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Clause 3.2

3.2  When You give an instruction or Your consent to any Participant (“Service Consumer”) to retrieve Your Data through the API Marketplace, You agree that Clauses 3.2.1 to 3.2.3 shall apply in respect of such Participant and such instruction or consent.

3.2.1  You acknowledge, consent, agree and authorise such Participant to retrieve, pursuant to Your instruction or consent, Your Data from each Data Source to which You had (based on such Data Source’s records) provided consent to make available Your Data through the API Marketplace (and You hereby instruct and authorise such Participant to issue or provide, on Your behalf, such instructions, confirmations and requests through the API Marketplace as may be required to do so) and to collect, process, use and/or disclose Your Data for any of the following purposes:

(i)  evaluating Your financial and banking needs to identify the Financial Planning Services suited to Your needs, offering Financial Planning Services to You and assessing and processing any applications or requests made by You in relation to any Financial Planning Services;

(ii)  the provision, by such Participant to You, of any Financial Planning Services;

(iii)  Your Use of the API Marketplace, the operation of the API Marketplace, performing such Participant’s obligations or to exercise such Participant’s rights under or in connection with such Participant being a participant and/or user of the API Marketplace (including under any agreements or undertakings relating to the API Marketplace which such Participant is bound by);

(iv)  security and compliance purposes;

(v)  monitoring or improving user experience, operational efficiency, service quality or marketing strategies, developing, improving or enhancing new or existing services or functionalities, monitoring and conducting data analytics (including for statistical, profiling, research, planning or other purposes), in each case relating to, or in respect of, any new or existing Financial Planning Services, the provision of any Financial Planning Services or Your use of any Financial Planning Services;

(vi)  managing and preparing reports on any matter relating to the use or operation of any of such Participant’s systems, the API Marketplace and related systems and connections;

(vii)  to comply with any Applicable Laws, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority;

(viii)  in connection with any claims, actions or proceedings (including drafting and reviewing documentation, obtaining legal advice, and facilitating dispute resolution), and/or to discharge, enforce or defend any of such Participant’s contractual or other legal obligations or rights;

(ix)  such purposes as set out in such Participant’s Data Protection Policy; and/or

(x)  disclosure to, and use by, such Participant’s Representatives during such Representatives’ appointment or employment, and strictly on a need-to-know basis for any of the purposes described in this Clause 3.2.1 and at all times, without prejudice to any requirements under Applicable Laws (including any outsourcing guidelines issued by the Monetary Authority of Singapore) which may be applicable to any such disclosure to and/or use by such Participant’s Representatives.

3.2.2  You agree that such Participant may, and acknowledge that such Participant will, rely on each of the above consents and authorisations provided by You under Clause 3.2.1 (collectively, Your “Service Consumer Consent”).

You acknowledge and agree that Your Service Consumer Consent is effective from the time You give such Participant such instruction or consent and remains valid and in force until it has been revoked pursuant to a revocation request submitted by You in accordance with the instructions on the website of such Participant and is not affected by the expiry or revocation of any consent given by You to any Data Source.