Privacy Policy

Effective Date: 22 November 2019
Last Updated: 23 September 2025

1. Introduction

This Privacy Policy explains how Singapore Finance Pte. Ltd. (“Singapore Finance”, “we”, “our”, or “us”) collects, uses, discloses, and safeguards your personal data when you use our website https://singaporefinance.sg (the “Website”, the “Platform”, or the “Service”).
By using our Service, you consent to the collection and use of your information in accordance with this Privacy Policy and the Personal Data Protection Act 2012 (No. 26 of 2012) (“PDPA”), together with any applicable guidelines issued by the Personal Data Protection Commission (PDPC).
This Privacy Policy should be read together with our Terms and Conditions. Unless otherwise defined, terms used in this Privacy Policy have the same meaning as in the Terms.

2. Commitment to Data Protection

We recognise the importance of protecting your personal data. We are committed to:

Collecting only the data necessary for legitimate business and operational purposes.
Using your personal data only in ways consistent with the purposes disclosed to you.
Safeguarding your information with reasonable technical and organisational measures.
Respecting your rights under the PDPA, including your right to access, correction, and withdrawal of consent.

3. Information We Collect

When you interact with our Website, we may collect the following categories of personal data:

3.1 Personal Data You Provide

Full name
Email address
Contact number
Occupation and demographic details (if voluntarily provided)
Messages, enquiries, or feedback submitted through forms
Any documents or attachments you provide

3.2 Usage Data

We may automatically collect information about how the Website is accessed and used, including:

IP address and approximate geolocation
Browser type, version, and settings
Device type, operating system, and identifiers
Pages visited, time spent, and navigation paths
Referring websites or search terms used to find us

3.3 Tracking & Cookies Data

We use cookies, scripts, pixels, and similar technologies for:

Session management
Preference storage (e.g., language, layout)
Analytics and traffic measurement
Marketing and retargeting
Examples include:
Session Cookies – temporary cookies that expire when you close your browser.
Preference Cookies – used to remember your preferences.
Security Cookies – used for fraud prevention and account protection.
You may block cookies via browser settings, but this may limit certain features of the Website.

4. How We Use Your Data

We use collected data for the following purposes:

To operate and maintain the Website.
To provide, improve, and customise the Service.
To notify you of changes to our Service or policies.
To respond to enquiries, complaints, or requests.
To allow you to participate in interactive features (e.g., calculators, tools, forms).
To connect you with MAS-licensed financial advisers when you submit an adviser enquiry.
To conduct analytics, reporting, and research.
To detect, prevent, and address technical or security issues.
To comply with legal and regulatory obligations.
To send you marketing communications (with your consent).

5. Sharing and Disclosure of Data

We will not sell or rent your personal data. However, we may disclose your personal data:

To MAS-licensed financial advisers: When you request a connection, your details (name, contact, enquiry) will be shared so they may reach out.
To third-party service providers: For hosting, analytics, customer support, or marketing services.
To regulators or authorities: Where required under Singapore law (e.g., MAS, PDPC).
To enforce our rights: In cases of fraud, unlawful use, or contractual breach.
In corporate transactions: If we merge, acquire, or transfer assets, your data may be part of the transferred assets.

6. Transfer of Data

Your personal data may be transferred to and stored on servers located outside Singapore. Where such transfers occur, we will ensure compliance with PDPA requirements, including comparable protection standards and contractual safeguards.
By providing your data, you consent to such international transfers.

7. Security of Data

We adopt reasonable security measures to protect your data, including:

Encrypted transmission (HTTPS/SSL).
Secure servers with access controls.
Regular vulnerability testing.
Restricted employee access on a need-to-know basis.
However, no method of transmission or storage is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

8. Retention of Data

We will retain personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Once no longer needed, data will be securely deleted or anonymised.

9. Analytics and Tracking

We may use third-party analytics and advertising services, including but not limited to:

Google Analytics – to measure traffic and usage patterns.
Meta (Facebook/Instagram) – for targeted advertising.
TikTok Pixel – for campaign measurement.
These third parties may set their own cookies or collect data in accordance with their own privacy policies.

10. Your Rights Under the PDPA

As a user in Singapore, you have the right to:

Access – request a copy of personal data held about you.
Correction – request that inaccurate or incomplete data be corrected.
Withdrawal of Consent – withdraw consent to data collection and use (subject to legal or contractual limitations).
Data Portability – request transfer of data in machine-readable format, where applicable.

Requests may be submitted to dpo@singaporefinance.sg. We may require reasonable verification of identity before processing.

11. Children’s Privacy

The Website is not directed at individuals under 18 years old. We do not knowingly collect personal data from minors. If you are a parent or guardian and believe your child has provided data, please contact us immediately for deletion.

12. Third-Party Sites

The Website may link to external sites we do not control. We are not responsible for the privacy practices of such third parties. You are encouraged to review their privacy policies before providing personal data.

13. Disclaimer on Financial Information

Content on the Website is for educational purposes only.
We are not licensed to provide financial advice.
Any connection to advisers is an intermediary service only.
Engagement with advisers is strictly between you and them; we assume no liability.

14. Changes to This Policy

We may update this Privacy Policy at any time. Changes will be posted on this page with an updated “Effective Date”. Substantive changes may be notified via email or prominent notice. Continued use of the Website after such updates constitutes acceptance.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact our Data Protection Officer (DPO):
📧 dpo@singaporefinance.sg