ONEPIP (SINGAPORE) PRIVATE LIMITED PRIVACY POLICY
Last updated on 3 May 2019
In this privacy policy (this Policy ), we , us , our or ONEPIP means ONEPIP (Singapore) Private Limited and its employees, directors, officers, agents, affiliates and/or related corporations, and you , your or yours means any individual or corporation that engages ONEPIP s services or persons to whom this Policy applies.
We view the security of your personal data with importance. This Policy seeks to explain how we may collect, use, disclose and/or process such personal data.
This Policy forms part of our General Terms & Conditions and would have to be read together with our General Terms & Conditions.
1.1. In this Policy, personal
data means data, whether true or not, about an individual who can be
identified (a) from that data, or (b) from that data and other information to
which we have or we are likely to have access, including such data in our
records as may be updated from time to time.
1.2. Examples of such personal
data include an individual s full name, signature, location, date of birth,
nationality, identity card details, passport details, telephone or contact
number, residential or mailing address, email address, bank account details and
any other information that can be used to identify an individual.
We may collect the following data:
(a)
personal data provided
by you in any online
or physical forms submitted to us or via face- to-face meetings, correspondence or
communications with us (e.g. via telephone, fax,
email, voice calls, messaging platforms);
(b)
personal data provided by you when you use any social media functions
or respond to any surveys or promotional materials
on our Platforms (as defined
in the General Terms &
Conditions);
(c)
personal data provided by you in connection with any remittance order
placed with us, including the personal data of any recipient(s) to such
remittance as identified by you;
(d)
personal data provided by you in connection with our
obligations to comply with any applicable laws and regulations, including all
applicable anti-money laundering, anti- terrorist financing and
Know-Your-Client rules;
(e)
details of any transactions carried
out by you on our Platforms; and/or
(f)
personal data received by us from third parties such as banks and
payment service providers used by you to transfer money to us, banks and
payment service providers of any recipient(s)
identified by you to receive
remittance payment(s),
our business partners, our sub-contractors for
technical, payment and delivery services, advertising agencies, search
information providers and credit reference agencies.
We may collect and use the personal data provided by you for the following purposes:
(a)
to facilitate and/or maintain your account with us;
(b)
to facilitate our process of Client Approval Verification (as defined
in the General Terms & Conditions);
(c)
to facilitate our provision of services to you;
(d)
to respond to, process and/or handle your queries, complaints, requests, feedback and/or suggestions;
(e)
to conduct market
research and/or data analysis for statistical, profiling or other purposes in order to understand customer behaviour, preferences and market trends,
and to review develop and improve the quality of our services;
(f)
to offer, market to and promote any products, services, offers or
events provided by us which we may regard as of interest
to you, in which event we may contact you via various methods including but not limited
to email, telephone calls, messaging services and fax;
(g)
to enforce our rights under our General Terms & Conditions,
including but not limited to the collection of any outstanding payment;
(h)
to comply with any obligations, requirements and/or
arrangements for collecting, using and disclosing data applicable to us,
including:
(i)
any applicable laws and regulations existing currently and as may be
amended from time to time;
(ii)
any guidelines issued by any legal, regulatory, governmental, tax, law enforcement
or other authority, or self-regulatory or industry bodies or associations of
financial service providers existing currently and in the future; or
(iii)
any present or future contractual or other commitment with local or
foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry
bodies or associations of financial service
providers that is assumed by or imposed on us by reason of our
financial, commercial, business or other interests or activities related
to the jurisdiction of the relevant local
or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or
industry bodies or associations of financial service providers;
(i)
to comply with any obligations, requirements, policies, procedures,
measures or arrangements for sharing data and information with us, and any
other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing and/or other
unlawful activities; and/or
(j)
other types of uses for personal data in connection with our business.
4.1. In connection with the
purposes as set out in paragraph 3 above, we may from time to time disclose any personal data provided by you to other parties,
whether in Singapore or elsewhere, including:
4.1.1. our related corporations, including
but not limited to ONEPIP
(Hong Kong) Limited;
4.1.2. any of our directors
or shareholders;
4.1.3. any counterparties and their respective banks in relation
to our business;
4.1.4. any agent, contractor or third party service provider who provides administrative,
telecommunications, computer, payment, debt collection or other services to us
in connection with our business;
4.1.5. credit reporting
agencies;
4.1.6. any business partner, investor, assignee or transferee (actual or prospective) to facilitate
business assets transactions (which may extend to any merger, acquisition or
any debt or asset sale) involving any of our related corporations;
4.1.7. our professional advisers, such as our auditors and lawyers;
4.1.8. any person or entity
to whom we are obliged
or otherwise required
to make disclosure to under or pursuant to:
(a)
any applicable laws or regulations existing currently and as may be amended
from time to time;
(b)
any guidelines issued
by any legal, regulatory, governmental, tax, law enforcement or other authority, or
self-regulatory or industry bodies or associations of financial service
providers existing currently and in the future; or
(c)
any contractual or other commitment with local or foreign legal,
regulatory, governmental, tax, law enforcement or other authority,
self-regulatory or industry bodies or associations of financial service
providers existing currently and in the future; or
4.1.9. any other person or entity
who has established or proposes to establish any business relationship with us.
4.2. In the event of any
disclosure under this paragraph 4, we will ensure that
any such third parties keep all such personal data confidential and secure.
5.1. You may at any time withdraw
your consent provided under our General Terms & Conditions to the collection, use or disclosure of any personal
data by us, provided always that you notify us in
writing immediately of such withdrawal
of consent. For the avoidance of doubt, where
you are a corporation and in the event that any individual whose personal data you
have provided to us withdraws his consent
to the collection, use or disclosure of such personal
data by us, you agree to notify us in writing immediately
of such withdrawal of consent.
5.2. Upon withdrawal of consent, we shall cease
to collect, use or disclose
such personal data.
As a result, we may be unable
to continue providing remittance services to you. This may also result in the
termination of any agreements you may have with us, and you
being in breach of your contractual obligations or undertakings. Our legal rights and remedies in such event are expressly reserved.
6.1. As we may rely on your personal data to provide
services to you, you shall ensure that at all times the information provided by
you to us is correct, accurate and complete. You shall update us in a timely
manner of all changes to the information provided to
us.
6.2. You may request
to access, update or make corrections to your personal data that is in
our possession and control. Depending on the nature of your request, we may
charge an administrative fee to process your request.
We will retain personal data provided by you for a period necessary to carry out any of the purposes outlined in paragraph 3 above, and until it is no longer necessary for any other legal or business purposes.
All communications to us in respect of this Policy should be made by email transmission to customerservice@onepip.net.
Our Website may contain links to other websites operated by third parties. We are not responsible for the privacy practices of such third party websites that are linked to our Website. Should you visit such third party websites, you should read the privacy policies of such third party websites to determine how these third parties will handle any information they may collect from you.
We may update this Policy from time to time to ensure that this Policy is consistent with any developments to the way we use personal data provided by you, and/or any changes in legal or regulatory requirements. Subject to your rights at law, you agree to be bound by the prevailing terms of this Policy as may be updated from time to time on our Website. All communications, transactions and dealings with us shall be subject to the latest version of this Policy in force at the time.
This Policy does not derogate from our General Terms & Conditions. Our rights under this Policy shall be without prejudice to other rights of collection, use and disclosure available pursuant to our General Terms & Conditions or under the law, and nothing herein is to be construed as limiting any of these other rights.