1. Introduction

Welcome to One Terra Consultancy ("we", "us", "our"). We respect your privacy and are committed to protecting the personal data you provide to us. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information in accordance with Singapore's Personal Data Protection Act 2012 ("PDPA"). By accessing our website, submitting an enquiry, or engaging our services, you acknowledge that you have read this Privacy Policy.

2. Personal Data We Collect

Depending on your interaction with us, we may collect the following information: Full name Contact number and WhatsApp number Email address Company name and business information Employment and income information Financial information relevant to financing applications Property ownership and mortgage information Identification details, where necessary Other information voluntarily provided through our website, enquiry forms, or communications We only collect personal data that is reasonably necessary for our business operations and services.

3. Purposes of Collecting Personal Data

We may collect, use, and process your personal information for the following purposes: Responding to enquiries and requests for information Assessing potential eligibility for financing solutions Providing business loan, mortgage, property equity financing, and related consultancy services Facilitating financing applications with relevant banks, financial institutions, and financing providers Contacting you regarding your enquiries, applications, or requested services Providing information about our products, services, and promotional offers where permitted by law Improving our website, customer experience, and service quality Complying with applicable legal and regulatory requirements We will obtain consent where required by applicable law and will not use your personal information for unrelated purposes without an appropriate legal basis.

4. Disclosure of Personal Data

To provide our services effectively, we may disclose relevant personal data to: Banks and financial institutions Licensed or otherwise legally authorised financing providers, where applicable Business partners involved in processing financing enquiries or applications Service providers supporting our business operations, including IT, customer relationship management, and administrative services Government authorities or regulatory bodies where required by law Personal data will only be shared where reasonably necessary for the relevant purpose and in accordance with applicable data protection requirements. We do not sell your personal information to third parties.

5. Marketing Communications

Where permitted under applicable laws, we may contact you through telephone calls, SMS, WhatsApp, email, or other communication channels regarding our services, financing solutions, or promotional activities. You may withdraw your consent to receive marketing communications at any time by contacting us or following the opt-out instructions provided. We will comply with applicable PDPA and Do Not Call (DNC) requirements for marketing communications.

6. Protection and Security of Personal Data

We take reasonable administrative, technical, and organisational measures to protect personal information against unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks. Access to personal data is restricted to authorised personnel and relevant service providers where necessary. While we take reasonable precautions to safeguard personal information, no method of electronic transmission or storage can be guaranteed to be completely secure.

7. Retention of Personal Data

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected or to comply with applicable legal, regulatory, and business requirements. When personal data is no longer required for legal or business purposes, we will cease retaining it or remove the means by which it can be associated with particular individuals.

8. Access, Correction and Withdrawal of Consent

You may request to: Access personal data held about you Correct inaccurate or incomplete personal information Withdraw consent for the collection, use, or disclosure of your personal data, subject to applicable legal restrictions Requests may be submitted through our official contact channels. Please note that withdrawing consent may affect our ability to provide certain services or process financing applications.

9. Cookies and Website Analytics

Our website may use cookies and similar technologies to improve website functionality, understand visitor interactions, and measure advertising performance. These technologies may include analytics and advertising tools provided by third-party platforms, such as Meta and Google, where implemented. You may manage cookies through your browser settings or available website privacy controls.

10. Third-Party Websites and Platforms

Our website may contain links to third-party websites, including banks, financial institutions, and social media platforms. We are not responsible for the privacy practices or content of external websites. We encourage users to review the respective privacy policies of those platforms.

11. Overseas Transfer of Personal Data

Where personal data is transferred outside Singapore, we will take appropriate steps to ensure that the transferred data receives a standard of protection comparable to that required under the PDPA, in accordance with applicable requirements.

12. Updates to This Privacy Policy

We reserve the right to amend this Privacy Policy from time to time to reflect changes in our business operations, services, or applicable legal requirements. Any updates will be published on our website with the revised effective date. We encourage visitors to review this Privacy Policy periodically.