FAST DEBT RECOVERY SPECIALIST PTE LTD
Fast Debt Recovery - PDPA clause
1. Fast Debt Recovery Specialist Pte Ltd ("us", "we", "our") is the operator of www.fastdebtrecovery.info (the "website"). We take our responsibilities under Singapore’s Personal Data Protection Act 2012 (the "PDPA") seriously. We also recognise the importance of the personal data you have entrusted to us and believe that it is our responsibility to properly manage, protect and process your personal data.
3. Unless restricted by the PDPA or any other applicable law, you agree that we may process your personal data in the manner, and for the purposes set out in the terms described in paragraph 2 above.
What is Personal Data?
4. Personal data means data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which an organisation has or is likely to have access.
5. Common examples of personal data could include names, identification numbers, contact information, medical records, photographs and video images.
How Personal Data is collected
6. Here are examples of situations where we collect your personal data:
(a) when you register to receive our e-newsletter via our website (if any)
(b) when you submit a request or query via the Contact Form on our websites
(c) when you make an appointment booking with us through our website, telephone or third party vendor we employ (from time to time, when available) to assist us with our booking;
(d) when you communicate with us directly in relation to our products and services (in person or via our co-workers, by email, telephone or any other means);
(e) when you use services that are made available on the website from time to time;
(f) when you conduct certain types of transactions such as providing more information on debtor;
(g) when you enter, and when you interact with us during promotions, competitions, contests, lucky draws or special events;
(h) when you apply for employment with us;
(i) when you participate in surveys, or photo-taking or other media exposure.
When Personal Data Collected and what is Collected
7. You can use and browse the website without disclosing your personal data. The provision of your personal data is voluntary. But, if you do not provide your personal data to us, we may not be able to provide the products and services that you require of us.
8. We collect personal data through newsletter registration, placement of orders, completion of forms, emails, inquiries, requests, and other situations where you have chosen to provide personal data to us.
9. If you are a candidate for employment, we will collect personal data that you provide to us during the recruitment process, including personal data that is contained in your resume and in any application form that we require you to fill up. Such personal data may include your employment history and working eligibility rights.
10. Other examples of the types of personal data which we may collect about you include:
(a) contact information such as names, addresses, telephone numbers, and email addresses;
(b) billing information such as billing address and credit card information;
(c) unique information such as ID or passport number, photograph, contact preferences, and date of birth;
(d) details of your visits to the website, such as traffic data, location data, and the resources that you access on the website; and
(e) your transaction history.
Purposes for Collection, Use, Disclosure and Processing of Personal Data
11. You may, in certain circumstances, provide us with personal data relating to third parties (for example, your debtor information or any person who may be pertinent to executing and conducting our work on your behalf). When this happens, you are deemed to have represented and confirmed to us that you have obtained the consent of such third party to provide his/her personal data to us for processing and conducting our debt recovery work in accordance to personal data collection and use. Any subsequent additional personal detail from the debtor that we collected in the course of debt recovery work will also adhere to personal data collection and use, disclosure and processing of personal data and shall not be available to you unless with the consent of the person(s) involved (such as new contact numbers or working locations, etc).
12. We collect personal data if it is necessary for us to conduct our everyday activities or functions.
13. The personal data which we collect from you may be collected, used, disclosed and/or processed for various purposes, depending on the circumstances for which we may/will need to process your personal data, including:
(a) to communicate with you;
(b) to maintain and improve customer relationship;
(c) to assess, process and provide products, services and/or facilities to you;
(d) to administer and process any payments (including refunds) related to products, services and facilities requested by you;
(e) to establish your identity and background;
(f) to respond to your enquiries or complaints and resolve any issues and disputes which may arise in connection with any dealings with us;
(g) to provide you with services or assistance that you have requested;
(h) to provide you with information and/or updates on our products, services, upcoming promotions offered by us and/or events organised by us and selected third parties which may be of interest to you from time to time;
(i) for direct marketing purposes via SMS, phone call, email, fax, mail, social media and/or any other appropriate communication channels in accordance with your consent;
(j) to facilitate your participation in, and our administration of, any events including contests, promotions or campaigns;
(k) to maintain and update internal record keeping;
(l) for internal administrative purposes;
(m) to send you seasonal greetings messages from time to time;
(n) to send you invitation to join our events and promotions and product launch events;
(o) to monitor, review and improve our events and promotions, products and/or services;
(p) to conduct credit reference checks and establish your creditworthiness, where necessary, when providing you with products, services and/or facilities;
(q) to administer, process and fulfil your commercial transactions with us (such as a purchase on the Website, a tender award, contract for service or tenancy agreement);
(r) to process any payments related to your commercial transactions with us;
(s) to process and analyse your personal data either individually or collectively with other individuals;
(t) to conduct market research or surveys, internal marketing analysis, customer profiling activities, analysis of customer patterns and choices, planning and statistical and trend analysis in relation to our products and/or services;
(u) to share any of your personal data with the auditor for our internal audit and reporting purposes;
(v) to share any of your personal data pursuant to any agreement or document which you have duly entered with us for purposes of seeking legal and/or financial advice and/or for purposes of commencing legal action;
(w) to share any of your personal data with our business partners to jointly develop products and/or services or launch marketing campaigns;
(x) to share any of your personal data with financial institutions necessary for the purpose of applying and obtaining credit facility(ies), if necessary;
(y) for audit, risk management and security purposes;
(z) for detecting, investigating and preventing fraudulent, prohibited or illegal activities;
(aa) for enabling us to perform our obligations and enforce our rights under any agreements or documents that we are a party to;
(bb) to transfer or assign our rights, interests and obligations under any agreements entered into with us;
(cc) for meeting any applicable legal or regulatory requirements and making disclosure under the requirements of any applicable law, regulation, direction, court order, by-law, guideline, circular or code applicable to us;
(dd) to enforce or defend our rights and your rights under, and to comply with, our obligations under the applicable laws, legislation and regulations; and/or for other purposes required to operate, maintain and better manage our business and your relationship with us; which we notify you of at the time of obtaining your consent.
14. As the purposes for which we may/will collect, use, disclose or process your personal data depend on the circumstances at hand, such purpose may not appear above. However, we will notify you of such other purpose(s) at the time of obtaining your consent, unless we are permitted by the PDPA or any other applicable law to process your personal data without your consent.
Specific Issues for the Disclosure of Personal Data to Third Parties
15. In order to smoothly conduct our business operations or to fulfil our obligations to you, we may also disclose the personal data that you have provided to us to our third party service providers, agents, affiliates or related corporations, who may be situated inside or outside of Singapore, for one or more of the purposes stated in or notified to you under the Purposes for Collection, Use, Disclosure and Processing of Personal Data section. We will also disclose your personal data to government regulators or authorities in order to comply with any laws, rules, guidelines, regulations or schemes that apply to us.
16. Examples of third parties that we disclose your personal data to include:
(a) data entry service providers;
(b) professional advisors, agencies, consultants and/or external auditors;
(c) third party service providers who provide operational services in connection with our business such as telecommunications, reservations, Data protection officer, information technology, logistics, delivery, printing and postal services or services relating to marketing and promotional activity; and
(d) relevant government regulators or authorities.
17. The third parties whom we conduct business are only authorized to use your information to perform the service for which they were hired. As part of our agreement with them, they are required to adhere to the PDPA and any policies that we provide, and to take reasonable measures to ensure your personal data is secure.
18. We respect the confidentiality of the personal data that you provide to us. We do not sell personal data to any third party.
Request for Correction of Personal Data
19. You may request to access and/or correct your personal data that is in our possession or under our control by writing to us at email@example.com
20. For a request to correct personal data, we will:
(a) correct your personal data as soon as practicable after the request has been made unless we have reasonable grounds not to do so; and
(b) subject to paragraph 21 below, we will send the corrected personal data to every other organisation to which the personal data was disclosed by us within a year before the date the correction was made, unless that other organisation does not need the corrected personal data for any legal or business purpose.
21. We may, if you so consent, send the corrected personal data only to specific organisations to which the personal data was disclosed by us within a year before the date the correction was made.
22. Depending on the scope and nature of the work required to process your access request, we may be required to impose a fee to recover our administrative costs. This will be assessed on a case-by-case basis by our Data Protection Officer. Where such a fee is to be imposed, we will provide you with a written estimate of the fee for your consideration. Please note that we will only process your request once you have agreed to the payment of the fee. In certain cases, we may also require a deposit from you before we process the access request. You will be notified if a deposit is required when we provide you with the written estimate of the fee, if any.
23. You understand that we are reliant on you to provide us with accurate and complete personal data and with updates if there are any changes to your personal data. We will not be responsible for relying or using any inaccurate or incomplete personal data where you have provided with such personal data and/or have failed to update us of any changes in your personal data.
Request to Withdraw Consent
24. You may withdraw your consent for the collection, use and/or disclosure of your personal data that is in our possession or under our control by writing to us at firstname.lastname@example.org . However if the withdrawal of consent for the collection, use and/or disclosure of your personal data leads to our inability to carry out the prescribed scope of work, we may terminate our services in accordance to the Service contract.
25. We will process your request within a reasonable time from such a request for withdrawal of consent being made, and will thereafter not collect, use and/or disclose your personal data in the manner stated in your request.
26. Your withdrawal of consent may result in certain consequences. For example, it may mean that we will not be able to provide you with certain products or services that you have requested or that we will not be able to continue with your existing relationship with us. We will inform you of such consequences after we receive your request for withdrawal.
27. However, you understand that notwithstanding your withdrawal of consent, we will still be entitled to collect, use or disclose your personal data if we are required or authorised to do so under the PDPA or any other applicable law.
Protection and Destruction of Personal Data
28. We will put in place reasonable security arrangements to ensure that your personal data is adequately protected and secured. In particular, reasonable security arrangements will be taken to prevent any unauthorized access, collection, use, disclosure, copying, modification, leakage, loss, damage and/or alteration of your personal data. However, we cannot assume responsibility for any unauthorized use of your personal data by third parties which are wholly attributable to factors beyond our control.
29. We will also put in place measures to ensure that any of your personal data that is in our possession or under our control is destroyed and/or anonymized as soon as it is reasonable to assume that:
(a) the purpose for which that personal data was collected is no longer being served by the retention of such personal data; and
(b) retention is no longer necessary for any other legal or business purposes.
30. If you have any complaint or grievance regarding about how we are handling your personal data or about how we are complying with the PDPA, we welcome you to contact us by writing to us at email@example.com .
31. We will certainly strive to deal with any complaint or grievance that you may have speedily and fairly.
32. You may contact us (or send us any request or complaint form) either by post or by email at the following address:
Data Protection Officer
(Attention: Data Protection Officer)
Contact No: 9877 2949
Email Address: firstname.lastname@example.org
Updates on Personal Data Protection Policy
33. As part of our efforts to ensure that we properly manage, protect and process your personal data, we will be reviewing our policies, procedures and processes from time to time.
34. We reserve the right to amend the terms of this Personal Data Protection Policy at our absolute discretion. Any amended Personal Data Protection Policy will be posted on the website and can be viewed at https://www.fastdebtrecovery.info/aboutpdpa . No individual notice will be sent to you.
35. You are deemed to have acknowledged and agreed to any amended version of this Personal Data Protection Policy if you continue to use the website after the changes have taken place. As such, you are encouraged to visit the above website from time to time to ensure that you are well informed of our latest policies in relation to personal data protection.
Personal Data Request Forms
36. Personal Data Request Forms Fast Debt Recovery Specialist Pte Ltd aims to comply with the requirements of the Personal Data Protection Act (PDPA). We will respond within 30 (thirty) working days upon the receipt of your Request. Thank you for your understanding.
(a) Data access request form
To submit a request for access to your personal data, please send us an official email request to email@example.com
(b) Data correction request form
To submit a request for correction to your personal data, please send us an official email request to firstname.lastname@example.org
General consent withdrawal request form
To withdraw consent to the collection, use and disclosure of your personal data, please send us an official email request to email@example.com
(c) Complaint form
To submit a complaint or grievance regarding how we are handling your personal data or about how we can complying with the PDPA, please send us an official email request to firstname.lastname@example.org
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