Privacy Policy

Effective Date: June 2025

1. Introduction & Scope

PropertyEquityLoan.com ("PEL") is owned and operated by Skystone Asset Management Pte. Ltd. ("Skystone"). We are committed to protecting your personal data under Singapore’s Personal Data Protection Act (“PDPA”). This Policy explains how we collect, use, disclose, retain, and protect your personal data when you interact with our website, apply for loans, or engage our services.

2. Consent & Purpose of Collection

You consent to the collection, use, and disclosure of your personal data when:

  • You apply for a loan, request information, or submit forms on our site;
  • You engage with our services or communicate with us (e.g., support inquiries).

We collect your data only for lawful and specified purposes, including:

  • Verifying identity and assessing loan eligibility;
  • Performing credit and due-diligence checks;
  • Administering loans and servicing repayments;
  • Complying with legal, regulatory, or audit obligations;
  • Communicating with you about our services and marketing (with your consent).
    We will not use your personal data for unrelated purposes without obtaining your additional consent. pdpc.gov.sg

3. Types of Personal Data Collected

Depending on the services you request, we may collect:

  • Identification details (e.g., name, NRIC, nationality);
  • Contact information (e.g., address, phone, email);
  • Financial and employment information (e.g., income, bank account);
  • Business and project information (for corporate loans);
  • Other information required by law (e.g., AML/CFT checks).

4. Withdrawal of Consent & Data Subject Rights

You may withdraw consent, request access or correction of your personal data at any time. We will respond within 30 business days, following verification procedures. In limited cases (e.g., legal obligations or ongoing contractual obligations), full withdrawal may not be possible.

5. Disclosure to Third Parties & International Transfers

Your personal data may be shared with:

  • Service providers: credit agencies, legal, accounting, IT, audit firms;
  • Regulatory authorities: MAS, PDPC, law enforcement agencies;
  • Affiliated entities: under confidentiality and PDPA-compliant terms.

Overseas transfers will only occur under appropriate safeguards ensuring data protection levels comparable to the PDPA, or with your explicit consent.

6. Protection, Retention & Disposal

We implement reasonable administrative, technical, and physical safeguards (e.g., encryption, access restrictions) to protect personal data. Your data is retained only as long as necessary to fulfil collection purposes or comply with legal obligations. Afterward, it is securely destroyed or anonymised.

7. PDPA Data Breach Notification

PEL has a formal breach management plan. If a notifiable breach occurs—likely to result in significant harm or affecting 500+ individuals—we will promptly:

  1. Assess and contain the breach;
  2. Notify PDPC as soon as practicable, and no later than 3 calendar days after assessment;
  3. Notify affected individuals as soon as practicable, providing advice on harm mitigation;
  4. Notify MAS concurrently if the breach arises from our licensed activities.

8. Children & Special Data

Our services are intended for individuals aged 18 or above. We do not knowingly collect data from minors. We also do not collect sensitive personal data unless legally required (e.g., for AML/CFT).

9. Data Protection Officer (DPO)

PEL has designated a Data Protection Officer (DPO) responsible for monitoring PDPA compliance and addressing queries. You may contact the DPO via: Email

10. Updates to the Privacy Policy

We may modify our Privacy Policy as needed. The latest version will always appear on this page. Your continued use of PEL after changes implies acceptance of the updated Policy.