AI Mortgage Agent

Singapore

Legal

Privacy Policy

1. Who we are

This policy explains how AI Mortgage Agent, operated by LUNA WEB PTE LTD ("we", "us", "our"), collects, uses, discloses, and protects personal data in accordance with Singapore's Personal Data Protection Act 2012 ("PDPA") when you use mortgageagent.sg or contact us for a mortgage consultation.

2. What data we collect

When you use our calculators or submit an enquiry, we may collect:

  • Contact details you provide: name, mobile number, and email address.
  • Property and loan details you enter into our forms or calculators, such as property type, loan amount, income, and preferred loan type.
  • Usage data collected automatically, such as pages visited and general location, via Google Analytics (GA4) cookies.

Calculator inputs used only to display results on your screen are processed in your browser and are not stored unless you submit them to us via a contact or consult form.

3. How we use your data

  • To respond to your enquiry and provide a mortgage consultation.
  • To shortlist and compare home loan packages across our partner banks on your behalf.
  • To improve our calculators, articles, and overall website experience.
  • To comply with legal and regulatory obligations.

4. Disclosure to third parties

With your consent, we disclose the details you submit to partner banks and financial institutions solely for the purpose of preparing and comparing home loan quotations for you. We do not sell your personal data. We may also share data with service providers who help us operate this website (such as hosting, email, and analytics providers) under confidentiality obligations.

5. Data retention

We retain personal data only for as long as necessary to fulfil the purposes above or as required by law, after which it is securely deleted or anonymised.

6. Your rights under the PDPA

You may at any time:

  • Request access to the personal data we hold about you.
  • Request correction of inaccurate or incomplete data.
  • Withdraw your consent to our collection, use, or disclosure of your data.

To exercise these rights, contact our Data Protection Officer using the details in Section 8. Note that withdrawing consent may affect our ability to continue providing you with a mortgage consultation.

7. Do Not Call Registry

We only contact you by phone, SMS, or WhatsApp if you have submitted an enquiry to us, which is treated as clear and unambiguous consent under the PDPA's Do Not Call provisions for that specific purpose.

8. Contact us

For any questions, access or correction requests, or complaints about how we handle your personal data, contact our Data Protection Officer at hello@mortgageagent.sg or via WhatsApp.

9. Changes to this policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. The "last updated" date above indicates when this policy was last revised.