Privacy Policy



CrediLinq.Ai values transparency. With this Digital Privacy Policy (“Policy”), we aim to help you understand what information we collect, why we collect it, how we use it, including if and how your information is shared, and the options you have in relation to your information. Our collection, use, and storage of your personal information are subject to Singapore’s Personal Data Protection Act (PDPA 2012); please refer to this Policy for more information. *While our affiliate companies will have their own privacy policies, where that is not the case, this Privacy Policy will apply. *

Your trust is important to us, and our goal is to ensure your personal information is safe. We remain committed to using information collected in a respectful and transparent way for the sole purpose to provide our clients with the best-in-class products and services to meet your business needs.

By accessing and using our website, submitting any information to us, or signing up for any products or services offered by us, you agree that you have read and understood this Digital Privacy Policy and consent to us collecting, using, disclosing amongst ourselves your personal information/data, and disclosing such personal information/data to our authorised service providers and relevant third parties in the manner set forth in this Policy.

Our Privacy Policy is overseen by our Technology department while our policies are approved by executive management. This Policy may be updated or revised from time to time in order to remain current with applicable laws, regulations, and technology.


Personal information is information that can be used to identify you. Personal information can include: Your name (first and last), your address, telephone numbers (home, work, mobile), the e-mail address registered to your name, your date of birth, government-issued identification number(s), your credit history, your bank account number, your financial information (your assets, liabilities, and transactions from your account), amongst others.

 Information collected and stored by us is used to create your customer profile. Your customer profile helps us better understand your needs and allows us to offer our clients customized products and services as well as meet any regulatory or legal requirements if required.


When you visit our website, we collect data about the device you use to access our website such as a computer, mobile, and/or mobile application. This information can include the Internet Protocol address (“IP address”), mobile device identification number or other device identifiers, the operating system, browser type, average time spent on our website as well as the date and time you entered our website.

This information helps us to better align our settings to your device in order to improve digital functionality and enhance our security measures. With regard to security, collecting this information supports our fraud prevention measures as well as internal analysis and reporting for abnormal behaviours.

This information can also be used to help us understand how we can improve our website and provide you and our clients with a better experience when you visit our website.


Our website utilizes both session cookies and persistent cookies as well as pixel tags and other digital technologies. With cookies, your use of our website is more efficient by being faster and tailored to your interests.

4.1       Session Cookies

Session cookies are temporary cookies that expire when you leave our website. Session cookies support the website by allowing it to recognize you as you navigate between web pages for the duration you are on our website.

4.2       Persistent Cookies

Persistent cookies are stored on your device between website visits until their expiry or they are deleted. Persistent cookies are able to recognize you when you revisit our website, remembering your preferences and therefore tailoring services to you.

4.3       Pixel Tags

Pixel tags provide us with an understanding of how you interact with our website and e-mails. Pixels can determine if an e-mail has been opened or forwarded and how much of it has been read. Pixels also connect with servers to obtain images and other content for your browser. Additionally, this technology can collect information about the IP address and browser used to access our website.

Information from pixel tags helps us to better share new products via targeted ads, with you.


Ultimately, we strive to utilize technology to better serve our customers. Information collected helps to tailor your experience on our website to your preferences for a safer, faster and more efficient visit.

5.1       Your Security

 With information such as an IP address and browser type collected using the technologies discussed earlier, we are able to verify and authenticate you and your computer. This helps to identify and prevent fraud.

5.2       Stored for Efficiency

Once we’ve verified who you are, the technologies we use help to make your experience on our website efficient and seamless by not requiring you to re-enter your details each time you enter a new page on our website.

We enable cookies to collect information about your activity on our website in order to ensure we create a superior user experience. By knowing what browser you use, we can utilize features that allow pages to be loaded faster, for example. With the use of persistent cookies, our site will automatically adjust to the location, language and currency that you have initially selected, for your subsequent visits to us.

5.3       Business Analytics

Google Analytics is a third-party vendor that provides web-based analytic tools. Third-party vendors may collect similar information such as your IP address, the date you visit our website, and how you landed on our website (via direct link or from another website). Google Analytics (or other third-party web analytics service provider) stores user activity on their server so that they can provide us with informative reports regarding activity on our website. For more information, see “Google Analytics and Privacy”. 


Understanding visitors’ behaviours and engagement on our website allow our team to create marketing and business strategies that better serve our client’s needs. This knowledge will also enable us to ensure you can easily find the information most of our users are looking for and locate the products you need easier and faster. 


The data collected on our website can then be cross-referenced with the data collected with those of you who are already using our products. This holistic view of your profile can enable us to customize our products, services and communications to your needs.

 5.4       Customized Marketing/Advertising

Customized marketing/advertising means we will only share with you information and products/services that are most relevant to your interests and needs. We achieve this by understanding your browsing patterns and how you have navigated our website. Third parties (such as Google and HubSpot) may use their own technologies (including those listed in Section 4 above) to collect and analyze how you interacted on our website to deliver marketing and information more relevant to your interests. We do not control these third parties tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. 


You can control the collection of your information by the cookie by disabling this function in your browser’s settings. Please be advised that disabling or limiting the use of cookies could result in reduced functionality of our website.

To opt-out of having your information stored by Google Analytics, please visit the opt-out browser add-on.

If you wish to delete, update or change your personal information, you may contact us at Changes per your request will be reflected within a reasonable period of time. We may retain all information you submit for backups, fraud prevention, and analytics, to meet any legal/regulatory obligations, or where we otherwise reasonably believe that we have a legitimate reason to do so.


We will only retain your personal information for as long as necessary for the purpose for which that information was collected and to the extent permitted by applicable law. We will not retain the personal information you provided or that we have collected beyond any business or legal purposes. With this, we will take all reasonable security measures to dispose of or destroy the personal information which we no longer require.


This Policy is subject to change from time to time to address new security features or concerns as they arise. We will displace the updated policy on our website, and we strongly suggest you review it from time to time. Our Policy will indicate the date of any changes for your convenience.



We have implemented technical, organizational, and physical measures designed to protect the confidentiality, integrity, and availability of your Personal Information and Collected Data and secure such Information from destruction, unauthorized access, alteration, collection, use, disclosure, modification, disposal, fraudulent misuse and/or any other unlawful processing, as well as other natural and human dangers.

However, we cannot completely guarantee the security of any personal information we may have collected from or about you, or that for example, no harmful code (e.g. viruses, bugs, trojan horses, spyware or adware) will enter our website. You should be aware of the risks associated with using websites.

While we strive to protect your personal information, we cannot ensure the security of the information you transmitted to us via the Internet.


The personal information we collect may be transferred to and processed by third parties in other countries. In all such instances, we shall ensure that the transfer of your personal information is carried out in accordance with any applicable laws and that appropriate safeguards (e.g. contractual, technical and organisational measures) are put in place before such transfer takes place.

11         CONTACT US

If you have any questions about this Policy or the information/data we collect, please contact us at