We collect data about you from your mobile device, from third party integrations you provide your credentials to and from data you provide directly in order to produce an alternative credit score (“Financial Health Score”) using highly sophisticated algorithms and predictive analytics. We provide this score only in relation to the financial service of the financial institution that you are applying for.

We do not share your Financial Health Score with anyone else. For most cases, we use metadata, which is non-private, non-confidential and non-sensitive information that does not directly identify you. In particular, we may use such data to build data profiles and provide segmented risk profile, generate aggregate statistical information, and to improve and administer our current products and create new products. You can be assured that we protect the information we collect. By using our products or services, you agree to the collection, use, and sharing of your data in accordance with this Privacy Policy. Unless the specific product states otherwise, all InsightGenie products and services are included under this Privacy Policy.

We collect your data when you download our mobile application and consent to us obtaining your digital footprint. We also collect your data when you are applying for or using financial products (loans, insurance policy, etc) from financial organisations that who we serve. We will not and cannot extract a digital footprints without your consent.

We do not request for your data from financial institutions without your consent and do not collect or process it without your consent. We will also ask you to click on a button that says “Extract Data”, or similar, before commencing a data extraction, a credit scoring and/or anti-fraud assessment on your mobile phone.

We collect various types of data from your smartphone and publicly available on the Internet to perform our services. Our InsightGenie mobile application will only access the information on your mobile device after you have agreed to its collection and use. This information may include your device ID number, contacts, calendars, application list, location data and the IP address* of your device. You may change such permissions using your device settings.

The IP address will be accessed only one-time, upon your application for specific financial service (loan, credit card etc.), and not persistently. The IP address information collected by us is similar to the types of information captured by common web analytics tools.

We collect data via third party integrations such as Google and Facebook only if you provide your accounts’ credentials and explicit consent.

We collect information about you such as: IP address and/or Device ID number; We use this information to detect fraudulent applications coming from the same device. In doing this, we protect your identity but retain the ability to recognise what information relates to you. If you create an account you may share with us additional identifiable information such as your email, your name, your address and your Identification number as part of the sign up process.

The information collected by our mobile application is not sent to the financial institution you are applying for a financial service with. The processing of the information is done on InsightGenie’s secure servers. The financial institution of your choice receives some limited pseudonymised information about you including the results of your credit assessment. While the information remains attributable to you, it cannot be reverse engineered to produce the original raw information collected.

These techniques assist in keeping the information that is sent to our servers secure and allows you to retain your raw information on your device.

Our mobile application collects information regarding your text messages on your mobile device and e-mail messages. While the mobile application may scan all such messages on your phone, we only collect (and upload to the server) certain limited information about each message. For instance, the mobile application may count the messages received and their time stamp and match the senders with a list of selected Financial Institutions. It may also scan the content of messages for certain pre-determined keywords and flag when a message contains such keywords.

Our mobile application may scan and process your phone book contacts on your mobile device. Information such as the number of contacts in the phone book is sent as well as parameters such as “how many social media applications are installed on the smartphone”.

We use your data to assess your financial health and status to allow Financial Institutions to decide whether or not to grant a loan or other financial services to you.

We also use your data to:

Obtain an assessment of your solvency including but not limited to an assessment of the probability of default of your obligations in the framework of contracts for the provision of financial services; Assess your interest in receiving financial services through algorithms and mathematical modeling.

The IP address of your device will be used to investigate and prevent fraud, spam, malware, identity theft or other unauthorised access, or any other unlawful activity as a part of the anti-fraud solution only.

You may withdraw your consent to receive advertising and marketing collateral from us and the financial institutions at any time.

We share the result of your credit assessment with the financial institution or fintech with which you are applying for a financial service and your potential willingness to communicate directly with the financial institution, if requested by the financial institution. We also share your potential willingness to communicate directly with the financial institution, if requested by the financial institution.

We may also share your data in the following ways:

When authorised by law or necessary to comply with a valid legal process; when required to protect and defend the rights or property of InsightGenie, including the security of our products and services; when necessary to protect the personal safety, property or other rights of the public, InsightGenie or its customers or employees; or in connection with a sale of all or part of our business. If we are involved in a merger, acquisition or asset sale, we will abide by this Privacy Policy, and any affected users will be informed if we transfer any personal data to a third party or if personal data becomes subject to a different privacy policy as a result.

To implement and improve the functionality of the mobile application and to update the credit scorecards developed for the financial institution client, we will keep your data for up to 3 years unless you request us to delete your data at an earlier date.

You have the right to ask us about the data we process about you, the purpose and nature of the processing, and to provide information on who we share it with. You have the right to request that we update or delete the data we have collected about you at any time. Please note that we may reject requests which risk the privacy of others or are unreasonable. Unless you request us to delete your data, please note that we may keep your data after you stop being a user (but we typically keep your data no longer than is reasonably necessary given the purposes for which the data was collected). 

You have the right to expect us to protect your data and keep it safe. We work hard to protect InsightGenie and our users from unauthorised access to or unauthorised alteration, disclosure or destruction of the information we hold. In particular: We abide by this Privacy Policy at all times with respect to all data that we collect from you; We limit the use and disclosure of your data, and work to ensure that anyone with whom we share such information treats that information with the privacy and security it deserves; and We have put in place industry-accepted physical, technical and administrative practices to safeguard and secure the information we collect. You have the right to lodge a complaint with the relevant data protection authorities for any violation of applicable data protection laws.

We reserve the right to change this Privacy Policy at any time and will indicate the date the Privacy Policy was most recently updated. If there have been significant changes, we will highlight any such changes and will attempt to directly alert you when possible.

If have any questions about this policy or any of the above, please email us at dpo@bizbaz.tech. You may also contact us by mail at: BizBaz Pte. Ltd, 52 FOCH ROAD, Singapore 209274.

Due to nature of our business, we do not currently use cookies to keep track of user sessions.

We collect only the data you explicitly allow via organisations’ APIs on your behalf and combine it into a sigle score that evaluates your integrity and reliability in the eyes of the financial institutions you apply for. We currently offer integrations with Facebook, Google, and additional partners. Contact us for more information.

You may opt-out of our collection, use and disclosure of your information by removing our application from your mobile device and/or requesting for us to delete your information. You can also do so for respective financial organisation or fintech whose product you use, for which our credit risk assessment services were provided.

We require information from the you to properly perform the services intended. Some or all of the functionalities of our service may not be accurate or available should you choose not to share information with us.

Periodically, our site or products may contain links to and from websites or other external destinations managed by third parties. If you follow a link to any of these destinations, please note that those sites have their own privacy policy. When you are on those sites you are subject to those policies, and should therefore read and understand them before you submit any personal data to those sites.

* IP Address – Every device connected to the Internet is assigned a unique number known as an Internet protocol (IP) address. IP addresses are assigned and reassigned by Internet Service Providers and companies regularly. IP address is not always considered as Personally Identifiable Information (PII). In the Philippines, Singapore or GDPR countries it is considered as PII. In other jurisdictions it isn’t.