Privacy Policy

Privacy Statement

1. This is corporate website setup by FlexiGlobal Finance
2. We may use “cookies”, where a small data file is sent to your browser to store and track information about you when you enter our websites. The cookie is used to track information such as the number of users and their frequency of use, profiles of users and their preferred sites. While this cookie can tell us when you enter our sites and which pages you visit, it cannot read data off your hard disk.
3. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
4. If you provide us with personally identifiable data:
   (a) We may share necessary data with other Government agencies, so as to serve you in the most efficient and effective way unless such sharing is prohibited by law.
   (b) We will NOT share your personal data with other commercial entities, except where such entities have been authorised to carry out specific services.
   (c) For your convenience, we may also display to you data you had previously supplied us. This will speed up the transaction and save you the trouble of repeating previous submissions. Should the data be out-of-date, please supply us the latest data.
5. To safeguard your personal data, all electronic storage and transmission of personal data is secured with appropriate security technologies.
6. This site may contain links to other sites whose data protection and privacy practices may differ from ours. We are not responsible for the content and privacy practices of these other websites and encourage you to consult the privacy notices of those sites.
7. Please send an email security@flexiglobalfinance.com if you:
   (a) have any enquiries or feedback on our data protection policies and procedures; or 
   (b) need more information on or access to the data which you have provided to us in the past.

At FLEXIGLOBAL FINANCE (“FGF”), we respect your personal data and we strive to ensure that your personal data is protected. The security of your personal data is important to us and we shall maintain appropriate physical, technical and organisational measures needed to ensure the security and confidentiality of your personal data. This Privacy Notice outlines how AFS collects, uses, maintains and discloses your personal data in respect of our services and how AFS safeguard the personal data.

You may be asked, may have supplied and may continue from time to time, to provide any information, including but not limited to, information to establish your identity, background (including your images), addresses, contact numbers, email addresses, IP addresses, operating systems, browser types, contact details, financial data, creditworthiness information, audio recordings and other information and data generated or that you provide when you apply for any of our products and/or services (“Personal Data”). We may collect and obtain these Personal Data from yourself or from variety of sources, including but not limited to from your submission of your Personal Data when you apply for any of our products and services; from your relationship with us; from recordings of closed circuit television (CCTV) installed at our premises; from any analysis of the way you use and manage your account/facility with us; from publicly available sources or registries; from government authorities, regulatory authorities and/or law enforcement agencies; from third parties or other sources in respect of which you have given your consent to disclose the Personal Data and/or where not otherwise restricted; from meetings, events, seminars, conferences, talks, road shows, surveys organised or sponsored by us; and/or from any information that is supplied and/or collected when you visit our websites which include your mobile device or computer’s IP address or from any information that is collected via cookies on some of our websites. We use cookies for number of purposes, including but not limited to, storing your preference for certain types of information or products, for further analysis to provide products and services to you, to improve our products and/or to personalize our services to you. You may adjust the settings on your browser and/or mobile device so that you will be notified when you receive cookie or other similar tracking tools. Please refer to your browser documentation to check if the tracking tools have been enabled on your computer and/or mobile device or to disable cookies if you do not wish to have information collected via the use of cookies. You have the choice, at any time, not to provide your Personal Data to us, however failure to provide your Personal Data to us may result in AFS being unable to provide you with our products and services.

During the course of our service, we may utilise, process and/or disclose your Personal Data for the following purposes in and/or outside Singapore (“Permitted Purpose”):-

1. to assess and process your applications for our products and/or services;
2. to communicate with you including responding to your enquiries and/or complaints and resolving disputes; to manage and maintain your accounts/facilities with us;
3. to conduct credit checks to assess or verify your credit/financial worthiness and to assist other financial institutions to conduct credit checks;
4. to evaluate your financial needs;
5. to utilise the same for strategic alliances, cross selling, marketing, and promotions;
6. to maintain your credit history for present and future references;
7. to detect crime or fraud, and to utilise and disclose the same for investigation, prevention, prosecution and compliance with sanctions, including know your customer (KYC) and regular politically exposed persons (PEP) screening purposes;
8. to respond to the requirements of a civil or criminal legal process and/or for regulatory compliance purpose and/or as required by law or regulation (including the European Union member states);
9. to collect any debt due or owing and to enforce your obligations to us;
10. to utilise and disclose the same for market research and statistical analysis and surveys with the aim of improving our products and services and product development;
11. to provide you with the information on our and third-party products and services which may be of interest to you;
12. to compare information/data for accuracy of our record, and to verify the same with third parties;
13. to utilise the same for research, design and improvement of our products and services, operational and business processes;
    to support our business, financial and risk monitoring, planning and decision making;
14. to handle complaints and queries;
15. to utilise and disclose the same for audit, compliance and risk management;
16. to transfer or assign our rights and duties under any governing terms and conditions between us and yourself;
17. to utilise the same for our outsourcing of business and back room operations;
18. to utilise and disclose the same for security reasons;
19. to transfer your Personal Data to foreign jurisdictions to enable any cross-border transactions, for the performance of a contract, for the purposes of legal proceedings, upon written request from a foreign regulatory or government authority or body, to protect your vital interest or where it is in the public interest to do so; and/or
20. for any other purposes that is required or permitted by any law, regulation, order and/or guidelines.

Your Personal Data held by us shall be kept confidential at all times. However, in order to provide you with effective and continuous products and services subject to any laws, regulations and guidelines and for the Permitted Purpose, we may need to disclose your Personal Data to the following parties:

1. FGF’ agents, holding companies, subsidiaries, affiliates and associates;
2. professional advisers, contractors, service providers, debt collection agencies and our other agents with whom we have contractual agreements for some of our functions and services;
3. credit bureau, credit reporting agencies, credit reference agencies, rating agencies, insurers and/or insurance brokers;
4. financial service providers in relation to the products and services that you have with us;
5. any actual or potential participants or assignee or transferee of our rights and/or obligations under any transaction between us and you;
6. any guarantor or security provider for the products and/or services granted by us to you;
7. any authorities or regulators, including foreign regulators for the performance of their functions, or any party as required by any law or any government, quasi-government, administrative, court or tribunal;
8. strategic/business partners with whom we have a relationship with for specific products and services;
9. any person connected to the enforcement or preservation of any of our rights under your agreements with us; and/or
10. any party authorised and/or consented by you.