By providing your personal data to us, you acknowledge and agree that you have fully read and understood this policy, and are consenting to the collection, use, processing and disclosure of your personal data as described in this policy.
1.1 “Personal data” means any data relating to an individual who can be identified from that data or from that data and other information to which we have or may have access to. Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address and any other information relating to any individuals which you have provided us in any forms you may have submitted to us, or via other forms of interaction with you. It is important that the information has the data subject as its focus and affects the individual's privacy in some way.
1.2 “Processing” is any activity that involves use of the data. This includes obtaining, recording or holding the data, or carrying out any operation or set of operations on the data including organizing, adapting, altering, amending, retrieving, combining, using, disclosing, erasing or destroying it. Processing also includes transferring personal data to third parties.
1.3 “Progressive Web App (PWA)” includes any subdomains thereof, and any other websites and smart device applications through which Acciopay makes its services available, and the services provided through the PWA.
2.1 By using our services, you voluntarily agree to and give Acciopay the right to process your installment application and provide our services by using your information and data obtained. The data we collect includes but is not limited to:
2.1.1 Personal information that you provide through the verification form, manually or filled up through Singpass login. This information is used to identify an individual, such as your name, NRIC/FIN/passport number, date of birth, gender, nationality, email address, mobile number, residential address, housing type, marital status, highest education level, residential status, pass type, pass status and pass expiry date. This is done with the aim to verify your account and prevent fraud.
2.1.2 Education information such as school name, faculty, year of study that is provided through third parties including the Student Affiliate.
2.1.3 Billing and payment information, including name of the debit cardholder or account holder, debit card number, security code and expiry date.
2.1.4 Application usage information that will inform us on the steps and interactions you take while using Acciopay’s PWA, including how you view and interact with content, the service features you use, the information you search for and the actions you take. This aims to prevent fraud and improve our PWA.
2.1.5 User log data to track your record of usage (“logs”) when you use our services. This log may contain information such as the IP address of the computer or device you use to access our services, your operating system and platform, browser type, the web page you visited before logging into our platform, the pages of our site you visited, the activities you carried out on our platform, when and date of access, as well as other statistical information.
2.1.6 Information you provide in the verification form Profile Registration Form Information - we obtain this information through online forms or fields that we previously provided on our PWA, or from the information you provide when contacting Student Affiliates, or our Customer Service Department for the purpose of verification, assessment and approval of your Deferred Payment application.
2.1.7 Information from your social network (for example, Facebook, Instagram, etc.) that you choose to link with your profile on Acciopay. We will record interactions and basic information obtained from such social networks that you use to connect to our services.
2.1.8 Other information you choose to attach such as student matriculation card, 11B, post-paid mobile bill record for the latest month, power supply bill, 3 months CPF contribution, proof of income and financial details, photographs, videos and/or audio recordings collected from us through online (websites, emails, apps, PWA etc.) or offline platforms (events, surveys, phone calls, etc).
2.1.9 Information gathered automatically using cookies when your browser accesses and you log-in on our PWA. Information on cookies may be found in the section below.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer or device.
You can block or deactivate cookies in your browser settings.
We use log-in cookies to remember you when you have logged in for a seamless experience.
Cookies will help us to find our features that are most interesting to you and what content you have visited in the past. When you visit this site again, cookies will make it easier for us to customize the content according to your needs. This helps us to provide you with a good experience with you use our PWA and also allows us to improve our PWA for you.
These cookies do not track individual user information, and all of our cookie data is encrypted and cannot be read by other websites and mobile applications.
4.1 We will/may collect, use, disclose and/or transfer your personal data for one or more of the following purposes:
4.1.1 To verify your identity and distinguish you from another person with the same or similar details as yourself.
4.1.2 To carry out KYC and other screening activities (including security and background checks) in accordance with legal or regulatory obligations or our risk management procedures that may be required by law or that may have been put in place by us.
4.1.3 To make decisions on the approval of your account and orders.
4.1.4 To process, respond and handle any of your enquiries, requests, applications, and feedback.
4.1.5 To fulfill your orders.
4.1.6 To collect and settle any debt owed by you to us.
4.1.7 To prevent, detect and investigate any commercial risks, fraud, unlawful activity, misconduct, whether or not there is any suspicion of the aforementioned.
4.1.8 To conduct investigations relating to disputes, billing or fraud.
4.1.9 To conduct research, analysis and development activities (through data analytics, surveys, focus groups and/or profiling) to improve our services and facilities for your benefit and to improve our marketing initiatives.
4.1.10 For marketing purposes like sending you news, information, materials and/or updates about promotional events, marketing campaigns, products and/or services that we provide, with your consent. All these will be sent via postal mail and/or electronic transmission and/or email address(es) and/or text messages to the phone number(s) you provide. You may unsubscribe from this service in the manner set out in Section 7 below.
4.1.11 For providing customer service and support.
4.1.12 For providing media announcements and responses.
4.1.13 To comply with or as required by any request or direction of any governmental authority; or respond to requests for information from hospitals, embassies, public agencies, ministries, statutory boards or other similar authorities (including but not limited to the Ministry of Defense, Ministry of Trade and Industry, Ministry of Education, Immigration and Checkpoints Authority, Ministry of Health, Ministry of Home Affairs, Ministry of Manpower, Ministry of Foreign Affairs, Ministry of Social & Family Development and Central Provident Fund Board).
Disclosure and Transfer of Personal Data
We may disclose and/or transfer your personal data both within and outside of Singapore, to a third party as required by any applicable law or legal requirements, court, authority, governmental or regulatory requirements of any jurisdiction applicable to us or our affiliates/associated companies which may be within or outside Singapore.
Without limiting the generality of the foregoing, such third parties include:
5.2.1 persons and entities involved in providing the goods and services to you, including our collaborative partners, agents, vendors, third-party payment providers, banks, third party service provider including those which provide administrative or other services to us such as mailing houses, telecommunication companies, IT companies and data centers;
5.2.2 third parties who are involved in or in connection with potential or actual litigation, arbitration or other legal process with us;
5.2.3 any credit reference bureau or agency where necessary and appropriate; and
5.2.4 any person to whom disclosure is reasonably considered by us to be necessary.
In this regard, you hereby acknowledge, agree and consent that we may/are permitted to disclose your personal data to such third parties (whether located within or outside Singapore)
Where we transfer your personal data to countries outside of Singapore, 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.
Withdrawing Your Consent
The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent by writing to our email at email@example.com. However, your withdrawal of consent could result in certain legal consequences arising from such withdrawal, including us being unable to perform your requested orders and transaction on our PWA. Should you decide to cancel your withdrawal of consent, please inform us in writing in the same manner.
Upon receiving your written request to withdraw your consent, we may require up to 10 working days (depending on the complexity of the request and its impact on our relationship with you) to process your request and inform you on the consequences which may affect your rights and liabilities to us.
Please note that your withdrawal of consent will not affect our right to continue to collect, use and disclose personal data where such collection, use and disclosure without consent is permitted or required under applicable laws.
Withdrawal of Consent for Marketing Purposes
You have the right to ask us not to use your personal data for marketing purposes. If you no longer wish to receive marketing messages from us, you may request to withdraw your consent by emailing us, or click on the unsubscribe button located in the marketing message, where applicable.
Storage of Personal Data
All information that you provide to us is stored securely in Amazon Web Services relational database. All information you provide to us is stored on secure servers and any payment transactions will be encrypted using SSL technology. Where we give you (or you have chosen) a password that enables you to access certain parts of our website, you are responsible for keeping this password strictly confidential. We ask you not to share the password with anyone.
We will put in place measures such that your personal data in our possession or under our control is destroyed and/or anonymized as soon as it is reasonable to assume that (a) the purpose for which that personal data was collected is no longer being served by the retention of such personal data; and (b) retention is no longer necessary for any other legal or business purposes.
Data Access and Correction
You have the right to access and/or correct any personal data that we hold about you, subject to certain exceptions. If you would like to update and/or correct your personal data which you have previously provided to us, please email us at the contact details provided below.
For a request to correct or update your mobile number, please get in touch with us at firstname.lastname@example.org in 3 working days so that you can continue to log in normally into the PWA. Otherwise, we may suspend your account to ensure the security of your account is not breached.
For a request to correct other types of personal data, once we have sufficient information from you to deal with the request, we will correct your personal data within 30 days. Where we are unable to do so within the said 30 days, we will notify you of the soonest practicable time within which we can make the correction. Note that the PDPA exempts certain types of personal data from being subject to your correction request as well as provides for situation(s) when correction need not be made by us despite your request. We will send the corrected personal data to every other organisation to which the personal data was disclosed by us within 1 year before the date the correction was made, unless that other organisation does not need the corrected personal data for any legal or business purpose.
Please note that a reasonable fee may be charged for an access request, and we will inform you of the fee before processing your request.
Acciopay Pte Ltd
60 Paya Lebar Road
#12-32, Paya Lebar Square,
11.2 We reserve the right to change this policy with or without notice. Any changes to this policy will be posted on and can be viewed at acciopay.io/privacypolicy.