MoneyGuideSg takes your privacy very seriously and is committed to protect it. This privacy policy (the “Policy”) contains important information about the collection and use of your personal data. This Policy is intended to describe the information collected about you, how such information may be used, and with whom it may be disclosed. This Policy applies to information submitted via our website at www.moneyguidesg.com (the “Site”) and does not apply to the collection of information from other sources. By using the Site and the Services, you consent to the practices described in this Policy. 

 

Through the Site, Services and use of cookies in the Site, MoneyGuideSg collects:

(a) personally identifiable information, including, but not limited to, your email address, date of birth, name or contact number, depending on the activities and Services you use on the Site. The amount and specific type of information MoneyGuideSg collects depends on the nature of the interaction. For example, you may be asked to provide your email address or contact number when signing up for a certain service provided on the Site; and

(b) non-personally identifiable information, such as demographic information which includes age and gender;

 

There may also be information about your browser that is automatically collected. This information can, but is not limited to, include: Your IP address, browser type and language, domain names, access times and referring Web site addresses.

 

Like most website operators, MoneyGuideSg uses “Cookies” that allow us to distinguish website visitors and provide more personalized content, advertising and experience for its users, by collecting standard Internet log information and visitor behavior information. Such cookies collect information that includes, but not limited to, your activities on the Site, webpages your visited and website access preferences. You have the ability to accept of decline cookies. Most Web browsers automatically accept cookies, therefore should you wish to decline cookies, please do so by modifying your browser settings before using the Site. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Site. By continuing to use the Site without modifying your cookie settings, you hereby acknowledge and agree to MoneyGuideSg’s use of cookies.

 

MoneyGuideSg collects the above information to best provide its Services to its users and better understand visitors’ use of the Site. While MoneyGuideSg strives to safeguard your Personal Information, you should be aware that the use of the Internet is not entirely secure and therefore, we cannot guarantee the absolute security of any information transferred from you or to you via the Internet. 

 

Your information may be used by MoneyGuideSg for the following purposes:

(a) to operate the Site and deliver the products and/or services you have requested;

(b) to inform you of other products or services provided by MoneyGuideSg and external advertising parties related to MoneyGuideSg;

(c) to provide you with customer support;

(d) to perform research and analysis about your use of, or interest, in our content and Services,

(e) to communicate with you by email, telephone, and/or mobile devices, about products or services you have requested, expressed interest in, or may be of interest to you, either from MoneyGuideSg or other third parties that we liaise with, including but not limited to, banks, insurance firms and other financial institutions. These third parties may have access to such information needed to perform their functions, in connection with your interest and/or use of the Site’s Services, but are not permitted to share or use such information for any other purpose.

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Your individual personal data and privacy are important to us. We will take reasonable steps to protect your personal data and to avoid unauthorized access. 

 

1. Your Personal Data

The Personal Data Protection Act 2012 of Singapore (“PDPA”) governs the collection, use and disclosure of individuals’ personal data by organisations in a manner that recognises both the right of individuals to protect their personal data and the need of organisations to collect, use and disclose personal data for purposes that a reasonable person would consider appropriate in the circumstances.

Personal data is defined in the PDPA as “data, whether true or not, about an individual who can be identified —

a) from that data; or

b) from that data and other information to which the organisation has or is likely to have access.”

1.1 Examples of such personal data that may be collected from you include but are not limited to:

a. your full name, email address and your telephone number(s) and any other information relating to you; and

b. personal data of your family members, such as next of kin, spouses, and children or other beneficiaries

 

2. Purpose of Collection of Personal Data

2.1 Such personal data will be collected, used, disclosed and/or processed for purpose(s) such as:

a. providing product advise specific to the content on our website;

b. keeping you informed of new products which may be relevant to you;

c. compliance monitoring and audit reviews; due diligence checks; and

d. compliance with any applicable laws and regulations.

Third party personal data (such as spouse, children and parents) provided by you for the purpose of but not limited to, the fact find process or naming as beneficiaries / life assureds in any policy application, is deemed that you have obtained consent from the third party.

 

3. Disclosure of Personal Data

3.1 We will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be disclosed. to the following groups (not an exhaustive list):

a. our financial adviser representatives;

b. our business partners, the insurers;

c. to third party service providers we may engage to provide services such as marketing and research, telemarketing, printing, mail distribution, information technology and disaster recovery;

d. regulators or law enforcement agencies to comply with applicable laws or regulation or upon their valid request.

 

4. Marketing/Optional Purposes

4.1 From time to time, we may contact you via mail, electronic mail or telephone (call or SMS/Whatsapp), to inform you about new products, services and events that we think may be of interest to you.

4.2 You can let us know at any time by emailing us at moneyguidesg@gmail.com if you no longer wish to receive marketing materials and we will remove your details from our direct marketing database.

4.3 Please note that we may still send you non-marketing messages such as surveys, customer-service notices and other service related notices

 

5. Use of Cookies

5.1 A “cookie” is a small piece of information that is placed on your computer when you visit certain websites.

5.2 Cookies are used by the computer to remember your browsing preference, keep track of your interaction with the website and collect data for access analytics purposes.

 

6. Protection of your Personal Data

6.1 Your Personal Data is protected from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks by having reasonable safeguards in place that are appropriate to the sensitivity of the data.

 

7. Change of Policy

7.1  moneyguidesg@gmail.com may revise and update the Policy to take into account changes in our business and/or any changes in legal or regulatory requirements.

 

8. Your Rights

8.1 You have the right to ask Moneyguidesg not to process your personal data for marketing purposes. Moneyguidesg will usually inform you (before collecting your data) if it intends to use your data for such purposes or if it intends to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing through written notice to Moneyguidesg at moneyguidesg@gmail.com. The Website may, from time to time, contain links to and from the websites of its partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that Moneyguidesg does not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

8.2 You may choose to stop receiving or change the frequency of email, direct mail, phone and mobile marketing communications. You can update and correct your personal information anytime using by sending Moneyguidesg a message via Contact Us within the Website, or by contacting Moneyguidesg at moneyguidesg@gmail.com.

 

9. Contact Information

9.1 If you wish to unsubscribe to withdraw consent, or have any questions or comments regarding the Policy, please contact us at moneyguidesg@gmail.com

 

The Site may contain links to other websites. This Policy only applies to the Site. MoneyGuideSg encourages you to review the privacy statements of websites you choose to link to from the Site and/or the Services so that you can understand how those websites collect, use and share your information. We are not responsible for the privacy statements or other content on websites outside of the Site and the Services.

 

MoneyGuideSg keeps the Policy under regular review and may change the Policy in its sole discretion. Any changes will be posted on this page, hence we encourage website visitors to frequently check this page for any changes to the Policy. Your continued use of the Site after any change will constitute your acceptance of such change.