1 – MONEY PTE LTD
(UEN: 200907259R)

Effective Date: 23 April 2009

1 – MONEY PTE LTD (“1 – MONEY”, “we”, “our”, or “us”) is committed to respecting and protecting your privacy. This WhatsApp Privacy Policy explains how we collect, use, disclose, retain and safeguard your personal data when you communicate with us through our official WhatsApp Business account.

This policy supplements our general Privacy Policy and is intended to comply with the Personal Data Protection Act 2012 (“PDPA”) of Singapore.

By contacting us through WhatsApp, you acknowledge that you have read and understood this policy and consent to our collection, use and disclosure of your personal data as described below.

1. Types of Personal Data We Collect

When you interact with us through WhatsApp, we may collect personal information that you voluntarily provide or that is necessary for us to assist you.

Identification and Contact Information

This may include:

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

Financial and Transaction Information

Where relevant, we may collect:

• Employment and income information
• Banking information
• Loan application details
• Financial documents
• Repayment information
• Other supporting documents required for assessment

Communication Information

We may retain records relating to your communication with us, including:

• WhatsApp messages
• Voice messages
• Images
• Videos
• Documents
• Attachments
• Customer service enquiries
• Other correspondence sent through WhatsApp.

2. Purposes of Collection, Use and Disclosure

Your personal information may be collected, used or disclosed for purposes including:

• Responding to your enquiries.
• Processing loan enquiries and applications.
• Verifying your identity.
• Providing customer support.
• Requesting supporting documents.
• Scheduling appointments.
• Updating you regarding your loan application or account.
• Complying with regulatory and legal obligations.
• Preventing fraud or unauthorised activities.
• Maintaining business and communication records.
• Improving our customer service and operational processes.

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

3. WhatsApp Business Communications

Our official WhatsApp Business account is provided solely as an additional communication channel for customers and prospective customers.

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

Although WhatsApp provides end-to-end encryption for supported communications, no electronic communication platform can guarantee absolute security.

For your own protection, you should avoid transmitting highly confidential information such as passwords, PIN numbers or internet banking credentials unless specifically requested through an appropriate secure process.

4. Disclosure of Personal Data

1 – MONEY PTE LTD does not sell, rent or trade your personal information.

However, we may disclose your personal data where disclosure is:

• required under applicable laws;
• requested by government or regulatory authorities;
• necessary to protect our legal rights;
• required to investigate fraud or unlawful activities;
• necessary to comply with contractual or legal obligations.

Where disclosure is necessary, only the information required for the relevant purpose will be disclosed.

5. Protection of Personal Data

We maintain reasonable administrative, organisational and technical safeguards to protect your personal data against:

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

Access to personal information is restricted to authorised personnel who require such information to perform their duties.

While reasonable efforts are taken to secure personal information, no method of electronic storage or internet transmission can be guaranteed to be completely secure.

6. Retention of Personal Data

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

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

When retention is no longer required, personal data will be securely deleted, destroyed or anonymised in accordance with our internal policies.

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

Subject to applicable laws, you may exercise your rights under the PDPA by requesting:

• Access to personal data that we hold about you.
• Correction of inaccurate or incomplete personal data.
• Withdrawal of consent for the collection, use or disclosure of your personal data where applicable.
• Information regarding how your personal data has been handled.

We may request sufficient information to verify your identity before processing your request and may charge a reasonable administrative fee where permitted under the PDPA.

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

8. Accuracy of Personal Data

You are responsible for ensuring that the personal information provided to us remains accurate, complete and up to date.

Should there be any changes to your:

• Name
• Residential address
• Mobile number
• Email address
• Employment information
• Financial information
• Other relevant personal details

please inform us promptly so that our records can be updated accordingly.

9. Changes to this WhatsApp Privacy Policy

We reserve the right to revise or update this WhatsApp Privacy Policy from time to time to reflect:

• amendments to applicable laws;
• changes in regulatory requirements;
• improvements to our business practices;
• operational or technological developments.

The revised policy will become effective immediately upon publication unless otherwise specified.

Your continued use of our WhatsApp Business account after any updates constitutes your acceptance of the revised policy.

10. Contact Us

If you have any questions regarding this WhatsApp Privacy Policy or how your personal data is managed, please contact us.

1 – MONEY PTE LTD
+65 6908 1111
[email protected]
149 Rochor Road, #02-08 Fu Lu Shou Complex Singapore 188425

11. Data Protection Contact

For enquiries relating to personal data protection matters, please contact:

Name: Ng Kim Yong

Email: [email protected]

Telephone: +65 8198 6888

We will endeavour to respond to all privacy-related enquiries and requests within a reasonable timeframe in accordance with applicable legal and regulatory requirements.