- What information we collect and why we collect it.
- How we use that information.
- The notice to you and choices we offer, including how to access and update information.
Information we collect
We collect information to provide better services to our users and improve our business.
We collect information in two ways:
- Information you give us or information provided through a social network. For example, some of our services require you to sign up for an account, provide information for a contest or award, or link an account through a social network. Examples of the information we collect may include email, name or phone number.We work with social networks including, but not limited to Facebook, Twitter, Google Plus, and LinkedIn. We have access to information you directly provide and information through those social networking services based on your privacy settings on those networks.
- Information we get from your use of our services. We may collect usage information when you visit different parts of our site or use our applications. We may also automatically collect certain technical information such as device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile information if you use a mobile device to access the site).
How we use information we collect
We use the information we collect from all of our services and from third parties to provide, maintain, protect and improve our services, to develop new services and offerings and to protect us and our users. We may also use this aggregated and demographic information to offer you tailored content like giving you more relevant search results and ads.
Please keep in mind that comments sections, forums, and other similar areas of our services are public. Any information posted in those areas is viewable and usable by anyone that has access.
Technologies such as: cookies, beacons, tags and scripts are used by Happyloan and our advertising / marketing partners, affiliates, or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We and our service providers may use advertising cookies to deliver ads that we believe are more relevant to you and your interests. For example, we may use targeting or advertising cookies to customize the advertising and content you receive on our Site, to limit the number of times you see the same ad on our Site and to help measure the effectiveness of our advertising campaigns. These cookies remember what you have looked at on the Site and other sites, and may be combined with other information acquired from third parties, and we may share this information with other organizations, such as advertisers.
Please visit the links below to opt-out of cookies from over 50+ major third party behavioral advertising providers:
– Network Advertising Initiative: http://www.networkadvertising.org/choices/
– European Interactive Digital Advertising Alliance: http://www.youronlinechoices.eu/
– Digital Advertising Alliance: http://www.aboutads.info/choices/
Local Storage – HTML5/Flash Cookies
We may use Local Storage Objects (LSOs) such as HTML5 or Flash to store user preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity may also use LSOs such as HTML 5 or Flash to collect and store information.
To manage Flash LSOs please click here:http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html
When you use our services or view content provided by us, we may automatically collect and store certain information in server logs. This information may include:
- Details of how you used our service, such as your navigation paths and search queries.
- Mobile related information if you access our website using your mobile device.
- Internet protocol address.
- Device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL.
- Cookies that may uniquely identify your browser, mobile device, or your account.
- Browser type, operating system, and other technical information.
We may combine this automatically collected log information with other information we collect about you. We do this to improve marketing, analytics, and the products and services we offer you.
We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from.
We send you push notifications from time-to-time in order to update you about any content, events or promotions that may interest you. If you no longer wish to receive these types of communications, you may turn them off at the app or OS level. To ensure you receive proper notifications, we will need to collect certain information about your device such as operating system and user/device identification information.
We collect your location based information for the purpose of locating a place that you may be searching for in your area.
If you no longer wish to allow us to track your geo-location information in the Mobile App you may turn this off at the device level.
Information we share
We do not share personal information with companies, outside organizations and individuals unless one of the following circumstances apply:
These companies are authorized to use your personal information only as necessary to provide these services to us.
- For legal reasons. We will share personal information with companies, outside organizations or individuals if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to meet any applicable law, regulation, legal process or enforceable governmental request, detect, prevent, or otherwise address fraud, security or technical issues or protect against harm to the rights, property or safety of our users or the public as required or permitted by law.
- In case of a sale or asset transfer. If we become involved in a merger, acquisition or other transaction involving the sale of some or all of our assets, user information, including personal information collected from you through your use of our services, could be included in the transferred assets. Should such an event occur, we will use reasonable means to notify you, either through email and/or a prominent notice on our website.
- In anonymous form for business purposes. We may share anonymous, non-personally identifiable information publicly and with our partners such as businesses which we have a relationship with, advertisers or connected sites. For example, we may share information to show trends about the general use of our services.
Please note that third party recipients of your personal information may be located in Singapore.
Some of our pages utilize framing techniques to serve content to from our partners while preserving the look and feel of our site. Please be aware that you may be providing your personal information to these third parties and not to www.happyloan.sg
Comments Section / Forum
Our website offers publicly accessible comments section or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our comments section or community forum, contact us at firstname.lastname@example.org
In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Links to 3rd Party Sites
Social Media Widgets
Our website includes social media features, such as the Facebook Like button and Widgets, such as the Share this button. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. social media features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features are governed by the privacy policies of the companies providing them.
You can log in to our site using such sign-in services such as but not limited to: Facebook , Google, Linkedin, and Twitter. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate your profile.
Services like Facebook Connect give you the option to post information about what you are reading on this Web site to your profile page to share with others within your network.
We work hard to protect our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold however no website is entirely secure. You should protect the account information in your possession as well.
Children Under 13
Our website is not directed toward children under 13 and we will not knowingly collect information for any child under the age of 13. If you are the parent of a child under the age of 13 and have a concern regarding your child’s information on our website, please contact us at email@example.com.
Our Services are Located in Singapore
Our website and associated services are hosted in Singapore. If you are outside of Singapore, your information will be processed and stored in Singapore and by using our website or providing us with personal information, you consent to such processing and storage.
Enforcement and Dispute Resolution