Privacy

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally identifiable information' (PII) is being used online. PII, as used in Singapore privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your email address or other details to help you with your experience.

When do we collect information?

We collect information from you when you register on our site or enter information on our site.

We receive information about consumers from third parties to enable targeted advertising on the website(s) and application(s) that we support. The collection and use of that data is governed by the privacy policy and legal terms of the data collector and the website using the data; it is not governed by RateX Pte Ltd.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

1) To personalize user's experience and to allow us to deliver the type of content and product offerings in which you are most interested.
2) To improve our website in order to better serve you.
3) To allow us to better service you in responding to your customer service requests.
4) To send periodic emails regarding your order or other products and services.

How do we protect visitor information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. For your convenience we may store your credit card information longer than 30 days in order to expedite future orders, and to automate the billing process.

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third Party Links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en 

We use Google AdSense Advertising on our website. Google, as a third party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

We have implemented the following:
Demographics and Interests ReportingWe along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website. 

Opting Out
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:
Help remember and process the items in the shopping cart.Understand and save user's preferences for future visits.Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future.We may also use trusted third party services that track this information on our behalf. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.

Disabling Cookies 
If you disable cookies off, some features will be disabled It will turn off some of the features that make your site experience more efficient and some of our services will not function properly.

Contact Us

If there are any questions regarding this privacy policy you may contact us using the information below
Address: 71 Ayer Rajah Crescent #03-18, Singapore S(139951)

RATE WEBSITECONTACT US

ABOUT THIS PRIVACY POLICY

This is the Privacy Policy for Rate Network Pte. Ltd., and its related organisations (“Rate”). Where this Privacy Policy is in common use by separate organisations within Rate, each organisation is responsible to you only to the extent of their own collection, use and disclosure of your personal data, and their own actions. In this Privacy Policy, “we”, “us” or “our” refers to Rate. Please read our Privacy Policy carefully to get a clear understanding of how we collect, use, disclose and process your personal data.

GENERAL
We treat all personal data provided by you in strict confidence, and will only use your personal data in the manner set out in this Privacy Policy. This Privacy Policy sets out the manner in which we collect, use, disclose and process your personal data when you:access or use our website and mobile applications (“Applications”) and services; and/orprovide us with your personal data, regardless of the medium through which such personal data is provided.By providing us with your personal data, you consent to our collection, use, disclosure (including transfer) and processing of your personal data in accordance with this Privacy Policy. Please DO NOT provide any personal data to us if you do not accept this Privacy Policy. 

AMENDMENTS TO THIS PRIVACY POLICY
We may amend this Privacy Policy from time to time without notice to you. The updated Privacy Policy will supersede earlier versions and will apply to personal data provided to us previously. The updated Privacy Policy will be made available upon request from us and on our Applications. If you do not accept any amendment to the Privacy Policy, please contact our Data Protection Officer (see paragraph 31 below)

HOW DO WE COLLECT INFORMATION?
1. What is personal data.  “Personal data” is data that can be used to identify a natural person.
2. We collect personal data that is relevant to our business relationship with you. We may collect your personal data directly or indirectly through various channels, such as when:
2.1. you provide us with your personal data for whatever reasons;
2.2. you register for a user account on our Applications;
2.3. you use our Applications and services;
2.4. you contact us or interact with our employees through various communication channels, for example, through social media platforms, face-to-face meetings, telephone calls, emails, fax and letters;
2.5. you transact with us, contact us or request that we contact you; 
2.6. you request to be included in an email or our mailing list;
2.7. your images are captured via CCTV cameras while you are within our premises;
2.8. your images are captured via photographs or videos taken by us or our representatives when you attend events organised by us; and/or
2.9. you submit an employment application or when you provide documents or information including your resume in connection with any employment application.
3. Our Applications contains certain technologies which collects data in the manner described in this Privacy Policy or the applicable terms and conditions.
4. Voluntary provision of personal data.  Your provision of personal data to us is voluntary and you may withdraw your consent for us to use your personal data at any time. However, if you choose not to provide us with the personal data we require, it may not be possible for us to contact you, or provide products or services which you need from us.
5. Providing personal data belonging to others.  In certain circumstances, you may also provide us with personal data of persons other than yourself. If you do so, you warrant that you have informed him/her of the purposes for which we are collecting his/her personal data and that he/she has consented to your disclosure of his/her personal data to us for those purposes. You agree to indemnify and hold us harmless from and against any and all claims by such individuals relating to our collection, use and disclosure of such personal data in accordance with the terms of this Privacy Policy.
6. Accuracy and completeness of personal data.  You are responsible for ensuring that all personal data that you provide to us is true, accurate and complete. You are responsible for informing us of any changes to your personal data.
7. Receiving personal data from third parties. 
7.1. In certain circumstances, we may be required to obtain personal data about you from third parties, for example, when we have to conduct due diligence or know-your-client checks.
7.2. We receive information about consumers from third parties to enable targeted advertising on the Applications that we support. The collection and use of that data is governed by the privacy policy and legal terms of the data collector and the website using the data; it is not governed by Rate.

HOW DO WE USE YOUR INFORMATION?
8. Generally, we collect, use or disclose your personal data for the following purposes:
8.1. provide you with products and/or services that you request for;
8.2. managing your relationship with us;
8.3. facilitating your use of our Applications;
8.4. to resolve any disputes, investigating any complaint, claim or dispute or any actual or suspected illegal or unlawful conduct; 
8.5. assisting you with your enquiries, and to respond to your feedback, complaints and requests; 
8.6. to notify you of our products, services, programmes and events;
8.7. to process your job application and assess your suitability for the position applied for; 
8.8. for conducting appraisals;
8.9. to manage the safety and security of our premises and event premises (including but not limited to carrying out CCTV surveillance and conducting security clearances); and/or
8.10. any other reasonable purposes related to the aforesaid. 
9. Business purposes.   We may also use your personal data for purposes connected or relevant to our business, such as:
9.1. complying with our legal obligations and requirements;
9.2. complying with international sanctions and applicable regulation for securities and to counter money-laundering or financing of terrorism;
9.3. enforcing obligations owed to us, and contractual terms and conditions;
9.4. carrying out research, data analysis, testing, research, statistical and survey purposes; 
9.5. staff training; and/or
9.6. any other reasonable purposes related to the aforesaid.
10. Additional purposes. If you have consented, we may use your personal data, from time to time, for additional purposes such as to inform you of the latest activities, special offers and promotions offered by our strategic business partners and associates. 

HOW DO WE PROTECT YOUR PERSONAL DATA
11. We will take reasonable precautions to safeguard your personal data. 
12. While reasonable precautions will be taken to ensure that the information you provide is protected against unauthorised or unintended access, we cannot be held responsible for unauthorised or unintended access that is beyond our control, such as hacking or cybercrimes.
13. Your personal data is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. 

HOW LONG DO WE RETAIN YOUR PERSONAL DATA FOR
14. We will keep your personal data for so long as we need the personal data for our business and legal purposes. For your convenience we may store your credit card information longer than 30 days in order to expedite future orders, and to automate the billing process.

THIRD PARTY DISCLOSURE
15. We do not sell, trade, or otherwise transfer your personal data to third parties without your consent. 
16. Consent for disclosure to others.  If you have consented to our disclosure of your personal data to our related entities, strategic business partners and associates, we may disclose your personal data to them. They will use your personal data only for the purposes you have consented to. 
17. Disclosure to service providers. You agree that we may disclose or share your personal data with third parties such as: 
17.1. Service providers and data processors working on our behalf and providing services to us such as accounting, data processing or management services, website hosting, maintenance and operation services, e-mail message services, analysis services,  handling of payment transactions, marketing etc; and 
17.2. Our consultants and professional advisors (such as accountants, lawyers, auditors).
18. We may also disclose your personal data as required or permitted by law, including to regulatory authorities, statutory bodies, public agencies or law enforcement, or to enforce our site policies or protect our or others’ rights, property or safety. 

TRANSFER OF PERSONAL DATA TO ANOTHER COUNTRY
19. You fully understand and unambiguously consent that we may transfer your personal data to any country for the purposes set out above.
20. Protection of your personal data.  If we transfer your personal data to another country or territory, we will ensure that the recipient of the personal data provides a standard of protection that is imposed under applicable laws. Where these countries or territories do not have personal data protection laws which are comparable to the applicable laws, we will enter into legally enforceable agreements with the recipients to ensure that they protect your personal data.

THIRD PARTY LINKS
21. Third Party Links.  Occasionally, at our discretion, we may include or offer third party products or services on our Applications. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
22. Google.  Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en  
23. We use Google AdSense Advertising on our Applications. Google, as a third party vendor, uses cookies to serve advertisements on our Applications. Google's use of the DART cookie enables it to serve advertisements to our users based on their visit to our Applicantions and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy. Presently, we have implemented the Demographics and Interests Reporting function and may implement other functions from time to time. We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website. You can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on.
24. Do we use Cookies? Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.We use cookies for purposes including but not limited to: 
24.1. helping us remember and process the items in the shopping cart;
24.2. understanding and saving the user’s preferences for future visits; and
24.3. compiling aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future.We may also use trusted third party services that track this information on our behalf. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.If you disable cookies it will turn off some of the features that make your site experience more efficient and some of our services will not function properly.

YOUR RIGHTS
25. Contact Data Protection Officer.  If you wish to withdraw any consent you have given us at any time, or if you wish to correct or have access to your personal data held by us, or if you do not accept any amendment to this Privacy Policy, please contact our Data Protection Officer:
Name : [insert name]
Telephone : [insert number]
Email : [insert email address] 
26. Fee for access.  We may charge you a fee for responding to your request for access to your personal data held by us, or for information about the ways in which we have (or may have) used your personal data in the one-year period preceding your request. If a fee is to be charged, we will inform you of the amount beforehand and respond to your request after payment is received. We will endeavour to respond to your request within thirty (30) days, and if that is not possible, we will inform you of the time by which we will respond to you.
27. Effect of withdrawal of consent.  In many circumstances, we need to use your personal data in order for us to provide you with products or services which you require. If you do not provide us with the required personal data, or if you withdraw your consent to our use and/or disclosure of your personal data for these purposes, it may not be possible for us to continue to serve you or provide you with the products and services that you require.

Last Edited on 24 April 2018

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