‘Our’, ‘Us’ and ‘We’ refers to the BANKGOODRATES.com, Perfect Care Group of companies and its Related and Associate Partnership Companies. Perfect Care group includes but is not limited to, Perfect Care Pte Ltd, Perfect Care Consultant Pte Ltd.
‘Credit Information’ is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, Credit Information is exchanged between credit and finance providers and credit reporting bodies.
‘Personal Information’ is any ‘information or an opinion about an identified individual, or an individual who is reasonably identifiable’:
- whether the information or opinion is true or not; and
- whether the information or opinion is recorded in a material form or not.
When we refer to Personal Information, it also includes Credit Information.
‘Sensitive Information’ is a subset of Personal Information defined as:
A. information or an opinion about an individual’s:
- racial or ethnic origin; or
- political opinions; or
- membership of a political association; or
- religious beliefs or affiliations; or
- philosophical beliefs; or
- membership of a professional or trade association; or
- membership of a trade union; or
- sexual orientation or practices; or
‘You’ and ‘Your’ refers to Our customers and prospective customers. It also refers generally to users of Our websites.
We recognise that your privacy is very important to you. We are committed to ensuring the privacy of your personal information.
The Personal Data Protection Act sets minimum standards for how private sector organisations such as us should collect, use, disclose, store, provide access to and correction of Personal Information.
Our current Privacy Policy is detailed below. It is current as of and from 1 March 2014. We suggest that you read it thoroughly.
By visiting our website, applying for, renewing or using any of our products or services, or providing us with your personal information, you agree to your personal information being collected, held, used and disclosed as set out in this Privacy Policy.
Please note that during the course of our relationship with you, we may tell you more about how we handle your Personal Information. When you receive this further information, please consider it carefully and visit our website regularly.
This policy may change from time to time and all changes will be posted on Our websites so please check it periodically
The Personal Information we collect depends on the products and services we offer you or you use or apply for (and may also require us to collect Personal Information about other people such as a co-borrowers, or your spouse, partner or children). Typically the details we collect and hold include your name, contact details (address, phone and fax number, email address), date of birth, gender and payment details. We may also collect information that is specific to a particular product.
We collect personal information to provide, offer and administer our various products and services, or otherwise as permitted by law. Such purposes include responding to your enquiries, providing you with assistance you request of us, maintaining and administering our products and services (for example processing requests for information, undertaking pre-qualifications and preliminary credit assessments, applications for a home loan, collection of supporting materials, communicating approvals and other directions from the lender); processing your survey or questionnaire responses; market research and the collection of general statistical information using common internet technologies such as cookies; providing you with marketing information regarding other products and services (of ours or a third party); quality assurance and training purposes; performing administrative operations (including accounting and risk management) and any other purpose identified at the time of collecting your information.
We will only collect ‘sensitive information’ where it is relevant to the approval of an application for a home loan. We may use or disclose it by giving it to related companies or your lender. Your sensitive information will not be used or disclosed for any other purpose unless we have your permission.
We may combine or link personal information we already hold about you to other personal information we collect about you. Third party marketing service providers may combine the personal information we disclose to them with information they already hold about you, in order to provide you with more relevant advertising about our or their products and services.
Third parties are prohibited from using your personal information for purposes other than those for which it is supplied.
If you do not consent to us collecting, using or disclosing all or some of the personal information we request, we may not be able to provide you with our products or services such as processing your application for a home loan. It may also prevent the provision of information regarding our products or services or those of any third party.
We collect your Personal Information from you in various ways and at several different points, including via telephone (including any form of mobile phone text messaging), our website, hard copy forms or email.
Unless it is unreasonable or impracticable for us to do so, we collect your Personal Information directly from you. There may, however, be occasions where we collect your Personal Information from someone else.
