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FORCE7 – Kollector APP
User Level Consent Agreement (ULCA)
User Level Consent Agreement (ULCA)
Effective Date: 01 October 2025 | Last Updated: 25 June 2026
Effective Date: 01 October 2025 | Last Updated: 25 June 2026
IMPORTANT CONSENT NOTICE
IMPORTANT CONSENT NOTICE
BY ACCESSING OR USING KOLLECTOR, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS USER LEVEL CONSENT AGREEMENT AND THE FORCE7_KOLLECTOR_PRIVACY POLICY.
BY ACCESSING OR USING KOLLECTOR, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS USER LEVEL CONSENT AGREEMENT AND THE FORCE7_KOLLECTOR_PRIVACY POLICY.
This User Level Consent Agreement ("Agreement") governs the collection, use, disclosure, and processing of personal data by Force7 Labs Pte Ltd ("Force7", "we", "us", or "our") through its application, Kollector (Collector Application).
This User Level Consent Agreement ("Agreement") governs the collection, use, disclosure, and processing of personal data by Force7 Labs Pte Ltd ("Force7", "we", "us", or "our") through its application, Kollector (Collector Application).
This Agreement applies to:
This Agreement applies to:
•
Personal Data provided by you as a Debt Collector ("Your Data")
Personal Data provided by you as a Debt Collector ("Your Data")
•
Personal Data provided by you about loan accounts, customers, or other third parties ("Third-Party Data")
Personal Data provided by you about loan accounts, customers, or other third parties ("Third-Party Data")
By accessing or using the application, you ("User", "you", or "your") acknowledge that you have read, understood, and agree to the terms of this Agreement and the Force7_Kollector_Privacy Policy.
By accessing or using the application, you ("User", "you", or "your") acknowledge that you have read, understood, and agree to the terms of this Agreement and the Force7_Kollector_Privacy Policy.
1. DEFINITIONS
1. DEFINITIONS
1.1 "Collector" means you, the individual using Kollector mobile application to manage Debt collection activities.
1.1 "Collector" means you, the individual using Kollector mobile application to manage Debt collection activities.
1.2 "Customer" means an individual whose personal and loan data you enter into Kollector in connection with your debt collection activities.
1.2 "Customer" means an individual whose personal and loan data you enter into Kollector in connection with your debt collection activities.
1.3 "Your Employer" means the organization that has authorized your use of Kollector, which may be a company that employs you or engages you as a contractor or agent.
1.3 "Your Employer" means the organization that has authorized your use of Kollector, which may be a company that employs you or engages you as a contractor or agent.
2. PURPOSE OF DATA COLLECTION
2. PURPOSE OF DATA COLLECTION
We collect and process personal data for the following purposes:
We collect and process personal data for the following purposes:
2.1 For Collector (Your Data)
2.1 For Collector (Your Data)
•
Verifying your identity and managing your account
Verifying your identity and managing your account
•
Monitoring app usage, activity logs, and daily "To-Do" lists
Monitoring app usage, activity logs, and daily "To-Do" lists
•
Capturing and managing collection activities
Capturing and managing collection activities
•
Facilitating communications related to your role as a collector
Facilitating communications related to your role as a collector
•
Performance analytics and business management
Performance analytics and business management
•
Providing technical support and troubleshooting
Providing technical support and troubleshooting
•
Ensuring security and preventing unauthorized access
Ensuring security and preventing unauthorized access
2.2 For Customers (Third-Party Data)
2.2 For Customers (Third-Party Data)
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Capturing and managing customer loan and personal data
Capturing and managing customer loan and personal data
•
Customer engagement and follow-ups
Customer engagement and follow-ups
•
Customer analytics and profiling
Customer analytics and profiling
•
Facilitating collections, payment recording and repossession (where applicable)
Facilitating collections, payment recording and repossession (where applicable)
3. TYPES OF PERSONAL DATA COLLECTED
3. TYPES OF PERSONAL DATA COLLECTED
Depending on the application and usage, we may collect:
Depending on the application and usage, we may collect:
3.1 Collector Personal Data
3.1 Collector Personal Data
•
Name, mobile number, email address
Name, mobile number, email address
•
Account credentials and login history
Account credentials and login history
•
Device information (IP address, device type, operating system) & geolocation
Device information (IP address, device type, operating system) & geolocation
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Employee ID or agent identifier (where applicable)
Employee ID or agent identifier (where applicable)
•
Activity logs and usage analytics
Activity logs and usage analytics
•
Communications with Force7 support
Communications with Force7 support
3. Customer Personal Data
3. Customer Personal Data
•
Name, mobile number, email address
Name, mobile number, email address
•
Address and demographic information
Address and demographic information
•
Customers’ Loan related details and payment data
Customers’ Loan related details and payment data
•
Name, mobile number, address of Customers’ kith and kin (where required)
Name, mobile number, address of Customers’ kith and kin (where required)
•
Communication history
Communication history
•
Any other business-related information you choose to enter
Any other business-related information you choose to enter
4. CONSENT FOR DATA PROCESSING
4. CONSENT FOR DATA PROCESSING
By proceeding, you acknowledge and agree to the processing of personal data as described in this Agreement.
By proceeding, you acknowledge and agree to the processing of personal data as described in this Agreement.
4.1 Legal Bases for Processing
4.1 Legal Bases for Processing
Force7 processes your personal data on the following bases under the Singapore Personal Data Protection Act (PDPA):
Force7 processes your personal data on the following bases under the Singapore Personal Data Protection Act (PDPA):
•
Contractual Necessity: Processing necessary for the performance of our agreement with you or Your Employer to provide the Services.
Contractual Necessity: Processing necessary for the performance of our agreement with you or Your Employer to provide the Services.
•
Consent: Processing for purposes where you have provided explicit consent (such as marketing).
Consent: Processing for purposes where you have provided explicit consent (such as marketing).
•
Legitimate Interests: Processing necessary for Force7's legitimate business interests, such as security, analytics, and service improvement, provided such interests do not override your data protection rights.
Legitimate Interests: Processing necessary for Force7's legitimate business interests, such as security, analytics, and service improvement, provided such interests do not override your data protection rights.
•
Legal Obligation: Processing necessary for compliance with applicable laws.
Legal Obligation: Processing necessary for compliance with applicable laws.
4.2 Core Processing (Required for Service)
4.2 Core Processing (Required for Service)
The following processing is necessary to provide Kollector to you and may be based on contractual necessity or legitimate interests. If you do not agree to this processing, you may not be able to use Kollector:
The following processing is necessary to provide Kollector to you and may be based on contractual necessity or legitimate interests. If you do not agree to this processing, you may not be able to use Kollector:
•
Collection and use of your account and usage data for service delivery
Collection and use of your account and usage data for service delivery
•
Collection and use of customer data for debt collection purposes
Collection and use of customer data for debt collection purposes
•
Storage and processing within Force7 systems
Storage and processing within Force7 systems
•
Monitoring of app usage for security and compliance
Monitoring of app usage for security and compliance
4.3 Optional Consents (Separate Consent Required)
4.3 Optional Consents (Separate Consent Required)
You may choose to provide or withhold consent for the following. These are collected via separate checkboxes during account creation or within app settings:
You may choose to provide or withhold consent for the following. These are collected via separate checkboxes during account creation or within app settings:
You may withdraw optional consents at any time as set forth in Section 9.
You may withdraw optional consents at any time as set forth in Section 9.
•
Receiving marketing communications (SMS, WhatsApp, email)
Receiving marketing communications (SMS, WhatsApp, email)
•
Sharing your data with financing institutions or partners
Sharing your data with financing institutions or partners
•
Use of your data for product improvement and research analytics
Use of your data for product improvement and research analytics
5. THIRD-PARTY DATA DECLARATION
5. THIRD-PARTY DATA DECLARATION
5.1 If you provide personal data of another individual (e.g., loan account information, customers, next-of-kin, or references) through Kollector:
5.1 If you provide personal data of another individual (e.g., loan account information, customers, next-of-kin, or references) through Kollector:
You represent and warrant that:
You represent and warrant that:
•
You have obtained all necessary consents from such individuals for the collection, use, and disclosure of their personal data by Force7 for the purposes set out in this Agreement
You have obtained all necessary consents from such individuals for the collection, use, and disclosure of their personal data by Force7 for the purposes set out in this Agreement
•
You have informed such individuals of the contents of this Agreement and the Privacy Policy, or you will do so prior to providing their data
You have informed such individuals of the contents of this Agreement and the Privacy Policy, or you will do so prior to providing their data
•
You have the lawful authority to provide such data to Force7
You have the lawful authority to provide such data to Force7
5.2 You agree to indemnify and hold Force7 harmless against any claims, losses, liabilities, damages, costs, and expenses arising from your failure to obtain necessary consents or otherwise comply with this Section 5.
5.2 You agree to indemnify and hold Force7 harmless against any claims, losses, liabilities, damages, costs, and expenses arising from your failure to obtain necessary consents or otherwise comply with this Section 5.
6. DISCLOSURE OF PERSONAL DATA
6. DISCLOSURE OF PERSONAL DATA
Your personal data may be disclosed to:
Your personal data may be disclosed to:
Force7 does not sell your personal data to third parties.
Force7 does not sell your personal data to third parties.
•
Your Employer (as defined in Section 1.3)
Your Employer (as defined in Section 1.3)
•
Your Employer's affiliates, business partners, and service providers (where applicable and necessary for the purposes set out in this Agreement)
Your Employer's affiliates, business partners, and service providers (where applicable and necessary for the purposes set out in this Agreement)
•
Financial institutions and financing partners (where applicable and with your consent)
Financial institutions and financing partners (where applicable and with your consent)
•
Technology and cloud service providers who assist in operating Kollector
Technology and cloud service providers who assist in operating Kollector
•
Regulatory or government authorities (if required by law)
Regulatory or government authorities (if required by law)
7. CROSS-BORDER DATA TRANSFER
7. CROSS-BORDER DATA TRANSFER
As part of our operations, your personal data may be transferred to jurisdictions outside Singapore.
As part of our operations, your personal data may be transferred to jurisdictions outside Singapore.
Force7 ensures that such transfers comply with applicable data protection laws and that comparable levels of data protection are maintained, including by entering into appropriate data transfer agreements with recipients where required.
Force7 ensures that such transfers comply with applicable data protection laws and that comparable levels of data protection are maintained, including by entering into appropriate data transfer agreements with recipients where required.
8. DATA RETENTION
8. DATA RETENTION
Your personal data will be retained only for as long as necessary:
Your personal data will be retained only for as long as necessary:
Upon termination of your account, you may request export of your data by contacting us at admin@force7.ai
Upon termination of your account, you may request export of your data by contacting us at admin@force7.ai
•
To fulfil the purposes stated in this Agreement
To fulfil the purposes stated in this Agreement
•
To comply with legal, regulatory, and business requirements
To comply with legal, regulatory, and business requirements
•
For the duration of your account and for a reasonable period thereafter as set forth in the Privacy Policy
For the duration of your account and for a reasonable period thereafter as set forth in the Privacy Policy
9. DATA SECURITY
9. DATA SECURITY
We implement appropriate technical and organisational measures to safeguard your personal data, including:
We implement appropriate technical and organisational measures to safeguard your personal data, including:
•
Encryption and secure storage
Encryption and secure storage
•
Access controls and authentication
Access controls and authentication
•
Monitoring and audit mechanisms
Monitoring and audit mechanisms
•
Regular security assessments
Regular security assessments
10. WITHDRAWAL OF CONSENT
10. WITHDRAWAL OF CONSENT
10.1 You may withdraw your optional consents (marketing communications, financing partner sharing, and analytics) at any time by:
10.1 You may withdraw your optional consents (marketing communications, financing partner sharing, and analytics) at any time by:
•
Adjusting your preferences within the app
Adjusting your preferences within the app
•
Contacting us at admin@force7.ai
Contacting us at admin@force7.ai
10.2 Withdrawal of core processing (Section 4.2) will result in your inability to use Kollector, as such processing is necessary for the service. Upon withdrawal, we will cease providing the Services and delete your account in accordance with the Privacy Policy.
10.2 Withdrawal of core processing (Section 4.2) will result in your inability to use Kollector, as such processing is necessary for the service. Upon withdrawal, we will cease providing the Services and delete your account in accordance with the Privacy Policy.
10.3 Withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.
10.3 Withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.
11. ACCESS AND CORRECTION
11. ACCESS AND CORRECTION
You have the right to:
You have the right to:
Requests can be made via admin@force7.ai
Requests can be made via admin@force7.ai
Force7 will respond to such requests within a reasonable timeframe and in accordance with PDPA requirements.
Force7 will respond to such requests within a reasonable timeframe and in accordance with PDPA requirements.
•
Request access to your personal data
Request access to your personal data
•
Request correction of inaccurate or incomplete data
Request correction of inaccurate or incomplete data
12. COOKIES, SDKs, AND DEVICE PERMISSIONS
12. COOKIES, SDKs, AND DEVICE PERMISSIONS
12.1 Our application may use cookies, SDKs (software development kits), and similar technologies to:
12.1 Our application may use cookies, SDKs (software development kits), and similar technologies to:
•
Improve user experience
Improve user experience
•
Analyze usage patterns
Analyze usage patterns
•
Enable certain functionalities
Enable certain functionalities
•
Collect crash logs and performance data
Collect crash logs and performance data
12.2 Kollector may request certain device permissions (such as camera, geolocation, contacts, or notifications) to enable specific features. You may control these permissions through your device settings.
12.2 Kollector may request certain device permissions (such as camera, geolocation, contacts, or notifications) to enable specific features. You may control these permissions through your device settings.
13. YOUR RESPONSIBILITIES
13. YOUR RESPONSIBILITIES
13.1 You are responsible for:
13.1 You are responsible for:
•
Maintaining the confidentiality of your account credentials
Maintaining the confidentiality of your account credentials
•
Ensuring the accuracy of personal data you provide
Ensuring the accuracy of personal data you provide
•
Obtaining all necessary consents before providing Third-Party Data
Obtaining all necessary consents before providing Third-Party Data
13.2 You must immediately notify Force7 of:
13.2 You must immediately notify Force7 of:
•
Any unauthorized access to your account
Any unauthorized access to your account
•
Any actual or suspected data breach involving personal data you have provided
Any actual or suspected data breach involving personal data you have provided
14. UPDATES TO THIS AGREEMENT
14. UPDATES TO THIS AGREEMENT
Force7 may update this Agreement from time to time. Material changes will be notified to you through the application or by email at least [14] days in advance, where practicable. Continued use of Kollector after the effective date of such changes constitutes acceptance of the updated Agreement.
Force7 may update this Agreement from time to time. Material changes will be notified to you through the application or by email at least [14] days in advance, where practicable. Continued use of Kollector after the effective date of such changes constitutes acceptance of the updated Agreement.
15. GOVERNING LAW
15. GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of Singapore.
This Agreement shall be governed by and construed in accordance with the laws of Singapore.
16. CONTACT INFORMATION
16. CONTACT INFORMATION
For any questions regarding this Agreement or your personal data:
For any questions regarding this Agreement or your personal data:
Force7 Labs Pte Ltd
Force7 Labs Pte Ltd
20A Tanjong Pagar Road, Singapore 088443
20A Tanjong Pagar Road, Singapore 088443
admin@force7.ai