Irawady Investment Pte Ltd Privacy Policy


As part of our terms and conditions, we will always ensure that any personal information we hold about you is kept safe and secure and we want to make sure that you understand how we use the personal information we hold about you.


We may need to collect and process your personal data for the purpose of providing our services to you and managing your account. By using our services, you consent to our use of your personal data as described in this Notice and in our Privacy Policy.


  1. Collection and Use of Personal Data


Irawady Investment Pte Ltd is committed to maintaining the confidentiality and privacy of your personal data. We only collect and use your personal data to provide you better customer service and for business and legal purposes in relation to our financial products and services including but not limited to the following:-


  • assessing and processing applications, instructions or requests from you or our customers;
  • communicating with you, including providing you with updates on changes to our financial products, services and loans, and/ or facilities (whether made available by us or through us) including any additions, expansions, suspensions, and replacements of or to such financial products, services and loans and/or facilities and their terms and conditions;
  • managing our infrastructure and business operations and complying with internal policies and procedures;
  • responding to queries or feedback;
  • addressing or investigating any complaints, claims, or disputes;
  • verifying your identity for the purposes of providing facilities, financial products or services;
  • conducting credit checks, screenings or due diligence checks as may be required under applicable law, regulation or directive;
  • complying with all applicable laws, regulations, rules, directives, orders, instructions and requests from any local or foreign authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities of Singapore and any other jurisdictions;
  • enabling any actual or proposed assignee or transferee, participant or sub-participant of Irawady Investment Pte Ltd rights or obligations to evaluate any proposed transaction;
  • enforcing obligations owed to us;
  • seeking professional advice, including legal advice; and/ or
  • any other purposes reasonably required by Irawady Investment Pte Ltd.

We may also use personal data for any of the purposes set out in the terms and conditions that govern our relationship with you or our customer.

We may add, remove, modify, suspend, terminate, or discontinue any aspect of our website, its content or services at any time and for any reason without notice or liability.


  1. Handling Of Personal Data


We safeguard your personal data by ensuring that only authorised staff have access to them. We use the information you share with us to make our website better. We treat your data as confidential and we only use your personal details to contact you about our products, services and events.


  1. Disclosure Of Personal Data


We do not sell your personal data to anyone or any third party for marketing initiatives. Your personal data will not be published on our website.


We will share your personal data only in the ways that we are permitted to by law, including to the relevant authorities if they request that we do so. We may also use personal data that we collect from you for the purposes of credit checking, and debt collection to enforce and protect our rights, powers, and remedies under our security documents and other third parties, whether located in Singapore or any other jurisdictions for any of the purposes set out in this Notice.


We may transfer, store, process and/ or deal with your personal data outside Singapore. In doing so, we will comply with the Personal Data Protection Act 2012 (“PDPA”)( as amended, revised or re-enacted thereto from time to time) and any other applicable data protection and privacy laws.


The disclosures herein shall be without prejudice and shall not affect our rights of disclosure to any other persons or parties, as set out in the Terms and Conditions or pursuant to any laws or any statutory provisions or at common law or equity and nothing herein, shall be construed as limiting any of those other rights.


  1. Compliance By Third Parties


For the purpose of providing information about our products and services, we may share your personal data with third parties who, in acting as our agents or otherwise, must observe and comply with the same privacy policy standards as Irawady Investment Pte Ltd.


  1. Security Measures in Place to Protect Personal Data


To protect and safeguard the confidentiality of your personal data and to ensure that they are safe, secure and private, we adopt the following systems security and monitoring measures:- 

  • Firewalls, data loss prevention system, anti-virus protection and intrusion detection systems to detect and prevent any forms of illegitimate activities and/ or illegal intrusions of our network systems;
  • Regular security reviews of our systems by our Internal and External Auditors;
  • Vigilant monitoring to detect any suspicious online activities at our website.


We are committed to monitoring our security system constantly for potential situations that could compromise the security or the privacy of our customers, online users, and visitors to our website and to exploring new technology continually to enhance our security system. Nevertheless, we do not warrant the security of your personal data transmitted to us using our website and Internet and online services. This is because you accept the risks that any of your personal data transmitted to or received by us using our website and Internet and online services may still be accessed and/ or disclosed by unauthorised third parties.


By accessing our website and any of the pages thereof, you consent to the collection, use and disclosure of your personal data to us and agree to be bound by the terms and conditions of our Privacy Policy set out herein.


  1. Cookies Policy


This Cookies Policy explains what cookies are and how We use them. You should read this policy so You can understand what type of cookies We use, the information We collect using cookies and how that information is used.


Cookies do not typically contain any information that personally identifies a user, but personal information that we store about You may be linked to the information stored in and obtained from Cookies. We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the cookies We use.


7. Interpretation


The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


8. Definitions


For the purposes of this Cookies Policy:


  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Cookies Policy) refers to Irawady Investment Pte Ltd, 350 Orchard Road #16-10 Shaw House Singapore 238868.
  • Cookies mean small files that are placed on Your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.
  • Website refers to Irawady Investment Pte Ltd, accessible from You means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.


9. Type of Cookies We Use


Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.

 We use both session and persistent cookies for the purposes set out below:


  • Necessary / Essential Cookies


Type: Session Cookies

Administered by: Us

Purpose: These cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.


  • Functionality Cookies


Type: Persistent Cookies

Administered by: Us

Purpose: These cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.


Your Choices Regarding Cookies


If You prefer to avoid the use of Cookies on the Website, first You must disable the use of cookies in your browser and then delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time.


If You do not accept Our Cookies, You may experience some inconvenience in your use of the Website and some features may not function properly.

If You like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser.


  • For the Chrome web browser, please visit this page from Google:
  • For the Internet Explorer web browser, please visit this page from Microsoft:
  • For the Firefox web browser, please visit this page from Mozilla:
  • For the Safari web browser, please visit this page from Apple:


For any other web browser, please visit your web browser’s official web pages.


Your responsibility in safeguarding your personal data


  • If you wish to access our website, always directly enter our website address in the browser address bar. Do not access our website via any hyperlink within emails.
  • Clear your Browser’s Cache and History after each session. Default files on a computer, sometimes called “cache” files can retain images of personal data or otherwise sent to or received by us at our website, making them a potential target for a system intruder. Therefore, we strongly advise that you clear your browser’s disk cache and history after each visit to our website.
  • Do not use a shared computer or an Internet cafe computer to access our website because such computers may be installed with certain software which could capture your personal data or otherwise without your knowledge.
  • If you have installed or downloaded any software which claims to speed up your internet connection or other software, games, screensavers, etc, you should be aware that they may be spyware that has the ability to track your internet sessions and/or gain access to your personal data and Internet browsing history. We recommend that you uninstall such Spyware.
  • Do not leave your personal computer unattended during your online session or using the Online Contact Form whereby your personal data may be viewed by unauthorized persons.
  • Ensure that your personal computer has the latest anti-virus, anti-spyware, and firewall software and updates to guard against new viruses. Make sure that your computer’s operating system and browser software are updated with the latest security patches.
  • Update us whenever you have changed your contact details in order for us to contact you in a timely manner on any issues or matters relating to your access to our website.
  • Contact us should you notice something suspicious or encounter any issues, difficulties, or irregularities in accessing our website.
  • You should be aware of email fraud via phishing whereby generally you are asked to click a link to a fake website and provide, update or confirm your personal data. To bait you, the fraudsters may falsely inform you of a fake urgent or threatening condition concerning your account. Please note that we will never send you an email requesting your personal data or information regarding your account with us. You should NOT respond to such fraudulent emails.
  • Do not open email attachments from strangers, install software or run programs from unknown sources or origins.
  • Delete junk or chain emails.
  • Email messages sent to us over the Internet containing your personal data cannot be guaranteed to be completely secure and you assume all risks arising or in connection thereto.


It is important that you do your part to ensure that any personal data provided to us via the Online Contact Form or email or any other channels of communication are done in a safe and secure manner. We will not be liable to you for any losses, damages, expenses, costs (including legal costs), and charges (whether direct or indirect, foreseeable or unforeseeable, special or consequential or economic loss ) incurred or suffered by you arising out of you sending email messages containing your personal data to us over the Internet or for any error, fraud, forgery, system failure or anything beyond our control or in connection with your failure to adhere to the terms and conditions herein and/or your failure to follow the above-recommended security measures.

 10. Access to Personal Data


Under the PDPA as amended, revised, or re-enacted thereto from time to time, you have the right of access to your personal data which are in our possession or under our control or information which may have been used or disclosed by us within a year before the date of your request. Your request to us for access must be made in writing and subject to payment of such fees as may be prescribed by us from time to time. The prescribed fee amount depends on the nature and complexity of your access request.

  11. Correction of Personal Data


Keeping your personal data accurate and updated is very important to us. You can help us keep accurate records by informing us of any changes, errors or omissions in your personal data. If you have any reasons to believe that your records with us are inaccurate, incorrect, incomplete or not updated, please write to us. We will promptly update your records accordingly within seven (7) working days from the date of receipt of your request.

 12. Retention of Personal Data


Your personal data will be retained by us for as long as the original purposes or the legal or business purposes for which your personal data were collected continue. Should retention is no longer necessary, your personal data will be deleted, destroyed or de-identified from you unless retention of the same is required to satisfy legal or regulatory requirements or to protect our interests or in accordance with our policies.

13. Third Party Websites


Please note that our Privacy Policy does not extend or cover any third-party websites which may be linked from and/or to our website. These third-party websites are not maintained by Irawady Investment Pte. Ltd. Our Privacy Policy only applies to the websites of Irawady Investment Pte. Ltd. When visiting these third-party websites, you should read their privacy policies which will apply to your use of their websites.

 14. Amendments to our Privacy Policy


We may amend, add, delete or substitute any of the terms and conditions herein of our Privacy Policy from time to time and we will place such amendments, additions, deletions or substitutions on our website and you agree to be bound by the terms and conditions of our Privacy Policy and any amendments, additions, deletions or substitutions made thereto by us from time to time. All our communications, transactions, and dealings with you shall be subject to the latest version of our Privacy Policy.

 15. Governing Law and Submission to Jurisdiction


Our data protection policy and practices shall be governed by and be construed in accordance with the laws of Singapore and in the event of any dispute or grievance, you agree to irrevocably submit to the exclusive jurisdiction of the courts of Singapore.


16. Definitions


  • “personal data” shall have the same meanings ascribed to them under the Singapore Personal Data Protection Act 2012 as amended, revised or re-enacted thereto from time to time. Personal data is data that can be used to identify a natural person. Some examples of personal data that we may collect are:
  1. personal particulars (e.g. name, contact details, residential address, date of birth, identity card/ passport details, and/ or education details);
  2. Specimen signature(s);
  3. financial details (e.g. income, expenses, and/ or credit history);
  4. images (including photographs and video recordings) and voice recordings of our conversations with you;
  5. employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/ or benefits);
  6. tax and insurance information;
  7. banking information (e.g. account numbers and banking transactions); and/ or
  8. personal opinions made known to us (e.g. feedback or responses to surveys);


  • Any reference to the word “You”, “your” and words of similar import herein shall mean online users and visitors to our website and any other persons to whom this Privacy Policy applies
  • Any reference to the word “We”, “us” or “our” and words of similar import herein shall mean Irawady Investment Pte Ltd and its successor or assignee.
  • Words importing the singular number include the plural number and vice versa. Words importing the masculine genders shall include the feminine and neuter gender and vice versa;
  • Clauses and other similar headings are for ease of reference and shall not affect the interpretation of any terms herein; and
  • Reference to any statute, statutory provision or subsidiary legislation includes a reference to that statute, statutory provision or subsidiary legislation as may be amended, varied, revised, substituted or re-enacted from time to time.

 17. Contact


If you have any questions concerns or complaints about this Privacy Policy, You can contact us:


  • By email: [email protected]
  • By visiting this page on our website:


We are committed to providing you with good customer service and hence we will attend to your queries, concerns or complaints as expeditiously as possible.