WhatsApp Privacy Policy

Effective Date: 1 December 2025

1 1 1 Credit Pte Ltd (“111 Credit”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal data in accordance with applicable laws and regulations in Singapore, including the Personal Data Protection Act 2012 (“PDPA”).

This WhatsApp Privacy Policy explains how we collect, use, disclose, and protect your personal data when you communicate with us through WhatsApp.

1. Collection of Personal Data

When you contact us through WhatsApp, we may collect personal data including but not limited to:

  • Your name
  • Mobile number
  • Message content
  • Information or documents voluntarily provided by you
  • Any other information you choose to share with us

We only collect information that is reasonably necessary for responding to your enquiries and providing our services.

2. Use of Personal Data

Your personal data may be used for the following purposes:

  • Responding to your enquiries and requests
  • Providing customer support and assistance
  • Verifying your identity where necessary
  • Managing and maintaining communication records
  • Improving our customer service and operational processes
  • Complying with applicable legal and regulatory requirements

We will not use your personal data for purposes unrelated to the services provided without your consent, unless permitted or required by law.

3. WhatsApp Communication

By contacting us via WhatsApp, you acknowledge and agree that:

  • WhatsApp is a third-party messaging platform operated by Meta Platforms, Inc.
  • Messages transmitted through WhatsApp may be processed in accordance with WhatsApp’s own terms, privacy policies, and security practices
  • While we take reasonable measures to protect your information, no method of electronic communication or storage is completely secure

You are encouraged not to share highly sensitive or confidential information through WhatsApp unless necessary.

4. Disclosure of Personal Data

We may disclose your personal data where necessary:

  • To comply with applicable laws, regulations, court orders, or lawful requests from authorities
  • To protect our legal rights and interests
  • Where disclosure is permitted or required under applicable laws

We do not sell or rent your personal data to third parties.

5. Retention of Personal Data

We may retain WhatsApp communications and related personal data for as long as reasonably necessary for business, legal, regulatory, or operational purposes.

When personal data is no longer required, we will take reasonable steps to securely delete or dispose of it.

6. Protection of Personal Data

We implement reasonable administrative, technical, and organisational measures to safeguard personal data against unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks.

7. Your Rights

Subject to applicable laws, you may request to:

  • Access personal data held by us
  • Correct inaccurate or incomplete personal data
  • Withdraw consent for certain uses of your personal data where applicable

Requests may be submitted using the contact details below.

8. Contact Information

If you have any questions regarding this WhatsApp Privacy Policy or your personal data, please contact:

1 1 1 Credit Pte Ltd
304 Orchard Road #01-36A
Lucky Plaza
Singapore 238863

Email: [email protected]
WhatsApp: +65 8788 0111

Data Protection Contact:
Tan Xue Ying
Email: [email protected]
Contact Number: +65 8877 0111

9. Changes to this Policy

We may update or amend this WhatsApp Privacy Policy from time to time without prior notice. The updated version will supersede earlier versions and take effect from the stated effective date.