Privacy Policy

1. Introduction

Segnadeidr Financial Management Pte Ltd ("we," "us," or "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website segnadeidr.com and use our financial services.

This policy is designed to comply with the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable data protection laws.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Name, email address, phone number, and mailing address
• NRIC/FIN number and other identification documents
• Financial information including income, assets, investment objectives
• Employment details and professional information
• Bank account details and transaction history
• Investment preferences and risk tolerance

2.2 Technical Information

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

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

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing financial advisory and wealth management services
• Conducting financial planning and investment analysis
• Processing transactions and maintaining client accounts
• Complying with regulatory requirements and legal obligations
• Communicating with you about our services and market updates
• Improving our website and services
• Preventing fraud and ensuring security
• Marketing our services (with your consent)

4. Legal Basis for Processing

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

• Consent: Where you have given clear consent for specific purposes
• Contract: To fulfill our contractual obligations in providing financial services
• Legal Obligation: To comply with MAS regulations and other legal requirements
• Legitimate Interests: For business operations and improving our services

5. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party vendors who assist in our operations
• Financial Institutions: Banks, fund managers, and insurance companies
• Regulatory Bodies: MAS, IRAS, and other government agencies as required
• Legal Advisors: Lawyers and accountants as necessary
• Business Partners: With your explicit consent for specific services

We do not sell your personal information to third parties for marketing purposes.

6. Data Security

We implement robust security measures to protect your personal information:

• Encryption of sensitive data during transmission and storage
• Secure servers with restricted access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection and confidentiality
• Multi-factor authentication for system access

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide ongoing financial services
• Comply with legal and regulatory requirements (typically 5-7 years)
• Resolve disputes and enforce agreements
• Protect against fraud and abuse

After the retention period, we securely delete or anonymize your personal data.

8. Your Rights

Under Singapore's PDPA, you have the following rights:

• Access: Request copies of your personal data
• Correction: Request correction of inaccurate or incomplete data
• Withdrawal of Consent: Withdraw consent for data processing (where applicable)
• Data Portability: Request transfer of your data to another organization
• Restriction: Request limitation of data processing in certain circumstances

To exercise these rights, please contact our Data Protection Officer at [email protected].

9. Cookies Policy

Our website uses cookies to enhance your browsing experience. We use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: To understand website usage patterns
• Marketing Cookies: To deliver relevant advertisements

You can manage cookie preferences through our cookie consent banner or browser settings. For detailed information, please refer to our Cookie Policy.

10. International Transfers

We may transfer your personal data to countries outside Singapore for service delivery. When we do so, we ensure:

• Adequate protection through appropriate safeguards
• Compliance with Singapore's PDPA requirements
• Contractual protections with third-party recipients
• Your explicit consent where required

11. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after such modifications constitutes acceptance of the updated policy.

12. Contact Information

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

13. Complaints

If you believe we have not handled your personal data in accordance with this policy, you may file a complaint with:

• Our Data Protection Officer at [email protected]
• Personal Data Protection Commission Singapore (PDPC)
• Monetary Authority of Singapore (MAS) for financial services matters