Novanet Solutions Pte Ltd (“we”, “us”, “our”) built the EC Home Loan service (the “Service”). This Privacy Policy explains how we collect, use, disclose, and protect your personal data. By using the Service, you agree to this Privacy Policy. If you disagree, please do not use the Service.
If you are located in Singapore, we process personal data in accordance with the Personal Data Protection Act (PDPA) where applicable.
1. Definitions & Interpretation
Personal Data means data about an individual who can be identified from that data (e.g., name, email, mobile number, IP address, device identifiers).
Non-Personal / Anonymous Data means data that cannot identify a specific individual (e.g., aggregated analytics).
2. Information We Collect
2.1 Information You Provide
- Name, email address, contact number
- Documents or details you submit via forms or support
- Any other information you voluntarily provide
2.2 Information Collected Automatically
- Log data: IP address, device/OS type, app version, timestamps, crash data, usage statistics
- Cookies & similar tech: cookies, local storage, pixels for analytics, preferences, performance
- Device identifiers: unique device IDs, advertising identifiers (subject to platform policies)
3. How We Use Information
- Provide, maintain, and improve the Service and user experience
- Personalize content, recommendations, and features
- Analyze usage, measure performance, and develop new features
- Respond to enquiries, feedback, and support requests
- Send updates, service notices, and marketing (with consent where required)
- Detect and prevent fraud, abuse, or security incidents
- Comply with legal obligations and enforce our terms
5. Data Retention & Deletion
- We retain Personal Data only as long as needed for the purposes above or as required by law.
- When no longer necessary, we securely delete or anonymize data.
- You may request deletion; we will act per applicable law and legitimate interests.
6. Security & Confidentiality
We implement reasonable technical and organizational measures to protect data. However, no method of transmission or storage is fully secure, and we cannot guarantee absolute security.
8. Third-Party Services & Links
The Service may integrate third-party SDKs/services (e.g., analytics, crash reporting, payments) which have their own privacy policies and may collect data independently. Links to external sites are governed by those sites’ policies.
- Google Play Services
- Apple App Store
9. Children’s Privacy
The Service is not intended for children under 13. We do not knowingly collect data from children under 13. If you believe such data was provided, please contact us for deletion.
10. Your Rights & Options
Subject to applicable law (including Singapore PDPA), you may request to:
- Access or obtain a copy of your Personal Data
- Correct inaccurate or incomplete data
- Delete your data (“right to erasure”)
- Restrict or object to certain processing
- Withdraw consent where processing is based on consent
- Data portability, where applicable
To exercise rights, contact us using the details below. We may verify your identity and respond within a reasonable time.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically. We will post updates on this page and revise the “Last updated” date. Your continued use of the Service after changes means you accept the updated Policy.
12. Contact Us
Email: support@ec.sg
Contact: +65 6911 6100