Privacy Policy | LendKaki

This Privacy Policy describes how Lendkaki Pay Pte. Ltd. (UEN: 202607335C) (“LendKaki”, “we”, “us”, or “our”) collects, uses, and discloses your personal data in accordance with the Personal Data Protection Act 2012 (“PDPA”) of Singapore.

1. Data We Collect

When you use our platform, we may collect the following personal data:

Full name
Mobile phone number
Email address
Desired loan amount and purpose
Nationality / residency status
Device and browser information (via cookies and analytics)
IP address and usage data

2. How We Use Your Data

We use your personal data to:

Match you with suitable licensed lenders in our network
Contact you via WhatsApp, phone, or email with loan offers and updates
Send you marketing messages about our services (with your consent)
Improve our platform and user experience
Comply with legal and regulatory obligations

3. Disclosure to Third Parties

By submitting your information on our platform, you consent to us sharing your personal data with:

Our network of MAS-regulated banks and MinLaw-licensed moneylenders for the purpose of assessing your loan eligibility
Service providers who assist us in operating our platform (e.g., analytics, hosting)

We do not sell your personal data to any third party. We only share data as described in this policy or with your explicit consent.

4. 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 law. You may request deletion of your data at any time by contacting us.

5. Marketing Communications

By submitting a form on our platform and consenting to receive marketing messages, you agree to receive communications from LendKaki and our partner lenders via WhatsApp, SMS, or email. You may opt out at any time by contacting us at support@lendkaki.sg.

6. Cookies

We use cookies and similar tracking technologies to analyse traffic, personalise content, and improve your experience. You may disable cookies in your browser settings, though this may affect platform functionality.

7. Security

We implement industry-standard security measures to protect your personal data from unauthorised access, disclosure, or loss. All data is transmitted over encrypted (SSL/TLS) connections.

8. Your Rights

Under the PDPA, you have the right to:

Access the personal data we hold about you
Correct inaccurate personal data
Withdraw consent for us to use your personal data
Request deletion of your personal data

To exercise any of these rights, please contact our Data Protection Officer at support@lendkaki.sg.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date. Continued use of our platform constitutes acceptance of the revised policy.

10. Contact Us

For any privacy-related queries or concerns, please contact us at:

Lendkaki Pay Pte. Ltd. · UEN: 202607335C
2 Venture Drive, #19-21, Vision Exchange, Singapore 608526
Email: support@lendkaki.sg