{"id":6566,"date":"2026-05-27T07:22:19","date_gmt":"2026-05-27T07:22:19","guid":{"rendered":"https:\/\/www.nfaktor.com.sg\/en\/?page_id=6566"},"modified":"2026-05-27T10:39:32","modified_gmt":"2026-05-27T10:39:32","slug":"privacy-policy-2","status":"publish","type":"page","link":"https:\/\/www.nfaktor.com.sg\/en\/privacy-policy-2\/","title":{"rendered":"privacy policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6566\" class=\"elementor elementor-6566\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bbfc1c e-flex e-con-boxed e-con e-parent\" data-id=\"7bbfc1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10d83ca elementor-widget elementor-widget-spacer\" data-id=\"10d83ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-533727b elementor-widget elementor-widget-heading\" data-id=\"533727b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Privacy Policy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-816b666 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"816b666\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc4c659 elementor-widget elementor-widget-text-editor\" data-id=\"dc4c659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>At nFaktor, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and disclose your personal information when you use our website,\u00a0<\/span><a href=\"https:\/\/www.nfaktor.com\/\">www.nfaktor.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba4336 elementor-widget elementor-widget-heading\" data-id=\"0ba4336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lawful Basis for Processing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e2e8d5 elementor-widget elementor-widget-text-editor\" data-id=\"2e2e8d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>Where required by applicable law, nFaktor processes personal information based on one or more lawful grounds, including:<\/span><\/p><ul><li>User consent<\/li><li>Performance of contractual obligations<\/li><li>Compliance with legal obligations<\/li><li>Legitimate business interests<\/li><li>Protection of vital interests<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb61bb2 elementor-widget elementor-widget-heading\" data-id=\"cb61bb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Information Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abd954f elementor-widget elementor-widget-text-editor\" data-id=\"abd954f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>nFaktor maintains commercially reasonable technical, administrative, and organizational safeguards designed to protect personal information against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.<\/span><\/p><p>These measures may include:<\/p><ul><li>Access controls<\/li><li>Encryption technologies<\/li><li>Secure hosting infrastructure<\/li><li>Network monitoring<\/li><li>Periodic security reviews<\/li><li>Role-based access management<\/li><\/ul><p>Despite these safeguards, no internet transmission or storage system can be guaranteed to be fully secure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-906f0bb elementor-widget elementor-widget-heading\" data-id=\"906f0bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Data Retention and Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f93a8d2 elementor-widget elementor-widget-text-editor\" data-id=\"f93a8d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>nFaktor retains personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable legal, regulatory, and contractual obligations, resolve disputes, enforce agreements, and support legitimate business operations.<br \/><br \/>Retention periods may vary depending on:<\/p><ul><li>Nature and sensitivity of the information<\/li><li>Applicable legal and regulatory requirements<\/li><li>Contractual obligations<\/li><li>Business and operational necessity<\/li><li>Security, audit, and compliance requirements<\/li><\/ul><p><span>nFaktor implements commercially reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1097e2a elementor-widget elementor-widget-heading\" data-id=\"1097e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Marketing Communications &amp; Opt-Out<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-300aab2 elementor-widget elementor-widget-text-editor\" data-id=\"300aab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Users may opt out of receiving marketing communications from nFaktor at any time by using the unsubscribe link included in our emails or by contacting us directly. Opting out will not affect transactional or service-related communications.<\/p><p>nFaktor may send users newsletters, event invitations, product updates, marketing communications, and other promotional materials where permitted by applicable law.<br \/><br \/>Users may opt out of receiving marketing communications at any time by:<\/p><ul><li>Clicking the unsubscribe link included in communications, or<\/li><li>Contacting us at<span>\u00a0<\/span><a href=\"mailto:connect@nfaktor.com\">connect@nfaktor.com<\/a><\/li><\/ul><p><span>Opting out will not affect transactional, operational, security, or service-related communications.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f0f9a elementor-widget elementor-widget-heading\" data-id=\"80f0f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Data Subject Rights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-800c86d elementor-widget elementor-widget-text-editor\" data-id=\"800c86d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>Users may have certain rights regarding their personal information, subject to applicable data protection laws. These rights may include the right to access, correct, update, restrict, object to processing, request deletion, or request portability of personal information maintained by nFaktor.<\/span><br \/><br \/><span>Users may exercise these rights by contacting us at\u00a0<\/span><a href=\"mailto:connect@nfaktor.com\">connect@nfaktor.com<\/a><span>. We may require verification of identity before processing such requests.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e6cf4 elementor-widget elementor-widget-heading\" data-id=\"a7e6cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Automated Decision-Making<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56799be elementor-widget elementor-widget-text-editor\" data-id=\"56799be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>nFaktor does not engage in automated decision-making or profiling activities that produce legal or similarly significant effects on individuals.<\/span><br \/><br \/><span>Any analytics, personalization, or marketing automation activities conducted by nFaktor are subject to appropriate human oversight and are intended solely to improve user experience and service delivery.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b37e20 elementor-widget elementor-widget-heading\" data-id=\"6b37e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cookies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02e5734 elementor-widget elementor-widget-text-editor\" data-id=\"02e5734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>nFaktor may use cookies, web beacons, analytics tools, and similar technologies to:<\/p><ul><li>Improve website functionality<\/li><li>Analyze website usage<\/li><li>Personalize the user experience<\/li><li>Support marketing activities<\/li><li>Maintain security and performance<\/li><\/ul><p><span>Users may manage cookie preferences through their browser settings. Disabling cookies may affect certain website functionalities.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3435e4e elementor-widget elementor-widget-heading\" data-id=\"3435e4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Third-Party Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4efdfb0 elementor-widget elementor-widget-text-editor\" data-id=\"4efdfb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>Our website and services may integrate with or contain links to third-party platforms, applications, or services. nFaktor is not responsible for the privacy practices, security, or content of such third-party services.<\/span><br \/><br \/><span>Users are encouraged to review the privacy policies and terms of such third parties before providing personal information.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c757a81 elementor-widget elementor-widget-heading\" data-id=\"c757a81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Changes to this Privacy Policy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e09e08 elementor-widget elementor-widget-text-editor\" data-id=\"8e09e08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>We may update this Privacy Policy from time to time to reflect changes in legal, technical, or business developments. We may post updates to this Privacy Policy on our website and, where appropriate, notify users of material changes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f8e720 elementor-widget elementor-widget-heading\" data-id=\"1f8e720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Children's Privacy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea89ce elementor-widget elementor-widget-text-editor\" data-id=\"3ea89ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>nFaktor\u2019s website and services are not directed toward children under the age required by applicable law. We do not knowingly collect personal information from children without appropriate parental or legal guardian consent.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eacbbfd elementor-widget elementor-widget-heading\" data-id=\"eacbbfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44bcfe1 elementor-widget elementor-widget-text-editor\" data-id=\"44bcfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span>If you have any questions or concerns about our Privacy Policy, please contact us at\u00a0<\/span><a href=\"mailto:connect@nfaktor.com\">connect@nfaktor.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cadde05 e-con-full e-flex e-con e-parent\" data-id=\"cadde05\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-769e9ec e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"769e9ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd5727c e-con-full e-flex e-con e-child\" data-id=\"cd5727c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92288a7 elementor-view-framed elementor-widget__width-initial elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"92288a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.linkedin.com\/company\/nfaktor\" target=\"_blank\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d84783 elementor-view-framed elementor-widget__width-initial elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"9d84783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.instagram.com\/nfaktor_official\/?hl=en\" target=\"_blank\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b9556 elementor-view-framed elementor-widget__width-initial elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"d7b9556\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/twitter.com\/nfaktor\" target=\"_blank\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-x-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acd222b e-con-full e-flex e-con e-child\" data-id=\"acd222b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddb8723 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"ddb8723\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nfaktor.com.sg\/en\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"125\" height=\"29\" src=\"https:\/\/www.nfaktor.com.sg\/en\/wp-content\/uploads\/2024\/07\/nfaktor_logo-white.png\" class=\"attachment-medium size-medium wp-image-1926\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><a href=\"\/en\/terms-of-use\/\" target=\"_blank\" id=\"terms\">Terms &amp; Conditions<\/a> | <a href=\"\/en\/privacy-policy-2\/\" target=\"_blank\" id=\"privacy\">Privacy Policy<\/a> | Copyright \u00a9  nFaktor 2026. 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