Privacy Policy

When you visit our website, we process your Personal Data. MTR Labs Pte. Ltd. takes the privacy of your information seriously. This Privacy Policy governs the manner in which MTR Labs Pte. Ltd. and its affiliates (hereinafter “the Company”, "we", "us" or "our") collect, use, disclose and/or process your Personal Data. By accessing and using the website and any services available at https://metarisk.com/, you are consenting to the information collection, use and disclosure and/or processing practices of the Company as described in this Privacy Policy.

This Privacy Policy does not affect any rights which we may have at law in connection with the collection, use, disclosure and/or processing of your Personal Data.

  1. Personal Data

    1. In this Privacy Policy, "Personal Data" means information which identifies you personally or by which your identity can reasonably be ascertained. This may include but is not limited to name, address, e-mail address, phone number, date of birth, photographic identification, government issued identification and other contact details, account credentials, payment information, transaction history, log data, usage data, device information, cookies, analytics, etc.

  2. Purposes for the Collection, Use and Disclosure of Personal Data

    1. In general, we collect, use, disclose and/or process your Personal Data for the following purposes:

      1. Verify your identity.

      2. Provide our services to you.

      3. Advertise and inform you about our products and services.

      4. Develop, enhance, market and deliver products and services to you.

      5. Build, train, and/or improve the accuracy of our automated processes such as, but not limited to, artificial intelligence, product recommendations, tailored experiences, tailored advertising, fraud detection, troubleshooting, security, and improving products and services.

      6. Understand your needs and your eligibility for our products and services.

      7. Provide information to you about developments and new products, including changes and enhancements to our website.

      8. Process billing and collection of any fees.

      9. Conduct surveys and get feedback from you.

      10. Establish and maintain a commercial relationship with you.'

      11. Provide you with news and other matters of general interest to you as customer or visitor to our website.

      12. Meet the Company’s legal and regulatory requirements.

      13. To prevent fraud, criminal activity, or misuses of our services, and to ensure the security of our IT system, architecture, and network.

    2. In addition, we collect, use, disclose and/or process your Personal Data if you submit an application to us as a candidate for an employment or contractor position.

  3. Disclosure of Personal Data

    1. The Company may make available the Personal Data that you provide to us to our affiliates, advisers, agents, representatives, corporate partners, service providers and contractors for the purposes described in paragraph 2 above.

    2. We also reserve the right to disclose Personal Data that the Company believes, in good faith, is appropriate or necessary to enforce our Terms of Use, take precautions against liability or harm, to investigate and respond to third party claims or allegations, to respond to a court order or official requests, to protect security or integrity of the Company and to protect the rights, property or safety of the Company, our users or others.

    3. The Company reserves the right to share certain Personal Data in order to meet our regulatory and statutory requirements.

    4. Personal Data and other related data may be exported outside of the jurisdiction in which you reside.

    5. In the event that the Company is involved in a merger, acquisition, sale, bankruptcy, insolvency, reorganization, receivership, assignment or the application of laws or change of control, there may be a disclosure of your Personal Data to another entity related to such an event.

  4. Withdrawing Your Consent

    1. The consent that you provide for the collection, use, disclosure and/or processing of your Personal Data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent and request us to stop collecting, using, disclosing and/or processing your Personal Data for any or all of the purposes listed above by submitting your request in writing or via email to us using the contact details set out at paragraph 11 below.

    2. Upon receipt of your written request to withdraw your consent, we may require reasonable time for your request to be processed and for us to notify you of the consequences of us acceding to the same. In general, we will seek to process your request within 10 business days of receiving it.

  5. Access to and Correction of Personal Data

    1. You have the right to access your Personal Data that we hold, and to require the correction, updating and blocking of inaccurate and/or incorrect data by sending an email to us. In general, we will seek to process your request within 10 business days of receiving it. Depending on the nature of your request, there may be a minimal charge for accessing your Personal Data.

  6. Accuracy of Personal Data

    1. We generally rely on Personal Data provided by you (or your authorised representative). In order to ensure that your Personal Data is current, complete and accurate, please update us if there are changes to your Personal Data in writing or via email to us using the contact details set out at paragraph 11 below.

  7. Use of Cookies

    1. When you access our website and/or services, we or our authorised service providers may use cookies, web beacons, and other similar technologies for collecting and storing information to enhance your user experience.

    2. The information collected by us or our authorised service providers may recognise a visitor as a unique visitor and may collect information such as how a visitor arrives at our websites, a visitor's IP address, what kind of web browser a visitor is on, what operating system a visitor is using, the domain name of a visitor's internet service providers, data on the number of visitors visiting our websites and a visitor's click stream information and time stamp (for example, which pages or articles they have visited and the length of visit).

    3. The use of cookies, web beacons and similar technologies by us on our website has different functions. They are either necessary for the functioning of our services, help us improve our performance, or serve to provide you with extra functionalities. They may also be used to deliver content that is more relevant to you and your interests, or to target advertising to you on or off our sites.

    4. Cookies – Cookies are small text files (typically made up of letters and numbers) placed in the memory of your browser or device when you visit a website or view a message. Cookies allow a website to recognise a particular device or browser. There are several types of cookies:

      1. Session cookies expire at the end of your browser session and allow us to link your actions during that particular browser session.

      2. Persistent cookies are stored on your device in between browser sessions, allowing us to remember your preferences or actions across multiple sites.

      3. First-party cookies are set by the site you are visiting.

      4. Third-party cookies are set by a third party site separate from the site you are visiting.

    5. Web beacons – Small graphic images (also known as "pixel tags" or "clear GIFs") may be included on our sites and services. Web beacons typically work in conjunction with cookies to profile each unique user and user behaviour.

    6. Similar technologies – Technologies that store information in your browser or device utilising local shared objects or local storage, such as flash cookies, HTML 5 cookies, and other web application software methods. These technologies can operate across all of your browsers. We may use the terms "cookies" or "similar technologies" interchangeably in our policies to refer to all technologies that we may use to collect or store information in your browser or device or that collect information or assist in identifying you as a unique user in the manner described above.

  8. Protection of Personal Data

    1. We adopt appropriate data collection, storage and processing practices and security measures to protect your Personal Data.

    2. However, no method of transmission over the Internet or method of electronic storage is completely secure. You agree to transmit Personal Data at your own risk. There are protective measures that you should take which include but are not limited to changing password regularly.

  9. Retention of Personal Data

    1. We may retain your Personal Data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.

    2. We will cease to retain your Personal Data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the Personal Data was collected, and is no longer necessary for legal or business purposes.

  10. Third Party Sites

    1. Our website may from time to time contain links to third party websites or services that are not owned or controlled by the Company ("Third Party Sites"). We are not responsible or liable for any Third Party Sites, including, without limitation, their content, policies, failures, promotions, products, services or actions and/or any damages, losses, failures or problems caused by, related to or arising from those sites. It is your responsibility to read all such terms and conditions, including privacy policies, of any Third Party Sites that you visit.

  11. Contacting Us

    1. If you have any questions or requests regarding our Privacy Policy, please refer to our contacts list on https://metarisk.com/.

  12. Effect of Notice and Changes to Notice

    1. We have the discretion to update this Privacy Policy at any time without prior notice. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications. Your continued use of the Services constitutes your acknowledgement and acceptance of such changes.

  13. Governing Law and Jurisdiction

    1. You agree that the laws of Singapore, without regard to principles of conflict of laws, govern the Terms and any Dispute between you and us. Any claim or controversy arising out of or relating to this Privacy Policy shall be referred to the courts of Singapore which shall have exclusive jurisdiction.

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