PRIVACY POLICY

CMJ Group Pte Ltd
(Operating as CMJ Asia)
Updated as of 25 February 2026

This Privacy Policy (“Policy”) sets out the basis on which CMJ Group Pte Ltd (“Company”, “CMJ”, “we”, “us”, or “our”) collects, uses, discloses, or otherwise processes personal data in accordance with the Personal Data Protection Act 2012 of Singapore (“PDPA”), including any amendments in force as of the above date.

This Policy applies to personal data in our possession or under our control, including personal data processed by third-party service providers engaged by us, and to information collected through:

• https://cmjasia.com
• Its sub-domains
• Mobile applications
• Digital platforms
• CRM systems
• AI automation systems
• Marketing funnels and online forms

1. PERSONAL DATA WE COLLECT

We may collect personal data that you voluntarily provide, including but not limited to:

• Full name
  • NRIC/FIN/Passport number (where legally required)
  • Contact information (email, phone number, address)
  • Nationality
  • Date of birth
  • Gender
  • Marital status
  • Employment details
  • Income information
  • Financial information (loan documents, bank details where required)
  • Property preferences and investment interests
  • Photographs, audio and video recordings
  • Social media handles (if voluntarily provided)
  • Any other information submitted via our website, landing pages, appointment bookings, consultations, CRM forms, AI systems, or communication channels

We do not intentionally collect more personal data than is necessary for the purposes stated in this Policy.

2. HOW WE COLLECT PERSONAL DATA

Personal data may be collected:

(a) Directly from you when you submit forms, enquiries, booking requests, AI qualification forms, or communicate with us;

(b) Through authorised representatives acting on your behalf;

(c) From third parties such as financial institutions, property developers, marketing partners, or referral partners (where permitted by law);

(d) Automatically via cookies, analytics tools, tracking technologies, and AI automation systems on our website and digital platforms.

3. PURPOSES OF COLLECTION, USE AND DISCLOSURE

We may collect, use, or disclose personal data for the following purposes:

• Providing property advisory, consultancy, digital transformation, AI services, and related services
  • Processing appointment bookings and consultations
  • Generating AI-powered reports and recommendations
  • Conducting buyer qualification assessments
  • Managing customer relationships via CRM systems
  • Processing payments and financial transactions
  • Sending marketing communications, newsletters, events, promotions (subject to consent)
  • Conducting analytics, research, and performance tracking
  • Improving our AI automation and digital services
  • Complying with legal, regulatory, or audit requirements
  • Assisting with financing or loan applications (where requested by you)
  • Any other purpose reasonably related to the above

We will seek consent where required under PDPA before collecting or using personal data for new purposes.

4. DISCLOSURE OF PERSONAL DATA

We may disclose your personal data to:

• Financial institutions or banks (upon your request for financing assistance)
  • Third-party service providers (IT vendors, cloud providers, CRM systems, marketing platforms)
  • Professional advisers (legal, accounting, compliance)
  • Government or regulatory authorities where required by law
  • Business partners engaged in providing services to you

All third parties are contractually required to protect personal data in accordance with PDPA standards.

5. AI SYSTEMS AND AUTOMATED PROCESSING

As part of our digital services, we may use AI systems, automation engines, CRM platforms, and analytics tools to:

• Generate property reports
  • Score and qualify leads
  • Automate communications
  • Analyse customer behaviour
  • Optimise marketing performance

Automated processes may assist in service recommendations but do not replace human decision-making in legally binding transactions.

6. COOKIES AND TRACKING TECHNOLOGIES

Our website uses cookies and tracking technologies to:

• Improve user experience
  • Measure website performance
  • Track marketing effectiveness
  • Support remarketing campaigns

Visitors may accept or decline non-essential cookies via cookie consent tools. Disabling cookies may affect certain functionalities of the website.

7. INTERNATIONAL DATA TRANSFERS

Where personal data is transferred outside Singapore (e.g., cloud hosting providers), we will ensure that recipients are bound by legally enforceable obligations to provide a standard of protection comparable to the PDPA.

8. DATA SECURITY

We implement reasonable security arrangements to protect personal data, including:

• Encrypted storage and transmission
  • Secure cloud hosting
  • Access control and role-based permissions
  • Regular security updates
  • Confidentiality obligations for staff and contractors

While we strive to protect personal data, no method of transmission over the Internet is completely secure.

9. DATA RETENTION

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected or as required by applicable laws.

10. ACCESS, CORRECTION AND WITHDRAWAL

You may:

• Request access to your personal data
  • Request correction of inaccurate data
  • Withdraw consent for future use

Requests should be made in writing to our Data Protection Officer (DPO).

We will respond within 30 days where reasonably possible.

11. DATA PROTECTION OFFICER

In accordance with the PDPA, CMJ Group Pte Ltd has appointed a Data Protection Officer.

Data Protection Officer
CMJ Group Pte Ltd
Email: dpo@cmjasia.com
Website: https://cmjasia.com

12. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. The revised version will be posted on our website with an updated effective date.

Your continued use of our website and services constitutes your acceptance of any changes.