www.experian.com.sg Open in urlscan Pro
192.229.220.9  Public Scan

Form analysis
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Text Content

 * Contact Us
 * Careers
 * Innovation

 * Global Sites

 * Credit & Information Services
   *  * Back
      * Experian Bureau
        *  * Back
           * Experian Bank Bureau
           * Experian Non-Bank Bureau
      * Business Information
      * Consumer Information
      * Debt Collection Services
      * Startup & SME Business Advisory
 * Decisioning & Analytics
   *  * Back
      * Customer Acquisition
        *  * Back
           * PowerCurve Originations
           * PowerCurve Customer Acquisition
           * Digital Onboarding
      * Customer Management
      * Strategy Management
      * Advanced Analytics & Modelling
        *  * Back
           * Credit Scoring Models
           * Regulatory Compliance Advisory
           * Business Analytics Consultancy
           * Data Quality Assessment
           * Collections Analytics
      * Fraud Prevention
      * Collection Management
      * Data Analytical Platform
      * Telco Decisioning & Analytics
 * Consumer Credit Reports
 * Atlas

Search

 * Credit & Information Services
   *  * Experian Bureau
        *  * Experian Bank Bureau
           * Experian Non-Bank Bureau
      * Business Information
      * Consumer Information
      * Startup & SME Business Advisory
 * Decisioning & Analytics
   *  * Customer Acquisition
        *  * PowerCurve Originations
           * PowerCurve Customer Acquisition
           * Digital Onboarding
      * Customer Management
      * Strategy Management
      * Advanced Analytics & Modelling
        *  * Credit Scoring Models
           * Regulatory Compliance Advisory
           * Business Analytics Consultancy
           * Data Quality Assessment
           * Collections Analytics
      * Fraud Prevention
      * Collection Management
      * Data Analytical Platform
      * Telco Decisioning & Analytics
 * Innovation
 * Consumer Credit Reports
 * Contact Us
 * Careers
 * Global Sites

Search



EXPERIAN GLOBAL SITES

AMERICA
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 * Brazil
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ASIA PACIFIC
 * Australia
 * China
 * Hong Kong
 * India
 * Indonesia
 * Japan
 * Malaysia
 * New Zealand
 * Singapore
 * South Korea
 * Taiwan
 * Thailand
 * Vietnam

EUROPE
 * Austria
 * Belgium
 * Bulgaria
 * Czech Republic
 * Denmark
 * Finland
 * France
 * Germany
 * Greece
 * Ireland
 * Italy
 * Netherlands

 * Poland
 * Russia
 * Spain
 * Sweden
 * Switzerland
 * United Kingdom

MIDDLE EAST & AFRICA
 * South Africa
 * United Arab Emirates


PRIVACY STATEMENT

ABOUT THIS STATEMENT

--------------------------------------------------------------------------------

OUR COMMITMENT

While information is the foundation for providing you with superior service,
protecting the privacy of your personal information is of the highest importance
to us. We believe that responsible stewardship of the information entrusted to
us is crucial in developing and maintaining the public trust which in turn is
essential for our continued success. We are sensitive to your privacy concerns,
and are committed to letting you know what kind of personal information is being
collected and how the information is being used. It also describes how cookies
and other technologies may be used in our software products.

EXPERIAN SINGAPORE

Experian Singapore is part of a group of companies, whose parent company is
Experian Plc, which is listed on the London Stock Exchange (EXPN). For more
information on the Experian group, please visit the group‘s website at
www.experianplc.com.  We are the global leader in providing, data, analytical,
marketing and credit services to organisations and consumers to help them manage
the risk and reward in making every day commercial and financial decisions. For
the purpose of this policy, Experian Singapore Pte. Ltd. or Experian
Asia-Pacific Holdings Pte. Ltd, “we” or “us” which together are referred to as
"Experian Singapore".

This Privacy Policy Statement applies to the collection and use of personal
information by Experian Singapore, including information collected through the
various websites operated by Experian Singapore that link to this Statement. It
does not apply to personal information collected through websites that have
their own Privacy Statements.

This Privacy Policy Statement reflects on how we manage your personal
information while providing our service as an organization regulated under the
Singapore Personal Data Protection Act 2012. This Privacy Policy Statement has
no legal force and it does not create or impose any additional rights under the
Singapore Personal Data Protection Act 2012.

WHAT KIND OF PERSONAL INFORMATION DO WE COLLECT?

The kind of information we collect depends on the purpose for which it is
collected. In relation to our employees we may collect name and home contact
details, including addresses, phone numbers and email addresses. We may also
collect details of their next of kin for emergency contact purposes. We also
collect name, telephone and email contact details of people we deal with in the
course of our business, such as our clients' and suppliers' representatives.

A significant part of our business is in the collection and analysis of data and
as part of that we may obtain data which includes personal information such as
names, addresses and other contact details.

HOW DO WE COLLECT PERSONAL INFORMATION?

Wherever reasonably possible, we collect personal information from the person to
whom it relates. For example, you may provide your name and contact information
to us to communicate with you. That is not always possible or appropriate and we
do collect and use personal information from publicly available sources and from
third parties. However, we only do so if the individual has consented to such
collection or would reasonably expect us to collect their personal information
in this way, or if it is necessary for specific purpose such as the
investigation of a privacy complaint.

Where we collect personal information from third parties we are careful to seek
confirmation from those providing us with the information that it was acquired
in accordance with the requirements of the Singapore Personal Data Protection
Act 2012, that they are entitled to provide it to us and that they are able to
authorise us to use it for the purposes for which they are supplying it.

WHY DO WE COLLECT PERSONAL INFORMATION AND HOW DO WE USE IT?

We are in the business of providing our customers with analytical, consumer
insight, targeting and data quality services to help them improve the marketing
of their goods and services and manage their risks. To do so we gather, analyse
and process large volumes of information, some of which is personal information.

Experian Singapore uses and discloses your personal information to enable the
development and provision of our products and services. Generally personal
information which we collect is only used and disclosed under the following
circumstances:

 * Your consent has been obtained in relation to the use or disclosure of the
   information
 * It is used for the purpose for which the information was collected or for a
   related secondary purpose
 * We are required or authorised under a Singapore law or other legal order

WHO DO WE DISCLOSE PERSONAL INFORMATION TO?

We supply a number of products and services which allow access to and use of
personal information that we have collected to the extent you have consented to
the use of your information to the person who collected it. Where you have
provided the relevant consent allowing us to include your personal information
in such products or services we provide and we may disclose your personal
information to our clients who purchase those products or subscribe to the
relevant services. Where we have obtained your personal information for other
purposes, such as for use in our internal analysis, or for use in providing
analytical services to clients, we may retain and use that personal information,
but will not disclose it except as contemplated below.

We may disclose personal information we hold, including information obtained for
internal analytical purposes to other members of the Experian group and to
reputable companies and suppliers (3rd parties) we engage to process data on our
behalf. We require that all our suppliers protect such information from
unauthorized access, use and disclosure and prohibit them from using the
information we disclose for any purpose other than providing services to us.

Disclosures to other members of the Experian group may include Experian
companies located in Australia, Malaysia, Hong Kong, Europe, the United Kingdom
and the United States of America. We do this so that we can take advantage of
the specialist skills of other members of the Experian group in developing our
products, processing data and services. The companies we disclose to in these
jurisdictions are related companies are members of and bound by safe harbour
schemes concerning the use and management of personal information. In
circumstances where we disclose personal information we hold to them, we
generally retain control of that information for the purposes of those schemes,
unless we have obtained your express consent to provide your information to
international recipients. We can therefore ensure that the information we
disclose is used only in accordance with this policy and in accordance with the
requirement of the Singapore Personal Data Protection Act 2012.

Under certain circumstances Experian Singapore may disclose your personal
information if it is required by or under a Singapore law or other legal order
or we reasonably believe that the use or disclosure of the information is
reasonably necessary for one or more enforcement related activities conducted
by, or on behalf of an enforcement body.

HOW SECURE IS YOUR PERSONAL INFORMATION?

As a global leader in the management of data, the Experian group recognises and
acknowledges the importance of keeping the personal information and data that it
holds, secure and protected from unauthorised access. To do this, at a minimum
Experian Singapore utilises industry standard security and encryption processes
and technology and ensures that access to your personal information is only
provided to those employees who need to have access in order to perform their
role. Access is also provided to users and subscribers of the products and
services we offer and any law enforcement agency with whom we are required by
law to provide your personal information. These standards operate globally
across the Experian group so, if we disclose your personal information to any of
our overseas affiliates, the same level of security will apply. To the extent
that we disclose any personal information to our clients, we require that they
implement appropriate safeguards with regard to the security of that
information.

We may be obliged to disclose personal information we hold to law enforcement
agencies. In such circumstances the use and security of that information is
determined by the rules governing the relevant agency.

To ensure that we maintain the standards we have set for security and that we
comply with our obligations in relation to the storage and handling of your
personal information Experian Singapore requires all of its employees to
complete regular training in relation to the handling of personal information
and the application of our security policies. We will also regularly review this
policy and assess our performance against it to ensure we are meeting and
continue to meet our obligations under the Singapore Data Protection Act 2012.

HOW DO WE MAINTAIN THE QUALITY OF YOUR PERSONAL INFORMATION?

It is extremely important to us that the personal information we hold about you
is up to date and accurate. The information we receive from the users of our
products and services and the data we collect from publicly available sources
and 3rd parties are subject to various processes to ensure the information is
accurate. Where updated information is available we will incorporate it into our
products as soon as practicable. The time it takes to apply updates to products
depends on the product itself, while some can be updated almost immediately;
others have release cycles as long as three months, so the time taken for a
change to become effective may vary considerably.

HOW CAN YOU ACCESS OR CORRECT THE PERSONAL INFORMATION WE HOLD?

Should you wish to gain access to or correction of your personal information,
you may contact us at Experian Singapore.

Generally we are happy to provide details of the information we hold free of
charge. However to the extent permissible under law, we reserve the right to
charge a nominal fee commensurate with our costs of extraction and collation of
information where significant work is involved. We will require you to
adequately identify yourself when requesting a copy of your personal
information.

If you would like us to update your information or you believe that any of the
information we hold is incorrect, please let us know. Where we have obtained
information directly from you, we may occasionally ask you to update your
information. Data will not be kept for longer than is necessary and will be
removed from our database at your request. If you wish Experian Singapore to
delete your profile, you may contact us at Experian Singapore.

There are certain limited circumstances permitted under the Singapore Data
Protection Act 2012 in which we may decline to permit access to the information
we hold, or we may decline to apply a correction to that information which you
have requested. In such circumstances, you may require that we note that a
request for access or correction has been refused by us.

HOW CAN YOU COMPLAIN ABOUT OUR USE OF PERSONAL INFORMATION?

Where you feel the information we have provided to you may not be accurate or
you have a dispute regarding the information we hold, you may contact us at
Experian Singapore in order for us to investigate the matter further.
Alternatively, you may write to:

The Data Protection OfficerCompliance Department

Experian Singapore Pte. Ltd.

10 Kallang Avenue #14-18

Aperia Tower 2

Singapore 339510

In general, we aim to respond to all complaints promptly and in any event in
less than 30 days. We aim to act promptly and reasonably in resolving any
complaints. There are some circumstances, for example, where the matter is
complex, or the resolution relates to a product with a long update cycle, where
we may require additional time to resolve an issue or to implement a correction.

Upon conclusion of our investigation and if you are still dissatisfied with our
outcome, you have the right to refer the matter to the Commissioner for handling
at:

Personal Data Protection Commission

10 Pasir Panjang Road

#03-01 Mapletree Business City

Singapore 117438

Phone: +65 6377 3131

Fax: +65 6577 3888 

Email: info@pdpc.gov.sg

COLLECTION AND USE OF INFORMATION THROUGH THIS WEBSITE

This section only covers Experian Singapore 's web site at www.experian.com.sg .
Other web sites by Experian Singapore and other members of the Experian group
are governed by their respective privacy statements.

INFORMATION COLLECTED

We collect information from visitors (your visits) to this website through the
use of enquiry forms and every time you e-mail us your queries or details. Where
that information is personal information, it is collected and handled in
accordance with the general Privacy Statement set out above. In addition, we log
your IP address (this is the technical standard which ensures messages get from
one host to another and that the messages are understood) which is automatically
recognised by the web server.

USE OF PERSONAL INFORMATION

We process personal information collected via this web site for the purposes of:
-

 * Identifying potential customers or subscribers.
 * Providing you with the services that you have subscribed to or registered
   for.
 * Dealing with your requests and enquiries.
 * Carrying out customer and marketing research and modelling.
 * Providing you with information about products and services offered by
   Experian Singapore.

We DO NOT sell personal information collected through this site or use your
personal information for any other purposes than those stated above.

COOKIES

Cookies may be used by us to provide you with customised information from our
web site. A cookie is an element of data that a website can send to your
browser, which may then store it on your system. Cookies allow us to understand
who has seen which pages and advertisements, to determine how frequently
particular pages are visited and to determine the most popular areas of our web
site. Cookies may also allow us to make our website more user friendly by, for
example, allowing us to save your password so that you do not have to re-enter
it every time to visit our web site.

We use cookies so that we can give you a better experience when you return to
our web site. Most web browsers automatically accept cookies. You do not have to
accept cookies, and you should read the information that came with your browser
software to see how you can set up your browser to notify you when you receive a
cookie, this will give you the opportunity to decide whether to accept it. If
you disable cookies from your browser you may not be able to access certain
features of a particular website.

INTERNET-BASED TRANSFERS

Given that the Internet is a global environment, using the Internet to collect
and process personal data necessarily involves the transmission of data on an
international basis. Therefore, by browsing this website and communicating
electronically with us, you acknowledge and agree to our processing of personal
data in this way.

UPDATING INFORMATION

Where you have provided us with information through this website, you may access
and update your data at any time by contacting us at Experian Singapore.

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