Soon Seng Credit Pte Ltd
 (UEN: 201901887G)

Effective Date: 15 January 2019

Soon Seng Credit Pte Ltd (“Soon Seng Credit”, “we”, “our”, or “us”) values your privacy and is committed to safeguarding your personal data. This WhatsApp Privacy Policy explains how we collect, use, disclose, retain, and protect the personal information you provide when communicating with us through our official WhatsApp Business account.

This policy is intended to comply with the Singapore Personal Data Protection Act 2012 (“PDPA”) and should be read together with our general Privacy Policy available on our website.

By contacting us through WhatsApp, you acknowledge that you have read and understood this policy and consent to the collection, use and disclosure of your personal data in accordance with this policy.

1. Types of Personal Data We Collect

Depending on the nature of your enquiry or interaction with us through WhatsApp, we may collect personal data including, but not limited to:

Identification and Contact Information

This may include:

• Full name
• Mobile telephone number
• Residential address
• NRIC or FIN (where required)
• Email address
• Date of birth
• Employment information
• Other identification information voluntarily provided

Financial Information

Where applicable, we may receive information such as:

• Income details
• Employment particulars
• Banking information
• Loan application information
• Supporting financial documents
• Repayment-related information

Communication Information

We may retain information relating to your communications with us, including:

• WhatsApp messages
• Voice messages
• Images
• Documents
• Files
• Attachments
• Customer service enquiries
• Other correspondence submitted through WhatsApp.

2. How We Use Your Personal Data

The personal data collected through WhatsApp may be used for purposes including:

• Responding to your enquiries.
• Processing loan enquiries or applications.
• Verifying your identity.
• Communicating updates relating to your account or application.
• Providing customer support.
• Scheduling appointments.
• Requesting supporting documentation.
• Complying with legal and regulatory obligations.
• Preventing fraud and unlawful activities.
• Maintaining proper business records.
• Improving our customer service and communication processes.

We will only collect and use personal information that is reasonably necessary for these purposes or as otherwise permitted under applicable laws.

3. WhatsApp Business Communications

Our WhatsApp Business account is provided as a convenient communication channel for customers.

Please note that WhatsApp is operated by Meta Platforms, Inc. and your communications are also subject to WhatsApp’s own Terms of Service and Privacy Policy.

While WhatsApp provides encryption for messages during transmission, communications transmitted through third-party platforms remain subject to their own privacy practices.

Accordingly, we recommend that you avoid sending highly confidential information unless specifically requested by us through an appropriate and secure process.

WhatsApp should not be used to transmit passwords, banking PINs, online banking credentials or other highly sensitive security information.

4. Disclosure of Personal Data

Soon Seng Credit does not sell, rent or trade your personal information to third parties.

However, we may disclose your personal information where necessary to:

• comply with applicable laws;
• respond to lawful requests from regulatory authorities;
• protect our legal rights;
• prevent fraud or illegal activities;
• comply with court orders;
• fulfil our contractual obligations.

Where disclosure is required, we will only disclose information necessary for the relevant purpose.

5. Protection of Personal Data

We take reasonable administrative, organisational and technical measures to safeguard personal information against:

• unauthorised access;
• accidental disclosure;
• misuse;
• modification;
• loss;
•  

Our employees and authorised personnel are required to maintain the confidentiality of customer information.

Although we strive to maintain appropriate security standards, no electronic communication or storage system can be guaranteed to be completely secure.

6. Retention of Personal Data

Personal information obtained through WhatsApp will only be retained for as long as reasonably necessary to fulfil:

• operational requirements;
• contractual obligations;
• legal requirements;
• regulatory obligations;
• legitimate business purposes.

When personal information is no longer required, it will be securely deleted, anonymised or disposed of in accordance with our internal retention policies.

7. Your Rights Under the Personal Data Protection Act (PDPA)

Subject to the provisions of the Personal Data Protection Act 2012 (PDPA), you have certain rights regarding the personal data that we hold about you.

These rights may include:

• Requesting access to your personal data that is in our possession or under our control.
• Requesting correction of personal data that you believe is inaccurate, incomplete or outdated.
• Withdrawing your consent for our collection, use or disclosure of your personal data, where applicable.
• Making enquiries regarding how your personal data has been collected, used or disclosed.

Where permitted by law, we may require sufficient information to verify your identity before processing your request. We may also charge a reasonable administrative fee for access requests where permitted under the PDPA.

Please note that withdrawing your consent may affect our ability to continue providing certain products, services or assistance where the collection or use of your personal data is necessary.

8. Accuracy of Personal Data

We rely on the personal information that you provide to us to ensure that our records remain accurate and up to date.

You are encouraged to promptly inform us whenever there are changes to your:

• Name
• Residential or mailing address
• Contact number
• Email address
• Employment information
• Financial information
• Any other information previously provided to us

Keeping your personal information accurate helps us communicate with you efficiently and enables us to provide our services without unnecessary delays.

9. Changes to this WhatsApp Privacy Policy

Soon Seng Credit Pte Ltd reserves the right to amend, revise or update this WhatsApp Privacy Policy at any time to reflect:

• Changes in applicable laws or regulations;
• Updates to our business operations or internal procedures;
• Improvements to our privacy practices;
• Changes in the way we provide our services.

Any revised version of this policy will become effective immediately upon publication on our website unless otherwise stated.

Your continued use of our WhatsApp Business channel after any amendments have been published constitutes your acknowledgement of the updated policy.

We encourage you to review this policy periodically to remain informed of how your personal data is managed.

10. Contact Us

If you have any questions, concerns or requests relating to this WhatsApp Privacy Policy or the way your personal data is handled, please contact us using the details below.

Soon Seng Credit Pte Ltd
 +65 6226 8860
 [email protected]
1 Park Road #01-21 Singapore 059108

11. Data Protection Contact

For enquiries relating specifically to personal data protection matters, please contact our Data Protection Contact:

Name: Jincheng

Email: [email protected]

Telephone: +65 9067 1414

We will endeavour to respond to your enquiry or request within a reasonable timeframe in accordance with applicable legal and regulatory requirements.