This Privacy Policy describes in greater detail the privacy practices of us
If you have questions or complaints regarding our Privacy Policy or practices, please contact us.
We comply with the Singapore Data Privacy Act of 2012 in the practices we adopt to protect and use your information for the purpose of providing you the Services.
We collect information when you register or open an account, sign in, pay a bill, purchase a Service, call us for support, or give us feedback. We may also get information from other companies or third parties, such as when you sync a third party account, or when we may use service providers to supplement the PII you give us (e.g., validate your mailing address) to help us maintain the accuracy of your data and provide you with better service. Finally, we also collect content or other information that you may provide or create when you interact with our Services.
We may also automatically collect certain usage information when you access our Services (“Performance Analytics”), such as Internet Protocol (“IP”) addresses, log files, unique device identifiers, pages viewed, browser type, any links you click on to leave or interact with our Services, and other usage information collected from cookies and other tracking technologies. For example, we may collect IP addresses to track and aggregate non-personal information, such as using IP addresses to monitor the regions from which users navigate to our Services in order to maintain the integrity and security of your account. We may also collect IP addresses from users when they log into the Services as part of our log-in and security features. We may also, when you enable location-based Services, collect Global Positioning System (GPS) location data and/or motion data.
Our Services may change over time and we may introduce new features that may collect new or different types of information.
When you give us your personal information, we may use it:
You have the right at any time to prevent us from contacting you for marketing purposes. You can opt-out of promotional communications by following the unsubscribe instructions provided in each promotional email that we send to you. We may continue to send you administrative emails including, for example, periodic updates to this Privacy Policy, even if you indicate that you no longer wish to receive promotional email from us.
We will retain your personal information only for as long reasonably necessary for the purposes set forth above. We may retain your personal information for legitimate business purposes, if it may be necessary to prevent fraud or future abuse, if required by law, or as retained in our data backup systems or cached or archived pages. All of your personal information that we keep will continue to be subject to the terms of this Privacy Policy to which you have agreed.
“We might retain your information for research, including publishing or sharing aggregated information from many users, but anonymized so as not prevent identification of any person. Only in a way that would not allow you or any other person to be identified, we may prepare and share information about our customers with third parties, such as advertisers or partners, for research, academic, marketing and/or promotional purposes. For example, we may share demographic data that describes the percentage of our customers who use mobile services or who use a particular operating system. We or our third party partners may publicly report the aggregated findings of the research or analysis, but only in a way that would not allow you or any other person to be identified.“
Third Party Service Providers. We may share your information, including PII and Performance Analytics, with third party service providers who perform various functions to enable us to provide our Services and help us operate our business, such as website design, sending email communications, fraud detection and prevention, customer care, or performing analytics. Our contracts with these third parties require them to maintain the confidentiality of the PII we provide to them, only act on our behalf and under our instructions, and not use PII for purposes other than the product or service they’re providing to us or on our behalf.
Response to Subpoenas and Other Legal Requests. We operate under the laws of Singapore. We may share your information with courts, law enforcement agencies, or other government bodies when we have a good faith belief we’re required or permitted to do so by law, including to meet national security or law enforcement requirements, to protect our company, or to respond to a court order, subpoena, search warrant, or other law enforcement request.
We may share account information, PII and Performance Analytics when we believe it is appropriate to enforce or apply our products’ Terms of Service and other agreements; or protect the rights, property, our Services, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. This does not include selling, renting, sharing, or otherwise disclosing PII of our customers for commercial purposes in violation of the commitments set forth in this Privacy Policy.
Sale of Our Business. If we sell, merge, or transfer any part of our business, we may be required to share your information. If so, you will be asked if you’d like to stop receiving promotional information following any change of control.
With your Consent. Other than as set out above, we will provide you with notice and the opportunity to choose when your PII may be shared with other third parties.
You may choose to sync certain with information from other financial accounts. To sync your financial account information, we must access your online account with your financial institution. We will request and help you set up auto email forwards from your systems and bank accounts into our system so that we can automate the delivery of the Service to you. We will request your user name, password, and any other login data that you have set up with your financial institution to enable access. We may also request your completion of GIRO forms to enable bank transactions. We use this information to update and maintain the account information you download, to assist with the download process, and to enhance the Services we may provide in the future.
We work with other companies or developers to offer you products and services and you may choose to sync, link or connect other third party services. Sometimes we may let you know about the service or product, or another company may let you know about a service or product. It will be clear who is referring the service or product, and who is providing the service or product. If you choose to accept these services, providing your consent to either the third party or to us, we may exchange your information, including your PII, as well as information about how you interact with each company’s service or product. This exchange of information is necessary to maintain business operations and to provide the ongoing service you’ve requested. By requesting or accepting these products or services, you are permitting us to provide your information, including your PII, to the other party.
We may work with some partner firms including technology, accounting, tax and audit firms, in order to provide you certain Services. We ensure that these partner firms comply with our Terms of Service and Privacy Policy. Where they do not, we ensure that their privacy policy is substantially similar to ours. You hereby consent to give us the right, power, and authority to act on your behalf to access and transmit to them information from your financial accounts that may be held with these partner firms or with us.
3 WHAT YOU CAN DO TO MANAGE YOUR PRIVACY. You can view and edit information that identifies you online through your Service. How you can access and control information that identifies you will depend on which Services you use. You have a choice about the use of information that identifies you, marketing communications you receive from us, and our use of cookies and other tracking technologies
In accordance with applicable law, our service providers may use commonly-used tools to recognize your visit and track your interactions with our Services such as cookies, web beacons, pixels, local shared objects, and similar technologies (collectively, “Cookies”). Sometimes this tracking is necessary in order for us to provide you the Service you requested. Other times, we combine Performance Analytics collected from Cookies with that of other customers to improve your and other customers’ experience. Information on changing your browser settings to opt out of Cookies can be found in your browser settings. If you opt-out and later delete your Cookies, use a different browser, or buy a new computer, you may need to renew your opt-out choices.