This Privacy Policy is an agreement between Outer Trust Credit Services and you, as the visitor of its website and services. It applies to information we receive when you visit our website at www.OTCredit.com.sg. This agreement governs what information we collect from your visit and usage of our services, how we might use that information, and the steps we take to ensure that your personal information is protected. We share your personal information only with your consent and as described in this policy.
Your use of the website and any personal information you provide via the website or through other official Business contact remains subject to this Privacy Policy as well as the applicable Terms and Conditions for use of the site and services.
Agreement to Terms of Privacy Policy
Any use of the service is purely voluntary. By using the service, you signify that you agree to the terms of this privacy policy as well as to our terms of use. You are not required to provide any personal information to us unless you choose to access features on the service which require such information. If you do not agree with the terms of this policy or other terms of use related to the service, then you should immediately exit this website and discontinue using the site or any component of the service. If you not agree with the terms of our privacy policy and terms of use, please do not provide us with personal information and discontinue use of the service. Outer Trust Credit Services’ terms of use are expressly incorporated into this policy by reference and made a part of this policy.
General Information we may collect
There may be other instances in which we collect information from you that are general in nature (“general information”). Such information may include information recorded by our servers logs from your browser such as your Internet Protocol (IP) address (which enables us to identify your computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network like the internet), and the specific webpage you requested. Such general information, including the click stream data and cookies, as mentioned below, may be collected from you whenever you access or use service on www.OTCredit.com.sg, whether or not you provide us with any personal information.
When you use the service we may collect “click stream data” (server address, domain name, etc.) We may use click stream data for traffic analysis or e-commerce analysis of our service, to determine which features within the service are most or least effective or useful to you.
Personal Information about you
You may be required to provide personal information to access or use certain parts or features of our service. As part of our service, we may obtain and collect personally identifiable information provided by you, including, but not limited to, your name, NRIC / Passport / Fin number, address, telephone or mobile phone number, email, income and loan required. If you choose to access our website and use our services we may require you to provide personal information as indicated on the forms throughout the site.
If you do not provide the requested personal information, you may not be able to access or use the particular service where such information is required.
Use and Sharing of Information.
We may use the information your had provided to us when you accessed to our website and used our services, to conduct various due diligence checks with Credit Reference Authorities1 (CRAs) , Fraud Prevention Authorities2 (FPAs)or other organisations3. The purpose of these checks is to verify and ascertain your credit standing and we may obtain your transaction history with banks, financial institution and moneylenders or other organisations.
During the course of checking, your information may be collated by the CRAs and other organisations, and shared with users of their services.
In the event of any delay or default of your loan repayment, information may be sent to the CRAs or other organisations who will record these information, which may in turn be accessed by users of their services.
If inaccurate or false information is provided during the course of you using our services, and fraud is identified, details will be passed to the relevant FPAs who may then use this details for their investigation.
Credit Reference Authorities refer to QuestNet, Credit Bureau Singapore and Dun & Bradstreet (Singapore) Pte Ltd.
Fraud Prevention Authorities to The Police Force, CPIB and other Government Authorities of Singapore.
Other organisations our appointed external Debt Recovery Service and the Moneylender’s Association of Singapore.
Communication
The contact number and email address provided by you will be used as the primary means of communications between yourself and our business in respect of all our transactions.
To contact us on any aspect of this policy or your personal data protection or to provide any feedback that you may have, to contact DPO at info@otcredit.com.sg or call us 62920119.
