Privacy Policy

Mortgage Crunch Pte. Ltd. (UEN: 202545886E), hereinafter “Mortgage Crunch,” “we,” “us,” or “our,” respects your privacy and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, process, and disclose your personal information when you access or use our website (https://mortgagecrunch.sg), mobile applications, products, features, or other services (collectively, the “Services”).

This Privacy Policy should be read together with our Terms of Use, which also apply to your use of our Services.

This Privacy Policy applies to all users, customers, subscribers, agents, partners, contractors, vendors, suppliers, and service providers (collectively “you” or “your”).

PERSONAL DATA

“Personal Data” refers to any information that identifies you or from which you can be identified. This may include, but is not limited to, your name, nationality, contact details, identification numbers, payment details, images, videos, voice recordings, health information, employment details, vehicle and insurance information, and other information you provide or we lawfully collect.

OUR COMMITMENT

Mortgage Crunch is committed to handling your Personal Data in accordance with the Singapore Personal Data Protection Act 2012 (PDPA). We aim to collect, use, and disclose your Personal Data only for lawful purposes and in a manner that is transparent and secure.

By using our Services or providing your Personal Data, you consent to its collection, use, and disclosure as described in this Privacy Policy. If you choose not to provide certain information, it may limit our ability to offer specific products or Services.

We may update or amend this Privacy Policy from time to time. Updated versions will be posted on our website and will take effect upon publication. Continued use of our Services after updates indicates your acceptance of the revised Privacy Policy.

TYPES OF PERSONAL DATA WE COLLECT

The Personal Data we collect varies depending on the Services you use. It may include:
- Identification details (name, date of birth, nationality)
- Contact information (address, email, phone number)
- Financial information (bank accounts, credit or debit card information)
- Employment and income information
- Health or insurance details, where relevant
- Device information, cookies, and usage data

We may also collect Personal Data about individuals connected to you (e.g., co-borrowers, family members), provided you have obtained their consent to share it with us.

HOW WE COLLECT PERSONAL DATA

We collect Personal Data through various means, including:
- Directly from you via forms, applications, emails, phone calls, or in-person interactions
- From your authorized representatives, business partners, or affiliates
- Public sources, social media, or other publicly available platforms
- Third-party service providers, including credit reporting agencies, identity verification providers, and other related entities

You warrant that you have obtained consent to share any third-party Personal Data with us.

PURPOSES FOR COLLECTION, USE, AND DISCLOSURE

We collect and process Personal Data to:
- Provide, administer, and improve our Services
- Respond to your inquiries and support requests
- Conduct surveys, research, and statistical analysis
- Send marketing communications (including third-party offerings, where permitted)
- Conduct quality assurance and staff training
- Fulfil legal or regulatory obligations
- Facilitate transactions with Financial Service Providers

Your Personal Data may also be used to determine eligibility for competitions, promotions, or recruitment programs where applicable.

COOKIES AND ONLINE TRACKING

Our website and applications may use cookies or similar technologies to collect anonymous usage data, analyse trends, improve our Services, or personalise your experience. Cookies do not identify you personally unless you provide Personal Data in connection with the Service. You can choose to disable cookies in your browser settings.

DIRECT MARKETING

We may use your Personal Data to provide marketing information about Mortgage Crunch products or services, or third-party offerings where relevant. You may opt out of marketing communications at any time by contacting us directly.

SHARING AND DISCLOSURE OF PERSONAL DATA

We may share your Personal Data with:
- Financial Service Providers or partners necessary to provide our Services
- Professional advisors, auditors, and legal representatives
- Third-party service providers assisting us with operations, analytics, or marketing
- Regulatory authorities or law enforcement agencies when required by law
- Potential acquirers or investors in Mortgage Crunch

All third parties are required to maintain confidentiality and use your Personal Data only for the purposes disclosed in this Privacy Policy.

DATA RETENTION

We retain your Personal Data only as long as necessary for the purposes stated or as required by law.

DATA ACCURACY AND SECURITY

We take reasonable steps to ensure your Personal Data is accurate and complete. You are encouraged to inform us of any updates or corrections. We also implement safeguards to protect your Personal Data from loss, misuse, or unauthorized access, disclosure, alteration, or destruction.

ACCESS AND CORRECTION

You have the right to request access to your Personal Data or request corrections if it is inaccurate. Requests may be subject to a reasonable administrative fee. Mortgage Crunch may refuse access in certain circumstances, such as where it would affect the privacy of others, compromise commercial confidentiality, or breach legal obligations.

You may submit requests via email to dpo@mortgagecrunch.sg with the subject line “PERSONAL DATA”. We will verify your identity and respond within a reasonable timeframe.

YOUR RIGHTS

Under the PDPA, you have rights including:
- Accessing your Personal Data
- Correcting or updating your Personal Data
- Requesting erasure or restriction of processing
- Withdrawing consent for certain uses of Personal Data
- Data portability requests, where applicable

We may charge a reasonable fee or deny requests where legally permitted.

RECRUITMENT DATA

If you apply for a job or participate in recruitment programs with Mortgage Crunch, we may collect personal data including:
- Contact information and identification
- Employment, education, and qualifications
- References and background check information
- Criminal history and other pre-employment screening information, where permitted by law

This data is used solely for recruitment, evaluation, legal compliance, and potential future employment opportunities.

CONTACT US

If you have any questions, concerns, or complaints about this Privacy Policy or how your Personal Data is handled, you may contact our Data Protection Officer at:

Email: dpo@mortgagecrunch.sg

We will respond promptly and seek to resolve issues in a timely manner. If you remain unsatisfied, you may escalate your concerns or seek independent legal advice.