Private Policy

Effective Date: 20th Dec 2018

Last update: 30th Sep 2021

This Privacy Policy (“Policy”) describes how DIGICRO PTE LTD and its subsidiary SPEAN LUY Co., Ltd collects, aggregates, and uses the information provided and obtained through the mobile application Spean Loan (“Spean”).

What Information Spean collects

We may collect information about you which includes but not limited to:

  • Basic identifying information (for example, your name, address, email, telephone number, and date of birth)
  • Employment information
  • Information about your physical location
  • Details of your purchases, content you viewed
  • Contact and call history
  • Bank account details
  • National ID number
  • Any other personal information that you provide.

Why We collect Information

We use personal information for the following purposes, including but not limited to:

  • To process your transactions for both loan and purchase;
  • To verify your identity;
  • To disburse loans and collect payments for your use of the Service;
  • To build the credit models and perform credit scoring;
  • To analyse customer behavior;
  • To allow our partners to fulfill their obligations to you;
  • To allow us to fulfill our obligations to our partners;
  • To troubleshoot problems with the Service;
  • To comply with applicable laws, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements;
  • To detect and prevent fraud and other illegal uses of the Service;
  • To send you promotion, update and news and
  • To call or contact you for the purposes stated in this Privacy Policy.

By using our Services, you agree we may, as necessary and appropriate for the Purposes, share any Customer Information to the following;

  • Any corporate family, affiliate or partners of DIGICRO including its subsidiary Spean Luy Co., Ltd
  • In connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation;
  • If we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person;
  • If we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law; and
  • With any other third parties with your consent or for our legitimate business purposes.


The security of your personal information is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your personal information. However, no method of transmission over the Internet or electronic storage technology is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.


The effective date of this Policy is the date provided above. Any updates or changes to the Policy will be posted on this Website with the new effective date of changes. Please check this Policy each time you use our Website to ensure you are aware of any changes in our practices. Your continued use of this Website constitutes your acceptance of any changes to this Policy. Any questions, comments, and requests regarding this Privacy Policy are welcomed and should be sent to  or call 096 900 92 66