1. Introduction
Welcome to Cashew ("Platform," "we," "us," "our"). We are committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.cashew.sg, use our mobile application (if any), or utilize our services (collectively, the "Services") to explore, compare, or apply for mortgage products.
This Policy is designed to comply with Singapore's Personal Data Protection Act 2012 ("PDPA") and other applicable laws. By using our Services, you consent to the data practices described in this policy.
2. Data Protection Officer (DPO)
We have appointed a Data Protection Officer (DPO) who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions, concerns, or requests regarding your personal data, please contact our DPO at:
Sebastian Sieber, Managing Director
[email protected]
NMAKI SG Pte Ltd, Data Protection Officer, 8 Marina View, #43-01, Asia Square Tower 1, Singapore 018960
3. Personal Data We Collect
- Identity Data: Full name, NRIC/FIN number, passport number, date of birth, gender, nationality, photographs, and other government-issued identification details.
- Contact Data: Residential address, email address, telephone numbers.
- Financial Data: Income details, employment history, bank account details, credit history, existing loans, assets, liabilities, and investment details.
- Property Data: Property you intend to purchase or refinance (address, type, value, etc.).
- Transaction Data: Applications and services you’ve used through our Platform.
- Technical Data: IP address, browser, device, and system information.
- Usage Data: Pages visited and time spent on our Platform.
- Marketing and Communications Data: Marketing and communication preferences.
- User-Provided Content: Feedback, survey responses, or support interactions.
4. How We Collect Your Personal Data
- Direct Interactions: Account creation, form submissions, document uploads, and communication.
- Automated Technologies: Cookies, server logs, and similar technologies.
- Third Parties: Credit bureaus, lenders, government agencies, and analytics providers.
5. Purposes for Collection, Use, and Disclosure
- Account registration and management.
- Mortgage comparison and application facilitation.
- Identity verification and KYC/AML compliance.
- Communication and customer support.
- Platform analysis and improvement.
- Marketing and communication with your consent.
- Compliance with legal obligations.
- Internal audits, analytics, and business operations.
- Consent-based additional purposes.
6. Disclosure of Your Personal Data
- Lenders and Financial Institutions.
- Credit Bureaus with consent.
- Property Valuers and Insurers.
- Service Providers under contract.
- Professional Advisors (lawyers, auditors, insurers).
- Regulatory and Government Authorities.
- In Business Transfers.
- Other Parties with your consent.
7. International Data Transfers
Your data may be transferred outside Singapore. We ensure protection equivalent to PDPA using approved contracts or certified frameworks.
8. Data Security
We implement encryption, access controls, secure servers, and staff training. However, no online system is 100% secure. We take reasonable steps to safeguard your data.
9. Data Retention
We retain data as long as needed for its purpose and legal compliance. Once no longer required, we delete or anonymize it securely.
10. Your Rights under the PDPA
- Right to Access: Request your personal data and usage.
- Right to Correction: Fix inaccuracies in your data.
- Right to Withdraw Consent: Cease data processing by request.
- Right to Data Portability: Request data transfer in standard format (if applicable).
Contact our DPO to exercise your rights. We may verify your identity and charge a reasonable fee where applicable.
11. Cookies and Similar Technologies
We use cookies and tracking tools to enhance experience and analytics.
- Essential: Enable core functions.
- Performance: Understand usage.
- Functionality: Remember preferences.
- Marketing: Serve relevant ads.
Manage cookies via browser settings. Disabling cookies may affect site functionality.
12. Third-Party Websites
We are not responsible for the privacy practices of linked third-party sites. Please review their privacy policies before sharing your data.
13. Updates to This Privacy Policy
We may update this policy. The “Last Updated” date reflects changes. We notify users of material updates through the Platform or email.
14. Governing Law
This Privacy Policy is governed by Singapore law.
15. Contact Us
If you have any questions, please contact our Data Protection Officer:
NMAKI SG Pte Ltd
8 Marina View, #43-01, Asia Square Tower 1, Singapore 018960
[email protected]