal information might be compromised through systems of our third-party service providers.
Job Applicants and Employees
If you apply for a job with Referall, we will collect personal data you include in your CV and during your interview. We will use such personal data only for the purpose of deciding whether or not to hire you. If you accept an offer of employment, we will ask you to provide additional personal data as needed for the purpose of managing and terminating the employment relationship.
Exercising your rights
Verifying your identity: To be informed of the personal data we possess, a verification of identity will be required of the party requesting the information.
Withdrawal of Consent: To make a request to withdraw consent previously given, please contact our Data Protection Officer at contact@referall.sg.
Filing a complaint: To make a complaint, please contact our Data Protection Officer at contact@referall.sg.
Visiting Our Website From Outside Singapore
This Privacy Policy is intended to cover collection of information on our websites from residents of Singapore. If you are visiting our websites from outside Singapore, please be aware that your information may be transferred to, stored and processed in Singapore where our servers are located. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.
Changes to this Privacy Policy
We will occasionally update this Privacy Policy. When we post changes, we will revise the "last updated" date at the top of this policy. If we make any material changes in the way we collect, use, and/or share personal information, we will notify you by prominently posting notice of the changes on our websites.
Contacting Us
If you have any comments and/or questions about this Privacy Policy or if you wish to make a specific complaint, please contact us as follows: