Version: 02.20260424
FintechLife Service PTE. LTD. (“the Company”) collects, processes, uses, and transfers users’ personal data internationally in accordance with applicable data protection laws and regulations. To ensure users can utilize the Company’s services with confidence and to enhance transparency regarding how personal data is collected, used, and safeguarded, the Company hereby sets out this Privacy Policy (“Policy”) as follows:
1. This Policy applies to all services provided by the Company, including applications made under the Company’s domain names, websites operated or maintained by the Company, and the GoGoWIRE SG APP (the “APP”) and its related applications (collectively, the “Platform”). This Policy does not apply to third-party websites or platforms linked to the Platform. Users should review the respective privacy policies of such third-party sites independently, and the Company assumes no responsibility in this regard.
2. By accessing the Platform or using the APP services in any manner, users acknowledge that they have read, understood, and agreed to be bound by the Terms of Use and this Policy. Any amendments, revisions, or updates to this Policy will be effective upon publication on the Company’s website or APP. Continued use of the services constitutes acceptance of such updates.
3. Users may elect whether to provide personal data and to exercise their rights under this Policy. However, failure to provide required personal data may result in the inability of the Company to continue providing APP services.
When users apply for or utilize the Company’s services (including the APP and related services), or contact customer support, the Company will collect personal data including, but not limited to, name, identification details, telephone number, email address, and other necessary information.
In addition, the Company retains system-generated records when users access or use the Platform or APP, including but not limited to IP address, device information, browsing behavior, browser type, timestamps, clickstream data, and transaction records.
In accordance with this Policy, the Company provides the following disclosures regarding personal data collection: purposes of collection, categories of data, retention period, geographic scope, recipients, methods of use, users’ rights and means of exercising such rights, and the impact of withholding personal data.
(1) Personal data is collected to satisfy the Company’s legal, regulatory, business, financial, tax, operational, and risk management requirements, including but not limited to joint or independent marketing, statistical analysis, internal controls, management, and audit functions.
(2) A summary of the categories of personal data collected and corresponding purposes is set out in the table below:
| Personal Information | Purpose |
|---|---|
| Account and Profile Information | 1. Provision of Platform/APP services. 2. Fraud prevention, abuse detection, and enforcement of Terms of Use. 3. User communications (including inquiries, notifications, and transaction-related services). |
| Demographic Information | Product development and service enhancement; monitoring and analytics of Platform usage and user behavior to optimize user experience. |
| Identity Verification Documents | 1. Provision of account-related services. 2. Fraud prevention, abuse detection, and Terms of Use enforcement. |
| Transaction Data | 1. Provision of integrated transaction services. 2. Fraud prevention, abuse detection, and Terms of Use enforcement. |
| Beneficiary Information | 1. Provision of payment and collection services. 2. Fraud prevention, abuse detection, and Terms of Use enforcement. |
| Card-Related Data | 1. Provision of card-based transaction services. 2. Fraud prevention, abuse detection, and Terms of Use enforcement. |
| Business Entity Information | 1. Provision of Platform/APP services. 2. Fraud prevention, abuse detection, and Terms of Use enforcement. 3. Corporate communications (including inquiries, notifications, and transaction-related services). |
| Log Data | 1. Service provision. 2. Fraud prevention, abuse detection, Terms of Use enforcement, and service improvement. |
| Device Information | 1. Service provision. 2. Fraud prevention, abuse detection, Terms of Use enforcement, and service improvement. |
| Usage Information | 1. Service provision. 2. Assessment of user satisfaction. 3. Product development and service enhancement. 4. Monitoring and analytics of Platform usage and user activity to optimize user experience and improve services. |
| Location Information | 1. Service provision. 2. Enabling access to the Platform/APP. 3. Fraud prevention, abuse detection, and Terms of Use enforcement. 4. Manual or automated monitoring to prevent fraud and other harmful activities. |
| Communication Data | 1. Response to user inquiries and support requests. 2. Delivery of technical notices, updates, security alerts, and administrative communications. 3. Transaction-related communications (including confirmations, receipts, and tracking notifications). |
| Call Recordings | Customer support and inquiry handling. |
| Other Information | Internal business analysis and investigations. |
| Information Provided for Promotions | Collected with user consent for participation in promotional activities or receipt of marketing communications. |
The scope and categories of personal data collected by the Company are set out below. Such data may be stored on the Company’s systems and infrastructure (including mobile devices and servers). The Company reserves the right to amend the scope and categories of personal data collected, subject to service requirements:
(1) Data Provided by Users: Including, but not limited to, name, nationality, identification documents, national ID number/resident certificate number/passport, date of birth, mobile number, email address, contact address, financial institution account/card details, passwords, mobile carrier barcode, and any additional information required for transaction security and account risk management.
In addition to data provided directly by users, where users have provided personal data to the Company’s partner institutions, such data may be processed and used upon obtaining user consent or as necessary for contractual performance, and will not be used for other purposes.
(2) Data Collected Through Use of Services: When users conduct transactions via the APP, the Company collects transaction-related data, including but not limited to counterparty information, transaction counterparties, transaction volume, amount, timestamp, and IP address.
(3) Automatically Collected Data: When users access the Company’s website, use services, or participate in platform activities, the Company automatically collects and records server log data from users’ browsers, including but not limited to IP address, cookie data, and requested page records.
(4) Data Classification: The above data categories include, but are not limited to, personal identifiers, financial identifiers, government-issued identifiers, personal characteristics, residence and facilities, assets, occupation, qualifications or skills, income, earnings, assets and investments, creditworthiness, financial transactions, agreements, and contractual relationships.
(1) Retention Period: Personal data will be retained for the duration necessary to fulfill the specific purposes of collection, as required by applicable laws or contractual obligations, or as determined by the Company (whichever period is longer).
(2) Geographic Scope: Locations where the recipients listed below are situated, whether domestic or international.
(3) Recipients: (1) The Company (including outsourced service providers); (2) Entities authorized under applicable laws and regulations; (3) Business-related institutions (e.g., banks, third-party payment service providers, affiliates); (4) Competent authorities or financial regulatory bodies; (5) Contractual counterparties or business partners (e.g., corporate clients or partner enterprises); (6) Other parties with user consent. (Collectively, the “Third Parties”.)
(4) Methods of Use: Personal data will be processed and utilized in compliance with applicable data protection laws, via automated or non-automated means.
Users may exercise the following rights with respect to their personal data:
1. Users may elect whether to provide personal data. Failure to provide required data may result in the Company being unable to perform necessary due diligence or processing, and the Company reserves the right to decline related service or transaction applications.
2. Except as otherwise provided under applicable data protection laws, users may request access to, review, or obtain copies of their personal data. The Company may charge reasonable administrative fees in accordance with applicable regulations. Requests must be submitted in the prescribed form, together with valid identity verification documents. Where an agent is appointed, a duly executed authorization letter and identification documents of both the user and the agent must be provided.
3. Users may request supplementation or correction of their personal data. Such requests must be supported by reasonable justification in accordance with applicable laws.
4. In accordance with applicable data protection laws, users may request restriction of processing, cessation of collection, processing or use, or deletion of personal data. However, this may result in the Company being unable to provide part or all services. The Company shall not delete personal data required for compliance with legal or regulatory obligations.
5. Where the accuracy of personal data is disputed, users may request suspension of processing or use, except where such data is necessary for the execution of relevant procedures.
6. For exercising the above rights, users may contact the Company’s customer support for further assistance.
Customer Support Contact:
Tel: +886-2-2712-8979 (Service Hours: Mon–Fri 09:00–17:00)
Email: service.sg@fintech-life.com (24/7)
Users must complete identity verification before requesting access, copies, review, or modification of personal data or account information.
Users may request cessation of collection, processing, use, or deletion of personal data at any time. Upon such request, the Company reserves the right to terminate access to the Platform and APP services.
The Company reserves the right to reject requests for modification, deletion, or alteration of personal data where such actions would adversely affect national interests, regulatory enforcement, or the material interests of the Company or third parties.
Users may freely choose whether to provide personal data. However, failure to provide complete and accurate information required for registration may result in the inability to access Platform or APP services, and the Company reserves the right to reject related applications.
The Company implements reasonable technical and organizational measures to safeguard users’ personal data. Users are responsible for securely maintaining their personal information, including account credentials and passwords, and ensuring data accuracy.
Except as required by law, regulation, or as disclosed under this Policy, the Company shall maintain strict confidentiality of personal data and will not disclose such data to third parties without proper authorization.
For third parties authorized to access or process personal data under this Policy, the Company shall require equivalent confidentiality and data protection obligations. However, where damages arise due to acts or omissions attributable to such third parties, the Company shall not be liable for compensation, but will assist users in pursuing legal remedies against the relevant third party.
The Company reserves the right to amend this Privacy Policy unilaterally from time to time, with such amendments to be duly published. Should users have any inquiries regarding this Policy or matters relating to personal data, they may contact the Company via customer support.
This Privacy Policy is drafted in Chinese. Any translations into other languages are provided for convenience only and shall not govern the interpretation or application of this Policy. The English version is for reference purposes only. In the event of any inconsistency, the Chinese version shall prevail.