Privacy Notice

This Data Protection Notice (“Notice”) sets out the basis which Toyota Financial Services Singapore Pte. Ltd., SGCM Pte Ltd, Quotz Pte Ltd, Quotz (Taiwan) Pte Ltd and Kinto Singapore Pte Ltd (collectively as “TFSSG Group”) (“we”, “us”, or “our”) may collect, use, disclose, or otherwise process personal data of our customers in accordance with the Personal Data Protection Act (“PDPA”). This Notice applies to personal data in our possession or under our control, including personal data in the possession of organisations which we have engaged to collect, use, disclose, or process personal data for our purposes.

1. PERSONAL DATA

   1. As used in this Notice:
      
      “customer” means an individual who (a) has contacted us through any means to find out more about any goods or services we provide, or (b) may, or has, entered into a contract with us for the supply of any goods or services by us; and
      
      “personal data” means data, whether true or not, about a customer who can be identified: (a) from that data; or (b) from that data and other information to which we have or are likely to have access.
   2. Personal Data which we may collect from you include, but is not limited to, your name, NRIC, passport or other identification number, contact information such as your address, email address or telephone number, nationality, gender, date of birth, marital status, photographs and other audio-visual information, employment information, financial information such as credit card numbers, debit card numbers or bank account information and information about your usage of and interaction with our website and/or services including computer and connection information, device capability, bandwidth, statistics on page views, and traffic to and from our website.
   3. Other terms used in this Notice shall have the meanings given to them in the PDPA (where the context so permits).

2. COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA

   1. We generally do not collect your personal data unless (a) it is provided to us voluntarily by you directly or via a third party who has been duly authorised by you to disclose your personal data to us (your “authorised representative”) after (i) you (or your authorised representative) have been notified of the purposes for which the data is collected, and (ii) you (or your authorised representative) have provided written consent to the collection and usage of your personal data for those purposes, or (b) collection and use of personal data without consent is permitted or required by the PDPA or other laws. We shall seek your consent before collecting any additional personal data and before using your personal data for a purpose which has not been notified to you (except where permitted or authorised by law).
   2. We may collect and use your personal data for any or all of the following purposes:
      1. Processing your application for any of the products or services offered or distributed by us;
      2. Performing obligations in the course of or in connection with our provision of the goods and/or services requested or applied by you;
      3. Evaluating your credit and eligibility profile (including but not limited to your assets) from time to time;
      4. Verifying your identity;
      5. Managing your relationship with is, including but not limited to responding to, handling, and processing queries, requests, applications, complaints, and feedback from you, addressing or investigating any complaints, claims, or disputes;
      6. Processing payment or credit transactions;
      7. Sending you marketing information about our goods or services, including notifying you of our marketing events, initiatives and promotions, lucky draws, membership and reward schemes, and other promotions;
      8. Meeting or complying our internal policies and procedures, and with any applicable laws, regulations, codes of practice, guidelines, orders or requests issued by any court, legal or regulatory bodies (both national and international) or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority;
      9. Legal purposes (including but not limited to enforcing our legal rights, drafting and reviewing documents, obtaining legal advice and facilitating dispute resolution);
      10. Any other purposes for which you have provided the information;
      11. Transmitting to any unaffiliated third parties including our third-party service providers and agents, and relevant governmental and/or regulatory authorities, whether in Singapore or abroad, for the aforementioned purposes;
      12. Transmitting to the our related corporations, including its parent company, subsidiaries, affiliates, and business partners, whether in Singapore or abroad, for the aforementioned purposes; and
      13. Any other incidental business purposes related to or in connection with the above.
   3. We may disclose your personal data:
      1. where such disclosure is required for performing obligations in the course of or in connection with our provision of the goods and services requested by you; or
      2. to third party service providers, agents and other organisations we have engaged to perform any of the functions with reference to the above mentioned purposes.
   4. The Hire Purchase and Leasing Purposes may continue to apply even in situations where your relation with us (for example, pursuant to a contract) has been terminated or altered in any way, for a reasonable period thereafter (including, where applicable, a period to enable us to enforce our rights under any contract with you).

3. DEEMED CONSENT BY NOTIFICATION

   1. We may collect or use your personal data, or disclose existing personal data for secondary purposes that differ from the primary purpose which it had originally collected for pursuant to clauses 5 and 6. If TFSSG Group intends to rely on deemed consent by notification for such secondary purposes, TFSSG Group will notify you of the proposed collection, use or disclosure of his personal data through appropriate mode(s) of communication.
   2. In addition to the Hire Purchase and Leasing Purposes:
      1. We may use your Personal Data to offer you products or services, including special offers, promotions, contests or entitlements that may be of interest to you or for which you may be eligible;
      2. Where you apply for or hold a business product which is offered jointly by us and our related corporations, including its parent company, subsidiaries, affiliates, and business partners (“Affiliates”), we may also collect, use, and disclose your Personal Data for the purpose of sharing such Personal Data with our Affiliates for offering, marketing and promoting to you any products, services, offers or events which our Affiliates think may be of interest to you. (collectively, “Marketing Purposes”); and
      3. Marketing messages sent for Marketing Purposes may take the form of various modes, including but not limited to electronic mail, direct mailers, short message service, telephone calls, facsimile and other mobile messaging services. However, please be assured that we will only do so if you have, pursuant to our Marketing Consent form, provided your clear and unambiguous consent in writing or other recorded form for us to do so.
   3. Before relying on deemed consent by notification, TFSSG Group will assess and determine that the collection, use and disclosure of the personal data will not likely have an adverse effect on you.
   4. You will be given a reasonable period to inform us if you wish to opt-out of the collection, use and disclosure of your personal data for such purposes.
   5. After the lapse of the opt-out period, you may notify us that you no longer wish to consent to the purposes for which your consent was deemed by notification by withdrawing your consent for the collection, use or disclosure of your personal data in relation to those purposes.

4. COOKIES AND RELATED TECHNOLOGIES

   1. A cookie is a small data file sent to your browser and track information about you when you enter our websites. We use cookies to to collect information about users of our website (for example, store users’ preferences and record session information) and the information that we collect is then used to ensure a more personalised service level for our users. You can adjust settings on your browser so that you will be notified when you receive a cookie. Should you wish to disable the cookies associated with these technologies, you may do so by changing the settings on your browser. However, by doing so, it may limit the use of certain features, functions or part(s) of our websites.

5. WITHDRAWING YOUR CONSENT

   1. The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is being withdrawn by you in writing. You may withdraw your consent and request us to stop using and/or disclosing your personal data for any or all of the purposes listed above by submitting your request in writing or via email to our Data Protection Officer at the contact details provided below.
   2. Upon receipt of your written request to withdraw your consent, we may require reasonable time (depending on the complexity of the request and its impact on our relationship with you) for your request to be processed and for us to notify you of the consequences of us acceding to the same, including any legal consequences which may affect your rights and liabilities to us. In general, we shall seek to process your request within ten (10) business days of receiving it.
   3. Whilst we respect your decision to withdraw your consent, please note that depending on the nature and scope of your request, we may not be in a position to continue providing our goods or services to you and we shall, in such circumstances, notify you before completing the processing of your request. Should you decide to cancel your withdrawal of consent, please inform us in writing in the manner described in clause 8 above.
   4. Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal data where such collection, use and disclose without consent is permitted or required under applicable laws.

6. ACCESS TO AND CORRECTION OF PERSONAL DATA

   1. If you wish to make (a) a request for access to a copy of the Personal Data which we hold about you; or (b) a request to correct or update any of your Personal Data which we hold about you, you may submit your request in writing or via email to our Data Protection Officer at the contact details provided below.
   2. Please note that a reasonable fee may be charged for an access request. If so, we will inform you of the fee before processing your request.
   3. We will respond to your request as soon as reasonably possible. In general, our response will be within fourteen (14) business days. Should we not be able to respond to your request within thirty (30) days after receiving your request, we will inform you i n writing within thirty (30) days of the time by which we will be able to respond to your request. If we are unable to provide you with any personal data or to make a correction requested by you, we shall generally inform you of the reasons why we are unable to do so (except where we are not required to do so under the PDPA).

7. PROTECTION OF PERSONAL DATA

   1. To safeguard your personal data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, we have introduced appropriate administrative, physical and technical measures such as authentication and access controls (such as good password practices, need-to-basis for data disclosure, etc.), encryption of data, data anonymisation, up-to-date antivirus protection, regular patching of operating system and other software, securely erase storage media in devices before disposal, web security measures against risks, usage of one time password(otp)/2 factor authentication (2fa)/multi-factor authentication (mfa) to secure access, and security review and testing performed regularly.
   2. You should be aware, however, that no method of transmission over the Internet or method of electronic storage is completely secure. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures.

8. ACCURACY OF PERSONAL DATA

   1. We generally rely on personal data provided by you (or your authorised representative). In order to ensure that your personal data is current, complete and accurate, please update us if there are changes to your personal data by informing our Data Protection Officer in writing or via email at the contact details provided below.

9. RETENTION OF PERSONAL DATA

   1. We may retain your personal data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.
   2. We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.

10. TRANSFERS OF PERSONAL DATA OUTSIDE OF SINGAPORE

    1. We generally do not transfer your personal data to countries outside of Singapore. However, if we do so, we will obtain your consent for the transfer to be made and we will take steps to ensure that your personal data continues to receive a standard of protection that is at least comparable to that provided under the PDPA.

11. DATA PROTECTION OFFICER

    1. You may contact our Data Protection Officer via our general email address, cs@tfssg.sg and address to our DPO if you have any enquiries or feedback on our personal data protection policies and procedures.

12. EFFECT OF POLICY AND CHANGES TO POLICY

    1. This Notice applies in conjunction with any other notices, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your personal data by us.

We may revise this Notice from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Notice was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.