Privacy Policy

Last updated: 4 July 2026

Advance Cash Credit Pte. Ltd. (“Advance Cash”, “we”, “us”) is a licensed moneylender registered with the Registry of Moneylenders, Ministry of Law, Singapore (Licence No. 79/2026), with its office at 304 Orchard Road, #04-13 Lucky Plaza, Singapore 238863. This Privacy Policy explains how we handle personal data in connection with this website and our moneylending business, in accordance with the PDPA.

1. Personal data we collect

Through the forms on this website, we collect the details you choose to give us: your name, mobile number, email address, year of birth, residency status, nationality, employment and income details, the loan you are interested in, any existing repayment commitments you disclose, and your declaration of whether you are a Politically Exposed Person (PEP) or connected to one.

Please do not enter your NRIC/FIN number or upload identity documents on this website. Identity documents (such as NRIC, passport, work pass, payslips and statements) are collected only in person at our office when you attend your appointment, as required for a loan to be granted under the Moneylenders Act 2008.

We may also collect personal data when you call us, visit our office, or otherwise correspond with us.

2. How we use your personal data

We collect, use and disclose your personal data for the following purposes:

• responding to your enquiry and contacting you about your application;
• assessing your eligibility, creditworthiness and loan quantum, including checks with the Moneylenders Credit Bureau (MLCB);
• verifying your identity and conducting checks required by law, including anti-money-laundering, countering-the-financing-of-terrorism and PEP screening obligations;
• preparing, granting and administering any loan, including repayment records and statements of account;
• complying with the Moneylenders Act 2008, the Moneylenders Rules, directions of the Registrar of Moneylenders, and any other applicable law or lawful request by a public authority; and
• maintaining our business records.

We do not use your personal data for third-party marketing, and we do not sell personal data.

3. Who we disclose personal data to

Your personal data may be disclosed, only to the extent necessary for the purposes above, to:

• the Moneylenders Credit Bureau (MLCB), to which licensed moneylenders are required to submit borrower and loan information;
• the Registry of Moneylenders and other public authorities, where required or permitted by law;
• our professional advisers (for example auditors or lawyers), under obligations of confidentiality; and
• service providers who process data on our behalf — in particular, submissions made through this website’s forms are transmitted by our form-delivery provider (Web3Forms) to our designated email inbox. Such providers may process data on servers located outside Singapore; where personal data is transferred outside Singapore, we take reasonable steps to ensure it receives a standard of protection comparable to that under the PDPA.

4. Consent and withdrawal of consent

By submitting a form on this website, you consent to the collection, use and disclosure of the personal data you provide for the purposes set out in this Policy. You may withdraw your consent at any time by contacting us (see section 8). Withdrawing consent may mean we are unable to process or continue processing your enquiry or application. Note that certain collection, use and disclosure — for example MLCB reporting on a granted loan — is required by law and does not depend on consent.

By providing your telephone number in a form on this website, you agree to receive calls and text messages from us about your enquiry or application, notwithstanding any registration of that number with the Do Not Call Registry.

5. Retention

We retain personal data for as long as it is needed for the purposes above or as required by law, including the record-keeping requirements applicable to licensed moneylenders. When personal data is no longer required, we securely dispose of or anonymise it.

6. Protection of your data

We make reasonable security arrangements to protect personal data in our possession against unauthorised access, collection, use, disclosure, copying, modification or disposal. Loan files are handled only by authorised staff and treated as strictly confidential. If a data breach notifiable under the PDPA occurs, we will assess it and notify the Personal Data Protection Commission (PDPC) and affected individuals as the PDPA requires.

7. Access and correction

You may request access to, or correction of, the personal data we hold about you. We may charge a reasonable fee for access requests as permitted by the PDPA. To make a request, contact us using the details in section 8; we will respond within 30 days, or if that is not possible, tell you in writing when we will be able to respond.

8. Contact us

Questions, requests or complaints about personal data (including requests addressed to our Data Protection Officer) may be made:

• by phone: 6737 5737;
• through the enquiry form on our Contact page; or
• in writing or in person: Data Protection Officer, Advance Cash Credit Pte. Ltd., 304 Orchard Road, #04-13 Lucky Plaza, Singapore 238863.

If you are not satisfied with how we have handled your personal data, you may also lodge a complaint with the Personal Data Protection Commission (PDPC).

9. Third-party services on this website

This website does not use advertising or analytics cookies. It loads fonts from Google Fonts and links to Google Maps; when your browser requests those resources, Google receives standard technical request data (such as your IP address) under Google’s own privacy policy. Form submissions are delivered via Web3Forms as described in section 3, and our website hosting provider processes standard technical logs (such as IP addresses) in order to serve the website.

10. Changes to this Policy

We may update this Policy from time to time. The version published on this page, with its “last updated” date, is the version in force. Material changes will be reflected here before they take effect.