References to "Applications" refers to Cialfo Pte. Ltd’s web application, Android application, iOS application and WeChat applicable.

The Applications are brought to you by Cialfo Pte. Ltd. (hereinafter referred to as "we" or "us" or "our", as the case may be). We take the privacy of our users very seriously. We ask that you read this Privacy Policy carefully as it contains important information about how we will collect, use and disclose your personal data.

By interacting with us using your personal data, or submitting your personal data to us, or signing up for any products, services or activities offered by us, you agree and consent to the collection, use and disclosure of your personal data for the purposes set forth in this Privacy Policy. You also acknowledge that Cialfo Pte. Ltd. as well as our respective representatives and/or agents may from time to time amend, modify or otherwise update this Privacy Policy at its discretion, without prior notification. We therefore advise you to periodically check this Privacy Policy for any updates to this Privacy Policy.

Personal data we may collect about you

We will obtain personal data about you (such as your name, address, payment details), whenever you complete an online form. Generally, we will only process your Personal Data as described in this Privacy Policy.

For example, we will obtain your personal data when you register to use the Applications, send us feedback, contact us for any reason, sign up to a service, enter a competition, purchase goods or services. We may also obtain sensitive personal data about you if you volunteer it during the completion of an online form. If you volunteer such information, you will be consenting to our processing it for the purposes specified below.

We may monitor your use of the Applications through the use of cookies and similar tracking devices. For example, we may monitor how many times you visit, which pages you go to, traffic data, location data, your computer’s internet protocol address and the originating domain name of a user's internet service provider. This information helps us to build a profile of our users. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually.

Occasionally we may receive information about you from other sources, which we will add to the information we already hold about you in order to help us improve and personalise our service to you.

How we use your personal data

We will use your personal data for purposes include, but are not limited to, the following: —

  • to help us identify you and any accounts you hold with us;
  • administration;
  • research, statistical analysis and behavioural analysis;
  • customer profiling and analysing your purchasing preferences;
  • marketing;
  • fraud prevention and detection;
  • billing and order fulfilment;
  • credit scoring and credit checking;
  • customising the Applications and its content to your particular preferences;
  • to notify you of any changes to the Applications or to our services that may affect you;
  • security vetting; and
  • improving our services
Marketing and opting out

If you have given permission, we may share your personal data with organisations who are our business partners and we or they may contact you (unless you have asked us or them not to do so) by mail, telephone, SMS, text or picture or video message, fax, email and other means about our products, services, promotions, special offers that may be of interest to you. If you prefer not to receive any further direct marketing communications from us or our business partners, you can opt-out at any time.

If you would like to withdraw your consent to the above, please contact us at the contact details stated below.

Disclosure of your personal data

We may disclose your personal data to:

  • other companies within our group;
  • our agents and service providers;
  • credit reference agents;
  • law enforcement agencies in connection with any investigation to help prevent unlawful activity; and
  • our business partners in accordance with the Marketing and Opting Out section above.
Keeping your data secure

We will use technical and organisational measures to safeguard your personal data, for example:

  • access to your account is controlled by a password and username that are unique to you
  • we store your personal data on secure servers
  • payment details are encrypted using secure sockets layer technology

While we will use all reasonable efforts to safeguard your personal data, you acknowledge that the use of the Internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data that are transferred from you or to you via the Internet.


We may monitor and record communications with you (such as telephone conversations and emails) for the purpose of quality assurance, training, fraud prevention and compliance.

Credit checking

For fraud prevention and money laundering purposes, we may search the files of credit reference and fraud prevention agencies (who will record the search). We may disclose information about how you conduct your account to such agencies and your information may be linked to records relating to other people living at the same address with whom you are financially linked. If you provide false or inaccurate information and we suspect fraud, we will record this and if the situation warrants it, we may have to make a police report.

Information about other individuals

If you give us information on behalf of someone else, you warrant that the other person has appointed you to act on his or her behalf and has agreed that you can: —

  • give consent on his or her behalf to the processing of his or her personal data;
  • receive on his or her behalf any data protection notices; and
  • give consent to the transfer of his or her personal data abroad.
Transfer of data out of Singapore

The information you provide may be transferred to countries outside of Singapore that do have similar protections in place regarding your data and restrictions on its use as set out in this Privacy Policy. Such data may be transmitted to data storage facilities where we keep our central records. Data may also be transferred to our offices and appointed agents in Singapore or other countries in connection with our performance of the contract with you. We will take steps to ensure adequate protections are in place to ensure the security of your information. By submitting your information, you consent to these transfers for the purposes specified above.

Your rights

We will, upon your written request to us (see contact details and requirements below), allow you to enquire about the ways in which your personal data has been or may have been used or disclosed within a year before the request, unless we are required or authorised to do so by law, to deny your request for access to your personal data.

You have the right, subject to the payment of a reasonable administrative fee as may be further notified by us, to request access to personal data that we may process about you. If you wish to exercise this right, you should:

  • put your request in writing
  • include proof of your identity and address (e.g. a copy of your NRIC or passport, and a recent utility or credit card bill)
  • attach a cheque in the amount as notified by us made payable to Cialfo Pte. Ltd. and
  • specify the personal data you want access to, including any account or reference numbers where applicable

You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right, you should:

  • put your request in writing
  • provide us with enough information to identify you (e.g. account number, username, registration details) and
  • specify the information that is incorrect and what it should be replaced with

You also have the right to ask us to stop processing your personal data for direct marketing purposes. If you wish to exercise this right, you should:

  • put your request in writing (an e–mail sent to [email protected] with a header that says 'Unsubscribe' is acceptable)
  • provide us with enough information to identify you (e.g. account number, username, registration details) and
  • if your objection is not to direct marketing in general, but to direct marketing by a particular channel (e.g. email or telephone), please specify the channel you are objecting to
Sale of business

If our business is sold or integrated with another business, your personal data may be disclosed to our advisers and any prospective purchasers and their advisers will be passed on to the new owners of the business.

Links to other websites

Our Applications contain links to other websites. This Privacy Policy only applies to the Applications, so when you access links to other websites you should read their own privacy policies.

Our contact details

We welcome your feedback and questions. If you wish to contact us, please send an email to [email protected] or you can write to us at 797 North Bridge Road #02-00 Singapore 198765.

We may change this privacy policy from time to time. You should check this policy occasionally to ensure you are aware of the most recent version that will apply each time you access the Applications.

Governing law

This Privacy Policy and your use of the Applications shall be governed in all respects by the laws of Singapore. You agree to submit any disputes arising out of or in connection with this Privacy Policy to the exclusive jurisdiction of the Singapore courts.