Privacy Policy
 
1. Accountability

  1. We believe that responsible handling of the information entrusted to us is crucial in developing and maintaining the public trust.All information supplied by you to this on-line website and in application(s) will be used and processed fairly and lawfully while in our possession or custody. We ensure all users that we would be accountable for our organisation's compliance to our Privacy Policy.
  2. Should there be a requirement for data to be transferred to someone (other than the individual or the organisation or its employees),we will take reasonable steps to ensure that the data that is to be transferred will not be processed inconsistently with this Model Code.
  3. The identity of the person(s)designated by our organisation to oversee the organisation's compliance with the principles shall be made known upon request.

 
2. Specifying Purposes

  1. We collect personally identifiable information for the sole purpose of registering a user and for transactional purposes on our web site.
  2. Personal data collected, will not be used for a new purpose unless we obtain consent from users. We are the sole owner of the personally identitiable information collected on this site.
  3. Credit information we received from credit reporting sources and publicly available information from government and affiliated agencies are utilized to provide you with the products and services we offer.

 
3. Consent

  1. We do not collect sensitive information from users. We assure users that all personal information collected will be used or disclosed only for the purposes for which it was collected.
  2. We will obtain consent from users should we need to use the personal data for a new purpose or for a purpose not previously identified.We assured users that consent will be obtain prior to use of their personal data.
  3. Users may withdraw consent at any time ,subject to legal or contractual restrictions and reasonable notice. Users may only be subjected to consequences because of this decision where the information is required to fulfill the specified and legitimate purpose set out by the organisation.

 
4. Limiting Collection

  1. Personal data collection from registered users is for business purpose only. Both the amount and the type of data collected shall be limited to that which is necessary to fulfill the purpose identified.

 
5. Limiting Use,Disclosure and Retention

  1. We will not disclose, share, transfer, sell or ret personally identifiable information to any 3rd party.We do not send unsolicited marketing email to our users.Registered users will occasionally receive email on special promotions we hold.Out of respect for the privacy of our users, users may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email.
  2. We do not keep personal data for longer than is necessary for those purposes for which they are collected. Should we require the use of personal data for a new purpose, we will ensure that we will obtain approval from the user prior to using the personal data of the user for the new purpose.
  3. We have developed guidelines and implemented procedures to govern the destruction of personal. Should we require the use of personal data for a new purpose, we will ensure that we will obtain approval from the user prior to using the personal data of the user for the new purpose.
  4. Cookies and similar devices such as web bugs may be used by us so as to provide a better and more user friendly experience while using our web site.
  5. We will not display or make publicly available, whether through online directories,customer lists or otherwise, the personally identifiable information collected.

 
6. Accuracy

  1. We assure all users that all personal information collected is accurate and kept up to date. We will only make a request to users for updates of personal data if the update is necessary to fullfill the purposes for which the data was collected.We don not maintain duplicate copies of personal information in different systems.

 
7. Safeguards

  1. We assure all users that appropriate security safeguards are in place to protect personal data against unauthorised access, misuse, disclosure, copying, use, alteration, accidental loss or theft, destruction or damage.
  2. Only authorised personals have access to our systems.Consultants, contractors or other temporary employees do not have access to the data.
  3. All employees in our organisation are aware of the importance of maintaining confidentiality of the personal data collected from users.Circulars are distributed to all employees to ensure they are aware of the compliance.

 
8. Openness

  1. Our data protection policy(Privacy Policy) is displayed on the web site and the policy is set out in the same language medium as the web site.We encourage all users to read our Privacy Policy to understand the objective of collection their personal data.
  2. Users can write to us to request to obtain details of personal data submitted to our organisation.
  3. All complaints and requests can be made to the following email address cs@experian.com

 
9. Individual Access and Correction

  1. We allow users the right to access their personal information.Users can access their personal information by using their respective username and password to gain access to their personal information.
  2. If your personal identity information changes,or if you no longer desire our service,you may correct, update your personal data at the member information page or by emailing our Customer Support.
  3. We will respond to our customer's request within a reasonable time and we charge a fee for providing the information or data requested for.

 
10. Challenging Compliance

  1. Our mechanisms and processes are in place to receive and address complaints or inquiries about our policies and procedures relating to the handling of personal data.Appropriate measures will be taken to amend policies and procedures if a complaint is found to be justified.

 
11. Protection of Minors

  1. Minors(users under the age of 18 years) are not eligible to use our services or purchase any products online unsupervised.
  2. We request that minors do not submit any personal information to us online.If you are under the age of 18 years,you may only browse the web site only if you have obtained consent from your parents/legal guardian or if you are under the supervision of your parent or legal guardain.

 
12. Links

  1. This web site contains links to other sites.Please be aware that we are not responsible for the privacy practices of such other sites.This Privacy Policy applies solely to information collected by this website.

 
Feedback

Alternatively,customers may refer their complaints to the ConsumerTrust Secretariat if they are not satisfied with the resolution of the complaint.Complaints can be referred to

ConsumerTrust Secretariat

Mr. Ramesh Vakkiprath
35,Selegie Road,#09-25,Parklane,Singapore 188307
Email:ramesh@cnsg.com.sg ; http://www.cnsg.com.sg