Your information, handled with care.

1. Who this policy applies to

This policy applies when you visit our website, submit a form, contact us, ask for mortgage guidance, read our articles, use our calculators, or interact with us through email, phone, WhatsApp or other channels.

2. Who we are

In this policy, “The Mortgage People”, “we”, “our” or “us” refers to the team operating this website and providing mortgage-related guidance and referral support in Singapore.

3. Information we may collect

We may collect information that you provide directly to us. This may include your name, mobile number, WhatsApp number, email address, property type, loan amount, current bank, current package, refinancing timeline, property purchase timeline, preferred contact method, and any notes you choose to share with us.

We may also collect basic website information, such as the pages you viewed, the buttons you clicked, the article or calculator you used, approximate device information, browser type, and general analytics data.

4. Sensitive information

Please do not send sensitive documents, NRIC details, income documents, CPF statements, bank statements or similar documents unless we ask for them for a specific purpose and you are comfortable sharing them. If we need documents for an application or comparison, we will explain why they are needed.

5. How we collect information

We may collect information through website forms, calculators, emails, calls, WhatsApp messages, referrals, partner introductions, events, and any documents or details that you voluntarily provide.

6. Why we use your information

We use your information to respond to your enquiry, understand your mortgage needs, help compare suitable options, arrange follow-ups, prepare for conversations, improve our website, manage leads, keep internal records, and support future reminders such as refinancing or repricing check-ins.

7. Mortgage enquiries and referrals

If you ask us to help with a mortgage comparison or application, we may use your information to understand your profile and discuss possible options with relevant parties. We will only share details that are reasonably needed for the purpose of your enquiry or application.

8. Who we may share information with

Where needed, we may share relevant information with banks, financial institutions, service providers, technology vendors, CRM providers, website hosting providers, professional advisers, or other parties involved in helping us respond to your enquiry. We do not sell your personal data.

9. CRM and internal tracking

We may store your enquiry details in a CRM or internal tracking system. This helps us keep track of your request, assign follow-up, record your preferences, and avoid asking you the same questions again.

10. Marketing and follow-up

We may contact you about your enquiry, useful mortgage reminders, refinancing windows, articles, or services that may be relevant to you. You can tell us if you do not want to receive non-essential messages.

11. Cookies and analytics

Our website may use cookies, analytics tools or similar technologies to understand how visitors use the site. This helps us improve the website and see which pages are useful. You can usually manage cookies through your browser settings.

12. Third-party websites

Our website may contain links to third-party sites, such as banks, partners, social platforms, or public information sources. We are not responsible for how those websites collect or use your information. Please read their privacy policies separately.

13. How long we keep information

We keep personal information only for as long as it is reasonably needed for the purpose it was collected, for business records, legal requirements, dispute handling, audit purposes, or future service follow-up such as repricing or refinancing reminders.

14. Keeping information secure

We take reasonable steps to protect the information we hold. This may include limiting access, using trusted service providers, and keeping internal records organised. No method of transmission or storage is completely risk-free, so please avoid sending highly sensitive information unless necessary.

15. Accuracy of information

We rely on the information you give us. Please make sure your details are accurate and updated, especially your contact details, loan amount, bank package, property details and timelines.

16. Your rights and choices

You may contact us to ask about the personal information we hold, update your details, withdraw consent where applicable, or request that we stop contacting you for non-essential purposes. Some requests may be subject to legal, operational or record-keeping requirements.

17. Children and minors

Our services are intended for adults. We do not knowingly collect personal information from children through this website.

18. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will be posted on this page with the updated date.

19. Contact us

If you have questions about this Privacy Policy or how your information is handled, contact us at hello@themortgagepeople.co.

This is a working website draft and should be reviewed by a qualified legal adviser before public launch.