SME Credit Bureau

The SME Credit Bureau Enterprise Portal is highly committed to ensuring that all transactions performed through our online enterprise portal services are secure, safe and confidential. For this purpose, we have put in place privacy protection control systems designed to ensure the highest security standards and confidentiality.

Username and Password

To prevent unauthorised access to our online financial services, every customer or member is required to have a username and an alphanumeric password, which are the access key to Enterprise Portal Maintenance Modules. The username must be between 6 to 16 characters and the alphanumeric password must be between 8 to 12 characters.

The username and alphanumeric password are case sensitive. For example, if your password is "smeCB95Ggh" and you key in "smeCb95Ggh", you will not be able to login (the "b" must be uppercase).

To ensure the integrity of your username and password, you are advised to do the following:

•	Do not choose a password that others can easily guess
•	Do not use simple words, your name, birth date, telephone number or names listed in standard dictionary
•	Memorize your password and do not write it down
•	Passwords should be used when accessing an online account to protect your personal information
•	Sharing your password or PIN with another person is the same as giving that individual authority to use your name in a transaction. It should not be disclosed even if requested by an authorized SME Credit Bureau Officer
•	Change your password frequently

Information Protection

We take considerable effort to ensure a safe and secure online experience, but we do not have control over the computer you use to access the SME Credit Bureau Enterprise Portal. As an added security feature, we have incorporated an automatic log out function if no activity is detected after a preset time limit.

However, you must ensure that your computer does not provide anyone opportunity to gain access to your account information:

•	Ensure no one has access to your computer or records your online activities
•	Always log out of the SME Credit Bureau Enterprise Portal immediately after completing transactions and before visiting other websites
•	Do not send any information about your account via e-mail
•	Disable the AutoComplete function on your browser to avoid automatic completion of your ID when you type in User ID To turn AutoComplete "On" or "Off" in MS Internet Explorer browser: 1. Click the "Tools" menu to get the "Internet Options" function. 2. Click "Internet Options" to get the "Content" tab. 3. From this tab, click the "AutoComplete" button. 4. Uncheck "User names and passwords on forms".

More Security Tips

•	Don't open suspicious e-mail attachments
•	Avoid downloading free programs. These may incorporate hacker-friendly software
•	Download security updates regularly
•	Don't use the "remember password" function because this information can be easily accessed by hackers
•	Clear your cache (information stored in your computer memory) each time you log out

Systems Security and Monitoring

The SME Credit Bureau Enterprise Portal has adopted a combination of the following systems security and monitoring measures for online transactions:

•	Firewall systems, strong data encryption, anti-virus protection and round-the-clock security surveillance systems to detect and prevent any form of illegitimate activities on our network systems
•	Regular security reviews of our systems by our internal System Auditor as well as external security experts
•	When you have a broadband connected to the Internet (always-on connection), consider installing a personal firewall. At a minimum, power-off your PC when not in use. We also take every effort in ensuring collaboration with major vendors/manufacturers to keep abreast of information security technology developments, for possible and future implementation

Computer Virus Protection

Computer viruses are real and once your computer is infected it can cost you time, loss of information, repair expense, and aggravation. Make sure your computer has an anti-virus protection program installed to reduce the risk.

We recommend that you purchase a program that automatically upgrades your virus protection on a recurring basis. If you currently have a virus protection program on your computer without the automatic upgrade feature, make sure you update your virus detection program at least monthly and/or when you hear of a new virus to minimize your risk. You can do this by visiting the Internet site of the company that provides your software.

In addition we advise not to open attachments from others or open diskettes unless you have absolute certainty that you can trust the source, and then still be cautious. Whoever sent you that attachment or gave you a diskette may not know that they have carried the virus to you.

Updating Your Browser

An Internet browser allows access and the ability to navigate a myriad of information and service resources on the Internet. Most computers come with a browser already installed.

•	Always update your browser when new versions are released because they often include new security features
•	Check your browser for built-in safety features that you may or may not elect to use
•	If you use Internet Explorer, update it to IE version 5.5 or above
•	You may access the lastest security patches at the following URL: http://www.microsoft.com/windows/ie/downloads/critical
•	It is a good practice to always check the site certificate before login

We recommend using Microsoft Internet Explorer for the SME Credit Bureau Enterprise Portal.

Internet Explorer for Windows 98/2000/NT
• Internet Explorer version 5.5

Your consent

•	By using the SME Credit Bureau Portal or providing business information to us, you are consenting to the collection, use and disclosure of your business information as described in this Privacy Policy Statement and Temrs & Contidions
•	If you do not consent to the collection, use and disclosure of your personal information as described in this Privacy Policy Statement and Terms & Conditions, do not use this SME Credit Bureau Portal

Collection and Use of Business Information

If you are only browsing the Website, we do not capture data that allows us to identify you individually.

The SME Credit Bureau Portal collects the information you knowingly and voluntarily provide when you use the SME Credit Bureau Portal. We may also use this information for other purposes such as customer service, fraud prevention and providing information that may be of interest to you and your business.

We collect personal and business information when you contact us, register with us or where you are required to enter any of the mentioned personally identifiable information. Should the data be out-of-date, please supply us the latest data.

We have put in place reasonably adequate safeguards to protect information that we have collected about you.

Disclosure of Personal Information

Please be informed that the SME Credit Bureau Enterprise Portal is accessible by the public, which means your personal and business information may be viewed by other visitors to the SME Credit Bureau Enterprise Portal.

Access to Your Personal and Business Information

You have the right to access your personal and business information and review, correct or update the information that you provide to us through the SME Credit Bureau Enterprise Portal.

Security and Third Party Links

For website security purposes and to ensure that this service remains available to all visitors, the SME Credit Bureau Enterprise Portal computer system employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Links to Other Websites

Other websites to which we provide links may be governed by different privacy policies. We do not assume responsibility for the information practices of these other websites, and we strongly encourage all visitors to review the privacy policies and statements of all externally linked websites.

Questions about this Privacy Policy Statement

If you have any questions about this Privacy Policy Statement or our use of your personal information in relation to the SME Credit Bureau Enterprise Portal, please contact us by clicking on this link.

Changes to our Privacy Policy Statement

We may update and make changes to this Privacy Policy Statement. We will notify you of any changes by sending notices to your primary email addresses or by placing a prominent notice on the SME Credit Bureau Enterprise Portal.