HERE’S OUR CUSTOMER PRIVACY NOTICE AND OUR WEBSITE TERMS

There’s not a lot to say just yet, but watch this space — because we are looking forward to sharing more with you. In the meantime, here are the legal terms that apply to your use of our website for now.

We are Trust Bank Singapore Limited. We’ll share more soon! For now, please take a look around this website to find out more. The information you'll find here is for your general viewing only. This website doesn't contain advice, so we recommend that you obtain professional advice as appropriate. The materials on this website are not an offer, recommendation, or solicitation by us to provide you with any products or services.

We maintain this website from Singapore, directed at people residing in Singapore.

This website may contain hyperlinks to third-party websites or mobile applications. We do not maintain or control any third-party website or mobile application hyperlinked on this website and we are not responsible for them. The hyperlinks appear for information purposes and are for your convenience only. Your access to, and use of any third-party website or mobile application is at your own risk and subject to the terms of that third-party website or mobile application.

Information provided on this website is provided "as is" and without any warranty. For example, we don't provide any warranties as to non-infringement, security, accuracy, fitness for a purpose or free from computer viruses. We are not liable for any loss or damage arising from your use of this website.

Any personal data we collect about you via this website will be handled in accordance with legal requirements that apply to us. However for now, we do not intend to collect any personal information about you — for now. Our website uses analytical/ performance cookies to help us collect statistics, such as the number of new and repeated visits to our website, but we are unable to identify individual visitors. We use this information to understand how people use our website and improve it.

All rights (such as copyright) in relation to the contents (such as trademarks, text, graphics, images, links and sounds) on this website are owned by or licensed to us. The contents of this website may not be copied, modified, downloaded, distributed, published, reused, reposted, reverse engineered, decompiled, or made any use of in any way without our prior written consent. "Trust" and all associated logos ("Trademarks") are pending or registered trademarks. You may not use the Trademarks without our prior written consent.

The content on this website may be out of date. We are not required to update it. We may terminate or restrict your access to this website at any time for any reason without liability. We may make any changes to our website at any time.

Last updated: 15 December 2021

Here at Trust Bank Singapore Limited (“we”, “us” or “our”), we provide our customers with access to various products and services via our website, app, and other electronic channels. To provide these products and services we need to collect, access, use and disclose personal data about our potential customers and customers (“you”). We take privacy very seriously. This notice explains how we use and protect your personal data.

Please read this notice together with all our terms and conditions and cookies policy for further details of relevance to our collection, use and protection of your personal data.

(a) Information you submit:️

• Personal details, for example your name, date of birth, identity card number, address, phone number, email, nationality, employment details and credit-related information.
• Communications data, for example details of how you want us to contact you and marketing preferences.

(b) Information we collect about you:

• Financial data, for example your card number and data regarding the transactions conducted through your accounts and your use of our products and services.
• Technical data, for example details of your mobile network, operating system, IP address, the settings and technology on your device.
• Usage data, for example information about how you use our website, our app, any other electronic channels that we make available to you, and our products and services.
• Data which you otherwise consent to us accessing and using, for example your contacts list, your geolocation data, data from your camera, facial imaging data, biometrics data, voice and video recordings of you, financial data (for example your income, expenses, credit history and banking details), your personal opinions that are made known to us, demographic information about you, information relating to your activities, habits, preferences and interests arising from your use of our products and services, and other data which you consent to us collecting, accessing and using.
• Data we generate or derive about you based on our analysis of the data we collect, or from combining such data with other data or information in our possession (for example, the data of Standard Chartered PLC, our parent company, and its subsidiaries ("Standard Chartered Group") and the data of our joint-venture partners, collaborators and other persons we work with in relation to any business, products or services (“Business Partners”).
• Data about you that we collect from third parties (for example, Business Partners, other third parties who act for us or you or who you have consented to their disclosure, sharing or transfer of data about you to us), or from publicly available sources or agencies (subject to applicable law), including from credit reference, debt collection and fraud prevention agencies.
• Data about you that we are required to collect, access and process under applicable law.

Where required under applicable law, we will seek your separate and explicit consent prior to collecting, accessing or using any of the above categories of data.

(a) For the purposes set out in any of our terms and conditions that govern our relationship with you.

(b) We may contact you if, for any reason, you started but did not complete your registration for any account, product or services, to find out if there was a problem or if we can help.

(c) To consider and process your applications for, or instructions regarding any of our products and services.

(d) To operate, maintain, develop, and improve our products and services.

(e) For credit-related matters, including for conducting credit checks on you, obtaining credit reports about you from credit reference agencies, creating and maintaining credit and risk scoring models, and maintaining your credit history.

(f) To understand your relationship with us, and the Standard Chartered Group for the purposes of risk management, regulatory reporting, assessing your combined credit limit across the Standard Chartered Group and other similar and reasonable purposes.

(g) For marketing purposes as described under section 5.

(h) To conduct data matching, analysis, profiling market research and surveys with the aim of improving our products and services and/or that of our Business Partners.

(i) To enable you to receive personalised offers from us and/or our Business Partners.

(j) To enforce your obligations, towards us or any other member of the Standard Chartered Group.

(k) To comply with any compulsory requirements, or other requirements or processes to which we or any other member of the Standard Chartered Group voluntarily submits as a matter of policy, which require the use or disclosure of your data, including those that may arise pursuant to: (1) any law or regulation; (2) any guidelines or guidance issued by any authority, or self-regulatory or industry bodies or associations, (3) any commitment with local or foreign authorities, or self-regulatory or industry bodies or associations; or (4) any investigation, demand or request from any authority. This includes defending or responding to any legal, governmental, or regulatory or quasi-governmental related matter, action or proceeding (including any prospective action or legal proceedings) relating to us or any other member of the Standard Chartered Group.

(l) To allow data matching with our Business Partners where required to provide you with our products or services.

(m) To allow our Business Partners and Standard Chartered Group members to update your contact details based on the personal information provided by you to us.

(n) To enable an actual or potential investor, purchaser, transferee, assignee, or collaborator of or in our business, assets, products, or services to evaluate the transaction being contemplated.

Personal data we hold is kept confidential, but we may from time to time and in compliance with all applicable laws on data privacy, provide, transfer, or disclose such data or information to other members of the Standard Chartered Group, our Business Partners, regulators, and other third parties (whether within or outside Singapore) for any of the purposes provided above. Please be assured that when we disclose your personal data to such parties, we require them to ensure that any personal data disclosed to them are kept confidential and secure. These other parties include:

(a) Any organisation, agent, contractor or third-party service provider and sub-contractors who provides administrative, telecommunications, identity verification/know-your-customer, computer, payment/ transaction, cloud storage or services, data analytics, cybersecurity or securities clearing or other services to us in connection with the establishment, operation, maintenance or provision of any of our product or service to you.

(b) Anyone who works for (or provides services to) us or the Standard Chartered Group.

(c) Any actual or proposed investor, purchaser, transferee, assignee, or collaborator of or in our business, assets, products, or services.

(d) Third party reward, loyalty, co-branding, and privileges program providers.

(e) Any person or company who has a direct or indirect shareholding in us and their affiliates (each a “Shareholder”).

(f) Any other person (1) where the public interest requires (2) with your express or implied consent or (3) we consider necessary to provide services in connection with a product or services.

(g) Upon your death or mental incapacity, your legal representative and their legal advisers, and a member of your immediate family for the purpose of allowing him/her to make payment on your account.

With your consent, we and our Business Partners may carry out marketing activities with you. This is when we use your personal data to send you details about products, services, and offers provided by us or our Business Partners, including: (1) rewards programs, loyalty privileges, charity offerings; and (2) promotional events, competitions and lucky draws. We shall provide you with personalised marketing (including by aggregating your data with data of others or through social media advertising partners).

Your consent to our marketing activities is essential because it enables us to improve our products and services and generate business.

You have the right to opt out of receiving marketing material at any time.

We have technical and organisational security measures in place to safeguard your personal data. Some of the security measures we use to protect your personal data include:

(a) Firewalls.

(b) Intrusion detection systems (IDS) - like security cameras, and IDSs which monitor information flows for patterns of activity that don’t look normal and might signal an attack on our website, app or other electronic channels.

(c) 24/7 physical protection of the facilities where your data is stored.

(d) Encryption, which converts your data into a code that can only be read by us and some of our trusted partners who need access to it. We encrypt using the highest standards of security technology.

(e) Strong data encryption algorithms, using encryption keys unique to us, and proper encryption key management.

We also need your help to keep your personal data secure. Please let us know immediately if your personal data may have been lost or stolen, or if you think someone has used it without your permission.

We may use computers to make decisions when processing your application for our products and services. The computers may make certain decisions automatically based on the personal data collected about you. The rules used by the computers to make automated decisions are designed to provide fair and objective decisions.

Sometimes we will combine information from groups of customers to create a profile group for research or analysis, or to help with general marketing. This is what we call aggregation of data. Aggregated data will not disclose your identity, but if we end up connecting this to you personally, then we will protect that data in the way stated in this notice. We may share and further aggregate data with data of our third-party partners for the same purposes.

We may keep your data for 7 years (or longer if required under applicable law or regulatory requirements) after the end of your contractual relationship with us. You may ask us to permanently delete your information. We can only do this if we don’t need to retain it for legal or regulatory purposes and we don’t need it to provide a service to you that you still want.

You can access your data, update/correct your data, give feedback, raise a query, and withdraw consents you’ve given to us (for example, for marketing purposes or use of your personal data) via our app or by any other means that we may provide. If you need any help to do any of these things, you may contact us using our customer service channel, including our in-app live chat or call functions. You can also contact Trust’s Data Protection Officer by emailing DataPrivacy@trustbank.sg.

If you withdraw consent, we may not be able to continue providing products or services to you. This may result in the end of some or all our contractual relationships with you. We may be unable to provide you with access to some of your personal data — if so, we will try to provide you with an explanation unless it's unlawful for us to do so.

We may, from time to time, make changes to this notice. Any updated notice will be made available on our website. If we think the changes are significant or if required under applicable law, we will notify you of any changes made to this notice.