SME Microcapital Pte. Ltd. holds your privacy in the highest regard. With that in mind, described below are the details of our Privacy Policy, which applies to information we collect from our website and engagements with Clients and prospective Clients. 

Personal data collected are only for relevant business requirements, and may not be used for other purposes not specified by the client or our engagement.

By using this website, you agree and consent to SME Microcapital Pte. Ltd’s collection, use and disclosure of Personal Data according to the terms and conditions of this Privacy Statement. 

Information Collection

When you browse our website, your browser provides us with the necessary data for the website to be displayed. Such data may include:

• Your public IP address
• Date and time of browser request
• GMT difference
• Webpage(s) visited by you
• HTTP status code
• Amount of transferred data
• Referrer URL
• Type of browser
• Browser version and language
• Operating system and interface
• Screen resolution
• Language settings

The above list is non exhaustive and may exclude other data and information collected but not mentioned.

Third Party Disclosure

The personal information you provide will be used in the provision of our services including but not limited to banks, financial institutions, lenders and government related entities. To facilitate our services, we will need access to relevant information that is required to mediate and facilitate financial transactions. 

Your personal information is required for credit applications and initial screening. It is a basic requirement in banks and other financial institutions, and a necessary procedure in our engagement. Apart from business requirements, we may also keep updated records of your information for the purposes of making our services as efficient as possible. We may use your personal information to deliver services that you request. Your information may also be used in our customer support system, as well as in the communication of terms and conditions, on top of other functions necessary for day-to-day business. As a basic requirement in banking and financing processes, we may need to relay your information to third parties such as the concerned banking and financing institutions. The coordination of your information is necessary to perform our services you engaged us in. The Company will not use your information other than for the purposes of provisioning our services you have engaged us in. 

Cookies

Cookies, together with other similar types of files, may be stored on SME Microcapital Pte Ltd’s web site. Such information does not include your personal information but consists of electronic data that helps us identify your web account. Cookies are collected when clients use the site for various purposes, and are used by the company in conducting online maintenance of its services.

We may make use of remarketing platforms and tools such as but not limited to, Google or Facebook to advertise across the internet such as the Google display or search network.  Advertising remarketing will display ads to you based on your relevant search history through cookies placed on your web browser. This cookie does not in any way identify you or give access to your computer or mobile device. The cookie is used to indicate to other websites and advertising platforms that particular visitors have visited our website before and otherwise track user behavior. We might display our advertisements again to the same visitors based on these data. If you do not wish to see ads from us, you can opt out of Google’s use of cookies by visiting Google’s Ads Settings or opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

Social Media

Should you follow SME Microcapital’s on any of its social media networks use any public forum accounts (e.g. Instagram, Facebook, LinkedIn, Twitter) to connect with us, your social media network or public forum accounts may provide us with information such as your public profile, email address, friends/follower lists. Please refer to the privacy policies of the relevant social media network providers for more information.

Information Protection

Information that you share on our website is kept strictly confidential and fully secure. Your encrypted information is protected using “Secure Socket Layers (SSL)” as it passes between your browser and this website.

We disclaim any guarantee of your information’s absolute security as no method of transmission over the internet or method of electronic storage is entirely 100% secure. We will, however, strive to use commercially acceptable means to protect the User’s personal information.