Privacy Policy | SMB Empire

Privacy Policy

Effective date:

Who we are: SMB Empire, operated by Finofin Ltd (“SMB Empire”, “we”, “us”, “our”).

Contact: [email protected]

This Privacy Policy explains how we collect, use, disclose, and protect personal data when you visit smbempire.com and when you apply for business financing through our site. We follow the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable laws.

Eligibility note: Our services are available only to registered business entities. We are unable to assist sole proprietors at this time.

1) The data we collect

Information you provide

  • Contact details (name, email, phone)
  • Business details (legal entity name, registration country, time in business, monthly turnover)
  • Financing preferences and loan amount
  • Any other information you include in free-text fields

Information we collect automatically

  • Device and usage data (IP address, browser type, pages viewed, time on page, referrer)
  • Cookies and similar technologies (see “Cookies & tracking”)

Information from partners

  • Status updates from our lending partners (e.g., application progress/outcomes)
  • Marketing attribution data from advertising platforms

2) How we use your data (purposes)

  • Process your request and match you with suitable lending partners
  • Facilitate introductions and share your details with lenders at your request
  • Communicate with you about your application, eligibility, rates, and offers
  • Provide customer support and respond to enquiries
  • Operate, secure, and improve our website and services (analytics, debugging)
  • Measure and improve advertising performance
  • Comply with legal and regulatory requirements and enforce our terms

Lawful bases (PDPA): your consent, contractual necessity (to provide requested services), and our legitimate interests (fraud prevention, security, service improvement). Where required, we will ask for your express consent (e.g., marketing emails).

3) Sharing your data

We may share personal data with:

  • Lending partners and finance providers to assess eligibility, present offers, and process applications
  • Service providers (e.g., hosting, form submission, CRM, email service, analytics, anti-fraud, customer support)
  • Advertising & analytics partners (e.g., Meta) for measurement and optimization
  • Professional advisers (legal, compliance, accounting)
  • Authorities when required by law, to protect rights, or to investigate fraud/abuse
  • Business transferees in connection with a merger, acquisition, or asset sale

We require recipients to process data only for the purposes described above and to implement appropriate safeguards.

4) International transfers

Your data may be transferred to and processed in countries outside your location (including Singapore, the EU/UK, Israel, the US, and others where our providers or partners operate). We take steps to ensure appropriate protections are in place consistent with applicable laws (e.g., contractual safeguards).

5) Retention

We retain personal data only as long as necessary for the purposes described, including:

  • Active applications and related communications
  • Compliance with legal, accounting, and reporting obligations
  • Dispute resolution and fraud prevention

When no longer needed, we securely delete or anonymize data.

6) Marketing

If you opt in, we may send you marketing communications about financing options and related services. You can withdraw consent or unsubscribe at any time via the link in our emails or by contacting [email protected].

7) Your rights (PDPA – Singapore)

Subject to exceptions under law, you may:

  • Request access to your personal data
  • Request correction of inaccurate or incomplete data
  • Withdraw consent to the collection, use, and disclosure of your personal data (this may affect our ability to provide services)

To exercise these rights, contact [email protected]. We may need to verify your identity and/or request additional information to process your request.

8) Cookies & tracking

We use cookies, pixels, and similar technologies to:

  • Enable core site features (e.g., session management)
  • Analyze site usage and performance
  • Measure and improve advertising effectiveness (e.g., Meta Pixel)

You can manage cookies through your browser settings. Blocking some cookies may impact site functionality. Where required, we will present a consent banner and honor your choices.

9) Security

We implement reasonable technical and organizational measures designed to protect personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure.

10) Children

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from children.

11) Third-party links

Our site may link to third-party websites. We are not responsible for their privacy practices. Please review their policies.

12) Changes to this Policy

We may update this Privacy Policy from time to time. The “Effective date” will be revised accordingly. Material changes will be highlighted on this page.

13) Contact us

Questions or requests regarding this Privacy Policy or your personal data: