MoneyLine.sg Pte Ltd Internet Privacy Statement
Protecting your privacy is important to us. We hope the following statement will help you understand how MoneyLine.sg Pte Ltd collects, uses and safeguards your personal information on our Web site.
What Happens When You Are Browsing?
If you are not registered for any online service from MoneyLine.sg Pte Ltd, you browse www.moneyline.sg anonymously. We do not collect personal information -- such as your name, address, phone number or E-mail address -- if you are only browsing this site.
MoneyLine.sg Pte Ltd does, however, use “cookies” to collect information about how our site is used. Information, such as the server your computer is logged onto, your browser type (for example, Netscape or Internet Explorer), and whether you responded to an MoneyLine.sg Pte Ltd banner ad or E-mail is collected and tracked in aggregate and not linked to you personally. We use this information to measure response rates to banner ads and E-mail offers. If you would like to learn more about cookies, please read About Cookies for more information.
What Happens When You Give Information To Us?
If you want to apply for or take advantage of our online comparison services, we will need you to give us some personal information, including your E-mail address. We only collect information about you which we need to process your application, to service your accounts and other needs, to offer new products and services, and to satisfy legal requirements. We will also use this information for purposes such as correspondence, site registration, allowing you to check your statement or other account details online, to make a purchase, or to participate in online surveys etc. We will also share such information with our affiliates and others for the purposes described elsewhere in this Statement.
Quality of Information
We use advanced technology, documented employee procedures and internal monitoring to help ensure that your personal information is accurate and up-to-date. In addition, we require high standards of quality from credit reporting agencies and others who provide us with information about prospective customers or other services.
We use your information to process your application or to provide the products and services you have requested.
How We Can Customise Your Online Experience
If you are a registered user of an MoneyLine.sg Pte Ltd online service, we may now or at some time in the future combine information about our online service with other online and offline information we have about you as an MoneyLine.sg Pte Ltd customer as well as information lawfully available from other organisations. We will use this combined information to customise your online experience and present you with relevant online and offline offers and updates. We also use a “cookie” to enable our server to recognise you as a registered MoneyLine.sg Pte Ltd online service user when you re-enter our site. If you would like to learn more about cookies, please read About Cookies for more information.
What Else Do We Do With Information We Obtain?
We may also use your information to measure consumer interest in our services and inform you about other products and services. For example, if we obtain your E-mail address we may use it to send you offers we think you might be interested in. These offers may be based on information you provided in your initial transaction with us, or surveys, from information that may indicate purchasing preferences and lifestyle, as well as information lawfully available from other organisations. These E-mail offers come directly from MoneyLine.sg Pte Ltd.
When we send you E-mails, we may be able to identify information about your E-mail address, such as whether you can read graphic-rich html E-mails. If your E-mail address is html-enabled, we may choose to send you graphic-rich html E-mails.
Declining Offers by E-Mail
What Do I Need To Do If I Do Not Want To Receive E-mail Offers?
We hope that many customers will appreciate receiving details of these carefully designed opportunities. However, we clearly recognise the importance of providing you with the choices by giving you an easy means to "Opt Out" from receiving E-mail offers. You can "Opt Out" at any time by clicking on the "How to Decline E-mail" link below or reply to the E-mail and type "Remove" in the subject line.
Disclosure of Information Policies
Do We Share Information About You?
MoneyLine.sg Pte Ltd has had a long-standing commitment to protecting personal information of our customers and prospective customers. This section explains how we share your personal information with others.
Other MoneyLine.sg Pte Ltd Companies
We may share information about you within the MoneyLine.sg Pte Ltd Group of Companies so we can provide you with products and services you request and bring you information about other MoneyLine.sg Pte Ltd products and services. This may involve providing your personal information to other MoneyLine.sg Pte Ltd companies both within and outside Singapore, including Australia and the USA, for processing, servicing or marketing purposes. All MoneyLine.sg Pte Ltd Companies comply with the MoneyLine.sg Pte Ltd Customer Privacy Principles and with security procedures which are similar to those described above in Security.
Companies Who Provide Services To Us
In some cases we contract with other companies to perform services for us. Examples of this include processing applications, sending E-mail, processing orders, providing marketing support, deliveries, market research, debt collection agencies etc. We provide them only with such information about you as they need to perform their services, but we impose strict requirements of security and confidentiality on them in how they handle your personal information. Also, they are not permitted to use information about you for any purpose except to perform the services we have asked them to provide.
Our Business Partners
We may send you offers by E-mail or other direct marketing methods (i.e. mail, fax or phone) about products and services offered by our business partners. When we do this, we keep control over your information, which is not disclosed to our business partners unless you have expressly authorised us to do so or you take advantage of their offer.
IMPORTANT NOTE : Please note that we do not give your E-mail address to our business partners.
Please keep in mind that if you take advantage of an offer from an MoneyLine.sg Pte Ltd business partner and become their customer, they may independently wish to send offers to you. In this case, you will need to inform them separately if you do not wish to receive future offers from them. In all cases our goal is to deliver offers to people who we believe will find them of value. Our communications are developed and managed under strict conditions designed to safeguard the security and privacy of customer personal information. Click here if you wish to “Opt Out" of receiving offers by E-mail.
How to Decline Email
Credit Reporting (applicable to MoneyLine.sg Pte Ltd account holders in Singapore only)
Credit information about you may be obtained from and provided to credit information organisations in accordance with applicable legal requirements.
Other Disclosure of Information
In all other cases, we will not disclose your personal information unless you have been previously informed or have authorised us to so do, or if we are required to do so by law. If an order of a court or government authority requires us to disclose information about you, we will do our best to notify you of this promptly, to give you an opportunity to exercise your legal rights. The only exceptions to this policy are when the order or law prohibits us from notifying you or when there is suspicion of fraud or criminal activity. We will not use any medical information for marketing purposes.
How Long Do We Keep Information
We will keep information for as long as it is necessary to service your account or to continue to provide products and services you have requested. We will retain information for a reasonable period if you cease to be our customer, unless the law requires us to keep it for longer.
We do not use www.moneyline.sg to knowingly solicit information from or market to children or young persons under the age of 18.
Your Rights to an Explanation
If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable laws, we provide an explanation, if requested. We state the reasons for our action and the information upon which our decision was based, except where there are legal reasons not to do so, for example where there is suspicion of criminal activity.
Your Rights of Access and Correction
You can contact us at any time if you would like details of any personal information we may hold about you or if you would like us to correct it. Depending on the nature of your request, we may ask you to complete a personal data access form. In some cases, we may charge you a service fee for providing this information, but we will inform you of this at the time.
Company Commitment to Privacy
In keeping with our long-standing leadership in consumer privacy protection, MoneyLine.sg Pte Ltd is actively involved with current industry initiatives to protect individual privacy rights on the Internet and in all aspects of electronic commerce. For additional information about our commitment to protecting the privacy of our customers both online and offline, please read the MoneyLine.sg Pte Ltd Customer Privacy Principles. The MoneyLine.sg Pte Ltd Customer Internet Privacy Statement applies these Principles to our online customers as well as addressing our obligations under Singapore Law.
This Privacy Statement applies only to MoneyLine.sg Pte Ltd' Singapore customers and Singapore visitors to our website. If you are a Singapore customer and have questions about this Privacy Statement, your account or our information handling policies, you can contact us as indicated above.
Customer Choice - Direct Mail and Telemarketing
If you do not want to receive MoneyLine.sg Pte Ltd mail or telemarketing offers in Singapore, if you would like information about your account, or if you have a question or concern about the way we handle your personal information, please call the customer service telephone number listed on your account statement.
Linked Internet Sites
You should be aware that other Internet sites to which you link from www.moneyline.sg may contain privacy provisions that differ from this Internet Privacy Statement.
Changes to the Internet Privacy Statement - Singapore
We will use this space to note changes to our Internet Privacy Statement, to keep you fully informed about how we protect your privacy and your choices about our use of your personal information for marketing.