Privacy Policy

SingaFuture Wealth & Retirement is committed to protecting the privacy and security of the personal information entrusted to us. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you use our online platform and services. We adhere to applicable data protection laws, including the General Data Protection Regulation (GDPR) and other relevant privacy regulations.

Information We Collect

When you use our site or engage with our services, we may collect various types of information, including:

• Personal identification information: Name, date of birth, contact details.
• Financial information: Income, assets, liabilities, investment details, bank account information, tax information, CPF/pension details.
• Information related to our services: Details about your retirement goals, financial planning needs, risk tolerance, and other information necessary to provide tailored advice and services.
• Technical information: IP address, browser type, operating system, usage patterns on our site. This information is generally non-identifying but may be linked to your identity when combined with other information you provide.

How We Use Your Information

We use the information we collect for the following purposes:

• To provide and deliver our services, including retirement needs analysis, pension and CPF planning, retirement income strategies, investment portfolio management, annuity solutions, wealth preservation, estate planning integration, pre and post-retirement financial management, and financial literacy workshops.
• To manage your account and relationship with us.
• To communicate with you about your services, updates, and relevant information.
• To process transactions and manage payments.
• To comply with legal and regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.
• To improve our services and user experience.
• To protect against fraud, unauthorized transactions, and other liabilities.
• For internal business purposes, such as data analysis, audits, and developing new services.

Lawful Basis for Processing (if applicable under GDPR/similar laws)

We process personal data based on one or more lawful bases, including:

• The necessity of processing for the performance of a contract for services with you.
• Compliance with legal obligations to which we are subject.
• Your explicit consent, where required.
• Our legitimate interests, provided these do not override your fundamental rights and freedoms.

Sharing Your Information

We may share your information with third parties under specific circumstances:

• Service Providers: We may share information with trusted third parties who provide services on our behalf, such as IT support, data storage, compliance checks, or payment processing. These providers are obligated to protect your information and use it only for the purposes for which it was shared.
• Legal and Regulatory Authorities: We may disclose your information if required by law, regulation, or legal process, or to respond to requests from government or regulatory authorities.
• Business Partners: With your consent, we may share information with partners involved in providing related services.
• In the event of a business transfer: If SingaFuture Wealth & Retirement is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such transfer.

We do not sell your personal information to third parties.

Data Security

We implement robust technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Given the sensitive nature of financial information, we employ industry-standard security practices. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period will depend on the nature of the information, the purpose of processing, and legal/regulatory obligations.

International Data Transfers

Your information may be stored and processed in countries other than where you reside. We take steps to ensure that any transfer of personal data across borders complies with applicable data protection laws, such as implementing appropriate safeguards like standard contractual clauses where required.

Your Rights

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal information, including:

• The right to access your personal information.
• The right to request rectification of inaccurate or incomplete information.
• The right to request erasure of your information under certain circumstances.
• The right to restrict the processing of your information.
• The right to object to the processing of your information.
• The right to data portability (receiving your information in a structured, commonly used format).
• The right to withdraw consent at any time, where processing is based on consent.

To exercise these rights, please contact us using the details provided below. We may require you to verify your identity before processing your request.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will indicate the date of the last revision. Your continued use of our site or services after any changes indicates your acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, you may contact us at our physical address: