Privacy Policy

Last updated 18 November 2022

1. Collection of Information

1.1

For the purposes outlined in Clause 2, we may collect and process the following information about you:

Information you give us – information that you provide us (which may include your name, address, email address, telephone number, credit card information and other personal description) by filling in forms, or by corresponding with us (by phone, email or otherwise), for example:

when you register an account with us;
when you apply for a credit facility with us;
when you report any problem to us;
when you use certain features;
when you request any support from us; or
when you complete any survey or questionnaire we send you.

information we collect about you – information automatically collected when you visit www.poss.sg, for example:

technical information, including the Internet protocol (IP) address used to connect your computer to the internet and your log-in information, browser type and version and operating system and platform;
details of any transactions you made on our Site; and
information about your visit, including the full Uniform Resource Locations (URLs), products you viewed or searched for, page response times, length of visits to certain pages, methods used to browse away from the page and any phone number used to call our customer service number or any communication on any other applications.

Information we receive from third parties – We work with third parties and we may receive information about you from them, for example, business partners, technical, payment and delivery services, advertising networks, analytics providers, search information providers or credit rating agencies.

1.2

We only retain personal data for so long as it is necessary. Data may be archived as long as the purpose for which the data was used still exists.

2. Uses made of the information

2.1

We use information held about you for the following purposes:

providing, improving and developing our services;
researching, designing and launching new features or products;
collecting overdue amounts;
for direct marketing purposes;
purposes directly related or incidental to the above.

2.2

We intend to use your personal data in direct marketing (i.e. offering or advertising products or services by sending the relevant information directly to you). We require your consent specifically for this purpose and you may opt out any time. For the purpose of this clause:

3. Disclosure of information

We will keep your personal data we hold confidential but you agree we may provide information to:

any member of our group, which includes our subsidiaries, our ultimate holding company and its subsidiaries, as defined in Section 5 of the Companies Act (Chapter 50);
personnel, agents, advisors, auditors, contractor, financial institutions and services service providers in connection with our operations or services (for example staff engaged in the fulfilment of your order, the processing of your payment and the provision of support services);
our overseas offices, affiliates, business partners and counterparts (on a need-to-know basis only);
persons under a duty of confidentiality to us;
persons to whom we are required to make disclosure under applicable laws and regulations; or
actual or proposed transferees of our operations (or a substantial part thereof).

4. Cookies

4.1

Our Site uses cookies to distinguish you from other users of the Site. This helps us to provide you with a good experience when you browse our Site and also allows us to improve our Site.

4.2

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive.

4.3

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you do so, you may not be able to access all or parts of our Site.

5. Third party web services

We may use third-party web services on our Site. The service providers that administer these services use technologies such as cookies. web server logs and web beacons to help us analyse how visitors use our Site and make the information displayed on it more relevant to your interests. The information collected through these means (including IP addresses) is disclosed to these service providers. These analytics services may use the data collected to contextualise and personalise the marketing materials of their own advertising network.

6. Third party sites

Our communication with you may from time to time contain links to third-party websites over which we have no control. If you follow a link to any of these websites, please note that they have their own practices and policies. We encourage you to read the privacy policies or statements of these websites to understand your rights. We accept no responsibility or liability for any practices of third-party websites.

7. Security

7.1

All information you provide to us is stored on our secure servers.

7.2

We restrict access to personal information to our employees, service providers and contractors on a strictly need-to-know basis and ensure that the persons are subject to contract confidentiality obligations.

7.3

We review our information collection, storage and processing practices from time to time to guard against unauthorised access, processing or use.

7.4

Please note, however, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site

8. Data Transfer

8.1

The data that we collect from you may be transferred to, and stored at a destination outside of Singapore. It may also be processed by persons referred to in Clause 3.

8.2

By submitting your personal data, you agree to this transfer, storing or processing of data outside Singapore. We will take all steps reasonably necessary to ensure that your data is treated securely in accordance with this privacy policy.

9. Your rights

9.1

You have the right to:

check whether we hold personal data about you;
access any personal data we hold about you; and
Require us to correct any inaccuracy or error in any personal data we hold about you.

9.2

Any request under 9.1 may be subject to a small administrative fee to meet any cost in processing your request.

10. Changes to our privacy policy

We may amend this policy from time to time by posting the updated policy on our Site. By using the Site, you agree to be bound by the revised policy.

11. Contact us

If you have any questions, comments or requests regarding personal data, please address them to contact@poss.sg.