Motor Insurance

Personal Data Protection Policy

Effective Date: 06 August 2024

1. Introduction

Welcome to Index Credit! Your privacy and the protection of your personal data are important to us. This Personal Data Protection Policy ("Policy") outlines how we collect, use, disclose, and protect your personal data when you use our mobile application ("App") to check your outstanding car loan instalment and due date, etc.

2. Data We Collect

To provide you with accurate and efficient services, we may collect the following types of personal data:

  • Personal Identification Information: Name, contact details (phone number, email address), and identification numbers.
  • Loan Information: Details of your car loan, instalment amounts, due dates, and payment history, etc.
  • Usage Data: Information about how you use the App, including IP address, device information, and interaction data.

3. How We Use Your Data

We use your personal data for the following purposes:

  • Service Provision: To provide and manage your car loan details, including outstanding amounts, instalment schedules, and due dates, etc.
  • Customer Support: To respond to your queries and provide assistance regarding your car loan.
  • Improvement and Analytics: To analyse usage patterns and improve the functionality and user experience of the App.

4. Data Sharing and Disclosure

We may share your personal data with third parties in the following situations:

  • Service Providers: With trusted third-party service providers who assist us in operating the App and providing our services under strict confidentiality agreements.
  • Legal Requirements: When required by law, regulation, or legal process, or to protect our rights and the rights of others.

5. Data Security

We implement appropriate technical and organizational measures to safeguard your personal data from unauthorized access, disclosure, alteration, and destruction. However, please note that no security system is impenetrable, and we cannot guarantee the absolute security of your data.

6. Your Rights

Under the PDPA, you have the right to:

  • Access: Request access to your personal data that we hold.
  • Correction: Request correction of inaccurate or incomplete personal data.
  • Deletion: Request the deletion of your personal data under certain circumstances.
  • Withdrawal of Consent: Withdraw your consent to the processing of your personal data, subject to legal or contractual restrictions.

To exercise these rights, please contact us using the details provided below.

7. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected or as required by law.

8. Changes to This Policy

We may update this Policy from time to time. Any changes will be posted on this page and we will notify you of significant changes. Please review this Policy periodically to stay informed about how we are protecting your data.

9. Contact Us

If you have any questions or concerns about this Policy or how we handle your personal data, please contact us at:

Index Credit Pte Ltd
3 Ang Mo Kio St 62 #01-09/10
Link@AMK, Singapore 569139
Tel: +65 6356 2988 | +65 6462 0777