Privacy Policy

1. Introduction

This Privacy Policy explains how information may be collected, used, stored, and protected when this website is accessed. The website provides informational content about financial discipline in daily household life and may be used without registration, account creation, or payment. Personal data is processed only when a user voluntarily enters information in the contact form or sends a message using the contact details shown on the website. Processing of personal data follows the principles of the Personal Data Protection Act 2012 (PDPA) of Singapore, including transparency, purpose limitation, and data minimisation. This policy describes what data may be collected, why it may be used, and how reasonable security measures are applied.

2. Information That May Be Collected

The website does not require personal data for reading the content. Personal data may be provided only when the user fills in the contact form on the Contact page. The contact form contains the following fields: Name, Phone, and Message. The information entered by the user is sent only for the purpose of general communication related to the website. Technical data such as browser type, device information, or basic connection data may also be collected automatically for normal operation of the site. The website does not request identification numbers, payment details, or financial information.

3. Purpose of Processing

Personal data is used only for limited purposes related to communication and technical operation of the website. These purposes include responding to messages sent through the contact form, maintaining the stability of the website, preventing misuse of the form, and keeping communication records when necessary for normal administration. The website does not use personal data for profiling, automated decision making, or personalised advertising. Interaction with video advertising is not used to create user profiles, and the website does not perform tracking for marketing purposes.

4. Legal Basis for Processing

Personal data is processed on the basis of consent given by the user when the contact form is submitted. By sending a message, the user confirms that the entered information may be processed for the purposes described in this policy. Processing may also take place when it is reasonably necessary for the operation, maintenance, or security of the website, as permitted under the Personal Data Protection Act 2012 (PDPA). If consent is withdrawn, future processing will stop unless retention is required for operational or legal reasons related to the use of the website.

5. Storage and Retention

Personal data is stored only for the period required to review the message and provide a response. Information may be kept longer when it is necessary for technical or administrative reasons related to the operation of the website. Access to stored data is limited to authorised persons responsible for maintaining the site. When the information is no longer required, it may be removed or anonymised. The website does not keep personal data for longer than reasonably necessary for the stated purposes.

6. Protection of Information

Reasonable administrative and technical measures are used to protect personal data from unauthorised access, disclosure, or loss. These measures may include restricted access to stored information, use of secure systems, monitoring of technical activity, and regular review of stored data. Absolute security cannot be guaranteed, but reasonable steps are taken to maintain confidentiality and integrity of the information provided through the contact form.

7. Disclosure of Data

Personal data is not sold, rented, or shared for commercial use. Information may be disclosed only when necessary for technical operation of the website, for hosting services, or for maintenance of the system. External service providers may process data only for the purpose of supporting the website and must keep the information confidential. Disclosure may also occur when it is required for lawful operation of the site or to maintain system security.

8. Transfer of Data Outside Singapore

The website may use technical hosting services that store information on servers located outside Singapore. When such transfer is required, reasonable steps are taken to ensure that the data receives a level of protection comparable to the protection required under the Personal Data Protection Act 2012 (PDPA). Only the minimum amount of data necessary for website operation is transferred.

9. User Rights

A user who has submitted personal data through the contact form may request access to that data or request correction of inaccurate information. A user may also withdraw consent for future processing. Requests may be sent using the contact details shown at the beginning of this policy. The website may require reasonable time to review the request before making changes. Some information may be retained when necessary for technical or administrative reasons.

10. Children’s Information

The website contains general informational content and is not intended to collect personal data from children. A person between 13 and 17 years of age may provide consent if the person understands the nature of the request. In other situations, consent from a parent or legal guardian may be required. For children under 13, personal data should not be submitted without involvement of a parent or legal representative. The website does not intentionally collect personal data from children without appropriate consent.

11. Changes to This Policy

This Privacy Policy may be updated when changes are made to the website or when it is necessary to reflect legal requirements in Singapore. The current version will always be shown on this page with the updated date. Continued use of the website after changes means that the user has read the updated policy.

For more information, please use the contact details provided above.