Privacy Policy

1. Introduction

PericPodar ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial planning services.

By accessing our website or using our services, you consent to the collection and use of your information as described in this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Name, address, email address, and phone number
• Financial information including income, assets, and investment goals
• Employment information and financial objectives
• Government-issued identification numbers (as required by regulation)
• Banking and investment account details

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our website
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing financial planning and investment advisory services
• Communicating with you about our services and your account
• Complying with legal and regulatory requirements
• Improving our website and services
• Sending marketing communications (with your consent)
• Fraud prevention and security purposes

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, subject to confidentiality agreements.

4.2 Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect our rights and interests.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Employee training on data protection
• Limited access to personal information on a need-to-know basis
• Secure data centers and network infrastructure

6. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. You can control cookie settings through your browser preferences. For more information, please see our Cookie Policy.

7. Your Rights

Under Singapore's Personal Data Protection Act (PDPA), you have the following rights:

• Right to access your personal information
• Right to correct inaccurate information
• Right to withdraw consent for marketing communications
• Right to request deletion of your information (subject to legal requirements)
• Right to data portability

To exercise these rights, please contact us using the information provided below.

8. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial records may be retained for extended periods as required by regulation.

9. International Data Transfers

Your personal information may be transferred to and processed in countries other than Singapore. We ensure that such transfers comply with applicable data protection laws and include appropriate safeguards.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.

13. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us:

14. Regulatory Information

PericPodar is licensed and regulated by the Monetary Authority of Singapore. This Privacy Policy is designed to comply with the Personal Data Protection Act 2012 and other applicable Singapore regulations.