This privacy policy (Privacy Policy) sets out the manner in which we may collect, use, disclose or otherwise process the data in our possession or under our control, whether true or not, about an individual who can be identified either (a) from that data; or (b) from that data and other information to which we have or are likely to have access (Personal Data) in accordance with the Personal Data Protection Act 2012 of Singapore, as may be amended from time to time (PDPA). This Privacy Policy applies to all users of our website (Website) and mobile application (Application).

Please note that capitalised words and expressions shall, unless otherwise specified or the context otherwise requires, have the corresponding meaning assigned to them in the Terms and Conditions of the use of our Website at https://minstant.app/website-terms-and-conditions and Application at https://minstant.app/application-terms-and-conditions.

• 1. Collection of information

• 1.1 Our Application uses real time data to help you to choose the best credit card based on your purchases to maximise your rewards, such as, cashback, air miles or loyalty points. In providing the Application for your use, it is necessary for us to collect and use certain Personal Data.

• 1.2 While the specific types of Personal Data you submit through our Website and/or Application may vary depending on whether you maintain an account with us, there are several broad categories of Personal Data which are collected by us:
• Name.
• Contact Data, which includes your email address, fax and/or telephone number.
• Usage Data, which includes information about how you use our Website and/or Application (including the time you visit our Website and/or Application (Visit), the duration of your Visit, the types of products and/or services you are searching for and/or how you are searching for such products and/or services).
• Marketing and Communications Data, which includes your interests, feedback, survey responses, preferences in receiving marketing materials from us and your communication preferences, as well as your preferences for particular products or services.
• Technical Data, which includes your Internet Protocol (IP) address, the internet device identity or media access control address of your device, information regarding the manufacturer, model or operating system of the device that you use and/or information about the web browser that you use to access our Website and/or Application.
• Location Data, which includes the real-time geographic location of your device as necessary to provide the as necessary to provide the Website and/or Application’s full functionality.

• 1.3 How we collect your Personal Data

We collect your Personal Data:

• Directly from you. You may give us your Contact and Profile data when you do any of the following (whether on your own behalf or on behalf of your organisation):
• use our Website and/or Application;
• create an account on our Website or Application;
• enter into a contract with us;
• enquire about our Website or Application;
• participate in a promotion, survey, event or other marketing campaign organised by us;
• subscribe to our newsletters or alerts;
• request marketing materials to be sent to you; or
• contact us for general purposes, for example, to provide feedback.
• From your authorised representatives. We may also collect your Contact and Profile data from your authorised representatives. These include persons whom you have authorised and persons who have been validly identified as acting on your behalf pursuant to our security procedures.
• When you interact with our Website or Application. As you interact with our Website or Application, we may automatically collect your Technical Data. We may collect such personal data by using website cookies or data gathering tools.
• Third parties or publicly available sources. We may receive your Personal Data from third parties which are located in various countries. These include:
• Technical Data from analytics providers such as Google, advertising networks and social media platforms such as LinkedIn, Twitter and Facebook; and
• Contact and Transaction Data from providers of technical, payment and delivery services.

• 2. Use of information

• 2.1 We may collect and use your Personal Data for any or all of the following purposes:
• To register you as a new customer.
• To verify your identity.
• To manage your account, including managing payments, fees and charges and collecting and recovering money owed to us.
• To manage our relationship with you.
• To administer, operate, provide, maintain and protect our business and our Website and Application (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data, as well as ensuring that unauthorised users do not access the information on our Website and Application).
• To deliver relevant content and advertisements to you and measure or understand the effectiveness of the advertising we serve you.
• To make suggestions and recommendations to you about products or services that may be of interest to you.
• To send you relevant information about our events, news announcements or promotions.
• To enable you to complete a survey or participate in a promotion, survey, event or other marketing campaign organised by us.
• To contact you in relation to any or all of the above.
• To comply with any applicable laws, regulations, codes of practice, guidelines or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority.
• Any other purposes for which you have provided the information.
• Any other incidental business purposes related to or in connection with the above.

• 2.2 The purposes listed above may continue to apply even in situations where your relationship with us (for example, pursuant to a contract) has been terminated or altered in any way, for a reasonable period thereafter (including, where applicable, a period to enable us to enforce our rights under any contract with you).

• 2.3 Promotional offers and marketing

If you supply us with your Contact Data, you may receive periodic e-mails from us with information about new products and services or upcoming events. We will always obtain your consent to direct marketing communications where we are required to do so by law and if we intend to disclose your Personal Data to any third party for such marketing. If you do not wish to receive such mailings or calls, you may “opt out” by logging into our Website or Application and updating your preferences under “Profile”, or by writing, calling, or e-mailing us at the address/numbers listed below:

Address: 160 Robinson Rd, #06-01 SBF Centre, Singapore 068914

Email Address: support@minstant.app

• 2.4 Cookies

We use cookies to provide visitors with a personalised experience on our Website. Cookies are pieces of information that a website transfers to the memory or hard drive of a visitor’s computer for record-keeping purposes. We use cookies to allow access without re-entering the visitor’s user information, to make improvements, and to better tailor our Website to our visitors’ needs. We also use this information to verify that visitors meet the criteria required to process their requests. Most browsers used by visitors have options that allow the visitor to control whether the browser will accept cookies, reject cookies, or notify the visitor each time a cookie is sent. However, if you disable or refuse cookies, please note that some parts of our Website may become inaccessible or not function properly. In addition, you can delete your cookies from your browser program at any time.

• 2.5 Change of purpose

We will only process your Personal Data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If there is any change in the purposes for which we collect your Personal Data, we will inform you of such change by way of e-mail. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at support@minstant.app. If we need to use your Personal Data for an unrelated purpose, we will notify you and will explain the legal basis which allows us to do so as well as obtain your consent to the use of your Personal Data for such purpose where we are required to do so by law.

• 3. Disclosure of information

• 3.1 We may disclose your Personal Data to our affiliates and third parties in limited circumstances as set out below:
• We may share your Personal Data with our suppliers, agents or contractors in connection with services they perform for us or pursuant to agreements with our suppliers or service providers.
• We may share your Personal Data with third parties to comply with a legal obligation, when we believe in good faith that an applicable law requires it, at the request of government authorities conducting an investigation, to verify or enforce our contractual rights or other applicable policies, to detect and protect against fraud or any technical or security vulnerabilities, to respond to an emergency, or otherwise to protect the rights, property, safety or security of third parties and visitors to our website or the public.
• As we continue to develop our business, we may sell or purchase assets. If another entity acquires or merges with us, your Personal Data may be disclosed to such entity.
• Also, if any bankruptcy or reorganisation proceeding is brought by or against us, all such information will be considered an asset of ours and as such it is possible they will be sold or transferred to third parties.

• 3.2 We do not disclose your Personal Data to unaffiliated third parties for their independent use unless we have obtained your express consent to do so. We also require all third parties to respect the security of your Personal Data and to treat it in accordance with the law.

• 4. Retention of information

• 4.1 We only retain your Personal Data for as long as is necessary for us to process your Personal Data as described above. However, please be advised that we may retain some of your Personal Data after you cease to use our services, for instance if the data is necessary to meet our legal obligations, such as retaining the information for tax and accounting purposes.

• 4.2 In some circumstances we may anonymise your Personal Data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

• 5. International transfers of information

We generally do not transfer your Personal Data to countries outside of Singapore. However, if we do so, we will take steps to ensure that your Personal Data continues to receive a standard of protection that is at least comparable to that provided under the PDPA.

• 6. Security

We stive to take commercially reasonable precautions to keep all information obtained from our online visitors secure against unauthorised access (for example, data breach) and use and we periodically review our security measures. Although there is no way that any Website or Application can absolutely guarantee the security of your Personal Data, we are committed to employing reasonable security measures, regularly reviewing our security practices (security risk assessments / audits), and providing regular awareness training. You are responsible for keeping your login information and passwords confidential. We use industry standard Security Certificates/Tools for our Website and Application security certificates. Please be aware that these protection tools do not protect information that is not collected through our Website and Application, such as information provided to us by e-mail.

• 7 Collection of information from children

• 7.1 We do not knowingly collect personal data from children under the age of 13. If you are under the age of 13, please do not provide personal data of any kind whatsoever.

• 7.2 If a child under the age of 13 provides us with personal data, a parent or guardian of that child may have this information deleted from our records by contacting us through support@minstant.app.

• 8. Making changes to your Personal Data

You can access and edit any of the personal data that you have provided by logging into our Website or Application and updating your preferences under “Profile”, or by contacting us through support@minstant.app.

• 9. Links to other sites

Our Website and Application may contain links to other sites. These sites are not covered by this Privacy Policy, and we are not responsible for the privacy practices or the content of those other sites.

• 10. Changes to the Privacy Policy

We reserve the right to modify this Privacy Policy and related business practices at any time by publishing updated versions of this policy from time to time. Please check this page periodically for updates. Your continued use of our Website or Application constitutes your acknowledgement and acceptance of such changes.

• 11. Contact us

If you wish to know more about our data protection practices and policies, please contact our Data Protection Officer, To Suet Yung at tosuetyung@minstant.app.