Last Updated: 13/7/2026
1. Introduction
This Privacy Policy explains how Cash Direct. (“we”, “us”, “our”), a licensed moneylender regulated by the Ministry of Law, Singapore, collects, uses, discloses, and protects personal data in accordance with the Personal Data Protection Act 2012 (PDPA).
This policy applies to all personal data collected through our website, physical premises, telephone calls, emails, and WhatsApp / WhatsApp Business, which is operated by Meta Platforms, Inc.
By interacting with us, submitting information, or communicating with us through any channel (including WhatsApp), you consent to the collection, use, and disclosure of your personal data as described in this Privacy Policy.
2. Types of Personal Data Collected
Depending on the nature of your interaction with us, we may collect the following personal data:
(a) Identification & Contact Information
Full name
NRIC / FIN / Passport number (where legally required)
Mobile number
Email address
Residential or correspondence address
WhatsApp profile name and photo
(b) Financial & Transactional Information
Employment details
Income information
Bank account details
Loan application details
Repayment and transaction records
(c) Communication Data
Messages, images, documents, and files shared via WhatsApp
Call logs and correspondence records
Date, time, and content of communications
We only collect personal data that is reasonably necessary for lawful business and regulatory purposes.
3. Purposes of Collection, Use, and Disclosure
Your personal data is collected, used, and disclosed for the following purposes:
Assessing loan eligibility and processing loan applications
Verifying identity and conducting regulatory checks
Communicating with you regarding enquiries, applications, repayments, or account matters
Managing loan servicing, collections, and customer support
Complying with the Moneylenders Act, subsidiary legislation, and regulatory requirements
Maintaining proper records for audit, risk management, and legal compliance
Preventing fraud and safeguarding our business operations
We do not sell, rent, or trade your personal data.
4. WhatsApp & Meta Platforms (Important Notice)
When you communicate with us via WhatsApp or WhatsApp Business:
Messages are protected by end-to-end encryption
WhatsApp and Meta cannot read the content of your messages
However, Meta Platforms, Inc. may collect usage data and metadata in accordance with its own privacy policies
Cash Direct. has no control over Meta’s independent data practices.
By messaging us on WhatsApp, you acknowledge and accept these conditions.
5. Disclosure of Personal Data
We may disclose your personal data only where necessary and permitted under the PDPA, including:
To authorised employees handling your account or enquiry
To professional advisors, auditors, or IT service providers under confidentiality obligations
To credit bureaus or approved industry databases where legally permitted
To regulatory authorities, courts, or law enforcement agencies as required by law
All disclosures are limited, justified, and lawful.
6. Data Protection Measures
We implement reasonable administrative, physical, and technical safeguards to protect your personal data, including:
Restricted access to personal data
Secure storage systems
Confidentiality obligations for staff
Data minimisation practices
Despite our efforts, no method of transmission or storage is completely secure. We continuously review and enhance our data protection measures.
7. Retention of Personal Data
Personal data is retained only for as long as:
It is necessary to fulfil the purposes for which it was collected; or
Required under applicable laws, regulatory guidelines, or audit requirements
When personal data is no longer required, it will be securely disposed of or anonymised.
8. Your Rights Under PDPA
Subject to legal and regulatory limitations, you may:
Request access to your personal dataRequest correction of inaccurate or incomplete data
Withdraw consent for future collection, use, or disclosure (where applicable)
Please note that withdrawal of consent may affect our ability to provide services or continue an existing relationship.
9. Accuracy of Personal Data
You are responsible for ensuring that the personal data you provide to us is accurate and complete.
Please notify us promptly of any changes to avoid disruptions or compliance issues.
10. Updates to This Privacy Policy
We may revise this Privacy Policy from time to time.
Any updates will be published on our website and will take effect upon posting.
11. Contact Information (Data Protection Enquiries)
For questions, access requests, or PDPA-related matters, please contact:
Cash Direct.
Vision Exchange, 2 Venture Drive #01-21 Jurong East Central
5 mins walk from Jurong East MRT Station (Exit B) Singapore 608526