Private Policy

Privacy Policy for mx-rich.com & ai.mx-rich.com

Last Updated: October 1, 2025

1. Introduction

MXRICH Pte Ltd ("MXRICH," "we," "us," or "our"), a company incorporated in Singapore with Unique Entity Number (UEN) 201501173N, operates the website mx-rich.com and the AI.MxRICH (ai.mx-rich.com) platform (collectively, the "Platform"). We are committed to protecting your personal data in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA). This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you use our Platform.

2. Information We Collect

We collect the following types of information:

2.1 Personal Data

  • Identity and Contact Information: Name, email address, phone number, residential address, and identification details (e.g., NRIC or passport number, where required).
  • Financial Information: Income details, employment information, credit history, and other financial data provided for mortgage advisory services.
  • User-Provided Data: Information you submit through forms, surveys, or interactions with the Platform.

2.2 Non-Personal Data

  • Usage Data: Information about how you use the Platform, such as pages visited, time spent, and interactions with features.
  • Technical Data: IP address, browser type, device information, and operating system.
  • Cookies and Tracking Technologies: We use cookies to enhance your experience, analyze usage, and improve our services. You can manage cookie preferences through your browser settings.

3. How We Collect Information

We collect information:

  • Directly from you when you register, complete forms, or interact with the Platform.
  • Automatically through cookies, analytics tools, and server logs.
  • From third parties, such as banks or financial institutions, with your consent or as permitted by law.

4. How We Use Your Information

We use your personal data to:

  • Provide mortgage advisory services and property market reviews via AI.MxRICH.
  • Connect you with third-party lenders for loan brokerage purposes.
  • Personalize your experience and improve the Platform’s functionality.
  • Communicate with you, including responding to inquiries and sending service-related updates.
  • Comply with legal obligations under Singapore law.
  • Conduct analytics to understand user behavior and enhance our services.

5. Disclosure of Your Information

We may disclose your personal data:

  • To third-party financial institutions (e.g., banks) to facilitate loan applications, with your consent.
  • To service providers (e.g., cloud hosting, analytics providers) who assist in operating the Platform, subject to strict confidentiality agreements.
  • To comply with legal or regulatory requirements, such as requests from Singapore authorities.
  • In the event of a business transfer (e.g., merger or acquisition), where your data may be transferred to the new entity.

We do not sell your personal data to third parties.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal data from unauthorized access, loss, or misuse. However, no system is completely secure, and you provide data at your own risk.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by Singapore law. When data is no longer needed, we securely delete or anonymize it.

8. Your Rights Under the PDPA

As a user, you have the following rights regarding your personal data:

  • Access: Request access to the personal data we hold about you.
  • Correction: Request correction of inaccurate or incomplete data.
  • Withdrawal of Consent: Withdraw consent for data processing, subject to legal or contractual restrictions.
  • Complaint: Lodge a complaint with us or the Personal Data Protection Commission (PDPC) if you believe your data is mishandled.

To exercise these rights, contact us at [Insert contact email].

9. International Data Transfers

If your data is transferred outside Singapore (e.g., to third-party service providers), we ensure that recipients provide a standard of protection comparable to the PDPA.

10. Cookies and Tracking

We use cookies to enhance your experience and analyze Platform usage. You can disable cookies in your browser, but this may affect the Platform’s functionality. For details, refer to our Cookie Policy [link to Cookie Policy, if applicable].

11. Third-Party Links

The Platform may contain links to third-party websites (e.g., bank portals). We are not responsible for the privacy practices of these websites. Please review their privacy policies before providing personal data.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Website or via email. Your continued use of the Platform after changes constitutes your acceptance of the revised policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:
MXRICH Pte Ltd
UEN: 201501173N
Email: consultant001@mx-rich.com