Privacy Policy

1. Scope

This Policy applies to personal data collected:

• when you register for or use the Platform;
• when you upload documents or information;
• when you communicate with us;
• when you visit our website.

2. What Personal Data We Collect

We may collect the following categories of personal data:

2.1 Account Information

• Name
• Email address
• Organisation
• Job title
• Contact details

2.2 Transaction Information

• Billing details
• Payment information (processed via third-party providers)

2.3 Uploaded Data

• Information contained in documents uploaded to the Platform
• Financial, corporate, or dispute-related information
• Personal data contained within uploaded materials

2.4 Technical Data

• IP address
• Browser type
• Device information
• Log files
• Usage data
• Cookies and analytics data

3. How We Use Personal Data

We may use personal data for the following purposes:

1. to provide access to and operate the Platform;
2. to generate automated valuation reports;
3. to process payments;
4. to communicate with users;
5. to improve, develop, and train our models (using anonymised or aggregated data where feasible);
6. to comply with legal and regulatory obligations;
7. to manage risk, prevent fraud, and ensure security;
8. to enforce our Terms & Conditions.

We will not use personal data for unrelated purposes without consent unless permitted by law.

4. Legal Basis for Processing

Under the PDPA, we rely on:

• User consent;
• Performance of contractual obligations;
• Legitimate business interests;
• Legal and regulatory obligations.

By using the Platform, you consent to the collection, use, and disclosure of personal data as described in this Policy.

5. Uploaded Data and Responsibility

You represent and warrant that:

• you have lawful authority to upload personal data;
• any personal data uploaded complies with applicable data protection laws;
• you have obtained necessary consents from data subjects.

ClaimFactor does not independently verify uploaded personal data.

6. Disclosure of Personal Data

We may disclose personal data to:

• affiliated companies (including TIVACO PTE. LTD.);
• cloud hosting providers;
• payment processors;
• analytics providers;
• professional advisers;
• regulators or authorities where legally required.

7. Cross-Border Transfers

Personal data may be transferred to and processed outside Singapore.

Where such transfers occur, we will ensure that:

• comparable data protection standards are applied;
• contractual safeguards are in place as required under the PDPA.

8. Data Retention

We retain personal data only for as long as necessary to:

• fulfil the purposes outlined in this Policy;
• comply with legal obligations;
• manage risk and defend legal claims.

We may retain anonymised data for analytics and model improvement indefinitely.

9. Data Security

We implement reasonable administrative, technical, and organisational safeguards to protect personal data against:

• unauthorised access;
• disclosure;
• alteration;
• destruction;
• misuse.

However, no internet-based system is completely secure.

10. User Rights

Subject to applicable law, you may request:

• access to your personal data;
• correction of inaccurate data;
• withdrawal of consent (subject to contractual/legal limitations).

Requests may be submitted to the contact details below.

Withdrawal of consent may affect your ability to use the Platform. Where consent is withdrawn, we may not be able to continue providing access to the Platform or certain features.

11. Cookies and Analytics

We use cookies and similar technologies to:

• improve functionality;
• analyse usage;
• enhance user experience.

You may adjust browser settings to refuse cookies, though functionality may be affected.

12. Confidentiality of Uploaded Materials

We treat uploaded materials as confidential.

However:

• automated processing occurs through our systems;
• data may be stored in secure third-party cloud environments;
• anonymised information may be used for model development.

13. Data Breach Notification

In the event of a notifiable data breach under the PDPA, we will notify affected individuals and the Personal Data Protection Commission of Singapore where required by law.

14. Changes to This Policy

We may update this Policy from time to time.

The updated version will be posted on the Platform with a revised effective date.

Continued use of the Platform constitutes acceptance of the updated Policy.

15. Contact Information

For data protection inquiries, please contact:

Data Protection Officer

TIVACO PTE. LTD.

Email: info@claimfactor.ai, info@tivaco.expert

Address: 160 Robinson Road, #14-04, Singapore 068914

16. Acceptance

By clicking acceptance, you confirm:

• you have read and understood this Privacy Policy;
• you consent to the collection, use, and disclosure of personal data as described;
• you acknowledge that cross-border transfers may occur;
• you warrant authority to upload personal data.