A.Site Policy

Our goal is to maintain your trust and confidence of all personal information you provide to us. This Policy applies to all?who visit this website or use our online services.

  1. We only collect personal information that we believe to be relevant for the purpose of giving you better customer?services.
  2. Only authorised staff will have access to your personal information.
  3. By engaging our services, you authorise us to provide necessary information to third parties who provide services to?Credit Xtra in connection with the provision of the services which you have sought from Credit Xtra.
  4. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or?agencies or our regulators, but we will only do so under proper authority.
  5. We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone,?including our staff.
  6. All our staff and all third parties with permitted access to your information are specifically required to observe our?confidentiality obligations.

 

Your Privacy Matters to Us

IMPORTANT: BY ACCESSING THIS WEBSITE, YOU INDICATE YOUR ACCEPTANCE OF THE TERMS AND CONDITIONS SET OUT?IN THE WEBSITE.

Security

  • You should be careful with your SingPass details including your User ID and/or Password. Do not share your User ID?and/or password or allow access or use of it by others.
  • We endeavor to put in place high standards of security to protect your interests.
  • You should safeguard your unique User ID and Password by keeping it secret and confidential. Never write them down?or share these details with anyone.

Collection of Personal Information

  • Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns.
  • By providing your contact information, we reserve the right to use this information provided by you to advise you of?services and other marketing materials, which we think, may be of interest to you.
  • If you do not wish to receive email or promotional sms, you will always have an opportunity to opt-out. Please contact?our Customer Service Hotline. We will then, at no cost to you, act on your request within 14 days and ensure that you?are not included in the marketing promotions.
  • We may change the content or services found on this website at any time without prior notice to you and,?consequently, this Privacy Statement may change from time to time.
  • Your continued access to or use of this website means that you agree to and accept the changes we make from time?to time.

B. Borrower?s Consent for Release of Information

By providing personal details to engage Credit Xtra services, you agree and provide your consent and?authorize Credit Xtra Pte. Ltd. to release all or some of your Personal details and Loan details / Contract?details to the following company / organisation or parties.

?Registry of Moneylenders?

?Dun & Bradstreet (Singapore) Pte Ltd (D&B)?

?DP Information Network Pte Ltd?

?DP SME Credit Bureau?

?Singapore Money Lenders ? www.sml999.com?

?Moneylender?s Association of Singapore ? www.moneylenders.sg?

?Next of Kin? or any third parties contact number given by the borrower that may be able to assist in the?recovery of the loan.

?All licensed moneylenders by IPTO?

?My Employer? for the assistance of recovery of the loan?

?My Colleague? for the assistance of recovery of the loan?

?Debt Recovery Companies or approved debt collectors?

?Third Party Accountants / Auditors for the purpose of accounting, auditing and filing of the required company?documents to government agencies?

?Sivren Pte Ltd for the purpose of acting as a Data Intermediary / application software and database provider?

For the purpose of collating such information for credit management, assessment purposes and debt recovery,?which information are accessible by subscribers to the above-mentioned parties. You also understand that?Credit Xtra Pte. Ltd. is a contributor and subscriber of information with the above mentioned parties.

In this connection, your personal and loan information shall include inter alias, your personal particulars?including name, identity card, passport number or NRIC/FIN number, home address, and loan amount.

You agree to disclose true copies of your income or financial substantiation documents and/or other?documents as may be required by the company, which documents shall thereby become and remain the?company?s properties;

You authorize the company to conduct credit checks and verify information given in this application with the?above companies/organisation or parties without prior reference to you;

You expressly permit and authorize the company and the company?s officers to disclose, reveal, and divulge?any and all information and particulars relating to and in connection with you, any and all of your accounts?with the company (whether held alone or jointly). Any transactions or dealings between you and the company,?thus application and/or any facilities granted to you to the above the companies/organisations or parties at?any time and from time to time, including, but not limited to any of your guarantor or surety, any person who?is jointly or jointly and severally liable or indebted to the company with you and any governmental agencies?and authorities in Singapore;

By using the site, you hereby confirm that you have read and understood the above.

For any further clarifications or changes for the data provided by you and the purposes that it will be used for,?you may contact our Officer at 63388829.

C. Terms & Conditions

IMPORTANT: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE?ONLINE SERVICES, YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT ANY?OF THESE TERMS OR CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE?OF THE ONLINE SERVICES.

Disclaimer

You understand and agree that your use of the Website is at your own risks and we shall not be responsible or liable to you?for any expenses, losses, costs damages, liabilities or other consequences of whatsoever nature (collectively “Losses”)?suffered or incurred directly or indirectly by you, including without limitation, any Losses suffered or incurred directly or?indirectly by you arising from or in connection with or caused by:

Loan Application & in-principal-approval of loan

In-principal-approval does not constitute a guaranteed approval in your loan. Credit Xtra reserves the right to lower the?loan amount applied for or reject the loan at our sole discretion.

When you apply for a loan or using our online services you confirm that all the information you have given is true and?complete.

Personal information you provide to us through online services / applying a loan services.

  1. You authorise us to do a relevant Credit Bureau Check or 3rd party check & provide necessary information to third?parties who provide services to Credit Xtra in connection with the provision of the services which you have sought?from Credit Xtra.
  2. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or?agencies or our regulators, but we will only do so under proper authority.
  3. By providing your personal information, you agree to give us your consent for borrower?s release of information as?detailed in section B.

Overdue & outstanding loan

You authorise us if your outstanding loan is overdue & not settled with Credit Xtra, Credit Xtra has the right to engage an?external debt collector to recover the money & others means to recover the money.

Continued failure to repay a loan will also mean credit reference agencies (CRAs) will record the outstanding debt. This?information may be supplied to other organisations by CRAs and fraud protection agencies to perform similar checks and?to trace your whereabouts and recover debts that you owe.

Records remain on file for seven years after they are closed, whether settled by you or defaulted.

Finally, your trust rating will be hit hard and you probably won’t be able to borrow again.

None of these things are worth risking, so if you have doubts about whether you’ll be able to comfortably repay a loan,?please don’t apply in the first place.

Collection of Personal Information

Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns.

Marketing Promotions of your personal information we collected from this site.

Such information collected from individuals who voluntarily provide us with their personal information.

We may use this information to advise them of services and other marketing materials, which we think, may be of interest?to them.

If you do wish to receive email or promotional sms, you will always have an opportunity to opt-out.

Please contact our Customer Service Hotline. We will then, at no cost to you, act on your request within 14 days and?ensure that you are not included in the marketing promotions.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention?authorities.

Law enforcement authorities may access and use this information.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Singapore.

By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms?and Conditions of Access shall be governed by, and construed in accordance with, the laws of Singapore and you agree to?submit to the non-exclusive jurisdiction of the Singapore courts.

Credit Bureau Check Refer to

  1. Credit Bureau Singapore, Dun & Bradstreet (Singapore) Pte Ltd.
  2. Questnet , DP Information Group

Fraud Prevention Authorities Refer to

The Police Force, CPIB or Government Authorities of Singapore.

3rd parties refer to: www.sml999.com, www.moneylenders.com.sg.

Changes

Credit Xtra reserves the right, at its sole discretion, to change, modify, add or remove any part (terms & conditions) of this?site in whole or in part, at any time.