Privacy Policy
Last Updated: 24 May 2026
Home Loan Expert Singapore ("we", "our", "us") operates https://homeloanexpert.sg. We are committed to protecting your personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.
This Privacy Policy outlines how we collect, use, disclose, and process your personal data when you use our website, mortgage calculation tools, and consulting services.
1. Personal Data We Collect
Depending on your interaction with us, we may collect variables including:
- Identity & Contact Data: Name, email address, phone number, and communication preferences.
- Financial Profile Details: Income, existing property loan balances, outstanding debts, and CPF Ordinary Account (CPF-OA) balances provided during your use of our calculators (e.g., MSR or TDSR estimations).
- Technical & Usage Data: IP address, browser type, cookies, and tracking behavior via analytics.
2. Purpose of Collection and Use
In alignment with the PDPA, your data is processed purely to serve your financial request pathway:
- To process, calculate, and evaluate your mortgage borrowing options.
- To connect you with qualified mortgage specialists or banking partners at your explicit request.
- To maintain, audit, and optimize the user experience of our static web tools.
- To respond to your direct queries submitted through our contact forms.
3. Consent and Disclosure under PDPA
We do not sell, rent, or trade your personal information to third parties. By inputting your information or requesting a home loan quote, you grant explicit consent for us to share your data with:
- Licensed Banking & Financial Partners: Strictly limited to representatives handling your specific Singapore home loan application or refinancing request.
- Regulatory Bodies: Government authorities or legal entities when required unconditionally under Singapore law.
4. Data Security and Retention
We implement strict administrative, technical, and physical security measures to protect your local data from unauthorized access or disclosure. Because our calculations run dynamically, we only retain data as long as necessary to fulfill the service context or comply with statutory retention timelines.
5. Your Rights: Access, Correction, and Withdrawal
Under the PDPA, you hold full authority over your data. You may contact our Data Protection Officer at any time to:
- Request access to historical personal data records we hold about you.
- Request correction of any outdated or inaccurate data segments.
- Withdraw your consent for future marketing communications or data processing pathways.
6. Cookies and Tracking
Our website utilizes cookies to remember your device preferences and analyze website traffic. You can manually disable cookies inside your browser settings, though doing so might alter the user experience of some interactive home loan calculation systems.