Who We Are

HomeLedger Pte Ltd (“HomeLedger”, “we”, “us”, or “our”) is a company incorporated in Singapore. We operate the HomeLedger platform which provides independent mortgage rate comparison, financial calculators, educational content, and a lead-matching service connecting Singapore residents with licensed financial institutions and mortgage brokers.

We are not a bank, licensed moneylender, or licensed financial adviser under the Financial Advisers Act (Cap. 110). All mortgage applications are subject to the credit assessment and approval of the respective financial institutions.

Personal Data We Collect

We collect personal data when you interact with our platform, including when you complete our Mortgage Matching Wizard, set a Rate Drop Alert, or contact us via WhatsApp or email.

Data you provide directly

• Identity data: Full name
• Contact data: Mobile number (WhatsApp), email address
• Financial preference data: Target interest rate, loan amount, property type, property value, purchase purpose, preferred tenure, and timeline

Data collected automatically

• Technical data: IP address, browser type, device type, operating system
• Usage data: Pages visited, time on site, calculator inputs (non-identifiable), referral source
• Cookie data: As described in Section 8

We do not collect sensitive personal data such as NRIC numbers, CPF account information, or bank account numbers through this platform.

How We Use Your Data

3.1 Service delivery

• To match you with mortgage products from our partner financial institutions suited to your preferences
• To contact you with personalised mortgage rate information and specialist advice
• To send you rate drop alerts when your target interest rate is reached
• To respond to your enquiries and provide customer support

3.2 Marketing and business purposes

• To send you relevant updates on Singapore mortgage rates and HomeLedger services where you have consented
• To facilitate introductions between you and our authorised partner financial institutions and mortgage brokers, who may contact you directly with offers and advice
• To conduct research and analytics to improve our platform

3.3 Legal and compliance purposes

• To comply with applicable Singapore laws and regulations, including the PDPA and MAS guidelines
• To protect our legal rights and to detect, prevent, and address fraud or misuse

Disclosure to Third Parties

4.1 Authorised financial partners

We share your personal data — including your name, contact details, and mortgage preferences — with our network of licensed mortgage brokers, banks, and financial institutions authorised by the Monetary Authority of Singapore (MAS). These partners may contact you directly to discuss home loan options, provide mortgage advice, and offer products that match your requirements.

Our partner categories include:

• Licensed mortgage brokers and financial adviser firms
• Banks and financial institutions licensed by MAS in Singapore
• Property and financial services firms with a legitimate interest in contacting you based on your enquiry

4.2 Service providers

We engage trusted third-party service providers who process data on our behalf:

• Form processing: Formspree Inc. (United States) — processes form submissions and delivers them to us
• Communications: WhatsApp (Meta Platforms) — facilitates messaging between you and our advisors

4.3 Cross-border transfers

Some service providers are located outside Singapore. Where personal data is transferred internationally, we ensure such transfers are protected by contractual arrangements that provide a standard of protection comparable to the PDPA, as required under Section 26 of the PDPA.

4.4 What we do not do

• We do not sell your data to unrelated commercial entities for their own marketing purposes
• We do not share your data with parties outside the financial services sector without your separate explicit consent
• We do not share your data with government agencies unless required by law

PDPA Compliance & Your Rights

HomeLedger Pte Ltd is committed to complying with the Personal Data Protection Act 2012 (PDPA) of Singapore and the Do Not Call (DNC) Registry provisions.

5.1 Your rights under the PDPA

• Right of access: You may request access to the personal data we hold about you. We will respond within 30 days.
• Right of correction: You may request that we correct any inaccurate or incomplete personal data.
• Right to withdraw consent: You may withdraw consent at any time with reasonable notice. Withdrawal does not affect the lawfulness of prior processing.
• Right to data portability: Where technically feasible, you may request a copy of your personal data in a structured format.

5.2 DNC Registry

By submitting your mobile number and consenting to be contacted, you acknowledge that HomeLedger and its authorised partners may contact you via telephone calls, SMS, and WhatsApp, notwithstanding any registration on the Singapore DNC Registry. This applies because your submission constitutes an ongoing business relationship under the PDPA.

5.3 How to exercise your rights

Contact our Data Protection Officer at dpo@homeledger.sg. We may need to verify your identity before processing your request.

Data Retention

• Enquiry and lead data: Up to 3 years from date of collection, or until consent withdrawal
• Rate alert data: Until the alert is fulfilled or cancelled, plus 12 months
• Marketing data: Until you unsubscribe or withdraw consent
• Technical and analytics data: Up to 24 months on a rolling basis

When personal data is no longer required, we will securely destroy or anonymise it in accordance with our data retention procedures.

Data Security

We implement reasonable and appropriate security measures to protect your personal data from unauthorised access, use, modification, disclosure, or destruction, including secure data transmission using TLS/SSL encryption and access controls restricting data access to authorised personnel only.

In the event of a data breach likely to cause significant harm, we will notify the Personal Data Protection Commission (PDPC) and affected individuals as required by the PDPA Notification of Data Breaches Obligation.

Cookies & Analytics

Our platform may use cookies and similar tracking technologies to enhance your experience and understand usage patterns. These include essential cookies (required for the platform to function) and analytics cookies (aggregated, non-identifying data). You may control cookies through your browser settings.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date at the top of this document. Your continued use of our platform after changes are posted constitutes your acceptance of the updated policy.

Contact & Data Protection Officer

About HomeLedger

HomeLedger Pte Ltd (“HomeLedger”, “we”, “us”, or “our”) is a company incorporated in Singapore. We operate the HomeLedger digital platform which provides independent mortgage rate comparison, financial calculators, educational content, and a lead-matching service connecting Singapore residents with licensed financial institutions and mortgage brokers.

HomeLedger is not a bank, licensed moneylender, or licensed financial adviser under the Financial Advisers Act (Cap. 110) of Singapore. Nothing on this platform constitutes financial advice. All mortgage products and services are provided by the respective licensed third-party financial institutions and advisers.

Acceptance of Terms

By accessing or using our platform — in particular by completing our Mortgage Matching Wizard, setting a Rate Drop Alert, or ticking the consent checkbox on any form — you confirm that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy, which together form a legally binding agreement between you and HomeLedger Pte Ltd.

You must be at least 18 years of age and a resident of Singapore to use our services.

Our Services

3.1 Mortgage rate comparison

We display indicative home loan interest rates from various Singapore banks for informational purposes only. Rates are updated regularly but may not always reflect the current market in real time. Displayed rates are subject to each bank’s terms and credit assessment.

3.2 Financial calculators

Our True Cost Calculator, TDSR Eligibility Calculator, and Repayment Schedule Calculator provide outputs for illustration and planning purposes only and do not constitute a binding offer, guarantee, or financial advice.

3.3 Mortgage Matching Wizard

Our wizard collects your property purchase or refinancing preferences and uses this to match you with suitable mortgage packages from our partner financial institutions. Participation is entirely voluntary.

3.4 Rate Drop Alert

You may register a target interest rate. HomeLedger advisors will monitor prevailing bank rates and contact you when a qualifying package is identified. This is a manual advisory service and does not guarantee that the specified rate will be available or offered to you.

Consent to Use of Personal Data

Specifically, you consent to HomeLedger:

• Collecting your name, mobile number, email address, and financial preference data
• Using this data to identify and match you with relevant mortgage products and services
• Contacting you via WhatsApp, telephone, and email to provide mortgage advice and information
• Retaining your data for the period specified in our Privacy Policy
• Sharing your data with authorised third-party partners as described in Section 5

You may withdraw consent at any time by contacting us at dpo@homeledger.sg or replying STOP to any message. Withdrawal does not affect prior processing.

Sharing Data with Third-Party Partners

HomeLedger’s core business model is to connect you with licensed financial services providers. By using our platform and providing your consent, you agree that HomeLedger may share your personal data with our authorised third-party partners for the purposes of:

• Presenting you with mortgage loan offers, rates, and packages from MAS-licensed banks and financial institutions
• Enabling licensed mortgage brokers and financial advisers to contact you directly with personalised advice
• Facilitating the mortgage application journey with the financial institution you select

Our partners are required to comply with the PDPA, use your data only for the stated purposes, maintain appropriate data security standards, and provide you with a means to opt out of further communications.

What we do not do

• We do not sell your data to unrelated parties outside the financial services sector
• We do not share your data with entities that are not authorised partners without separate explicit consent

Disclaimer & Limitation of Liability

6.1 No financial advice

All content, tools, calculators, and communications provided through our platform are for informational and illustrative purposes only and do not constitute financial advice, legal advice, or any form of regulated advisory service. You should seek independent professional advice before making any financial decision.

6.2 Accuracy of information

While we take reasonable care to keep information accurate and up to date, HomeLedger makes no representations or warranties as to the accuracy, completeness, or timeliness of any information. Interest rates displayed are indicative only and subject to change without notice.

6.3 Limitation of liability

To the maximum extent permitted by applicable Singapore law, HomeLedger Pte Ltd, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our platform, including reliance on any rate information or calculator output, or any mortgage application declined by a financial institution. Our total aggregate liability shall not exceed the amount of fees you have directly paid to HomeLedger (which is zero, as our platform is free).

User Obligations

By using our platform, you agree that you will:

• Provide accurate, complete, and truthful information when submitting any form or enquiry
• Not use our platform for any unlawful, fraudulent, or malicious purpose
• Not attempt to access, interfere with, or damage any part of our platform, servers, or networks
• Not submit personal data of any third party without that person’s express consent
• Comply with all applicable Singapore laws and regulations

Intellectual Property

All content on our platform, including text, graphics, logos, software, data compilations, and overall design, is the property of HomeLedger Pte Ltd or its licensors and is protected by Singapore and international intellectual property laws. You are granted a limited, non-exclusive licence to access and use the platform for personal, non-commercial purposes only.

Governing Law & Disputes

These Terms & Conditions are governed by the laws of the Republic of Singapore. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore. We encourage you to contact us first so we may attempt to resolve any dispute informally and in good faith.

Amendments & Contact

HomeLedger reserves the right to amend these Terms at any time. Changes take effect from the date they are posted, as indicated by the updated effective date. Your continued use constitutes acceptance of the revised Terms.