At Cohabsemif ("we," "us," or "our"), we are committed to protecting your privacy and the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at cohabsemif.com, interact with us through our digital platforms, use our services, or communicate with us in any manner.
Please read this Privacy Policy carefully. By accessing or using our services, you consent to the collection, use, disclosure, and storage of your information as described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
1. Information We Collect
1.1 Personal Information
We may collect the following types of personal information:
- Contact Information: Name, email address, phone number, postal address.
- Identification Information: NRIC or passport numbers, date of birth, nationality, and other identification details as required by Singapore's real estate regulations.
- Financial Information: Income details, employment information, bank account details, credit history, and other financial information necessary for property transactions.
- Property Preferences: Property type, budget, location preferences, amenities requirements, and other criteria related to your property search.
- Account Information: Username, password, and other details associated with your account on our website.
1.2 Non-Personal Information
We may also collect non-personal information that does not directly identify you, including:
- Technical Information: IP address, browser type, device information, operating system, and other technical details.
- Usage Information: Pages visited, time spent on pages, links clicked, and other interactions with our website.
- Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar technologies as described in our Cookie Policy.
2. How We Collect Information
We collect information through various channels, including:
- Direct interactions when you provide information through forms, emails, or phone calls.
- Automated technologies or interactions, including cookies and similar technologies.
- Third parties or publicly available sources, including property portals, credit bureaus, government agencies, and social media platforms.
- In-person meetings and property viewings.
3. How We Use Your Information
We use your personal information for the following purposes:
- To provide and manage the real estate services you have requested.
- To process property transactions, including sales, purchases, and rentals.
- To communicate with you about properties, appointments, transactions, and other service-related matters.
- To personalize your experience and deliver content and property recommendations most relevant to you.
- To comply with legal and regulatory requirements related to real estate transactions in Singapore.
- To process payments and manage financial aspects of property transactions.
- To improve our website, services, and customer experience.
- To send marketing communications with your consent.
- To protect against fraud and unauthorized transactions.
- To conduct research and analysis to improve our business operations.
4. Legal Basis for Processing
We process your personal information on the following legal grounds:
- Consent: Where you have given us explicit consent to process your personal information for specific purposes.
- Contractual Necessity: Where processing is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into a contract.
- Legal Obligation: Where processing is necessary for compliance with our legal obligations under Singapore law, including the Personal Data Protection Act (PDPA) and real estate regulations.
- Legitimate Interests: Where processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your interests or fundamental rights and freedoms.
5. Information Sharing and Disclosure
We may share your information with the following categories of recipients:
- Service Providers: Third-party vendors who perform services on our behalf, such as property photographers, valuers, lawyers, and IT service providers.
- Business Partners: Property developers, banks, and other financial institutions involved in property transactions.
- Regulatory Bodies: Government agencies, including the Council for Estate Agencies (CEA) and other regulatory authorities.
- Professional Advisors: Lawyers, accountants, auditors, and other professional advisors in connection with the services we provide.
- Other Parties: With your consent or at your direction, we may share your information with other parties, such as potential buyers or sellers in a property transaction.
We do not sell, rent, or lease your personal information to third parties for their marketing purposes without your explicit consent.
6. International Transfers
Your personal information may be stored and processed in Singapore or any other country where we, our affiliates, or service providers maintain facilities. We take steps to ensure that your personal information receives an adequate level of protection in the jurisdictions in which we process it, including through appropriate data transfer agreements like Standard Contractual Clauses.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, and applicable legal requirements.
In some circumstances, we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you.
8. Data Security
We have implemented appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include:
- Encryption of sensitive personal information.
- Regular security assessments and testing.
- Access controls and authentication procedures.
- Staff training on data protection and security.
- Secure network architecture and monitoring.
While we take reasonable steps to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.
9. Your Rights
Depending on your location and applicable law, you may have certain rights regarding your personal information, including:
- Access: The right to request access to your personal information.
- Correction: The right to request correction of inaccurate personal information.
- Deletion: The right to request deletion of your personal information in certain circumstances.
- Restriction: The right to request restriction of processing of your personal information.
- Data Portability: The right to receive your personal information in a structured, commonly used, and machine-readable format.
- Objection: The right to object to processing of your personal information in certain circumstances.
- Withdraw Consent: The right to withdraw consent at any time where we rely on consent to process your personal information.
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.
10. Cookies and Similar Technologies
We use cookies and similar technologies to collect information about your browsing activities on our website. For more information about our use of cookies and your choices regarding cookies, please see our Cookie Policy.
11. Marketing Communications
We may send you marketing communications about our properties, services, and events that we believe may be of interest to you. You can opt out of receiving marketing communications from us at any time by:
- Clicking the "unsubscribe" link in any marketing email we send.
- Contacting us using the information provided in the "Contact Us" section below.
- Updating your communication preferences in your account settings, if applicable.
12. Children's Privacy
Our services are not directed to individuals under 18 years of age, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information from our servers.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.
The date of the latest revision will be indicated at the top of the Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:
15. Governing Law
This Privacy Policy shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles.