1. General Information
This Privacy Policy describes how information may be collected, used, and stored when the website is visited. The website provides informational content related to general concepts of personal finance in everyday life in Singapore. Use of the website is possible without registration and without providing personal data. Personal data may be provided only when the user voluntarily submits information through the contact form.
Processing of personal data is carried out in accordance with the Personal Data Protection Act 2012 of Singapore. Data handling follows the principles of transparency, purpose limitation, and data minimisation.
2. Types of Data That May Be Collected
The website may receive limited personal data when it is provided by the user through the contact form. This data may include:
- Name
- Email address
- Subject of the message
- Message content
Technical data may also be collected automatically for website operation. Such data may include browser type, device information, and general access logs. This information does not identify the user directly and is used only for technical purposes.
3. Purpose of Data Processing
Personal data is processed only for the following purposes:
- responding to messages sent through the contact form
- maintaining the operation and security of the website
- keeping basic communication records
- ensuring correct display of website pages
The website does not use personal data for profiling, behavioural tracking, or personalised advertising. The website does not create user accounts and does not require registration.
4. Consent and Legal Basis
Personal data is processed on the basis of consent when the user voluntarily submits information through the contact form. By sending a message, the user confirms that the provided information may be used for communication purposes.
In certain situations, data may be processed when it is necessary for the normal operation of the website or to maintain technical records. Such processing is limited to what is reasonably required for website functionality.
For users between the ages of 13 and 17, consent may be given when the user understands the nature of the data being submitted. For users under the age of 13, submission of personal data should be made only with the involvement of a parent or legal representative.
5. Storage and Retention of Data
Personal data is stored only for the period necessary to complete communication or maintain technical records. After this period, the information may be removed or anonymised.
Reasonable administrative and technical measures are used to protect stored data from unauthorised access, loss, or modification. Access to personal data is limited to persons responsible for maintaining the website.
6. Disclosure of Data
The website does not sell, rent, or distribute personal data. Data may be shared only when required for technical operation of the website or when necessary to comply with applicable law in Singapore.
When external service providers are used for hosting or technical support, they may process limited data only for operational purposes. Such processing is restricted to what is necessary for website functionality.
7. International Data Transfer
Website servers or technical services may be located outside Singapore. When data is transferred, reasonable steps are taken to ensure that the information is handled with a level of protection comparable to the requirements of Singapore law.
8. Cookies and Technical Data
The website may use cookies or similar technologies required for normal operation of pages. Cookies are small text files stored in the browser to maintain basic functionality.
Cookies used on this site are limited to functional and analytical purposes. They are not used to identify users personally or to create behavioural profiles. Detailed information about cookies is provided in the Cookie Policy.
9. User Rights
Under the Personal Data Protection Act 2012, a user may request:
- access to personal data that was provided
- correction of inaccurate data
- withdrawal of consent for future processing
Requests may be sent using the contact details listed above. Only information necessary to verify the request may be required.
10. No Profiling and No Personalised Advertising
The website does not perform automated profiling of users. Interaction with video advertising does not create user profiles on this website. The site does not use personalised advertising and does not track behaviour across other websites.
11. Changes to This Policy
This Privacy Policy may be updated when the structure of the website changes or when legal requirements are revised. The updated version is published on this page with the new date. Continued use of the website means reading the current version of the policy.
For more information, please use the contact details provided above.
