Privacy Policy

1. Personal Data We Collect

We may collect personal data you provide or authorise us to retrieve, including:

• Name and identification details;
• Contact information;
• Residential, employment and financial information;
• Documents submitted for verification;
• Singpass/MyInfo information (where authorised); and
• Device, browser, cookies and website usage information.

We collect only the personal data reasonably necessary to provide our services.

2. How We Use Your Personal Data

We may use your personal data to:

• Process and assess your enquiry or application;
• Match you with suitable financial products and services;
• Verify your identity and information;
• Communicate with you;
• Improve our website and services;
• Prevent fraud, abuse and security threats; and
• Comply with applicable laws and regulations.

Where you authorise Singpass/MyInfo retrieval, we will use that information only for the purposes for which you gave consent.

3. Disclosure of Personal Data

We may disclose your personal data to:

• Our partners (including network partners, licensed financial institutions and banks);
• Service providers supporting our business operations;
• Government or regulatory authorities where required or permitted by law; or
• Other parties where you have given consent or where permitted by law.

We may also disclose your personal data where reasonably necessary to protect our rights, investigate fraud, respond to security incidents or comply with legal obligations.

We do not sell your personal data.

4. Cookies

We use cookies and similar technologies to improve website functionality, analyse performance and enhance your experience.

Where required by law, non-essential cookies will only be used with your consent. You may disable cookies through your browser settings, although some features may not function properly.

5. Protection of Personal Data

We take reasonable administrative, technical and organisational measures to protect your personal data.

However, no website, network or electronic transmission is completely secure. To the maximum extent permitted by Singapore law, we cannot guarantee absolute security and are not responsible for losses arising from cyberattacks, unauthorised access, malware, data breaches, system failures or other events beyond our reasonable control.

6. Your Rights

Subject to applicable law, you may request access to or correction of your personal data, or withdraw your consent where permitted. Withdrawal of consent may affect our ability to provide certain services.

7. Retention of Personal Data

We retain your personal data only for as long as it is necessary to fulfil the purposes for which it was collected, or as required by Singapore law, regulatory obligations, dispute resolution and legitimate business or audit needs.

As a general guide, enquiry and application records are retained for up to six (6) years from your last interaction with us, after which the personal data is securely deleted or anonymised. Singpass/MyInfo data is retained only for the period necessary to assess your application and to meet our regulatory record-keeping obligations.

Full details of how long each category of data is kept are set out in our Data Retention Policy.

8. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for their content, privacy practices or security. Your use of those websites is subject to their own terms and policies.

9. Children’s Privacy

Our services are intended only for individuals aged 21 years and above. We do not knowingly collect personal data from anyone under the age of 21.

If we become aware that personal data has been collected from an individual under 21, we will take reasonable steps to delete it as soon as practicable.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes take effect once published on this website. Where appropriate, we may notify users of material changes before they become effective. Your continued use of our website or services after the updated Privacy Policy takes effect constitutes your acceptance of the revised version.

11. Contact Us

If you have any questions about this Privacy Policy or your personal data, please contact us at:

Email: hello@onecompare.sg

12. Governing Law

This Privacy Policy is governed by the laws of the Republic of Singapore. Any dispute relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of Singapore.