Identification Information

We may collect some or all of your personal background information, such as your name, date of birth, title, gender, mailing address, phone number, email address, nationality, occupation, and social security number or other tax identification number.

To comply with applicable laws and regulations (including anti-money laundering and counter-terrorism financing laws (AML/ CTF Laws), we may collect identity verification information such as copies of your government-issued identification (including passport, driver’s license, social security card, government health benefits card or national ID card) or other authentication information, all of which may include photographs of you.

We do not direct our Services or products at children under the age of 18. We do not knowingly collect or maintain information from our retail, website, or mobile apps from persons under the age of 18.

Financial Information

In order to comply with AML/ CTF Laws, assess creditworthiness, and process payments and transactions we may collect financial information such as bank account details (account number, bank monthly statement), credit or debit card numbers, credit information or reports, or tax information.

Transaction Information

When you book transactions with us, we may collect information about the parties to the transaction, the source of the funds, the reason for the transaction, and the devices and payment methods used to complete transactions. If you choose to pay someone else, we will ask you for the designated recipient’s name, mailing address, email address and bank account information. This is necessary for us to make a payment to them and you confirm that you know they agree or that you are otherwise allowed to give us this information and will inform them of the contents of this Policy.

Business Information

If you are using our services on behalf of a business entity, we may collect information about the business including the organizational structure of the company and individuals involved in the business. We also may collect entity formation documents or other corporate records. KHG is required under AML/ CTF Laws to collect the Personal Information of individuals who ultimately own or control corporate clients, directly or indirectly (Beneficial Owners). Such information may include the Beneficial Owner’s name, date of birth, title, gender, mailing address, phone number, email address, nationality, occupation, and social security number or other tax identification number. You confirm that you know the Beneficial Owners agree or that you are otherwise allowed to give us this information and will inform the Beneficial Owners of the contents of this Policy.

Consent and rights

By using our service, making an application or visiting our website, you consent to the collection and use of your information and other activities as outlined in this policy.

Individuals have the right:

• to check whether we hold personal data about you and to access such data;
• to require us to correct as soon as reasonably practicable any data relating to you which is inaccurate;
• to ascertain our policies and practices in relation to personal data and the kind of personal data held by us; and
• to object to the use of your personal data for marketing purposes and we shall not use your personal data for marketing purposes after you communicate your objection to us.

You may exercise your opt-out right by notifying us if you wish to object to the use of your personal data for direct marketing purposes. Please send requests for such objections, access to data, and correction of data, information regarding policies and practices and kinds of data held, questions or complaints to info@khg.sg

Governing law and jurisdiction

This Privacy Policy shall be governed by the laws of Singapore. You agree to submit to the exclusive jurisdiction of the Singapore courts.

Third party websites

Our website may contain links to other sites, we are not responsible for the privacy policies or practices of such other Linked Sites. We encourage our users to be aware when leaving our website to read the privacy policies or statements of each Linked Site that collects your personal data. You agree to waive any claim against us with respect to the Linked Sites.

Retention of personal information

Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected, or to resolve any query you may raise. We subscribe to data minimization principles and strive to retain information for no longer than necessary for the purpose(s) for which it was obtained.