Privacy Policy

1. Introduction

SingaWealth Financial Management ("we," "our," or "us") is committed to protecting your privacy and safeguarding your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://oblepihovaya-sosiska.com (the "Site") or engage with our financial management services.

We are committed to complying with the Personal Data Protection Act 2012 (PDPA) of Singapore and all other applicable data protection laws. By accessing our Site or using our services, you consent to the practices described in this policy.

2. Information We Collect

We may collect the following types of information:

2.1 Personal Data

Personal data refers to data about an individual who can be identified from that data. This may include:

• Contact information (name, email address, phone number, postal address)
• Identification information (NRIC, passport number, date of birth)
• Financial information (income, assets, liabilities, tax information)
• Employment information
• Investment preferences and risk tolerance
• Family information (marital status, dependents)

2.2 Technical Data

When you visit our Site, we may automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent on pages, links clicked)
• Location data
• Cookies and similar technologies (see our Cookie Policy)

3. How We Collect Information

We collect information through:

• Direct interactions (when you contact us, subscribe to our newsletter, or fill out forms)
• Client onboarding processes
• Automated technologies (cookies, server logs)
• Third parties (business partners, service providers, public databases)

4. How We Use Your Information

We use your information for the following purposes:

• To provide and manage our financial services
• To create and manage your account
• To process transactions and send related information
• To provide customer support
• To send administrative information (service announcements, updates)
• To send marketing communications (if you have opted in)
• To improve our website and services
• To conduct research and analysis
• To comply with legal obligations
• To detect, prevent, and address technical or security issues

5. Disclosure of Your Information

We may disclose your information to:

• Service providers who perform services on our behalf
• Financial institutions and partners to facilitate transactions
• Professional advisors (lawyers, accountants, insurers)
• Regulatory authorities, government agencies, and law enforcement
• Third parties in connection with a business transaction (merger, acquisition, sale of assets)

We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

6. Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. These measures include:

• Encryption of sensitive data
• Secure network architecture and firewalls
• Regular security assessments
• Access controls and authentication procedures
• Staff training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

7. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements.

In some circumstances, we may anonymize your personal data so that it can no longer be associated with you, in which case we may use such information without further notice to you.

8. Your Rights

Under the PDPA and other applicable laws, you have rights in relation to your personal data, including:

• The right to access your personal data
• The right to correct inaccurate personal data
• The right to withdraw consent to processing
• The right to request deletion of your personal data
• The right to object to processing of your personal data
• The right to data portability

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

9. International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country.

If we transfer your personal data outside of Singapore, we will ensure that appropriate safeguards are in place to protect your personal data in accordance with the PDPA.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If you are a parent or guardian and believe your child has provided us with personal data, please contact us, and we will take steps to delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Last updated" date. We encourage you to review this Privacy Policy frequently to stay informed about how we are protecting your information.

12. Contact Us

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