Privacy and Data Protection Policy
- At Mitsubishi HC Capital Asia Pacific Pte. Ltd. (the “Company”), we understand that your privacy is important and we endeavor to protect your personal data. We are truly committed to respecting your privacy and recognize the need for appropriate protection and management of the personal data you share with us. The Company will ensure that your personal data is administered and protected to the extent required under the Personal Data Protection Act 2012 (the “Act”). By providing us with personal data, you agree that you have read, understood and accepted the statements set out in this Privacy and Data Protection Policy (“Policy”).
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The Company may collect, use, disclose and/or process your personal data (as defined under the Act), including but not limited to your name, residential or mailing address, email address, telephone number, photo, income, financial conditions, and account details. By providing personal data to the Company or signing up for any of the financing services offered by the Company, you agree and consent to the Company’s collection, use, disclosure and/or processing of your personal data for one or more of the following purposes:
- processing your enquiries and application for financing, credit services and products by the Company as well as services and products by other external providers provided through the Company if any;
- to process and manage your application(s) to the Company for the transaction you have requested (the “Transaction”);
- for the Company to provide you with any other services and products of the Company related to or similar with the Transaction;
- providing you with the services and products of the Company as well as services and products by other external providers provided through the Company;
- administering and/or managing your relationship and/or account(s) with the Company;
- carrying out your instructions or responding to your enquiries;
- carrying out due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or any risk management procedures put in place by the Company;
- dealing in any matters relating to the services and/or products which you are entitled to under your account or relationship with the Company;
- the recovery of any and all amounts owed by you to the Company;
- the process of reviewing your credit periodically, assessing and verification of your ongoing credit worthiness and standing;
- preventing, detecting and investigating fraud, misconduct, any unlawful action or omission, whether relating to your application or any other matter relating to your account(s), and whether or not there is any suspicion of the aforementioned;
- managing the Company’s infrastructure and business operations, and complying with policies and procedures that may be required by law or that may have been put in place by the Company including those relating to auditing, finance and accounting, billing and collections, IT systems, data and website hosting, training, testing, business continuity, and records, document and print management;
- processing of your payment instructions or direct debit facilities;
- generating internal reports in the Company (including but not limited to annual, operational and management reports);
- processing referral payments and commission fees to the Company’s external partners;
- administering fee adjustments, refunds and waivers in the Company;
- analysing your use of the Company’s products and services so as to help the Company improve, review, develop and efficiently manage the products and services offered to you in future;
- contacting you for the purpose of verifying your requests or instructions relating to your account;
- complying with applicable law in administering and managing your relationship with the Company;
- fulfilling any obligations imposed by the Company’s bankers or funders;
- making checks with the “Do Not Call Registry”; and/or
- any other purposes reasonably related to the Transaction and/or aforesaid as notified to you by the Company from time to time. (collectively, the “Purposes”)
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In carrying out one or more of the Purposes, the Company may need to disclose or share your personal data with any of the following parties (whether located within or outside Singapore) to carry out one or more of the Purposes and for the parties to subsequently collect, use, disclose and/or process your personal data where necessary for the Purposes:
- the Company's holding company and related corporations (as defined under the Companies Act 1967) (collectively, the "Group");
- any of the Company's authorized third party service providers or agents including but not limited to those who provide administrative, telecommunications, computer, IT support, payment, clearing or other services to the Company in connection with the provision and offering of the Company's products and services;
- any credit reference agency, rating agency, business partner, insurer or broker; bank or financial institution, and, in the event of your default, to debt collection agencies and solicitors appointed by the Company in the recovery of debts;
- any credit bureau;
- the Company's bankers, funders, auditors and professional advisors including its Company's secretary and solicitors;
- any person to whom the Company is under an obligation to make disclosure under the requirements of any law binding on the Company;
- any other person to whom disclosure is permitted or required by any statutory provision or law;
- the Company's permitted assigns;
- the Company's successors in title;
- any local or foreign regulatory body, government agency, statutory board, ministry, departments or other government bodies and/or its officials;
- any contracted persons or third parties engaged by the Company to provide data and document storage; and management services; and/or
- any authorized service providers whom the Company would necessarily need to cooperate, interact or work in one way or another in serving you or meeting your requests.
- If you do not wish for the Company to use your personal data for any of the above Purposes, you may withdraw your consent at any time by written notice to the Company pursuant to the Act. Depending on the circumstances and the nature/extent of your withdrawal, please note that any such withdrawal may result in the Company's inability to provide you with the services and products requested and hence may result in the termination of your application, relationship and/or account(s) with the Company and in such an event you agree that the Company shall not be liable for any loss or damage arising from the said termination.
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Where you have provided your consent to the Company, the Company may enroll you into product surveys and/or enable you to be kept informed of promotions, new services and products offered by the Company from time to time through SMS / MMS, fax, voice call, direct mail and/or email. If you wish to subsequently withdraw your consent, you may fill up a “Withdrawal of Consent” form available at www.mitsubishi-hc-capital.com.sg and submit it:
By email at dpo@mitsubishi-hc-capital.com.sg, or
By mail to:Mitsubishi HC Capital Asia Pacific Pte. Ltd.
111 Somerset Road #14-05
Singapore 238164
Attn: Data Protection Officer -
To the extent allowed under the Act, you may request the Company to provide you with or give you access to your personal data under the Company's possession or control or correct omission or errors in the same. Please note there are restrictions and exemptions to access and correction requests under the Act and if your request cannot be complied by the Company by reason of such restrictions you agree that the Company shall not be liable for any loss or damage arising from the said restrictions. The Company may charge a fee for producing or allowing you access to your personal data which fee the Company will provide an estimate upon my request in writing. Should you wish to request such access to, and/or correction of, your personal information, you may wish to fill up a “Personal Data Access Correction Request Form” available at www.mitsubishi-hc-capital.com.sg and submit it :
By email at dpo@mitsubishi-hc-capital.com.sg, or
By mail to:Mitsubishi HC Capital Asia Pacific Pte. Ltd.
111 Somerset Road #14-05
Singapore 238164
Attn: Data Protection Officer - You shall diligently ensure that all personal data, information or documents submitted to the Company is complete, accurate, true and correct and that your failure to do so may potentially result in the Company's inability to provide or continue to grant you with any of the products and services you seek or have requested from the Company and in such an event you agree that the Company shall not be liable for any loss or damage arising from the said inability. You agree, authorize and/or permit the Company to collect personal data relating to you from the Group or the Company’s authorized third party service providers or agents and/or business partners in the course of conducting business with you. If you provide the Company with any personal data relating to a third party (e.g. information of your next-of-kin, spouse, children, parents, employers), you warrant that you have obtained the prior consent from such third party for the Company to collect, use, process and disclose such personal data for the relevant purpose for which you made the disclosure or as was notified to you at the relevant time and all Purposes in this Privacy and Data Protection Policy, in accordance with all applicable laws, regulations and/or guidelines.
- For the avoidance of doubt, in the event that any law permits an organization such as the Company to collect, use or disclose your personal data without your consent, such permission granted by the law shall apply.
- Notwithstanding anything stated in any other documents that you may have entered into with the Company, in the event of any inconsistency, the terms of this Privacy and Data Protection Policy shall prevail.