II. How We Collect Your Personal Information

1. In order to provide you with the Mobile Banking Service and to ensure its security, you need to provide us with, or allow us to collect from you or (per your consent) a third party, necessary information for the purposes or service functions provided below.

Service functions	Purpose & Necessity	Information We Need to Collect
Signing up for a Mobile Banking App account	Verifying your identity and creating account information for you	Your ID number, a one-time dynamic verification code sent to your preset mobile number. If you use the facial recognition service, you will need to provide facial recognition information, but we will not retain your facial features and movements for our own sake. If you use the Bank’s debit card for verification, you will need to provide your DBS China debit card number and card PIN. If you use email code verification service, you will need to provide a one-time dynamic verification code sent to your preset email address at the Bank.
Logging in to Mobile Banking App account and retrieving username or login password	Verifying your identity for account security	Your username, your preset login password, a one-time dynamic verification code sent to your preset mobile phone. If you use the facial recognition service, you will need to provide facial recognition information, but we will not retain your facial features and movements for our own sake. If you use the Bank’s debit card for verification, you will need to provide your DBS China debit card number and card PIN. If you use email code verification service, you will need to provide a one-time dynamic verification code sent to your preset email address at the Bank.
Using the Mobile Banking Service and Mobile Banking App	Maintaining the normal and safe operation of the Mobile Banking Service and Mobile Banking App, and ensuring the security of transactions, preventing and controlling transactional risks	Your device model, device manufacturer, operating system, unique device identifier, software version number, carrier service provider, login IP address, MAC address, network connection method, logs related to application browsing, usage, clicks and operations, service log information. When such technical information cannot identify or connect to an individual, it is not considered personal information. When such information alone or in combination with other information can identify or connect to you personally or otherwise constitute personal information under the applicable laws and regulations, we will treat and protect such technical information as your personal information.

If you refuse to provide such information, you will not be able to complete your registration, log in or use the Mobile Banking Service or Mobile Banking App functions safely and properly.

2. You may choose to use the following mobile banking functions at your own discretion. To use the following functions, you need to provide us with, or allow us to collect from you or (per your consent) a third party, the relevant information.

Service functions	Purpose & Necessity	Information We Need to Collect
Initially setting or resetting your DBS China Mobile Banking Service transaction PIN	Verifying your identity for account and transaction security	One-time dynamic verification code sent to your preset mobile number. If you use the facial recognition service, you will need to provide facial recognition information, but we will not retain your facial features and movements for our own sake. If you use the Bank’s debit card for verification, you will need to provide your DBS China debit card number and card PIN. If you use email code verification service, you will need to provide a one-time dynamic verification code sent to your preset email address at the Bank.
Transaction/service verification	Verifying your transaction for transaction security	Based on your choice, we will collect your downloaded digital certificate, preset transaction password and/or the one-time dynamic verification code (on mobile phone) entered by you to verify the acceptance of transaction/service.
Money transfer function	Providing money transfer and remittance services and fulfilling legal obligations such as anti-money laundering and security management.	Domestic fund transfer and payee management: payee’s name, account opening bank information for the receiving account, receiving account number. Cross-border remittance and payee management: payee's name, account opening bank information for the receiving account, receiving account number, the country/area or address of the account opening bank for the receiving account, intermediary bank information
Fingerprint or face based biometric login functions	Verifying your identity	your fingerprint and/or facial biometric verification result generated from your mobile device The above information is only used for identification and login verification. For the purpose of this function, we will not collect your fingerprints and facial image information.
Appointment functions	Recording your appointment request and contacting you	Your name, mobile phone number, registered e-mail address (if applicable) When you make a appointment, the above information will be displayed for your confirmation based on your registered information.
Providing you with better services and enhancing service experience	Based on such information, conducting analysis and statistics to serve as a basis for service adjustments/updates/upgrades, to upgrade customer journey, or to contact you or provide you with appropriate responses, services or products.	Device screen size and resolution, device CPU and memory usage, information provided in your feedback, suggestions or complaints, information provided during your participation in our marketing activities or questionnaire survey.
Financial needs analysis	Assessing your risk profile, and then to provide products and services that match your risk profile	Financial goals, education level, career information, financial situation, investment preferences, risk appetite
Onshore fund products distribution	perform suitability assessment, risk matching and other statutory obligations	Personal annual income

If you refuse to provide such information, you will not be able to use the corresponding service functions, but this will not affect your use of other Mobile Banking Service or Mobile Banking App functions.

3. Our Mobile Banking App may request system permission from you for the following authorized functions and collect your personal information based on your authorization.

System Permissions	Authorized Functions
Camera	Facial recognition
Face ID (for Apple iOS)	Mobile Banking App facial recognition login for certain mobile devices launched by Apple
Fingerprint (for Apple iOS)	Mobile Banking App fingerprint recognition login supported by your mobile device
Call phone (for Android)	Calling our customer service center or relationship manager's phone number
Notification (for Apple iOS)	Push messages in the form of message notification

You can choose whether or not to authorize system permissions when prompted to do so. Refusal to grant permission will prevent you from using the corresponding authorized functions, but will not affect your access to other functions of the Mobile Banking App.

4. When you use the Bank's Mobile Banking Service or Mobile Banking App functions, we may use software development kits ("SDK(s)") provided by third party service providers to provide you with the services. Only by allowing such third party SDKs to process your information, will the Bank be able to implement responsive functions. For the purpose of providing such services, these third party SDKs may collect information from you as follows:

SDK	Third Party Service Provider	Information Collection Purpose, Scope and Required Permissions
Yun Zheng Tong (CFCA) SDK	China Financial Certification Authority Co., Ltd.	Purpose: In order to provide you with Yun Zheng Tong e-signature (digital certificate) service, we use the Yun Zheng Tong (CFCA) SDK for implementing e-signature (digital certificate) function Information fields collected by SDK: Common fields: Customer name, customer ID type, ID number iOS device-specific: Mobile device model, system version, IP address, network connection, IDFV (IdentifierForVendor), whether mobile is jailbreak, APP creation time, APP Bundle ID, APP version, whether the phone has TEE, SE module, Keychain information (used to obtain a unique identifier) Android device-specific: MAC address, system version, device name, model and manufacturer, hardware name, serial number and manufacturer, Android ID, APP producer information, whether mobile is ROOT, Android Keystore logo, whether the phone has TEE, SE module Required system permissions: None
Live Recognition (CFCA) SDK	China Financial Certification Authority Co., Ltd.	Purpose: In order to provide you with live facial recognition & verification function, we will use the Live Recognition (CFCA) SDK, obtain camera access, to securely verify your identity by recognizing your facial features and movements, but we will not retain your facial features and movements for our own sake. Information fields collected by SDK: Facial recognition information, customer name, customer ID type, ID number Required system permissions: Camera permission
Tencent Technology Co., Ltd WeChat Sharing SDK	Tencent Technology Co., Ltd	Purpose: To enable you to share relevant pages in the Mobile Banking App (such as product pages) to the WeChat platform Information fields collected by SDK: Unique device identifier, Device MAC address Required system permissions: None
Baidu push notification SDK	Baidu. Inc.	Android specific (for China Android market), no such SDK in iOS Purpose: Used for message push notification Information fields collected by SDK: Android ID Required system permissions: None Special Note: In order to realize the message push notification function such as transaction information, this SDK may start automatically when the device is turned on or restarted.
Zdefend SDK	Zimperium, Inc.	Android specific, no such SDK in iOS Purpose: To assess and protect the security of Mobile Banking App running in installed device Information fields collected by SDK: Running processes System version Mobile device model Required system permissions: None Note: As this SDK is used to ensure the safety of the Mobile Banking App, this SDK cannot be turned off specifically
Cisco AppDynamics Mobile RUM Agent SDK	Cisco Systems, Inc.	Purpose: Provide end-to-end visibility on the performance of mobile applications as well as help customer troubleshoot problems such as slow mobile network requests and crashes. Information fields collected by SDK: Mobile Carrier Name Network Connection Type Device Model App Version OS Version IP Address App Crash info Network requests and responses info including errors Required system permissions: None Note: As this SDK is used for performance monitoring as well as customer problems troubleshooting like App crash on the Mobile Banking App, this SDK cannot be turned off specifically
Google Firebase Notifications SDK	Google LLC	Android specific (for Overseas Android market), no such SDK in iOS Purpose: Used for message push notification Information fields collected by SDK: Application Version OS Version Device Model Name Device Model ID Device Brand APP that was used to install our Digibank App (like Google Play Store) Firebase SDK version Required system permissions: None

If you do not agree to the above information collection by the above third party service provider SDKs, you may not be able to receive the corresponding services, but this will not affect your normal use of other Mobile Banking Services or Mobile Banking App functions. If any of the above third party service providers that collect the above information causes leakage of the information or uses such information in violation of the law, the third party service provider shall bear the corresponding legal liability.

5. Please understand that the Mobile Banking Services we provide to you will be constantly updated and developed. If you choose to use other services that are not covered in the preceding description, for which we need to collect your information, we will separately explain to you the purpose, method and scope of information to be collected through reasonable means such as prompts, interactive processes, agreements, etc., and obtain your consent. We will use, store, provide and protect your information in accordance with this Policy and any other agreements (if any); if you choose not to provide such information, you may not be able to use a particular service or part of a service, but this will not affect your use of other services provided by us.

6. To the extent permitted by laws and regulations, in the following circumstances, we may collect and use your personal information without your consent:

(1) where it is in relation to our performance of obligations under laws and regulations;

(2) where it is in direct relation to state security or national defense security;

(3) where it is in direct relation to public security, public health, or major public interest;

(4) where it is in direct relation to criminal investigation, prosecution, trial, enforcement of judgment, etc.;

(5) where the purpose is to protect your or other individuals' life, property or other material legitimate rights and interests but it is difficult to obtain your consent;

(6) where the personal information involved is disclosed by you to the public at your own discretion;

(7) where it is necessary for the conclusion and performance of a contract at your request;

(8) where personal information is collected from lawful public disclosures, such as lawful news reports, government information disclosure and other channels;

(9) where it is necessary for maintaining the safe and stable operation of the products or services provided, such as discovering, handling product or service failures;

(10) other circumstances provided by laws and regulations.

Personal Information and Privacy Protection Policy

Personal Information and Privacy Protection Policy

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