This privacy policy was last modified on 12 September 2017.

1.     YOUR PRIVACY IS IMPORTANT TO US

1.     In this policy, "we", "us", "our" means PayConstruct, "you", "your" or "yours" means the persons to whom this policy applies.

2.     The security of your personal data is important to us. We have in place safeguards to protect the personal data stored with us. This policy describes how we may collect, use, disclose, process and manage your personal data.

3.     This policy applies to any data which is in our possession or under our control.

4.     In the event of any inconsistency between different versions of this policy, the English version shall prevail.

5.     Please read this policy carefully to understand the types of information we collect from you, how we use that information and the circumstances under which we will share it with 3rd parties. By using our website (our "Website") or our mobile application ("Mobile App"), you are accepting and consenting to the practices contained in this policy. Unless stated otherwise, a reference to our Website shall be deemed to also refer to our Mobile App.

2.    WHAT DATA WE COLLECT

1.     We may collect the following data about you:

1.     Information that you give us: You may give us information about you by filling in our registration forms on our Website or by any other means of correspondence. This includes (but not limited to):

(a) Personal particulars (e.g. name, contact details, address, date of birth, identify card/passport details, financial and credit card information, payment reason, geographic location, proof of address and other documents);

(b) Employment details (e.g. occupation, directorships and other positions held);

(c) Banking information (e.g. account numbers); and/or

(d) Personal opinions made known to us (e.g. feedback or responses to surveys).

2.     Information we collect about you: Our Website and Mobile App uses cookies. A cookie is a small text file placed on your computer or mobile device when you visit a website or use an app. Cookies collect information about users and their visit to the website or use of the app, such as their Internet protocol (IP) address, how they arrived at the website and how they navigate within the website or app. We use cookies and other technologies to facilitate your internet sessions and use of our Mobile App, offer you products and/or services according to your preferred settings, track use of our Website and Mobile App and to compile statistics about activities carried out on our Website and/or Mobile App. We also collect details of the transfers you carry out via our Website, including the geographic location from which the transaction originates.

3.     Information we receive from other sources: we may receive information about you if you use any of the other services we provide. We also may receive information from banks when you use them to transfer money to us. We may also receive information about you from third parties.

3.    USAGE OF THE DATA

1.     We may use the data for our core business purposes, such as: (a) Providing products or services that you request from us; (b) Assessing and processing applications, instructions or request from you; (c) Communicating with you, including providing you with updates on changes to products and services, including any additions, expansions, suspensions and replacements of or to such products and services and their terms and conditions; (d) Conducting screenings or due diligence checks as may be required under applicable law or regulations; (e) Complying with all applicable laws, regulations, rules, directives, orders, instructions and requests from any local or foreign authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities; (f) Monitoring products and services provided by or made available through us; (g) Financial reporting, regulatory reporting, management reporting, risk management, audit and record keeping purposes; and (h) Seeking professional advice, including legal advice.

4.    DISCLOSURE OF DATA

1.     We may from time to time and in compliance with all applicable laws on data privacy, share the data to any member of our group or to third parties (including business partners, suppliers, advertisers, analytics and search engine providers), whether located in Singapore or elsewhere, in order to carry out the purposes set out above. Please be assured that when we disclose your personal data to such parties, we require them to ensure that any personal data disclosed to them are kept confidential and secure.

2.     We wish to emphasise that PayConstruct does not sell personal data to any third parties and we shall remain fully compliant of any duty or obligation of confidentiality imposed on us under the applicable agreement(s) and/or terms and conditions that govern our relationship with you or any applicable law. All information you provide to us is stored on our secure servers. We may transfer, store, process and/or deal with your personal data outside Singapore. In doing so, we will comply with the applicable data protection and privacy laws.

5.    OTHER WEBSITES

1.     Our Website may contain links to other web sites which are not maintained by PayConstruct. This privacy policy only applies to our Website. When visiting these third party web sites, you should read their privacy policies which will apply to your use of the web sites.

6.    ACCESS AND CORRECTION

1.     You may request access or make corrections to your data held by us. We may charge a fee for processing your request for access or corrections. Such a fee depends on the nature and complexity of your request. Information on the processing fee will be made available to you.

2.     Please contact us (please see the "Contact us" section below) for details on how you may request such access or corrections.

7.    CONTACT US

1.     To contact us on any aspect of this policy or to provide any feedback that you may have, please contact us at privacy@payconstruct.com.

8.    AMENDMENTS AND UPDATES OF OUR PRIVACY POLICY

1.     We may amend this policy from time to time to ensure that this policy is consistent with any developments to the way PayConstruct uses your data or any changes to the laws and regulations applicable to PayConstruct. We will make available the updated policy on this page.

9.    LAW AND JURISDICTION

1.     This privacy policy and any dispute or claim arising out of this privacy policy is governed by the Laws of England.

2.     Any dispute or claim arising out of or in connection with this privacy policy will be subjected to the non-exclusive jurisdiction of the courts of England.