Privacy Policy - CYS Credit Pte Ltd

You agree to the term and conditions set by this website operated by CYS Credit Pte Ltd (The Company). If you are under the age of 18 and do not agree to the terms and conditions, please exit from this website immediately.

By using our online application form, contacting our office, by fax or email for applying for a loan, you agree to let The Company store your information or documents and use it to conduct various due diligence checks with Credit Reference Companies, Fraud Prevention Authorities, moneylenders or other organisations which you have previously applied for a loan or have dealt with. The purpose of these checks is for purposes of granting you a loan.

Contact number and email provided by you will be used as the primary means of communications between yourself and our company for the loan package you have applied for. We will not sell, share or use your personal particulars for any marketing purpose except for the purpose of granting you a loan. Any information that you provide us with will be kept strictly confidential. Telephone conversations may be recorded and/or monitored for quality and study purposes.

Credit Reference Company (CRC) and Fraud Prevention Authorities (FPA)

Once we have done a check with the Credit Reference Company, it will set a search footprint on your credit file that may be seen by other moneylenders, financial institutions or banks. The Credit Reference Company may supply to the public and share the credit and fraud prevention information.

CRC and FPA are third party companies and we do not have right or control over your loan and personal information and how they will use your information and loan detail for other purpose. If you have bad debt with us, bad debt Information will be sent to CRAs for record and might be shared by other CRC and/or FRA and may be supplied to other organisations to perform checks and to trace your whereabouts and recover debts that you owe. Records of accounts remain on file after they are closed, whether settled by you or defaulted.

We reserve the right to amend, add and delete the terms and conditions without prior notice and to share with Credit Reference Companies, Fraud Prevention Authorities and other organisations for your Credit Reference.

Apply For a loan

You agree to undertake all information given by you is true and complete. You confirm that you authorise us to obtain the following information:

a) Your background
b) Your background with Credit Reference Authorities.

You agree to inform us in the event any information become inaccurate or/and misleading or changed in anyway whether before or after this loan application is approved or whilst the loan amount is outstanding. You shall promptly notify The Company of any such changes, you undertake that you are not an undischarged bankrupt and there has been no statutory demand served on you nor legal proceedings commenced against me.

If false or inaccurate information is provided and fraud is identified, we will pass the details to the relevant Fraud Prevention Authority. Law enforcement authorities may then access and use this information for their investigation.

Your Right to Personal Information

Having given information to us, you have the right to know what we are holding about you and to whom it has been disclosed. Please write to confirm that you are making a request for your personal information and all details. We do not charge you a fee for this. Please inform us of any error or inaccuracy if information sent to you is incorrect.

You can also request by email or writing to opt out storing of your data or delete your data after you had applied via online anytime by email us.

CYS Credit Pte Ltd aims to comply with requests for access to personal information as quickly as possible, within 7 days and will reply to you via email.

Our Email: personalloansg@gmail.com

Loan Packages

Loan packages found in this website are designed and named by CYS Credit Pte Ltd to give flexibility in repayment, competitive interest rate and easy categorize for different customer needs.

Debt Recovery

We encourage Customers to inform us of their difficulty in paying before their due dates the loan amount. Defaulted or outstanding loans will be assigned to third party companies approved by the Registry of Moneylender which could be a debt collector company to collect on behalf of CYS Credit Pte Ltd. We are not responsible and indemnify our company against all claims, suits, demands, damages, liabilities, costs or expenses arising in any way out of or in any way connected to our debt collector company action. If you are not comfortable with the arrangement, we encourage you not to take up a loan with us.

Copyright

The Intellectual Property Rights in this website and the materials on or accessible via it belong to CYS Credit Pte Ltd. This website and the materials on or accessible via it and the Intellectual Property Rights therein may not be copied, distributed, published, licensed, used or reproduced in any way unless is for the purposes of, accessing and using this website).

This website and the Logo are trademarks which belong to CYS Credit Pte Ltd and they may not be used, copied or reproduced in any way without written consent from CYS Credit Pte Ltd.

Interest rate and loan amount
Interest rate and loan amount are based on individual income and guideline set by registry of moneylender. Our company reserved the right to approved equal or lesser loan amount. Please refer to www.ipto.gov.sg for the guideline of the interest rate charges and loan amount eligibility.

Credit Reference Company refer to: Credit Bureau Singapore, Dun & Bradstreet (Singapore) Pte Ltd. Fraud Prevention Authorities refer to: The Police Force, CPIB or Government Authorities of Singapore. Other organisations refer to: Third parties such as www.sml999.com, www.moneylenders.com.sg