MortgageLogic Privacy Notice

MortgageLogic Privacy Notice

At MortgageLogic, we respect your privacy and are committed to protecting the personal data you share with us. This Privacy Notice explains how we collect, use, disclose, store, and protect your personal data when you visit our website, use our calculators or comparison tools, submit an enquiry, or engage us for mortgage-related services.

This Privacy Notice should be read together with our website terms of use and any other notices or consent forms that may apply to specific services provided by MortgageLogic.

1. About This Privacy Notice

This Privacy Notice applies to all visitors, users, clients, prospective clients, business partners, vendors, service providers, and any other individuals who interact with MortgageLogic through our website, online forms, email, telephone, messaging platforms, or other communication channels.

For the purposes of this Privacy Notice, "Personal Data" refers to any information that can identify an individual, either on its own or together with other information. This may include your name, contact number, email address, residential address, financial information, loan-related information, property details, employment details, income information, identification information, and any other information you provide to us.

2. Our Commitment to Data Protection

MortgageLogic will handle your personal data in accordance with the Personal Data Protection Act 2012 of Singapore, where applicable. We take reasonable steps to ensure that your personal data is collected, used, disclosed, and stored responsibly and securely.

By using our website, submitting your personal data to us, or engaging with MortgageLogic, you consent to the collection, use, disclosure, and processing of your personal data as described in this Privacy Notice.

3. Personal Data We May Collect

Depending on your interaction with MortgageLogic, we may collect personal data such as:

• Your name, contact number, email address, and mailing address.
• Property-related information, including property type, purchase price, loan amount, tenure, and ownership details.
• Financial information relevant to mortgage assessment, such as income, employment status, existing loan obligations, CPF usage, and debt commitments.
• Information submitted through our Mortgage Calculator, TDSR Calculator, Rate Comparison Tool, enquiry forms, or other online tools.
• Documents or supporting information that you voluntarily provide for mortgage advisory, loan comparison, or referral purposes.
• Communication records, including emails, calls, WhatsApp messages, forms, and enquiry history.
• Technical information such as IP address, browser type, device information, cookies, website usage data, and analytics information.

We will only collect personal data that is reasonably necessary for the purposes described in this Privacy Notice.

4. How We Collect Personal Data

We may collect your personal data when you:

• Visit or browse our website.
• Use our calculators, rate comparison tools, or online forms.
• Submit an enquiry or request a mortgage consultation.
• Communicate with us by phone, email, WhatsApp, contact form, or other channels.
• Provide documents or information for mortgage assessment or loan comparison.
• Subscribe to updates, newsletters, or marketing communications.
• Participate in surveys, promotions, or feedback exercises.
• Engage with our business partners, referral partners, or service providers in connection with MortgageLogic's services.

Where permitted by law, we may also receive personal data from third parties such as banks, financial institutions, referral partners, credit assessment providers, or publicly available sources, where such information is relevant to your enquiry or requested service.

5. Purposes for Collecting, Using, and Processing Personal Data

MortgageLogic may collect, use, and process your personal data for purposes including:

• Responding to your enquiries.
• Providing mortgage-related information, advisory support, loan comparison, or referral services.
• Assessing your preliminary loan eligibility, affordability, TDSR position, or refinancing options.
• Assisting with mortgage applications, refinancing enquiries, or communications with banks and financial institutions.
• Preparing indicative calculations, comparisons, summaries, or financing options.
• Verifying information provided by you where necessary.
• Communicating with you regarding your enquiry, application, or requested service.
• Improving our website, calculators, tools, services, and customer experience.
• Conducting market research, data analysis, internal reporting, and service improvement.
• Sending you updates, educational content, promotional information, or marketing communications, where permitted by law or with your consent.
• Complying with legal, regulatory, administrative, or internal business requirements.
• Protecting the rights, property, security, and legitimate interests of MortgageLogic, our users, and our partners.

If you do not provide the personal data requested, we may not be able to respond to your enquiry, provide accurate estimates, assist with mortgage comparisons, or support your property financing needs.

6. Disclosure of Personal Data

MortgageLogic may disclose your personal data where necessary and appropriate to:

• Banks, financial institutions, mortgage specialists, or lending partners.
• Referral partners, business partners, or service providers involved in providing mortgage-related services.
• Technology providers, website hosting providers, analytics providers, form providers, CRM systems, or administrative support providers.
• Professional advisers, including lawyers, accountants, auditors, consultants, or compliance advisers.
• Government agencies, regulators, law enforcement bodies, or other authorities where required by law.
• Any party to whom disclosure is necessary to provide our services, protect our legal rights, or comply with applicable obligations.

We will take reasonable steps to ensure that third parties who receive your personal data are required to protect it and use it only for the purposes for which it was disclosed.

7. Cookies and Website Analytics

Our website may use cookies, analytics tools, tracking technologies, or similar technologies to improve website functionality, understand visitor behaviour, enhance user experience, and improve our content and services.

Cookies may collect information such as your IP address, browser type, device type, pages visited, time spent on the website, and general usage patterns. This information is generally used for analytics and website improvement purposes.

You may adjust your browser settings to block or delete cookies. However, some parts of our website or online tools may not function properly if cookies are disabled.

8. Marketing Communications

Where permitted by law, MortgageLogic may use your contact details to send you relevant updates, mortgage insights, refinancing information, property financing content, promotional materials, or service-related communications.

You may opt out of receiving marketing communications from us at any time by contacting us or following the unsubscribe instructions provided in our communications.

Even if you opt out of marketing messages, we may still contact you regarding ongoing enquiries, service-related matters, legal notices, or administrative communications.

9. Accuracy of Personal Data

We rely on you to provide accurate, complete, and updated information. Please inform us promptly if your personal data changes or if you believe that any information we hold about you is inaccurate or incomplete.

MortgageLogic will take reasonable steps to ensure that personal data used by us is accurate and complete where necessary for the purposes for which it is used.

10. Protection and Security of Personal Data

MortgageLogic takes reasonable administrative, technical, and organisational measures to protect personal data against unauthorised access, collection, use, disclosure, copying, modification, disposal, loss, or similar risks. However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal data, we cannot guarantee absolute security.

11. Retention of Personal Data

We will retain your personal data only for as long as it is reasonably necessary to fulfil the purposes for which it was collected, to provide services to you, to comply with legal or regulatory requirements, or for legitimate business purposes.

When personal data is no longer required, we will take reasonable steps to delete, anonymise, or securely dispose of it.

12. Access and Correction Requests

You may request access to the personal data that MortgageLogic holds about you, or request correction of any inaccurate or incomplete personal data. We may need to verify your identity before processing your request. Where permitted by law, we may charge a reasonable administrative fee for processing certain access requests.

We will respond to your request within a reasonable time, in accordance with applicable data protection laws.

13. Withdrawal of Consent

You may withdraw your consent for the collection, use, or disclosure of your personal data by contacting us.

Please note that withdrawing consent may affect our ability to continue providing certain services to you, including responding to enquiries, assisting with mortgage comparisons, or supporting loan-related requests.

14. Third-Party Websites

Our website may contain links to third-party websites, platforms, banks, financial institutions, or partner websites. MortgageLogic is not responsible for the privacy practices, content, or security of these third-party websites.

You should review the privacy notices of those third-party websites before providing any personal data to them.

15. Updates to This Privacy Notice

MortgageLogic may update this Privacy Notice from time to time to reflect changes in our services, website features, legal obligations, or data protection practices. The latest version of this Privacy Notice will be published on our website. Your continued use of our website or services after any update indicates your acceptance of the revised Privacy Notice.

16. Contact Us

If you have any questions, feedback, requests, or complaints regarding this Privacy Notice or how MortgageLogic handles your personal data, please contact us at:

MortgageLogic
Email: enquiry@mortgagelogic.sg
Website: mortgagelogic.sg