Generally, M-DAQ collects, uses and/or discloses personal data, and you consent to such collection, use and/or disclosure by M-DAQ, for the following purposes:
a) to process your application, including but not limited to verifying your identity and evaluating your financial and legal track record, for our goods or services;
b) to provide products and services to you, including administering and / or managing your relationship or account with us;
c) processing and / or dealing with any of your request and any necessary investigations relating to your request;
d) carrying out due diligence or other screening activities in accordance with legal or regulatory obligations or risk management procedures that may be required by law or by us;
e) carrying out your instructions or responding to any of your enquiries;
f) requesting feedback or participation in surveys, as well as conducting market research and/or analysis for statistical, profiling or other purposes for us to improve and design our products, understand customer preferences and market trends, and to review, develop and improve the quality of our products and services;
g) to communicate with you on matters relevant to your relationship with or interest in us;
h) pre-emptively detecting and/or investigating fraudulent conduct, misconduct, unlawful action or omission, and any suspicion of the aforementioned, and analyse and manage other commercial risks;
i) to fulfil the contractual/legal obligations under the contracts or other legal arrangements entered into between us and you;
j) to protect and enforce our contractual and legal rights and obligations;
k) to conduct audits, reviews and analysis of our internal processes, for action planning and managing commercial risks;
l) to manage the safety and security of our premises and services (including but not limited to carrying out closed-circuit television surveillance and conducting security clearances);
m) to comply with any applicable rules, laws and regulations (including any laws and regulations relating to anti-money laundering, countering the financing of terrorism / proliferation financing, and tax reporting obligations), codes of practice or guidelines or to assist in law enforcement and investigations by relevant law enforcement agencies, regulatory authorities and other governmental agencies, anywhere in the world;
n) to provide such personal data to issuers on our platform and/or their financial intermediaries (where applicable) to allow them to comply with any applicable rules, laws and regulations (including any laws and regulations relating to anti-money laundering, countering the financing of terrorism / proliferation financing, and tax reporting obligations), codes of practice or guidelines or to assist in law enforcement and investigations by relevant law enforcement agencies, regulatory authorities and other governmental agencies (including tax authorities);
o) to provide such personal data to financial institutions and other agents or service providers, in connection with refunds or erroneous transactions; and
p) any other purpose relating to any of the above.
We may also use and process your Personal Data for other marketing and promotional related purposes such as via post, email, telephone call, SMS, mobile app notification, website, and/or online messaging service (“Additional Purposes”):
a) to assess and improve the products and services that you use or may use;
b) to selectively send you information about our products, services, activities and/or events that may be relevant to you;
c) providing or marketing services, products and benefits to you, including promotions, loyalty and reward programmes;
d) to conduct research, surveys and data analysis relating to or with a view to enhancing any service or product provided by us (whether conducted by M-DAQ or jointly with another party) which may be relevant to you (“Research Purpose”); and
e) matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the provision or offering of products and services, whether by M-DAQ or other third parties.
We may share personal data with our regulators, related corporations, services providers, agents and other third parties for the purposes set out above and any other reasonable ancillary purposes, for legal reasons and regulatory purposes, or where permitted under the PDPA and other applicable laws, such as in response to law enforcement agencies.
If we transfer personal data to countries outside Singapore, it will be done in accordance with the relevant provisions under Singapore laws and regulations. We will also comply with the relevant laws and regulations in relation to transfers of personal data outside countries where the personal data is collected.