Privacy Policy

InterestRates.sg ("we", "our", or "us") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By using our platform, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our services.

Personal Information

• Contact Information: Name, email address, phone number when you contact us or subscribe to updates
• Application Data: Information provided when applying for financial products through our platform
• Communication Records: Records of correspondence when you contact our support team
• Survey Responses: Feedback and survey responses you voluntarily provide

Automatically Collected Information

• Usage Data: Pages visited, time spent, click patterns, and navigation behavior
• Device Information: IP address, browser type, device type, operating system
• Location Data: General geographic location based on IP address
• Cookies & Tracking: Data collected through cookies and similar tracking technologies

Third-Party Information

• Social Media: Public information from social media platforms if you interact with our content
• Analytics Providers: Data from Google Analytics and other analytics services
• Marketing Partners: Information from advertising and marketing partners

Service Provision

• Provide and maintain our comparison platform
• Process applications for financial products
• Customize content and recommendations based on your interests
• Respond to your inquiries and provide customer support

Communication

• Send newsletters and market updates (with your consent)
• Notify you about changes to our services
• Provide customer support and respond to inquiries
• Send important announcements and security alerts

Analytics & Improvement

• Analyze website usage and user behavior
• Improve our platform functionality and user experience
• Conduct research and develop new features
• Monitor and analyze trends in financial markets

Legal & Security

• Comply with legal obligations and regulatory requirements
• Detect and prevent fraud, security breaches, and technical issues
• Enforce our terms of service and protect our rights
• Respond to legal requests and court orders

Financial Institutions

When you apply for financial products through our platform, we share necessary information with the relevant banks or financial institutions to process your application.

Service Providers

• Analytics Providers: Google Analytics, Hotjar (anonymized data only)
• Email Services: Mailchimp, SendGrid for newsletter and communications
• Hosting Providers: Cloud hosting services that store our data securely
• Customer Support: Third-party tools for managing customer inquiries

Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety, or that of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

We implement appropriate technical and organizational security measures to protect your personal data:

• Encryption: All data transmission is encrypted using SSL/TLS
• Access Controls: Limited access to personal data on a need-to-know basis
• Regular Audits: Periodic security assessments and vulnerability testing
• Secure Storage: Data stored in secure, encrypted databases
• Staff Training: Regular privacy and security training for all team members

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

Under Singapore's PDPA, you have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Correction: Request correction of inaccurate or incomplete data
• Right to Withdrawal: Withdraw consent for data processing (where consent is the legal basis)
• Right to Deletion: Request deletion of your personal data in certain circumstances
• Right to Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to certain types of data processing

How to Exercise Your Rights

To exercise any of these rights, please contact us at privacy@interestrates.sg. We will respond to your request within 30 days as required by PDPA.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website. For more information about cookies, visit www.allaboutcookies.org.

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically.