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ACE MORTGAGE ADVISORY – PRIVACY POLICY

Last updated: 16 May 2025

Your privacy is important to us. This Privacy Policy outlines how Ace Mortgage Advisory Pte Ltd (“Ace Mortgage”, “we”, “us”, or “our”) collects, uses, discloses, and protects your personal data in accordance with the Singapore Personal Data Protection Act 2012 (“PDPA”).

This policy applies to all users, clients, prospective customers, service providers, vendors, and visitors to our website (www.acemortgage.sg), as well as individuals whose personal data we may collect in the course of providing mortgage advisory services.


SUMMARY

  • We only collect personal data relevant to delivering mortgage advice and connecting you with financial institutions.
  • We do not sell your data.
  • You can withdraw consent at any time.
  • Your data is protected and stored securely.
  • We comply with the PDPA and ensure our partners do too.


1. WHAT IS PERSONAL DATA?

“Personal data” refers to any information that can identify you, directly or indirectly. This includes:

  • Full name, NRIC, passport or other identification numbers
  • Contact details (email, phone, address)
  • Date of birth, gender, nationality
  • Financial information (income, CPF usage, loan eligibility, credit details)
  • Property ownership details
  • Employment information
  • IP address or device information (when interacting with our site)


2. HOW WE COLLECT YOUR DATA

We may collect personal data through:

  • Direct submissions (contact forms, WhatsApp, email, in-person meetings)
  • Online calculators, quote requests, or application forms
  • Phone calls or WhatsApp chats with our advisors
  • Referrals from partners or third parties (with your consent)
  • Public sources (e.g. LinkedIn, public directories)
  • Cookies or web analytics tools when you browse our website
  • You are not obliged to provide personal data, but withholding it may limit our ability to serve you.


3. WHY WE COLLECT AND USE YOUR DATA

We use your data only for legitimate purposes, including:

  • Assessing your mortgage needs and financial eligibility
  • Providing advice on suitable mortgage loan packages
  • Liaising with banks or financial institutions on your behalf
  • Contacting you with updates, application progress or reminders
  • Sending you marketing or promotional material (with your consent)
  • Fulfilling legal and compliance obligations
  • Conducting customer research, surveys, or reviews
  • Preventing fraud or misuse of our services


4. DISCLOSURE OF YOUR DATA

We do not sell your data. However, we may disclose it to:

  • Partner banks or financial institutions for loan processing
  • Mortgage brokers or referral partners you are working with
  • Technology vendors (e.g. CRM, email systems) under strict confidentiality
  • Legal, regulatory, or law enforcement agencies when required
  • Our professional advisors (lawyers, auditors, etc.)
  • We will only disclose what is necessary and take steps to ensure third parties protect your data.


5. COOKIES & WEBSITE ANALYTICS

We use cookies and analytics tools to improve your website experience. These tools may collect anonymous information such as:

  • Browser type and version
  • Device and screen resolution
  • Pages visited and time spent
  • Referral sources

You may block cookies via your browser settings, but doing so may affect site functionality.


6. MARKETING COMMUNICATIONS

We may contact you via email, SMS, or WhatsApp about mortgage news, rate updates, or offers — only if:

  • You have provided clear consent; or
  • You are an existing client with whom we have an ongoing advisory relationship.

You may opt out anytime by contacting us or clicking the unsubscribe link in our messages.


7. HOW WE PROTECT YOUR DATA

We implement reasonable administrative, technical, and physical safeguards to:

  • Prevent unauthorized access, alteration, or disclosure
  • Secure our digital platforms, cloud services, and internal systems
  • Limit data access only to authorized personnel with a need-to-know basis


8. CROSS-BORDER DATA TRANSFER

Your data is primarily stored in Singapore. If transferred overseas (e.g. cloud hosting), we ensure the receiving party provides data protection standards comparable to Singapore’s PDPA.


9. DATA RETENTION

We retain your data only as long as necessary to fulfill the purposes outlined above, or as required by law. If data is no longer needed, it is securely deleted or anonymized.


10. ACCESS & CORRECTION REQUESTS

You may:

  • Request access to your personal data
  • Correct or update inaccurate data
  • Withdraw consent to data use

We may charge a reasonable fee for processing access requests. Please contact our Data Protection Officer (DPO) via our contact form.

We will respond within 30 days in accordance with PDPA requirements.


11. THIRD-PARTY LINKS

Our website may contain links to other sites (e.g. partner banks). We are not responsible for their content or privacy practices. Please review their policies before submitting personal data.


12. RECRUITMENT DATA

If you submit a job application to us, we will collect and process your personal data solely for evaluating your candidacy. We retain applicant data only as long as necessary for recruitment and compliance purposes.


13. UPDATES TO THIS POLICY

We may update this Privacy Policy to reflect changes in regulations, business operations, or technology. All updates will be posted on www.acemortgage.sg. Your continued use of our services constitutes acceptance of the updated terms.


14. CONTACTING US

If you have any questions, feedback, or concerns about our privacy practices, please contact:

Data Protection Officer (DPO) via Contact Form: https://acemortgage.sg/contact-us/

Please write Subject line: “PERSONAL DATA”

We will respond as soon as reasonably possible and in accordance with PDPA timelines.