Data Retention Policy
This Data Retention Policy describes how long ONECOMPARE SOLUTION PTE. LTD. keeps personal data and how it is securely disposed of, in accordance with the Retention Limitation Obligation under Singapore's Personal Data Protection Act 2012 (PDPA).
Last updated: 13 June 2026
1. Retention principle
We retain personal data only for as long as it is necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. When data is no longer needed for any legal or business purpose, we securely delete, destroy, or anonymise it.
2. Retention periods by data category
Specific retention periods may be adjusted where a longer or shorter period is required by law, by a regulator, or to handle disputes and protect our legal rights.
Enquiry and lead data
Contact details, employment, income range, and loan preferences submitted through our forms.
- Retained for up to 24 months from last interaction, unless an active application is in progress, then until the matter is concluded.
Identity verification data (incl. Singpass MyInfo)
Identity attributes retrieved with your consent for verification and onboarding.
- Retained only for as long as necessary to verify identity and process the application, then deleted or anonymised, subject to legal retention requirements.
Consent records
The consent statement, version, scopes, and timestamp.
- Retained for the duration of the relationship and for a minimum period thereafter to evidence lawful processing.
Audit logs
Records of consent, data retrieval, staff access, data updates, and application activity.
- Retained for security, accountability, and compliance purposes for a period consistent with regulatory expectations.
Communications
Emails, messages, and support correspondence.
- Retained for up to 24 months unless required longer for legal or dispute-resolution purposes.
Technical and usage data
IP address, device information, and analytics identifiers.
- Retained for shorter periods consistent with security monitoring and analytics needs.
3. Secure disposal
When personal data reaches the end of its retention period, we dispose of it securely. Electronic data is deleted or irreversibly anonymised, and any physical records are securely destroyed. Backups containing personal data are overwritten or expired on their normal cycle.
4. Anonymised and aggregated data
We may retain anonymised or aggregated data that does not identify any individual for analytics and service-improvement purposes beyond the periods above.
5. Your rights
You may request access to, correction of, or deletion of your personal data, subject to legal and regulatory retention requirements. To make a request, contact our Data Protection Officer at hello@onecomparesolution.com.
6. Contact
ONECOMPARE SOLUTION PTE. LTD.
Email: hello@onecomparesolution.com