Privacy Policy

1. Collection of your personal data

Generally, we may collect, use, disclose and / or retain Personal Data for the following purposes:

(a) to operate the website and provide customers with services.
(b) To process, and where necessary, respond to your application, enquiry or request.
(c) to assist customers with enquiries.
(d) to provide employees with training.
(e) to improve customer services, such as resolving complaints and handling requests and enquiries.
(f) to conduct research, surveys and interviews.
(g) to comply with applicable laws and regulations.

2. Purposes for the collection, use and disclosure of your personal data

Personal Data may be disclosed to the following group of external organisation for purposes mentioned above, subjected to the requirements of applicable laws:

(a) external banks, financial institutions, credit card companies and their respective service providers.
(b) our professional advisers such as our auditors.
(c) relevant government regulators, statutory boards or authorities or law enforcement agencies to comply with any laws, rules, guidelines and regulations or schemes imposed by any government authority.
(d) third party reward, loyalty, privileges and co-branded programme providers.
(e) business partners that provides any membership services and benefits.
(f) any other person in connection with the purposes set forth above.

3. Use of Cookies

(a) We may collect or analyse anonymised information from which individuals cannot be identified (“Aggregate Information”), such as number of users and their frequency of use, the number of page views (or page impressions) that occur on our websites and common entry and exit points into our websites.
(b) We make use of “cookies” to store and track Aggregate Information when our website(s) is accessed. Such cookies are used to track information such as the number of users and their frequency of use, profiles of users and their online preferences.
(c) Such aggregate Information collected may be used to assist us in analysing the usage of our website(s) so as to improve online experience with us.
(d) Cookies may be disabled by changing the setting on the browser. However, please note that this may affect the functionality of the website(s).

4. Third Party Sites

(a) Our website(s) may contain links to other websites operated by third parties independent of the Organisation. We are not responsible for the privacy practices of such website(s) operated by third parties even though it is linked to our website(s).
(b) Users of our websites are encouraged to learn about the privacy policies of such third party website(s) by checking the policy of each site visited and contact its owner or operator if there are any concerns or questions.

5. Protection of your personal data

We maintain appropriate security safeguards and practices to protect all Personal Data from unauthorised access, collection, use, disclosure, copying, modification disposal or similar risks, in accordance with applicable laws.

Totm Technologies Limited does not sell, rent, lease, or release your Personal Information to third parties. Totm Technologies Limited may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique Personal Information is not transferred to the third party without your explicit consent. In addition, Totm Technologies Limited may share data with trusted partners to help us perform statistical analysis, send you email or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Totm Technologies Limited, and they are required to maintain the confidentiality of your Personal Information.

6. Accuracy of your personal data

(a) We take all reasonable measures to ensure that all Personal Data remains .accurate, complete and up-to-date.
(b) Individuals may also keep us informed when there are any updates to their Personal Data by contacting us directly.

7. Withdrawal of consent

(a) Should any individual wishes to withdraw his / her consent to any use or disclosure of his / her Personal Data as set out in this Personal Data Protection Policy, he / she may contact us via
(b) Please note that as a result of such withdrawal of consent to any or all use or disclosure of Personal Data, depending on the nature of the request, we may no longer be in a position to continue to provide services (if applicable) to the individual.

8. Access and correction of your personal data

(a) Request access to or make corrections to Personal Data records are allowed, but the Company has the right to charge a reasonable fee for processing such request.
(b) Requests are to be submitted to us through the following platforms:

Write to our Data Protection Office:

9. Retention limitation

The Company shall cease retention of personal data or remove tl1e means by which the personal data can be associated with particular individuals when it is no longer necessary for any business or legal purposes.

10. Contacting Us

For any questions or complaints relating to the use or disclosure of Personal Data, or if an individual wishes to know more about our data protection policies and practices, please contact our Data Protection Officer via email at