Privacy Policy

AskKenny is a trading name of FinMart Pte Ltd (UEN [UEN to be confirmed]), a company incorporated in Singapore with its registered office at [Registered office address to be confirmed]. We act as an independent business-funding advisor and broker. We help Singapore small and medium enterprises review funding services and, where suitable and with your consent, introduce you to banks and licensed financial institutions.

This policy applies to personal data we collect through our website, our enquiry and WhatsApp forms, and our communications with you. It does not apply to third-party websites or platforms that we link to or that you use to reach us.

Depending on how you interact with us, we may collect the following personal data:

• Enquiry details that you provide through our forms or WhatsApp, such as your name, phone number, email address, company name, annual turnover range, employee size range, the funding service you are interested in, and any message or details you choose to share.
• Communications when you contact us by phone, email, WhatsApp, or messaging, including the content of those messages.
• Technical and usage data collected automatically when you visit our website, such as your IP address, device and browser type, pages viewed, referring pages, and general interaction data through cookies and similar technologies.
• Information from advertising platforms if you reach us through a Meta (Facebook or Instagram) lead form or advertisement, in which case we receive the details you submitted on that platform.

You do not need to provide personal data to browse general information on our website. If you choose not to provide the details we request in an enquiry, we may not be able to review your funding options or introduce you to a suitable financial institution.

We use your personal data for the following purposes:

• To respond to your enquiry and communicate with you about it.
• To review your situation, assess the funding services that may be suitable, and prepare an eligibility review.
• Where suitable and with your consent, to introduce you to and share relevant details with banks and licensed financial institutions so they can assess your application.
• To provide our advisory and broking services and to follow up on your enquiry.
• To operate, maintain, secure, and improve our website and services.
• To comply with applicable laws, regulations, and lawful requests, and to protect our legal rights.

We collect, use, and disclose your personal data only for purposes that a reasonable person would consider appropriate in the circumstances, and for which you have given consent or for which consent is deemed or permitted under the PDPA.

By submitting an enquiry or providing your personal data to us, you consent to our collection, use, and disclosure of that data for the purposes set out in this policy. If you provide us with personal data about another person, you confirm that you are authorised to do so and that they have consented to our handling of their data as described here.

You may withdraw your consent at any time by contacting us using the details in the section below. We will process your request within a reasonable time. Please note that withdrawing consent may mean we can no longer review your funding options, continue an introduction, or provide certain services. Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal, and we may continue to retain and use data where permitted or required by law.

We may disclose your personal data to:

• Banks and licensed financial institutions that we introduce you to, with your consent, so they can assess your eligibility and application.
• Service providers that support our operations, such as website hosting and infrastructure providers, email and messaging providers, and analytics and advertising providers, who are permitted to use your data only to provide services to us.
• Professional advisers such as our legal, accounting, or compliance advisers where reasonably necessary.
• Authorities and other parties where required or permitted by law, regulation, court order, or to protect our rights, safety, or property.

We do not sell your personal data. Each financial institution, advertising platform, or other third party that receives your data and uses it for its own purposes is responsible for its own handling of that data under its own privacy policy.

Some of our service providers, including our website infrastructure, analytics, and advertising partners, may store or process personal data on servers located outside Singapore. Where we transfer personal data overseas, we take reasonable steps to ensure that the receiving party provides a standard of protection comparable to that required under the PDPA, such as through contractual commitments.

Our website uses cookies and similar technologies to operate the site, understand how it is used, and measure the performance of our marketing. These include:

• Google Analytics (GA4), which helps us understand site traffic and usage.
• Our own first-party analytics, which records anonymous or pseudonymous usage data to help us improve the website.
• Meta (Facebook and Instagram) advertising tools, including the Meta pixel where used and Meta lead forms, which help us run and measure our advertising. Data you submit on Meta platforms is also handled under Meta's own privacy policy.

You can control or disable cookies through your browser settings. You can also opt out of certain analytics and advertising tracking through the tools provided by the relevant providers. Disabling cookies may affect how parts of the website function.

We make reasonable security arrangements to protect personal data in our possession or control against unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your own login details and devices secure.

We retain personal data only for as long as it is needed for the purposes set out in this policy, or for as long as is required to satisfy legal, regulatory, accounting, or reporting requirements. When personal data is no longer needed for any lawful purpose, we will take reasonable steps to delete it or to anonymise it.

We rely on you to provide accurate and complete personal data and to keep it up to date. Please let us know if any of the personal data you have provided changes, so that we can keep our records accurate.

Subject to the PDPA, you may request access to the personal data we hold about you and information about how it has been used or disclosed. You may also request that we correct any error or omission in your personal data. We may charge a reasonable fee for an access request as permitted under the PDPA, and we will let you know of any fee in advance.

To make a request, please contact us using the details in the section below. We may need to verify your identity before processing your request.

We use the contact details you provide to respond to your enquiry and to carry out the eligibility review and introductions you have asked for. We do not send unsolicited marketing messages. If, in future, we wish to send you marketing communications that are not related to your enquiry, we will only do so where permitted by law, including the Do Not Call provisions of the PDPA, and you will be able to opt out at any time.

Our website may contain links to third-party websites and platforms, such as WhatsApp and our social media pages. We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before providing them with your personal data.

If you have any questions about this policy, wish to withdraw consent, or wish to make an access or correction request, please contact our data protection contact:

• Email: kenny.goh@finmart.com.sg
• Phone: +65 8827 4501
• Address: FinMart Pte Ltd, [Registered office address to be confirmed]

We will respond to your request within a reasonable time as required under the PDPA.

We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. The latest version will always be posted on this page with an updated date. Your continued use of our website or services after any change indicates your acceptance of the updated policy.