Privacy notice

Last updated: 28 October 2026

Who is responsible for your information

YPAYMORE PTE. LTD. (UEN 202637829Z) is responsible for personal data handled through ypaymore. Our registered office is 60 Paya Lebar Road, Singapore 409051.

Information we may collect

Depending on the step you take, this may include your name and contact details, approved Singpass/Myinfo data that you consent to share, requested borrowing amount, declared income and outstanding loans, optional existing-loan details, an MLCB report or loan contract, application and review status, lender options and selections, appointment information, support messages and technical security logs.

How we receive it

We may receive information directly from you, through Singpass/Myinfo after you review and consent to the approved fields, from documents you submit through the secure journey, and from licensed lenders or service providers involved in the option you ask us to check.

Why we use it

We use personal data to verify identity, understand your borrowing request and any optional existing-loan review, review the information submitted, identify and present available lender options, arrange appointments and the next step you choose, answer support or privacy requests, prevent fraud and misuse, maintain audit records and meet applicable legal obligations.

Who we may share it with

We may share only the information reasonably needed with licensed lenders asked to consider an option, Singpass/Myinfo and approved identity-service providers, hosting and security providers, document-processing providers, appointment or customer-support providers, professional advisers, and authorities where required by law. We do not sell personal data.

Uploaded loan documents

Send an MLCB report, loan contract or identity document only through the secure path shown in the ypaymore journey. Do not send sensitive documents through social media, ordinary email or WhatsApp.

How long we keep information

We retain case records and documents submitted for a case for 5 years from the date the case is closed. We may delete information earlier when it is no longer needed, or keep specific information longer where required by law, a dispute, fraud investigation or legal hold. At the end of the applicable period, information is deleted, anonymised or securely disposed of.

Security and access

We use access controls, environment separation, encryption where appropriate, audit records and vendor controls designed to protect personal data. No internet service is completely secure, so please use only the official ypaymore journey and report anything suspicious.

Your choices and rights

You may ask to access or correct personal data, withdraw consent where consent is the basis for processing, or raise a concern about how information is handled. Withdrawal does not affect processing that was lawful before withdrawal and may prevent us from continuing the service you requested.

Cookies and tracking

We store your explicit language choice in an essential preference cookie for up to one year. We do not choose your language using location.

The website uses essential security and session technologies needed to operate and protect the service. On the public marketing pages of this website — the home page, how it works, company, FAQ, contact, anti-scam guidance, this privacy notice and website terms — ypaymore also uses Google Analytics, an empty Google Tag Manager container, Meta Pixel and TikTok Pixel advertising measurement to measure page visits and campaigns. These tools are not loaded on the application, login or Singpass pages. On the authenticated customer dashboard, when advertising measurement is allowed, only the Meta Pixel and TikTok Pixel are loaded to emit a one-time Lead event after an accepted enquiry; no pageview or general analytics event is sent there. Approved campaign parameters are saved as first-party attribution and removed from the address before public-page measurement loads; unknown query parameters and bookmark fragments prevent these tools from loading. Google Analytics, Google Tag Manager, Meta and TikTok operate under their own privacy practices and may receive standard measurement information alongside the page visited. ypaymore does not use these tools to collect your identity, Singpass or Myinfo data, loan amounts, rates, lenders or application-form contents, uploaded documents or account information, and does not enable Google’s advertising or personalisation signals. Advertising measurement is enabled by default; you can turn off Meta advertising measurement using Privacy choices below. The opt-out is stored in your browser and applies to later visits from that browser.

Where advertising measurement is allowed, an application accepted for review can also generate a Lead event through the browser Meta Pixel and TikTok Pixel and our server-side Meta Conversions API. The browser Meta and server Meta events use the same random event ID so Meta can deduplicate them. The server event contains the event time, the submission-page address without query parameters, the browser User-Agent and available Meta click/browser identifiers; it does not contain your name, contact details, NRIC/FIN, Myinfo data, loan figures, lender details or documents. This measurement is separate from your consent to share Singpass/Myinfo data. Turning it off stops future Meta and TikTok measurement in this browser and requests suppression of unsent events linked to your signed-in account; events already sent or in flight cannot be recalled.

Overseas processing

Some approved service providers may process information outside Singapore. Where this occurs, ypaymore will require contractual or other safeguards designed to provide a standard of protection comparable to the PDPA.

Marketing communications

ypaymore will send marketing communications only where permitted and with the required consent. You may withdraw marketing consent using the method shown in the communication or by contacting us. Service messages about an application or existing case are handled separately from marketing.

Contact our Data Protection Officer

Email info@ypaymore.sg, or write to: Data Protection Officer, YPAYMORE PTE. LTD., 60 Paya Lebar Road, Singapore 409051. Mark postal correspondence “Private and confidential — DPO”.

Changes to this notice

We may update this notice as the service, vendors or legal requirements change. The current version and update date will be published on this page.