Privacy Policy

Effective Date: 01/12/2024

SansDebt Group Pte Ltd (“we”, “our”, or “SansDebt”) values your privacy and is committed to protecting the personal data we collect. This Privacy Policy explains how we collect, use, store, and share your personal data when you visit our website, use our services, or interact with us in any other way.

1. Information We Collect

We collect both personal and business information to provide our services effectively. The types of data we collect include:

  • Personal Information:
    • Company officers’ names, emails, and phone numbers.
    • IP addresses for tracking usage on our website and service interactions.
  • Business Information:
    • Invoice details, including invoice number, date of invoice, due date, amount, and currency.

We may collect this information via:

  • Website Forms: For inquiries and sign-ups.
  • Google Analytics: For website performance tracking.
  • API, CSV/XLS: For invoice management and service delivery via our dashboard.

2. How We Use Your Data

We use the collected data for the following purposes:

  • Providing Our Services:
    • To manage overdue invoice collections and related services for our clients.
  • Late Payer Index:
    • We track late payer information (company name and time to settle payments) to build our Late Payer Index database. This helps identify trends and improve payment practices.
  • Analytics and Performance Tracking:
    • To monitor and improve the functionality of our website and services, including usage patterns and user behavior.
  • Legal Compliance:
    • To ensure that our business practices comply with applicable legal obligations.

3. Sharing Your Data

We share data with third-party service providers solely to support our services:

  • Service Providers:
    • We use third-party APIs and providers to enable functionalities such as voice calls (e.g., telecommunications providers) and technical services necessary to provide the platform. These providers only access necessary data to perform their functions and are obligated to handle your data securely.

4. Data Security

We implement appropriate technical and organizational measures to protect your data from unauthorized access, alteration, or destruction. Our data is hosted on secure servers and protected using encryption and access control practices.

5. Data Retention

  • General Data Retention:
    • We retain your data as long as necessary to provide our services unless you request deletion.
  • Request for Deletion:
    • Clients may request deletion of their data by contacting us at data@sansdebt.com.
    • However, Late Payer data cannot be deleted as it contributes to the Late Payer Index for reporting purposes and other legitimate interests.

6. User Rights

  • Access and Correction:
    • You have the right to request access to and correction of your personal data held by us.
  • Deletion Requests:
    • If you wish to delete your data (except Late Payer data), you may contact us at data@sansdebt.com.

7. Compliance with Legal Standards

We are in the process of ensuring compliance with the Personal Data Protection Act (PDPA) of Singapore. This policy is subject to change as we further align with regulatory requirements.

8. Cookies and Tracking Technologies

We use functional and analytical cookies on our website:

  • Functional Cookies: Necessary for the website’s basic functions.
  • Analytical Cookies: Used for performance tracking, primarily through Google Analytics, to understand how users interact with our website.

You can manage your cookie preferences via your browser settings.

9. Automated Decision-Making

In the event that our services involve automated decision-making (e.g., assessing invoice collections), we will notify you and offer an explanation of how decisions are made, especially if they impact you.

10. Disclosure of Data

  • Court Case Reports:
    • In the case of failed mediation, we may be required to generate reports for legal proceedings. This may involve using all relevant data concerning interactions with late payers.

11. Age Restrictions

Our services are not intended for individuals under the age of 18. We do not knowingly collect or process personal data from minors.

12. Policy Updates

We may update this Privacy Policy from time to time. Any changes will be communicated to you via email, and the updated policy will be posted on our website with an updated effective date.

13. Contact Us

If you have any questions or concerns regarding this Privacy Policy or your data, please contact us at:

Email: data@sansdebt.com

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