Privacy Policy
Effective Date: June 2024
Disclaimer: This document is a standard template provided for informational purposes regarding the data processing activities of Paper Dwelling. It does not constitute formal legal advice. For specific legal concerns regarding Singapore's Personal Data Protection Act, please consult a qualified legal professional.
1. Data Controller
Paper Dwelling, operating within the jurisdiction of Ang Mo Kio, Singapore, acts as the Personal Data Controller. We are committed to safeguarding your financial aspirations and personal information in strict accordance with the Personal Data Protection Act 2012 (PDPA).
2. Information We Collect
We process personal data including: Full name, NRIC/FIN (where legally permissible for housing eligibility), contact numbers, email addresses, IP addresses, CPF contribution history, and household income brackets for the purpose of housing financial modeling.
3. Legal Basis
Processing is conducted based on: (a) Your explicit consent; (b) Contractual necessity for service delivery; (c) Legitimate interests in providing tailored financial guidance for Singapore's property market.
4. Detailed Purpose of Processing
The primary objective of Paper Dwelling is to assist individuals in Ang Mo Kio and across Singapore to navigate the complexities of HDB and private property acquisition. Consequently, your data is utilized for:
- Analyzing eligibility for CPF Housing Grants and HDB concessionary loans.
- Structuring long-term savings protocols for downpayment accumulation.
- Improving our digital infrastructure and user experience via analytical cookies.
- Sending periodic updates on Singapore residential market trends and regulatory changes.
5. Retention of Personal Data
In alignment with Singapore's regulatory standards, Paper Dwelling retains personal data only for as long as is necessary to fulfill the purposes for which it was collected, or as required by law. For financial consultation records, this typically extends to 7 years to comply with IRAS and general commercial record-keeping requirements.
6. Third-Party Transfers & Cross-Border Data
We do not sell your personal data. Data may be shared with:
- Cloud infrastructure providers (e.g., AWS, Google Cloud) which may store data outside Singapore under strict Standard Contractual Clauses (SCCs) ensuring protection equivalent to the PDPA.
- Licensed mortgage brokers or legal conveyancing partners, strictly upon your authorization.
7. Your Rights Under the PDPA
As a resident of Singapore, you are entitled to the following rights regarding your personal data:
Right of Access
You may request information about how your data has been used or disclosed within the past year.
Right of Correction
You may request the correction of any inaccurate or outdated personal data we hold about you.
Withdrawal of Consent
You may withdraw consent for data processing at any time, subject to legal or contractual restrictions.
Data Portability
The right to request transfer of your data to another organization in a structured format.
8. Cookie Compliance
Our website utilizes cookies to distinguish you from other users. This helps us provide a seamless experience when you calculate your mortgage eligibility. For detailed information, please refer to our Cookie Compliance page.
9. Contact Our Data Protection Officer
For any inquiries regarding your data, or to exercise your rights under the PDPA, please contact our Data Protection Officer (DPO) at Paper Dwelling:
Address: 724 Ang Mo Kio Avenue 6, Singapore 560724, Ang Mo Kio, Singapore
Email:
Phone: +65 8336 7103