Privacy Policy

This Privacy Policy explains how our financial planning firm collects, uses, discloses, stores, and protects personal data when you visit our online platform, review our financial planning resources, or enquire about our services.

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.

Personal Data We Collect

Depending on how you use our online platform or engage our services, we may collect:

• Identification and contact information, such as your name, postal address, telephone number, and other information needed to respond to your enquiry.
• Financial information, including income, assets, liabilities, expenses, investments, insurance arrangements, retirement objectives, and risk preferences.
• Information relating to your financial goals and circumstances that is necessary to prepare annual financial plans, investment strategies, wealth management recommendations, retirement plans, or insurance advice.
• Technical and usage information, such as device details, browser type, approximate location, access times, and interactions with our online platform.
• Any other information you voluntarily provide through forms, resources, consultations, or other interactions with our firm.

How We Use Personal Data

We use personal data only for legitimate and transparent purposes, including:

• Providing information about financial planning, investment strategies, wealth management, retirement planning, and insurance advisory services.
• Understanding your financial objectives and preparing suitable planning recommendations when you request our services.
• Managing client relationships, appointments, records, service administration, and regulatory obligations.
• Improving our online platform, educational materials, resources, and service quality.
• Detecting, preventing, and investigating fraud, misuse, security incidents, and other unlawful activity.
• Complying with legal, regulatory, tax, audit, licensing, and professional obligations.

Legal Bases for Processing

Where the GDPR applies, we process personal data on one or more of the following bases: your consent; the performance of a contract or steps taken at your request before entering into a contract; compliance with a legal obligation; and our legitimate interests, provided those interests do not override your rights and freedoms.

Disclosure of Personal Data

We may disclose personal data where reasonably necessary to provide our services or meet our obligations, including to:

• Professional advisers, insurers, auditors, financial institutions, and service providers supporting our operations.
• Information technology, hosting, security, analytics, document management, and administrative providers acting on our instructions.
• Government agencies, regulators, courts, law enforcement bodies, or other parties where disclosure is required or permitted by law.

We do not sell personal data. We require service providers that process personal data on our behalf to maintain appropriate confidentiality and security safeguards.

International Transfers

Some service providers or recipients may process personal data outside Singapore or the country where you are located. Where required by law, we use appropriate safeguards, such as contractual protections, recognised adequacy mechanisms, or other lawful transfer arrangements.

Cookies and Similar Technologies

Our online platform may use cookies and similar technologies to support essential functions, understand usage, remember preferences, and improve performance. Where consent is required, we will request it before using non-essential technologies. You may adjust your browser settings, although some features may not operate as intended.

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 accurate records, resolve disputes, enforce agreements, and satisfy legal, regulatory, accounting, and professional requirements. When data is no longer required, we securely delete, anonymise, or otherwise dispose of it where appropriate.

Security

We use reasonable administrative, technical, and physical safeguards to protect personal data against unauthorised access, collection, use, disclosure, alteration, loss, or destruction. No online transmission or storage system can be guaranteed to be completely secure, so you should take care when sharing sensitive financial information.

Your Privacy Rights

Subject to applicable law, you may have the right to:

• Request access to personal data we hold about you.
• Request correction of inaccurate, incomplete, or outdated personal data.
• Withdraw consent where processing is based on consent.
• Request deletion, restriction, or objection to certain processing.
• Request portability of certain personal data where this right applies.

We may need to verify your identity before processing a request. We will respond within the period required by applicable law and may explain any lawful reason for refusing or limiting a request.

Children’s Privacy

Our services and resources are intended for adults. We do not knowingly collect personal data from children where doing so would require parental or guardian consent. If you believe a child has provided personal data, please contact us so that we can take appropriate action.

Financial Information Disclaimer

Information on our online platform is provided for general educational purposes and does not, by itself, constitute personalised financial, investment, retirement, insurance, tax, or legal advice. Recommendations depend on verified information about your circumstances and may involve risks. You should consider your objectives and risk tolerance and obtain appropriate professional advice before making financial decisions.

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our services, technologies, legal requirements, or privacy practices. The revised policy will be made available on our online platform, and continued use of the service after an update may be subject to the revised terms.

Contact and Complaints

For privacy questions, access or correction requests, or complaints about our handling of personal data, you may write to us at our physical address:

We will review and address complaints fairly and promptly. Where applicable, you may also lodge a complaint with the relevant data protection or regulatory authority in your jurisdiction.