Privacy Policy

1. Introduction

FYNCA ("we", "us", "our") is committed to protecting the personal data of our users in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our website at www.fynca.com.sg and our related services.

By accessing our platform or submitting a loan enquiry, you consent to the collection and use of your personal data as described in this policy.

2. Data We Collect

We may collect the following categories of personal data:

• Identity data: Full name, NRIC/FIN, date of birth
• Contact data: Email address, mobile number, residential address
• Business data: Company name, UEN, business registration documents
• Financial data: Bank statements, Notice of Assessment (NOA), financial statements, existing loan information
• Credit data: Credit Bureau Singapore (CBS) reports
• Usage data: IP address, browser type, pages visited, time spent on site
• MyInfo/Singpass data: Where you choose to pre-fill your application via Singpass, we receive verified personal and business data from the Singapore Government's MyInfo service

3. How We Use Your Data

We use your personal data for the following purposes:

• To assess your loan eligibility and match you with suitable lending partners
• To communicate with you regarding your application status
• To submit your application to our panel of lenders on your behalf
• To comply with our legal and regulatory obligations
• To improve our platform and services
• To send you relevant updates about your application (not for marketing without consent)

4. Disclosure of Personal Data

We may disclose your personal data to:

• Lending partners: Banks, licensed moneylenders, finance companies, and private credit funds on our panel, for the purpose of evaluating and processing your loan application
• Service providers: Third-party technology providers who assist us in operating our platform (e.g. cloud hosting, email delivery), bound by confidentiality obligations
• Regulatory authorities: Where required by law, court order, or government directive

We do not sell your personal data to third parties.

5. Consent

By submitting a loan enquiry on our platform, you expressly consent to FYNCA collecting, using, and disclosing your personal data to our lending partners for the purposes of loan assessment and processing. You may withdraw your consent at any time by contacting us at hello@fynca.com.sg, though this may affect our ability to assist you.

6. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. Where your application is unsuccessful or withdrawn, we will retain your data for a period of up to 5 years for record-keeping and regulatory compliance purposes.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. Our platform uses industry-standard encryption (TLS/HTTPS) and access controls. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Under the PDPA, you have the right to:

• Access the personal data we hold about you
• Correct any inaccurate or incomplete personal data
• Withdraw consent for the collection, use, or disclosure of your data
• Request deletion of your data where it is no longer necessary for us to retain it

To exercise any of these rights, please contact our Data Protection Officer at hello@fynca.com.sg.

9. Cookies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyse site traffic. You may disable cookies through your browser settings, though some features of the platform may not function correctly as a result.

10. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our platform after changes are posted constitutes your acceptance of the revised policy.

12. Contact Us

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