Privacy Policy
This Privacy Policy explains how our service collects, uses, discloses, stores, and protects personal data when you visit our site, request information, or interact with our financial planning services. Our services include annual financial planning, investment strategies, retirement planning, wealth management, and risk assessment.
We handle personal data in accordance with applicable privacy and data protection laws, including Singapore’s Personal Data Protection Act 2012 and, where applicable, the European Union General Data Protection Regulation. The specific rights and obligations that apply may depend on your location and circumstances.
Personal Data We Collect
We may collect information that you choose to provide when you use our site or ask about our services, as well as limited technical information generated through your use of our online platform.
- Identification and contact information, such as your name, postal address, telephone number, and other details you voluntarily provide.
- Information about your financial objectives, investment preferences, retirement plans, risk tolerance, and circumstances when you request financial planning information or services.
- Information contained in enquiries, forms, appointments, correspondence, or other communications with us.
- Technical data such as IP address, browser type, device information, approximate location, access times, and pages viewed.
- Cookie and similar technology data, where these technologies are used and permitted by law.
How We Use Personal Data
We use personal data only for appropriate and lawful purposes, including:
- Providing information about our financial planning, investment, retirement, wealth management, and risk assessment services.
- Understanding your requirements and preparing or improving services requested by you.
- Managing enquiries, appointments, client relationships, records, and service administration.
- Maintaining, securing, monitoring, and improving our site and online platform.
- Complying with legal, regulatory, tax, accounting, audit, and professional obligations.
- Detecting, preventing, and investigating fraud, misuse, security incidents, and other unlawful activity.
Legal Bases for Processing
Where the GDPR applies, we process personal data when necessary to provide requested services or take steps at your request, comply with a legal obligation, pursue our legitimate interests, or rely on your consent. We will not use consent as a basis where the law requires another basis. You may withdraw consent at any time, although this will not affect processing carried out before withdrawal.
Disclosure of Personal Data
We may share personal data only where reasonably necessary and permitted by law. Recipients may include professional advisers, technology and hosting providers, security and analytics providers, financial or administrative service providers, auditors, insurers, regulators, law enforcement agencies, courts, and parties involved in a corporate transaction.
Service providers are expected to process personal data under appropriate confidentiality, security, and data protection obligations. We do not sell personal data.
International Data Transfers
Some service providers or recipients may process personal data outside Singapore or your country of residence. Where required, we use legally recognised safeguards, contractual protections, adequacy decisions, or other lawful transfer mechanisms to protect personal data.
Cookies and Similar Technologies
Our site may use cookies and similar technologies to support essential functions, remember preferences, understand site usage, and improve performance. Where required, we will request consent before placing non-essential technologies. You can manage cookies through your browser settings, although disabling them may affect site functionality.
Data Retention
We retain personal data only for as long as reasonably necessary for the purposes described in this policy, including to provide services, maintain business and financial records, resolve disputes, enforce agreements, and meet legal or regulatory requirements. Retention periods vary according to the type of information and the circumstances of its collection.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal data against unauthorised access, alteration, disclosure, loss, misuse, or destruction. No internet transmission or storage system can be guaranteed to be completely secure.
Your Privacy Rights
Depending on applicable law, you may have the right to request access to, correction of, deletion of, or restriction of processing of your personal data. You may also have the right to object to certain processing, request data portability, withdraw consent, or lodge a complaint with a relevant data protection authority.
We may need to verify your identity before responding to a request. Legal exceptions, regulatory duties, and legitimate grounds may limit the exercise of these rights.
Children’s Privacy
Our site and services are intended for adults and are not directed to children. We do not knowingly collect personal data from children without legally required consent. If you believe a child has provided personal data, please contact us using the postal address below.
Third-Party Sites
Our site may contain links or references to third-party websites or services. Their privacy practices are governed by their own policies, and we are not responsible for their content or data handling.
Changes to This Policy
We may update this Privacy Policy when our practices, services, or legal obligations change. The updated version will be made available on our site, and material changes will be communicated where required by law.
Privacy Enquiries
For privacy requests or questions, please write to us at:
Pasir Panjang Road,
Singapore 119963,
Singapore