Privacy Policy

1. Personal data we may collect

The information we receive depends on how you use the website and what you ask us to do. We do not need the same information from every visitor.

2. Why we collect and use personal data

We may collect, use or disclose personal data for purposes that are reasonably connected with your interaction with SHS, including:

• responding to mortgage, refinancing, property or general enquiries;
• understanding the property type, financing need or service you are asking about;
• helping compare relevant mortgage options from banks or lenders that SHS works with;
• communicating with you about an enquiry you submitted;
• reviewing property information submitted for possible publication on the website;
• referring or routing an enquiry where this is appropriate and you have asked us to progress it;
• operating, maintaining, securing and improving the website;
• measuring website usage and understanding which pages are useful to visitors;
• preventing misuse, fraud, security incidents or other harmful activity;
• complying with applicable legal, regulatory or record-keeping requirements; and
• other purposes that we notify you about when collecting the information, where required.

Where consent is required, you may withdraw that consent by contacting us. Withdrawal may affect our ability to continue a service that depends on the information concerned.

3. When personal data may be disclosed

We do not need to disclose every enquiry to another organisation. Disclosure depends on what you have asked SHS to do.

Banks and mortgage providers

If you ask us to progress a mortgage comparison or application-related enquiry, relevant information may need to be shared with a bank, lender or its authorised channel so that the enquiry can be assessed. Final eligibility, valuation, pricing and approval are determined by the relevant lender.

Property-related parties

If you submit or respond to property information, relevant enquiry details may be shared or routed to the appropriate property owner, developer, publisher, licensed estate-agency party or other relevant contact where this is necessary to respond to your request.

Technology and operational service providers

We may use third-party providers to support website hosting, security, analytics, communications, email, messaging or other business operations. These providers may process information on our behalf where needed to provide those services.

Legal and safety reasons

We may disclose information where required or permitted by law, or where reasonably necessary to protect our rights, users, systems or other persons from fraud, misuse or security threats.

4. Cookies, analytics and website data

Like many websites, singaporehomeservices.com may use cookies or similar technologies to keep the website working, understand how visitors use it, remember preferences, measure performance and help us improve the site.

Depending on the tools active on the website, these technologies may collect information such as pages viewed, visit duration, referral source, browser or device information and IP address.

Your browser choices

Most browsers let you delete, block or restrict cookies. Blocking some cookies may affect parts of the website that depend on them.

Third-party websites and services

The website may link to external services such as WhatsApp, banks, government websites, property sources or other third-party websites. Their privacy practices are controlled by those organisations, not by SHS. You should review their privacy information when providing data directly to them.

5. Retention, protection and overseas processing

How long we keep information

We aim to keep personal data only for as long as it is reasonably needed for the purpose for which it was collected, for legitimate business or record-keeping needs, or where retention is required by law.

When personal data is no longer required, we may delete it, anonymise it, or otherwise cease retaining it in an identifiable form where appropriate.

How we protect information

We take reasonable steps to protect personal data in our possession or control against unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. No website, email system or internet transmission can be guaranteed to be completely secure.

Processing outside Singapore

Some technology providers may operate systems or infrastructure outside Singapore. Where personal data is transferred outside Singapore, we will take steps required under applicable data-protection law to ensure that the transferred data receives a standard of protection comparable to the protection under Singapore's Personal Data Protection Act 2012 ("PDPA").

6. Access, correction, consent and privacy requests

Subject to the PDPA and applicable exceptions, you may contact us to:

• ask about personal data that SHS holds about you;
• request access to personal data and information about how it has been used or disclosed, where applicable;
• ask us to correct an error or omission in personal data;
• withdraw consent for a use or disclosure that depends on your consent; or
• raise a question or concern about our data-protection practices.

We may need to verify your identity before processing a request. The PDPA also permits or requires certain exceptions to access, correction, consent and other obligations, so not every request can necessarily be fulfilled in the exact form requested.

Accuracy

Please provide accurate information when making an enquiry and let us know if information that is relevant to an ongoing request changes.

7. Data breaches

If SHS becomes aware of a data breach, we will assess the incident and take appropriate steps. Where the PDPA requires notification because a breach is notifiable, the relevant notifications will be made in accordance with the applicable requirements.

8. Children

SHS's mortgage and property services are intended for adults. We do not knowingly design these services to collect personal data from children. If you believe a child has provided personal data to us inappropriately, please contact us so that we can review the situation.

9. Changes to this Privacy Policy

We may update this Privacy Policy when our website, services, technology or legal obligations change. The latest version will be published on this page with an updated effective date.

Material changes should be reviewed against the actual data SHS collects and the services being used at that time.

10. Contact us about personal data

If you have a privacy question, access or correction request, or a concern about the way SHS handles personal data, contact us using the details below.