Tradition Credit Co take our obligations to protect personal information seriously.
The purpose of this Privacy Policy is to tell you how we manage your personal information which includes:
- the kinds of personal information that we collect and hold about you;
- how we collect your personal information;
- how we hold your personal information;
- the purposes for collecting, holding, using and disclosing your personal information;
- how you may access your personal information held by us and correct that information where it is incorrect;
This Policy will be kept up to date and published on our company website.
The kinds of personal information we collect and hold about you
As a company offering a wide range of services, we collect and hold personal information about you. We collect information from our customers, prospective customers, prospective employees, referrals, merchants, service providers and the people who represent the businesses we deal with.
The type of personal information we collect and hold may vary depending on the nature of our interactions with you.
For example, we would collect and hold financial information, credit related information, identification information, transaction / repayment history information, banking details and employment information.
In order to satisfy our legal obligations, we may need to retain your information after a transaction or a relationship has ended. However, we will not retain your identifiable personal information longer than is reasonably necessary and permitted under Singapore law.
How we collect your personal information
Wherever it is possible and practical to do so, we will collect personal information directly from you, this may be in person, in our office, over the telephone, by mail, over the internet, by e-mail or fax, or by completion of a online form (such as an application form).
We may also collect your personal information from a third party. This will be limited to circumstances where it is impracticable or unreasonable for us to collect it directly from you. The type of third party who might provide information to us will vary depending on the nature of the business and interaction with you.
We understand the importance of protecting the personal information we hold about you.
We take steps to ensure your personal information is free from misuse, interference, loss, unauthorized access or modification by :
- Securing all personal information;
- Limiting access to personal information only to those that need access; and
- Protecting our systems with appropriate technology solutions.
- The purposes for collecting, holding, using and disclosing your personal information
We collect, hold, use and disclose your personal information in order to manage and administer the services we provide to our customers, whether they are individuals or businesses. You may be a customer, contractor, job applicant, supplier, partner or party with whom we do or have done business, or may do business with in the future.
As a financial services provider a major purpose for which we hold, use or disclose personal information is to assess credit applications, manage credit and insurance agreements, planning, product and service development, research purposes and to analyze the risk profiles of our customers or potential customers.
Online servicing or access
When you register to access services online, the information collected is compared with the details we may already have stored, this might include your name and contact number. This allows us to verify who is seeking access. If this information is not provided you will not be able to access your personal information online.
How you may access your personal information held by us and correct that information where it is incorrect
Simple requests are best handled by speaking to the relevant customer service area. More complex requests may be better detailed in writing to ensure we fully understand and are able to respond accurately to your request
If there is a reason we are unable to agree to a request for access to your personal information we will advise you of this in writing. Some examples of why we may refuse a request for access include, where providing the information:
- may pose a threat to the health or safety of an individual or the public;
- may have an unreasonable impact on the privacy of another individual;
- is not allowed by law; or
- may reveal internal information relating to a commercially sensitive decision making process.
- If information we hold about you is incorrect we would like to know so that we can promptly correct this.
In certain situations, we may not agree to a request to correct information we hold about you, if this occurs we will advise you of this and our reason for not agreeing to the correction request.
Who we may disclose personal information to
Tracking information on the web
For statistical purposes, we collect information on website activity such as the number of users who visit our websites, the date and time of visits, the number of pages viewed, navigation patterns, what country and what systems users have used to access the site and, when entering one of our websites from another website, the address of that website. This information is obtained through the use of ‘cookies’ (refer below for more information about ‘cookies’).
Our websites may also contain links to non-tradition credit co websites. While these links are provided for convenience, if you are navigating these sites please be aware that the information handling practices of the linked websites may differ from ours. While we try to link only to sites that share our high standards and respect for privacy, we are not able to guarantee the privacy practices of other websites.
Cookies
A ‘cookie’ is a packet of information that allows a website to identify and interact more effectively with a computer. Cookies do not identify you, but they do identify your browser type and Internet Service Provider.
Your browser can be individually set to accept all cookies, reject all cookies, or notify when a cookie is sent. If cookies are rejected, there may be limits on how our websites can be used. To evaluate the effectiveness of our website advertising, we may use third parties to collect statistical data. No personal data is collected on these occasions.