Privacy Policy

Aprove Asia Pte. Ltd. (“we”, “us”, or “our”) respects your privacy and is committed to protecting your personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data when you interact with us—whether via our website, mobile platforms, or other channels.

1. Introduction

By accessing our services, submitting information through our website, or otherwise engaging with us, you consent to the collection, use, and disclosure of your personal data as described in this policy.

2. Types of Personal Data

Personal data refers to any data that directly or indirectly identifies you or any third party related to you, which has been collected or provided to Aprove Asia Pte. Ltd. for the purposes outlined in Section 4 (Purposes of Collecting and Processing Personal Data). This may include, but is not limited to:

Full name, identification details (e.g., national identification number, passport number, or other government-issued identifiers).
Contact information, including phone numbers, email addresses, and mailing addresses.
Business and financial information (e.g. company name, UEN, bank statements, income)
Employment details
Loan application-related information
Financial and banking details, including payment information and transaction history.
Information regarding family members, relatives, or any third parties you provide to us.
Preferences and purchasing history related to our products and services.
Information collected through cookies and similar technologies.
CCTV/security recordings, biometric data, and location tracking/GPS information.
Any other personal data you provide through various channels.

3. How We Collect Your Data

We may collect personal data through the following channels:

Our official website and third-party websites affiliated with us.
Mobile applications provided by Aprove Asia Pte. Ltd.
Online or electronic forms submitted through our platforms.
Physical forms submitted at our premises or public venues.
Communication via email, phone, or other correspondence.
Social media platforms and messaging services
Face-to-face meetings or events
Automated technologies such as cookies, analytics tools, and tracking pixels.

4. Purpose of Collecting Processing Your Personal Data

We collect and process your personal data in compliance with applicable laws and for legitimate business purposes. This includes, but is not limited to, the following:

Assessing your loan eligibility and submitting loan applications
Facilitating communication between you and financial institutions
To process and fulfill your requests for products or services.
To facilitate your participation in promotions, contests, loyalty programs, or events.
To communicate with you regarding our services, offers, and updates.
To process payments, refunds, and financial transactions related to your purchases.
To provide after-sales support, customer service, and complaint resolution.
To maintain the safety and security of our premises and digital platforms.
To conduct internal investigations, audits, and security assessments.
To comply with health, safety, and regulatory standards.
To conduct data analytics and market research to improve our products and services.
To personalize and tailor our services based on your preferences.
To provide recommendations, targeted advertising, and customized marketing materials.
To engage in partnerships and collaborations with third parties for marketing and promotional activities.
To send seasonal greetings, promotional messages, and event invitations.
To comply with applicable laws, regulations, and industry guidelines.
To meet our contractual obligations with business partners, regulators, and governing authorities.
To ensure optimal functionality and user experience on our website and mobile applications.
To store data securely and enable seamless interaction across digital platforms.
To manage and integrate loyalty programs and third-party reward systems.
To maintain internal records and support customer relationship management.

By providing your personal data, you acknowledge and consent to its collection, processing, and storage for the purposes stated above. We ensure that all personal data is handled responsibly and in accordance with data protection laws.

5. Disclosure of Personal Data

5.1 Disclosure to Affiliated Entities

Your personal data may be shared with our parent company, Aprove Ventures Sdn Bhd (Malaysia), and other affiliated or associated entities within our corporate group, whether located in Singapore or overseas. Such sharing is conducted strictly for the purposes outlined in Section 4 (Purposes of Collecting and Processing Your Personal Data), and in compliance with applicable data protection laws.

Access to your personal data is restricted to authorized employees, agents, or contractors who require it to perform their duties and are bound by strict confidentiality obligations.

5.2 Disclosure to Third Parties

We may also disclose your personal data to third parties where required by law, where necessary for the performance of a contract, or where it is reasonably required for our operational, administrative, or business purposes. These third parties may include, but are not limited to:

Professional Service Providers – Auditors, legal counsel, tax advisors, and other professional advisors.
Payment Processing & Financial Institutions – Banks, lenders, payment gateways, and related providers.
Marketing & Advertising Partners – Agencies involved in analytics, targeted advertising, or promotions.
Cloud, IT & Data Security Providers – Vendors supporting hosting, system security, and infrastructure.
Customer Support Platforms – CRM providers, call centers, and survey/feedback processors.
Market Research Firms – Parties conducting surveys, research, or consumer behavior analysis.
Logistics & Courier Partners – Service providers for physical document delivery or fulfillment.
Social Media & Digital Channels – Platforms we use to communicate or engage with users.
Business & Strategic Partners – Joint ventures or third parties offering complementary products and services.
Regulatory & Government Authorities – Where disclosure is required by law or regulation.

In the event of a corporate transaction (e.g., merger, acquisition, restructuring, or asset sale), your personal data may be transferred to relevant third parties involved. We will ensure such parties are contractually obligated to handle your data in accordance with applicable data protection laws and appropriate safeguards.

5.3 International Data Transfers

Where necessary, we may transfer your personal data to our parent company, Aprove Ventures Sdn Bhd (Malaysia), or to other third parties or affiliates located outside of Singapore. These transfers will only be made for purposes consistent with those outlined in this Privacy Policy, such as loan application processing, service coordination, or compliance with regulatory requirements.

We will ensure such transfers comply with the PDPA by using legally binding agreements or other safeguards. This includes implementing legally recognised safeguards such as:

Contractual clauses or agreements ensuring adequate data protection standards
Binding corporate rules (where applicable)
Other lawful mechanisms approved under the PDPA

By using our services or providing your personal data, you consent to the transfer of your data outside Singapore, subject to appropriate safeguards as required by law.

6. Use of Cookies and Website Data

6.1. External Links

Our website may contain links to third-party websites for your convenience. Please note that these websites have their own privacy policies, which we recommend reviewing. We do not control or take responsibility for their content or how they handle your information.

6.2. Cookies

We may use cookies or similar technologies to enhance your browsing experience and analyse traffic. Cookies are small text files stored on your device that help us recognize you when you visit our website. During your visit, these may collect information such as:

IP address and browser type
Time and date of visit
Pages visited and time spent

Some website features may require you to provide personal details, such as login credentials or contact information. These details will only be used for their intended purpose, such as responding to your inquiries or providing requested services.

You may manage cookie settings in your browser. Continued use of our website implies consent to the use of such technologies.

7. Data Security

7.1 Security Measures

We are committed to safeguarding your personal information and have implemented reasonable physical, technical, and procedural measures to prevent accidental loss, unauthorized access, misuse, alteration, or disclosure of your data. All personal information collected is securely stored on protected servers, and we continuously review our security practices to ensure compliance with industry standards and legal requirements.

Employee access to personal data is strictly controlled and limited to authorized personnel only.
Unique user IDs and secure passwords are assigned to authorized employees for system access.
Access credentials are promptly deactivated when no longer required.
Data storage areas are secured with controlled access, limiting entry to authorized personnel only.
Regular updates and maintenance of backup and recovery systems to prevent data loss.
Deployment of up-to-date anti-virus and malware protection to safeguard against cyber threats.
Firewalls and encryption technologies are used to secure digital data.
Any authorized transfer of data is recorded and conducted with appropriate safeguards in place.
Third-party service providers processing personal data on our behalf must comply with stringent security protocols and contractual obligations.
Data transfers to cloud services are conducted in accordance with data protection laws, both locally and internationally.
Access logs are maintained and periodically reviewed to ensure data security compliance.

7.2 Limitations & Responsibilities

Despite our efforts to implement robust security measures, data transmission over the internet carries inherent risks. While we take all reasonable steps to protect your personal information, we cannot guarantee absolute security of data transmitted through our website or online platforms. We encourage users to take precautions when sharing personal information online, such as using strong passwords and avoiding public networks for sensitive transactions. Should any unauthorized access or security breach occur, we will take immediate action in accordance with applicable laws and industry best practices.

8. Retention of Personal Data

We retain personal data only as long as necessary for business or legal purposes. Data no longer needed will be securely deleted or anonymized.

9. Your Rights

As a user of our services, you have certain rights under Singapore’s data protection laws. These rights help you understand and control how your personal data is collected, used, and disclosed. Subject to applicable legal and operational limitations, you have the right to:

Request access to your personal data in our possession or control.
Request correction or updating of any inaccurate, incomplete, or outdated personal data.
Withdraw your consent at any time for the collection, use, or disclosure of your personal data, where such processing is based on consent.
Request deletion or cessation of use of your personal data, where it is no longer necessary for the purposes for which it was collected, and where retention is not required under law or for legitimate business needs.
Opt out of receiving marketing communications from us at any time, either through the unsubscribe option provided or by contacting us directly.

To exercise any of your rights or make an enquiry, please contact us at the details provided below.

10. Contact Us

For questions, feedback, or data access requests, please contact:

Company: Aprove Asia Pte. Ltd.

Address: 7 Holland Village Way,
One #05-03/05 Holland Village Singapore 275748

Email: maywong@aproveasia.com.sg

Contact Number: +65 8614 0288