Privacy Policy

This Privacy Policy explains how SG Retirement Planners Pte Ltd collects, uses, and discloses your personal data when you use our site or services. We are committed to protecting your privacy and handling your data responsibly in accordance with applicable data protection laws.

Who We Are

We are SG Retirement Planners Pte Ltd, a company registered at 16 Raffles Quay, Level 25, Singapore, 048581, Singapore. We provide financial services including Pension Fund Management, Retirement Financial Planning, Annuity Services, CPF Advisory, Investment Management for Retirement, Wealth Preservation, and Estate Planning Integration.

Personal Data We Collect

We collect personal data from you when you interact with our site or use our services. This may include:

• Identification and contact information: Such as your name, address, phone number, email address, date of birth, and identification details.
• Financial and investment information: Details about your income, assets, liabilities, investment preferences, risk tolerance, and financial history relevant to retirement and financial planning.
• Employment and professional information: Details about your employment status, employer, and professional background.
• Information related to your use of our services: Records of the services you have used, your interactions with us, and your communications.
• Technical data: Information about your visit to our site, including your IP address, browser type, operating system, referral source, length of visit, and page views.

We collect this data directly from you when you provide it to us (e.g., through forms, applications, or communications) and automatically as you navigate our site.

How We Use Your Personal Data

We use your personal data for various purposes, including:

• To provide our services to you: This includes assessing your financial situation, developing retirement plans, managing investments, and providing advice related to pensions, CPF, annuities, wealth preservation, and estate planning integration.
• To communicate with you: Responding to your inquiries, providing updates on your services, and sending you important notices.
• To manage our relationship with you: Administering your accounts and records, and managing our business operations related to providing services.
• To improve our services and site: Analyzing site usage, understanding client needs, and enhancing our offerings and platform functionality.
• For legal and regulatory compliance: Meeting our obligations under applicable laws and regulations, including financial services regulations, anti-money laundering laws, and data protection laws.
• For security purposes: Protecting our site, systems, and data from fraud and other illegal activities.
• With your consent: For specific purposes for which we obtain your explicit consent, such as sending you marketing communications about services that may interest you (you can withdraw consent at any time).

Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Performance of a contract: Processing necessary to provide the services you have requested or to enter into a contract with you.
• Legal obligation: Processing necessary to comply with legal and regulatory requirements applicable to our financial services business.
• Legitimate interests: Processing necessary for our legitimate interests, such as improving our services, managing our business, ensuring security, and detecting fraud, provided these interests do not override your fundamental rights and freedoms.
• Consent: Where you have given explicit consent for specific processing activities.

Sharing and Disclosure of Your Personal Data

We may share your personal data with:

• Our employees and authorized representatives: Who need the data to perform their job duties related to providing services to you.
• Third-party service providers: Who perform services on our behalf, such as IT support, cloud hosting, data analytics, or professional advisors (e.g., auditors, lawyers). These providers are contractually bound to protect your data and use it only for the purposes for which it was shared.
• Regulatory authorities and government bodies: As required by law or regulation, or to comply with court orders or legal processes.
• Other parties with your consent: Where you have agreed to the sharing of your data.

We do not sell your personal data to third parties.

Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period will vary depending on the type of data and the purpose of processing.

Your Rights

Under applicable data protection laws, you may have certain rights regarding your personal data, including:

• The right to access: Request a copy of the personal data we hold about you.
• The right to rectification: Request correction of inaccurate or incomplete data.
• The right to erasure: Request deletion of your data under certain circumstances.
• The right to restrict processing: Request limitation on how we use your data.
• The right to object to processing: Object to our processing of your data under certain conditions.
• The right to data portability: Request to receive your data in a structured, commonly used, and machine-readable format and to transmit it to another controller.
• The right to withdraw consent: Where we rely on your consent for processing, you have the right to withdraw it at any time.

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

Cookies and Similar Technologies

Our site may use cookies and similar technologies to enhance your user experience, analyze site usage, and for other operational purposes. You can manage your cookie preferences through your browser settings.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our data practices, you may contact us at the following address:

SG Retirement Planners Pte Ltd
16 Raffles Quay, Level 25
Singapore, 048581
Singapore