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Privacy Policy

Privacy & Personal Data Protection Policy

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Last Updated: October 2026

 

Fong Chin Capital (“Fong Chin Capital”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal data entrusted to us.

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This Privacy & Personal Data Protection Policy explains how we collect, use, disclose, process, store and protect your personal data in accordance with the Personal Data Protection Act 2012 of Singapore (“PDPA”), the Moneylenders Act 2008, applicable Moneylenders Rules, regulatory requirements and other applicable Singapore laws.

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1. Personal Data We Collect

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When you make an enquiry, apply for a loan, enter into a loan agreement or otherwise deal with Fong Chin Capital, we may collect personal data that is reasonably necessary to assess, process, administer and service your loan.

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This may include:

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Identity and Contact Information

  • Full name

  • NRIC or FIN number

  • Date of birth

  • Nationality and residency status, where applicable

  • Residential or correspondence address

  • Mobile number and email address

  • Other identification information required for identity verification

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Employment and Income Information

  • Employment status

  • Employer details

  • Occupation

  • Salary and other income information

  • Payslips

  • Income tax Notices of Assessment

  • Bank statements or other documents reasonably required to verify income and financial circumstances

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Loan Information

  • Loan amount requested

  • Purpose of the loan, where applicable

  • Existing and previous loans

  • Loan balances

  • Repayment schedules and repayment history

  • Details relating to the administration, repayment or restructuring of a loan

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Credit and Financial Information

  • Existing financial obligations

  • Credit and repayment history

  • Information obtained from the Moneylenders Credit Bureau (“MLCB”) and other authorised sources, where permitted or required

  • Information necessary to assess your ability to repay a loan

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Declarations and Supporting Information

  • Bankruptcy or insolvency declarations

  • Relevant financial declarations

  • Supporting documents and information required for responsible lending, affordability assessment, regulatory compliance, fraud prevention and other lawful purposes.

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We will only collect personal data that is reasonably necessary for legitimate business, lending, regulatory or legal purposes.

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2. How We Use Your Personal Data

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We may collect, use and disclose your personal data for purposes including:

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  • verifying your identity;

  • processing and assessing your loan application;

  • assessing your income, financial circumstances and ability to repay;

  • carrying out credit and affordability assessments;

  • obtaining and reviewing information from the MLCB and other authorised sources;

  • determining an appropriate loan amount and loan terms;

  • preparing, administering and servicing your loan;

  • maintaining and updating your loan and repayment records;

  • processing repayments and managing outstanding amounts;

  • communicating with you regarding your application, loan or account;

  • considering requests for repayment arrangements or loan restructuring;

  • detecting, preventing and investigating fraud or unlawful activity;

  • carrying out customer due diligence and other compliance checks;

  • complying with anti-money laundering and countering the financing of terrorism requirements;

  • complying with the Moneylenders Act, Moneylenders Rules, directions and requirements of the Registry of Moneylenders and other applicable laws and regulatory requirements;

  • responding to requests from courts, regulators, government agencies or law enforcement authorities where permitted or required by law; and

  • maintaining appropriate business, accounting, compliance and regulatory records.

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We will not use your personal data for purposes that are unrelated to the purposes for which it was collected unless we have obtained the appropriate consent or the use is otherwise permitted or required by law.

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3. NRIC, FIN and Identification Documents

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Fong Chin Capital may collect and use NRIC, FIN or other identification information where this is required or permitted by law, or where it is necessary to accurately establish or verify your identity to the appropriate degree of certainty.

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Where physical identification documents are required for verification, they will be inspected in accordance with applicable moneylending requirements.

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Fong Chin Capital will not retain your physical NRIC, FIN card, passport, work permit, employment pass, ATM card or other original identification document as security for a loan.

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We will never ask you to provide passwords, PINs or login credentials for your Singpass, internet banking, email or other personal accounts.

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4. Face-to-Face Identity Verification

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Where required under Singapore's licensed moneylending requirements, borrowers must attend Fong Chin Capital's approved place of business for face-to-face identity verification before a loan is granted.

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Information submitted online may be used to facilitate an enquiry or application process, but submission of information online does not by itself constitute final approval or grant of a loan.

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5. Consent and Withdrawal of Consent

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Where consent is required under the PDPA, by voluntarily providing personal data to us for a stated purpose, you consent to Fong Chin Capital collecting, using and disclosing that information for that purpose and related purposes that a reasonable person would consider appropriate in the circumstances.

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You may withdraw your consent to the continued collection, use or disclosure of your personal data by contacting our Data Protection Officer.

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Withdrawal of consent does not affect our right or obligation to retain, use or disclose personal data where this is permitted or required by applicable law.

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Depending on the nature of your request and our legal or regulatory obligations, withdrawal of consent may affect our ability to process your application, provide a loan or continue providing certain services.

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6. Disclosure of Personal Data

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Where reasonably necessary or permitted by law, we may disclose relevant personal data to:

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  • the Moneylenders Credit Bureau;

  • the Registry of Moneylenders and Ministry of Law;

  • government agencies, regulators, courts and law enforcement authorities;

  • professional advisers, auditors, lawyers and accountants;

  • authorised technology, IT, cybersecurity, data storage and service providers;

  • payment, banking or financial service providers involved in administering transactions;

  • authorised debt collection or recovery service providers, where applicable and legally permitted; and

  • other parties where disclosure is required or authorised by law or where you have provided the appropriate consent.

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We will not sell your personal data to third parties.

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We will also not disclose borrower information indiscriminately to third parties for unrelated purposes.

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7. Moneylenders Credit Bureau

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As part of our regulatory and responsible lending obligations, Fong Chin Capital may obtain, submit and update borrower and loan information through the Moneylenders Credit Bureau.

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Such information may include existing loans, outstanding balances, repayment records and other information permitted or required under applicable moneylending laws and regulations.

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Information obtained from the MLCB will be used for legitimate lending, credit assessment, loan administration, regulatory and compliance purposes.

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8. Protection of Your Personal Data

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We take reasonable administrative, technical and physical measures to protect personal data in our possession or under our control against unauthorised access, collection, use, disclosure, copying, modification, loss, disposal or similar risks.

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Access to borrower information is restricted to authorised personnel and service providers who require access for legitimate business, lending, servicing, compliance or regulatory purposes.

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Although we take reasonable measures to safeguard personal data, no electronic transmission or storage system can be guaranteed to be completely secure.

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9. Retention of Personal Data

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We retain personal data only for as long as reasonably necessary to:

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  • administer and service your loan;

  • fulfil the purposes for which the information was collected;

  • satisfy applicable legal, regulatory, accounting and record-keeping requirements; and

  • protect or enforce our legitimate legal rights.

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When personal data is no longer required for a legitimate business or legal purpose, we will cease retaining it or remove the means by which it can be associated with an individual, where appropriate.

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10. Access and Correction

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Subject to the PDPA and applicable exceptions, you may request access to personal data that we hold about you or request the correction of inaccurate or incomplete personal data.

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We may require appropriate information to verify your identity before processing an access or correction request.

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Requests should be directed to our Data Protection Officer using the contact information below.

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11. Cookies and Website Information

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Our website may use cookies and similar technologies for essential website functionality, security, analytics and improving the user experience.

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Depending on your browser settings, you may choose to block or restrict certain cookies. Disabling certain cookies may affect the operation or functionality of the website.

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Information collected through website analytics will be handled in accordance with this Policy and applicable data protection requirements.

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12. Third-Party Websites and Services

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Our website may contain links to third-party websites or services.

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Fong Chin Capital is not responsible for the privacy, security or data-handling practices of third-party websites that are outside our control. You should review the privacy policies of those websites before providing personal information to them.

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13. Personal Data Breaches

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If a personal data breach occurs, we will take appropriate steps to contain, assess and manage the incident.

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Where required under the PDPA, we will notify the Personal Data Protection Commission and/or affected individuals in accordance with applicable requirements.

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14. Changes to This Policy

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We may update this Privacy & Personal Data Protection Policy from time to time to reflect changes in our business practices, technology, legal requirements or regulatory obligations.

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The current version will be published on our website together with its latest revision date.

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15. Contact Us / Data Protection Officer

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If you have questions regarding this Policy, wish to provide feedback, withdraw consent, or request access to or correction of your personal data, please contact:

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Data Protection Officer
Fong Chin Capital
Email: admin@fongchincapital.com
Address: Block 129, Bedok North Street 2, #01-42, Singapore 460129

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We will consider and respond to data protection enquiries and requests in accordance with applicable requirements under Singapore law.

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