NextNest's Commitment to Your Privacy
Last updated: 12 December 2025
This Personal Data Protection Policy ("Policy") explains how NextNest Pte. Ltd. ("NextNest", "we", "us", "our") collects, uses, discloses and protects personal data in the course of our business in Singapore.
We are committed to handling your personal data in accordance with the Singapore Personal Data Protection Act 2012 ("PDPA").
This Policy applies to personal data in our possession or under our control, including personal data held by organisations engaged by us to perform services on our behalf.
This Policy explains, in particular:
Where appropriate, this Policy should be read together with any consent forms, notices, or terms and conditions that apply to your relationship with us.
"Personal data" means data, whether true or not, about an individual who can be identified from that data, or from that data and other information to which we have or are likely to have access.
Depending on your relationship with us, the personal data we may collect includes, but is not limited to:
Name, NRIC/FIN/passport number, date of birth, nationality, gender, marital status
Mobile number, residential address, email address, preferred contact channel
Employment status, employer name, job title, income, bonuses, variable pay
Bank statements, payslips, tax statements (e.g. IRAS Notice of Assessment), CPF contribution history
Existing loan information (e.g. property loans, other borrowings), credit facilities
Property address, type of property, ownership details, purchase price, loan amount, tenure
Information on existing mortgages, refinancing details, repricing decisions
Intended purchase, sale or refinancing scenarios
Copies of identity documents, proof of address, legal/completion documents, option-to-purchase, tenancy agreements and other documents relevant to assessing or implementing your loan or property-related plans
IP address, browser type, device identifiers, pages viewed, time spent on pages, cookies and similar technologies where enabled
We generally do not collect sensitive personal data such as medical records or religion for our core services. If such data is provided to us incidentally (e.g. appear in documents you supply), we will treat it with the same care and only process it where reasonably necessary for the purposes described in this Policy or as required by law.
We collect personal data in various ways, including:
Important: Where you provide personal data of another individual to us (for example, a spouse, co-borrower, guarantor or family member), you are responsible for ensuring that the individual has been informed of this Policy and that you have obtained their consent to the collection, use and disclosure of their personal data for the purposes described.
We collect, use and disclose personal data primarily to support property financing and related services, including:
Informing you of relevant updates, market commentary, tools or events that may be of interest to you, where you have given your consent to receive such communications. You may opt out at any time (see Section 7 and 9).
Over time, NextNest may analyse patterns across different client cases to improve the clarity and quality of our advisory tools and scenario planning.
Where we do so, we use data in anonymised or aggregated form, such that individuals are not identifiable.
Examples include:
Commitment: We do not use anonymised patterns with the intention or effect of re-identifying individuals. Any use of data for such scenario intelligence remains subject to the PDPA's requirements on purpose limitation and protection.
In the course of assisting with your mortgage and property-related plans, it may be helpful for us to work with third parties, including banks, financial institutions, law firms and property agents.
We may disclose your personal data to banks, financial institutions or lenders where necessary to:
This is done only with your knowledge and for the purpose of your financing needs.
Where helpful, and with your knowledge, we may introduce you to partner real estate agents or other service providers to ensure your property and financing plans stay aligned (for example, in relation to sale and purchase timelines, completion structures and loan conditions). Such introductions are optional, and you are free to decline or work with your own chosen representatives.
NextNest may receive a referral fee for such connections. This does not affect the terms offered to you by the partner, and we will continue to act with the aim of supporting a coherent, well-coordinated property-and-financing journey.
We may also share personal data with third-party service providers (e.g. IT vendors, document storage providers, CRM and communication tools) who perform services for us. Such parties are generally subject to confidentiality obligations and may only use personal data for the purposes for which it is disclosed.
We do not sell your personal data to third parties.
By engaging NextNest, providing personal data to us, or continuing to interact with us, you are generally deemed to consent to our collection, use and disclosure of your personal data for the purposes described in this Policy and in any applicable consent forms.
You may withdraw your consent for our continued use or disclosure of your personal data by writing to our Data Protection Officer (see Section 10). Please indicate clearly:
After we receive your request, we will inform you of any likely consequences, which may include:
We will process your request within a reasonable time and will cease (or cause our data intermediaries to cease) collecting, using or disclosing your personal data for the stated purpose(s), except where retention is required or permitted by law, or where necessary to fulfil our ongoing obligations to you (for example, record-keeping for completed transactions).
We rely on you to provide complete, accurate and up-to-date information so that we can provide meaningful and appropriate scenarios and recommendations.
By providing personal data to us, you represent that the information is true, accurate and complete to the best of your knowledge, and you understand that inaccurate or incomplete information may affect your application outcome or the suitability of scenarios considered.
If your personal data changes (for example, change of contact number, income, employment, marital status or property plan), please notify us as soon as reasonably practicable so that we can update our records and, where necessary, refine our advice or assessments.
We take reasonable technical, administrative and physical measures to safeguard personal data in our possession or control against loss, misuse, unauthorised access, disclosure, alteration or destruction. These measures may include:
Important: No method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect personal data, we cannot guarantee absolute security.
We retain personal data for as long as is reasonably necessary to fulfil the purposes for which it was collected, and to satisfy legal, regulatory, accounting or business requirements.
The precise retention period may vary depending on:
When personal data is no longer required, we will take reasonable steps to dispose of or anonymise it in a secure manner.
You may request:
by contacting our Data Protection Officer (see Section 10).
To protect your privacy and security, we may need to verify your identity before processing such requests. We may charge a reasonable fee to cover the administrative costs of processing an access request, and will inform you of the fee before proceeding.
There are circumstances under the PDPA where we may be permitted or required to refuse access or correction (for example, where providing access would reveal personal data about another individual or confidential business information). If we are unable to fulfil your request in full, we will generally explain the reasons, to the extent we are permitted to do so.
Our websites and digital services may use cookies and similar technologies to:
You may choose to disable cookies in your browser settings. However, doing so may affect the availability or functionality of certain features.
Where cookies or other technologies collect data that can identify you, we will treat such data as personal data and handle it in accordance with this Policy.
Our websites or communications may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties.
If you visit those websites or use those services, you should review their privacy policies to understand how they process your personal data.
If you:
you may contact our Data Protection Officer (DPO) at:
Please include your full name and sufficient details of your query or request. We will aim to respond within a reasonable time.
We may update or amend this Policy from time to time to reflect:
Any updates will be posted on our website with a revised "Last updated" date. Where required by law, we will notify you of material changes and, where necessary, obtain your further consent.
Your continued use of our services, website or continued provision of personal data after such changes are made will constitute your acknowledgement and acceptance of the updated Policy.