Clear Consultancy Pte Ltd, trading as Debt Clear (“we,” “our,” “us”), is committed to protecting your personal data in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA). This Privacy Policy explains what personal data we collect, why we collect it, how we use and protect it, and what rights you have over it.
Because our application form asks about sensitive matters including bankruptcy history, legal action taken against you, and your finances — we want to be especially clear about how this information is handled.
Identity and contact information:
Name (as per NRIC)
Email address
WhatsApp / phone number
Financial and debt information:
Employment status and industry
Monthly salary (after CPF)
Types of debt you’re carrying, and which banks, organisations, or individuals you owe
Total amount owing
Monthly amount currently being paid toward debts
Legal and bankruptcy history:
Whether you’ve been declared bankrupt or placed on DRS in the past 5 years
Whether you’ve received legal letters (such as a Letter of Demand, Writ of Summons, or Writ of Seizure and Sale)
Whether you’ve taken up any new loans or credit facilities in the past 12 months
Other information you choose to share:
A description of your current situation
Any additional message or context you provide
How you found out about us
If you book a home visit or a meeting at a location of your choice:
The address of that location
We do not collect payment card numbers or bank account details through our website or application form.
We collect personal data when you:
Fill in our application form
Contact us by WhatsApp, phone, or email
Speak with one of our advisors during a consultation, whether by video call, phone, or in person
We use your personal data only for the following purposes:
To understand your situation and assess which options may realistically be available to you
To contact you and schedule a consultation
To prepare our advisors ahead of speaking with you
To provide advice and, where you choose to engage us, to assist with next steps such as a DRS application
To improve our services and understand how people find us
We do not use your data for purposes unrelated to these, and we do not sell your personal data to anyone.
By submitting our application form, you consent to us collecting, using, and disclosing your personal data as described in this policy. Where we ask sensitive questions,such as about bankruptcy or legal proceedings, providing this information is voluntary, but it helps us give you accurate advice. If you choose not to answer certain questions, we may not be able to fully assess your situation.
You may withdraw your consent at any time. See Section 9 for how.
We do not sell or rent your personal data. We only share it in these circumstances:
Within our team: Case Managers handling your case have access to your information on a need to know basis.
With your explicit consent: For example, if we refer you to Credit Counselling Singapore (CCS) or another organisation because DRS isn’t the right fit, we will only share what’s needed for that referral, and only with your agreement.
As part of a scheme application: If you choose to proceed with a DRS or related application, relevant information will necessarily be shared with the appropriate authority (such as the Official Assignee) as part of that process.
Service providers: We use third party platforms such as WhatsApp and Google Meet to communicate with you. These platforms have their own privacy policies, which govern how they handle data passing through their systems.
Where required by law: Such as in response to a valid court order or regulatory request.
We store your personal data securely and limit access to staff who need it to do their jobs. We take reasonable technical and organisational steps to protect your data against unauthorised access, loss, or disclosure. That said, no method of digital storage or transmission is completely secure, and we cannot guarantee absolute security.
If you meet with us in person, any documents or notes taken during that meeting are handled with the same level of care as digital records.
We keep your personal data only for as long as necessary to fulfil the purposes described in Section 4, or as required by law. If you do not proceed with our services after an initial enquiry, we will retain your information for [Insert retention period, e.g., 12 months] before securely deleting or anonymising it, unless you ask us to delete it sooner.
You have the right to:
Access the personal data we hold about you
Correct any inaccurate or outdated personal data
Withdraw your consent for us to continue collecting, using, or contacting you
To exercise any of these rights, contact us using the details in Section 12. Please note that withdrawing consent may limit our ability to continue assisting you with your enquiry.
Our website may use cookies to help it function properly and to understand how visitors use our site. You can disable cookies in your browser settings, though some parts of the website may not work as intended if you do.
For any privacy related questions or to exercise your rights under the PDPA, please contact us:
Email: de*********@***il.com
We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. The “Last Updated” date at the top of this page shows the most recent revision. We encourage you to check back periodically.
