Privacy Policy

1. Introduction

Skyarc Capital Pte Ltd ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Company name and registration number (UEN)
• Contact person's name
• Email address
• Phone number
• Loan amount and terms
• IP address and browser information

2.2 How We Collect Information

We collect information when you:

• Fill out our loan calculator form
• Contact us via email or phone
• Visit our website (cookies and analytics)

3. How We Use Your Information

We use your personal information to:

• Process your loan enquiries
• Provide loan brokerage services
• Communicate with you about your enquiry
• Improve our services and website
• Comply with legal and regulatory requirements

4. Legal Basis for Processing

Under Singapore's Personal Data Protection Act (PDPA), we process your personal data based on:

• Consent: You have given clear consent for us to process your data for specific purposes
• Legitimate Interest: Processing is necessary for our legitimate business interests in providing loan brokerage services
• Contract Performance: Processing is necessary to perform our contract with you

5. Data Sharing and Disclosure

We may share your information with:

• Lenders: To facilitate loan applications and approvals
• Service Providers: Third-party vendors who assist in our operations
• Legal Authorities: When required by law or to protect our rights

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

6. Data Security

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

• Unauthorized access
• Alteration, disclosure, or destruction
• Loss or theft

Our security measures include encryption, secure servers, and regular security assessments.

7. Data Retention

We retain your personal data only as long as necessary for:

• Fulfilling the purposes outlined in this policy
• Complying with legal obligations
• Resolving disputes and enforcing agreements

Typically, we retain loan enquiry data for 7 years after the last interaction.

8. Your Rights

Under the PDPA, you have the right to:

• Access: Request access to your personal data
• Correction: Request correction of inaccurate data
• Withdrawal: Withdraw consent for data processing
• Portability: Request a copy of your data in a portable format
• Deletion: Request deletion of your personal data

9. Cookies and Tracking

Our website uses cookies to:

• Improve user experience
• Analyze website traffic
• Remember your preferences

You can control cookie settings through your browser preferences.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any personal information.

11. International Transfers

If we transfer your personal data outside Singapore, we will ensure appropriate safeguards are in place to protect your data in accordance with PDPA requirements.

12. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

14. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

• Email: info@skyarc.sg
• Phone: +65 1234 5678
• Address: Skyarc Capital Pte Ltd, Singapore