q Privacy Policy | OxPay Financial

Privacy Policy

Thank you for visiting oxpayfinancial.com website (the “Site”). The Site is an Internet property of OxPay SG Pte Ltd (“OxPay,” “we” or “us”). This OxPay Privacy Policy (“Privacy Policy”) sets out how we use, share and protect Personal Information (as hereinafter defined) and other information that we collect when you: (a) access or use the Site; (b) register to become a Member; and/or (c) use the OxPay Site including, without limitation, the Services and/or Promotions.


We will only process your Personal Information in accordance with applicable data protection and privacy laws.


1. Information We Collect

We collect three basic types of information and data: Personal Information, non-Personal Information, and aggregate data.


2.Personal Information Collected

For the purposes of this Privacy Policy, Personal Information shall mean individually identifiable information from or about an individual. We collect Personal Information from end-users primarily in three (3) ways: (1) when you register to become a Member on the Site; (2) when you access the Site and provide information in connection with your use of the OxPay Products and Service, or otherwise utilize certain aspects of the Site, through and/or in connection with an account that you already have with certain third-party social media websites (“Social Media Websites”), such as Facebook® and Twitter®.

In addition, when you access and/or use the Site, we may collect certain usage data, such as: (a) the number of times that you visit the Site; (b) the specific Products and/or Services accessed, as well as the frequency and duration of use associated with them; and (c) other analyses and data associated with your access to, and use of, the Site (collectively, “Usage Data”). We also may collect information and responses you provide when participating in activities on the Site, which may include activity postings, survey responses, assessment responses and any other data you generate in using the Site (“User Responses”).


3. Site Forms

The Personal Information that you must supply on the Site in order to obtain access may include, without limitation: (a) your full name; (b) your e-mail address; (c) your telephone number; (d) any and all other information requested on the applicable forms (collectively, “Site Form Data”).


4. Social Media Website Use

For purposes of this Privacy Policy, “Facebook” shall mean Facebook Inc. and “Twitter” shall mean Twitter, Inc. Facebook® is a registered trademark of Facebook Inc. Twitter® is a registered trademark of Twitter, Inc. Please be advised that OxPay is not in any way affiliated with Facebook or Twitter, and the OxPay Products and Services are neither endorsed, nor sponsored, by Facebook or Twitter.


5. Use Of Personal Information

We may use your Usage Data, and share it with third parties: (a) to assist us and such third parties in studying, evaluating and improving the Site and OxPay Products, Solutions, etcs; (b) determine your preferences and tailor the Site; and (c) so that we can promote the Site to third parties (using Usage Data on an aggregate and anonymous basis in that instance).

Other than in connection with the limited use of Usage Data and Personal Information as specified above, OxPay will never sell, rent, exchange or barter your Personal Information to or with any third party for financial gain. You also agree that we may contact you at any time with updates and any other information that we may deem appropriate for you to receive in connection with your continued use of the Site, and to keep you informed of our other products and services. In addition, if you identify yourself to us by sending us an email or some other communication with questions or comments, we may use such information (including Personal Information) to respond to your questions or comments, and we may file your questions or comments for future reference. If you elect to participate in our coaching program, the coach will be permitted to access your user data, including user posts and comments (public and private).

The Personal Information that you submit to OxPay remains your property, but by making the Personal Information available to OxPay, you grant OxPay the right, subject to applicable state and federal law, to use that Personal Information to bring you certain promotional offers from OxPay that may be of interest to you. If you wish to stop receiving future communications from us, please see email to dpo@oxpayfinancial.com.

We may permit our third-party agents, service providers, vendors and subcontractors (such as vendors and suppliers that provide us with technology, services, advertising and marketing assistance or content in connection with our operation and maintenance of the Site ) to access Usage Data, but they are only permitted to do so in connection with performing services for us or to operate the Site. Third parties are not authorized to use your Personal Information for their own benefit. In addition, we may use, or permit third-party research partners to use, User Responses for research or data analysis purposes.

We may also supplement the information that we collect with information from other sources to assist us in evaluating and improving the Site and OxPay Products, Solutions and Services, and to determine your preferences so that we can tailor the Site to your needs.

Information that we collect about you also may be combined by us with other information available to us through third parties for research and measurement purposes, including measuring the effectiveness of content, advertising or programs. This information from other sources may include age, gender, demographic, geographic, personal interests, product purchase activity or other information. We may report aggregate information, which is not able to be identified back to an individual user of the Site, to our current or prospective advertisers and other business and research partners.

We reserve the right to release current or past Personal Information: (i) in the event that we believe that the Site and/or OxPay Products, Services, is/are being or has/have been used in violation of the Terms and Conditions or to commit unlawful acts; (ii) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we may or may not provide you with e-mail notice.


6. Interactive Services/Social Media Websites

If you post a Comment, Activity Post or otherwise provide Personal Information by and through the Interactive Services, the Site and/or any applicable Social Media Website, you should be aware that any Personal Information that you submit using such forums can be read, collected or used by other users of these forums (depending on your privacy settings, in the case of Social Media Websites), and could be used to send you unsolicited messages or otherwise contact you without your consent or desire. We are not responsible for the Personal Information that you choose to submit in these forums. If you mistakenly post Personal Information in our public forums and would like it removed, you can send us an email to dpo@oxpayfinancial.com to request that we remove it. In some cases, we may not be able to remove such Personal Information.

The Social Media Websites operate independently from OxPay, and we are not responsible for such Social Media Websites’ interfaces or privacy or security practices. We encourage you to review the privacy policies and settings on the Social Media Websites with which you interact to help you understand those Social Media Websites’ privacy practices. If you have questions about the security and privacy settings of any Social Media Websites that you use, please refer to their applicable privacy notices or policies.

Further, by submitting Comments, Activity Posts and/or other material via the Interactive Services, the Site, the Services and/or Social Media Websites, you: (a) represent and warrant that OxPay’s use of your submission does not and will not breach any agreement, violate any law, violate any Social Media Website’s terms of service or infringe upon any third party’s rights; (b) agree that OxPay is free to use in any manner all or part of the Comments, Activity Posts and/or other material on an unrestricted basis without the obligation to notify, identify or compensate you or anyone else; and (c) grant OxPay all necessary rights, including a waiver of all copyright, trademark, privacy and moral rights, to use all Comments, Activity Posts and/or other material, in whole or in part, or as a derivative work, without any duty by OxPay to anyone whatsoever.


7. Non-Personal Information Collection And Use

We may collect certain non-personally identifiable information about you when you visit the Site This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet service provider (e.g., Singtel, MyRepulic). We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage, as well as to offer you products and services.


8. How We May Use Cookies And Other Tracking Technologies

When providing our Services we may use the following types of cookies and tracking technologies for the purposes set out below.

Cookies and local storage may be set and accessed on your computer. Upon your first visit to the Services, a cookie or local storage may be sent to your computer that uniquely identifies your browser. “Cookies” and local storage are small files containing a string of characters that is sent to your computer’s browser and stored on your device when you visit a website. Many major Web services use cookies to provide useful features for their users. Each Web site can send its own cookie to your browser. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent; however, if you reject cookies, you will not be able to sign in to the Services or take full advantage of our Services. Additionally, if you clear all cookies on your browser at any point after setting your browser to refuse all cookies or indicate when a cookie is being sent, you will have to again reset your browser to refuse all cookies or indicate when a cookie is being sent.

To support our Services we may use one or more of the following cookies for the purposes set forth below:

Type of Cookie


Analytics and Performance Cookies

These cookies are used to collect information about traffic to our Services and how users use our Services. The information gathered does not identify any individual visitor. The information is aggregated and therefore anonymous. It includes the number of visitors to our Services, the websites that referred them to our Services, the pages that they visited on our Services, what time of day they visited our Services, whether they have visited our Services before, and other similar information. We use this information to help operate our Services more efficiently, to gather broad demographic information and to monitor the level of activity on our Services. We use Google Analytics for this purpose. Google Analytics uses its own cookies. It is only used to improve how our Services work. You can find out more information about Google Analytics cookies here: https://developers.google.com/analytics/resources/concepts/gaConceptsCookies. You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html.

Essential Cookies

These cookies are essential to provide you with services available through our Services and to enable you to use some of its features. For example, they allow you to log in to secure areas of our Services and help the content of the pages you request load quickly. 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

These cookies allow our Services to remember choices you make when you use our Services, such as remembering your language preferences. 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 visit our Services.

Social Media Cookies

These cookies are used when you share information using a social media sharing button or “like” button on our Services or you link your account or engage with our content on or through a social networking website such as Facebook, Twitter or Google+. The social network will record that you have done this.

You can find more information about cookies and how they work, what cookies have been set on your computer or mobile device and how to manage and delete them at http://www.allaboutcookies.org/.

We may also use “pixel tags,” which are small graphic files that allow us and third parties to monitor the use of the Services and collect Usage Data. A pixel tag can collect information such as the IP address of the computer that downloaded the page on which the tag appears; the URL of the page on which the pixel tag appears; the time (and length of time) the page containing the pixel tag was viewed; the type of browser that retrieved the pixel tag; and the identification number of any cookie previously placed by that server on your computer.

We may use pixel tags, either provided by us or by our third party advertisers, service providers and ad networks, to collect information about your visit, including the pages you view, the links you click and other actions taken in connection with our sites and Services and use them in combination with our cookies to provide offers and information of interest to you. Pixel tags may also enable ad networks to serve targeted advertisements to you when you visit the Services or other websites.

In addition, we may use a variety of other technologies that collect similar information for security and fraud detection purposes.


9. Location Information

When you use the Site, OxPay Products, the Services, or Promotions, we may collect location information either provided by a mobile device interacting with our Site or one of our applications, or associated with your IP address, where we are permitted by law to process this information.


10. Aggregate Data

OxPay reserves the right to transfer and/or sell aggregate or group data about OxPay users (including Usage Data where same is not linked to Personal Information) for lawful purposes. Aggregate or group data is data that describes the demographics, usage or other characteristics of OxPay users as a group, without disclosing personally identifiable information.


11. Mobile Devices

One or more of our Apps may require that you be registered and signed in in order to use them. The information that we collect through your use of our Apps and tools will be treated as Personal Information under this Privacy Policy. When you download and install one of our mobile Apps onto your mobile device we assign a random number to your App installation. This number cannot be used to identify you personally, and we cannot identify you personally unless you choose to become a registered user of the App. We use this random number in a manner similar to our use of Cookies as described in this Privacy Policy. Unlike Cookies, the random number is assigned to your installation of the App itself and not a browser, because the App does not work through your browser. Therefore the random number cannot be removed through settings. If you do not want us to use the random number for the purposes for which we use Cookies, please do not use our mobile device Apps. Because some of the content on our mobile device Apps directs your mobile device to our website you will be exposed to the Cookies that we use and to third party Cookies that may be contained in advertisements that we do not control and will be unable to delete any of these Cookies with your mobile device. Therefore, if you do not want to be exposed to Cookies when you use your mobile device you should not use our mobile device Apps and you should set your mobile device to reject Cookies when you use our mobile optimized sites. Our use of Cookies and Web Beacons on our mobile optimized sites are similar to our use on our desktop sites. Your choices to reject Cookies are available on our mobile optimized site. If you have questions about how to reject Cookies on your specific device please check with the device manufacturer.


12. Third-Party Websites

This Site may contain links to third-party owned and/or operated websites. OxPay is not responsible for the privacy practices or the content of such websites. In some cases, you may be able to make a purchase through one of these third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and OxPay has no responsibility or liability relating to them.


13. Security

We endeavor to safeguard and protect our Users’ Personal Information. When Users make Personal Information available to us, their Personal Information is protected both online and offline (to the extent that we maintain any Personal Information offline). The privacy of your Personal Information is very important to us. When our form submission process asks users to submit sensitive Personal Information (if any), and when we transmit such sensitive information, that information is encrypted and is protected with SSL encryption software.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet can be guaranteed to be 100% secure. Computer hackers that circumvent our security measures may gain access to certain portions of your Personal Information, and technological bugs, errors and glitches may cause inadvertent disclosures of your Personal Information. For the reasons mentioned above, we cannot warrant that your Personal Information will be absolutely secure. Any transmission of data at or through the Site is at your own risk.

All of our Users’ Personal Information, not just the sensitive information mentioned above, is restricted in our offices. Only employees or third party agents who need the Personal Information to perform a specific job are granted access to Personal Information.


14. Information From Users Outside Singapore And Consent To Transfer Information

The Services are operated in Singapore. If you are located in another jurisdiction, please be aware that information you provide to us may be transferred to, stored and processed in Singapore. By using the Services or providing us with any information, you consent to this transfer, processing, and storage of your information in Singapore, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside or are a citizen. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.


15. Managing Your Settings

Even after consenting to the Privacy Policy and Terms and Conditions, you may opt out of receiving e-mail advertising from us by following the instructions at the end of the applicable e-mail message and asking us not to send you e-mail advertising.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to any inquiry or request made by you.


16. Identifying, Deleting And Updating Your Information

At your request, we will inform you of what Personal Information we have on file for you. In addition, at your request, we will update, correct, modify or delete Personal Information that you have provided to us, or that we have collected. You may do so by contacting us via e-mail at dpo@oxpayfinancial.com; provided, however, that we ask individuals to identify themselves and the information requested to be accessed or updated before processing such requests. We will comply with your request as soon as reasonably practicable. However, we may maintain Personal Information whenever we are required to do so by law or regulations or as we believe is reasonably necessary to comply with applicable law or regulations, government requests, to detect or prevent fraud, to resolve disputes, to address problems with the Services, to assist with investigations, or to enforce our terms and conditions or other applicable agreements or policies. We may also need to retain certain information for recordkeeping purposes. We will retain your Personal Information for the period necessary to fulfil the purposes outlined in this Policy unless a longer retention period is required or permitted by law.


17. Children

If you are under the age of 18, please seek parental consent before accessing the Site.


18. Changes To This Privacy Policy

OxPay reserves the right to change or update this Privacy Policy at any time by posting a notice on the Site that we are changing our Privacy Policy.


19. Contact Us

If you have any questions or comments about this Privacy Policy, please e-mail us at dpo@oxpayfinancial.com.