Happy Happy’s DebtLah App (“DebtLah App”, “we”, “us”, “our”) is a mobile-first web app by Happy2sg.
Website/App: app.happy2sg.com
Business (UEN): 53518308M
Email: happy2sg.com@gmail.com
Phone: +65 9426 1233
Support hours: Mon–Fri 10:00am–8:30pm (SGT) | 24/7 online support
This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use the DebtLah App.
1) What data we collect
A. Account & contact data
- Name (if provided)
- Email address
- Login credentials (stored securely)
B. App usage & financial tracking data (entered by you)
- Monthly income amount (if you choose to add it)
- Debts you add (e.g., bank name, debt name, installment amount, due day, start month)
- Credit card monthly statement amounts you enter
- Payment status you record (Pending/Paid), month-by-month history
C. Technical data
- Device and browser information (e.g., browser type, operating system)
- IP address, approximate location (city/country)
- App activity logs (for security and troubleshooting)
- Cookies or similar technologies (see Section 8)
We do not request NRIC, Singpass, bank logins, credit card numbers, CVV, or full banking credentials.
2) Why we collect your data (purposes)
We use your data to:
- Create and manage your account and login
- Provide core features (auto monthly dues, totals, history, summaries)
- Save and display your debts and payment tracking accurately
- Support and respond to user requests
- Maintain security, prevent fraud, and protect the app
- Fix bugs, improve performance, and enhance user experience
- Comply with legal obligations where required
3) Legal basis (Singapore PDPA)
We collect, use, and disclose personal data under applicable legal bases such as:
- Consent (e.g., when you register and input data)
- Contractual necessity (to provide the app you paid for)
- Legitimate interests (e.g., security, service improvement)
- Legal obligations (if required by law)
4) How we share your data
We do not sell your personal data.
We may share limited data only when necessary with:
- Service providers that help run the app (e.g., hosting, database, email delivery, security tools), under confidentiality and data protection obligations
- Legal authorities if required by law or to protect rights, safety, and security
- Business transfers if we restructure, merge, or sell part of the business (data will remain protected)
5) Data storage and security
We use reasonable administrative, technical, and physical safeguards to protect your data, such as:
- Encrypted connections (HTTPS)
- Access controls and secure authentication
- Server security and monitoring
- Regular maintenance and updates
No system is 100% secure, but we take practical measures to reduce risk.
6) Data retention
We retain your data:
- For as long as your account remains active, so the app can work
- As needed to provide support and maintain records
- As required by applicable laws
You may request deletion of your account and associated data (see Section 9).
7) Your responsibilities
To help keep your data safe:
- Use a strong password
- Do not share your login
- Log out from shared devices
8) Cookies and analytics
We may use cookies or similar technologies to:
- Keep you logged in
- Remember settings
- Improve security and performance
- Understand general usage patterns (aggregated)
You can manage cookies via your browser settings. Disabling some cookies may affect app functionality.
9) Your rights (PDPA)
You may request to:
- Access your personal data
- Correct inaccurate data
- Withdraw consent (where applicable)
- Delete your account and personal data (subject to legal/operational requirements)
To make a request, email: happy2sg.com@gmail.com
Subject: Privacy Request – DebtLah App
We may need to verify your identity before processing requests.
10) International transfers
Your data may be stored or processed in Singapore or other countries where our service providers operate. Where data is transferred, we take steps to ensure appropriate protection consistent with Singapore’s PDPA.
11) Children’s privacy
The DebtLah App is intended for users who can form a legally binding contract. If you believe a child has provided personal data, contact us and we will take appropriate steps.
12) Changes to this Privacy Policy
We may update this policy from time to time. If changes are material, we will update the “Effective date” and may notify you within the app or by email where appropriate.
13) Contact us
For privacy-related questions or requests:
Happy2sg (UEN: 53518308M)
Email: happy2sg.com@gmail.com
Phone: +65 9426 1233
Support: Mon–Fri 10:00am–8:30pm (SGT)