Privacy Notice

1. Introduction

TowkayKaki ("we", "us", or "our") is committed to protecting your personal data. This Privacy Notice explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. What We Collect

We collect only the information you voluntarily provide through our enquiry forms:

• Full name
• Email address
• Phone number
• Financing type and loan amount range
• Loan purpose (if provided)
• Property and loan preference details for rate enquiries

We do not collect identification documents (NRIC, passport), bank account numbers, or financial statements through this website.

3. How We Use Your Data

Your personal data is used solely to:

• Respond to your financing enquiry
• Connect you with suitable loan options
• Communicate with you about your enquiry

4. Data Sharing

We do not sell, trade, or rent your personal data to third parties. Your data may be shared only with lending institutions you have expressed interest in, and only with your consent.

5. 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 applicable law.

6. Your Rights

Under Singapore's Personal Data Protection Act (PDPA), you have the right to:

• Request access to your personal data
• Request correction of your personal data
• Withdraw consent for data collection and use

7. Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction.

8. Contact

For questions about this Privacy Notice or to exercise your data rights, please contact us through our website enquiry form or via WhatsApp.