1. General Information
This Privacy Policy describes how personal data may be collected, used, stored, and protected when the website is accessed. The website provides informational content related to the structure of family finances and the description of everyday household expenses. The site does not provide services, transactions, or personalised functions.
Personal data is processed in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore, the Spam Control Act 2007, and the Electronic Transactions Act 2010. Processing of data is limited to purposes that are clearly described in this policy and is performed using reasonable organisational and technical measures.
Use of the website is possible without providing personal data, except when a user voluntarily submits information through the contact form.
2. Types of Personal Data
The website may collect personal data only when it is voluntarily provided by the user. This may include:
- Name
- Email address
- Subject of message
- Message content
No additional personal information is required to view the website. The site does not request financial data, identification numbers, or account credentials.
Information automatically generated during website access may include technical data such as browser type, device information, and general usage data. This information is used only for technical operation and security of the website.
3. Purpose of Data Processing
Personal data is processed only for the following purposes:
- Responding to messages sent through the contact form
- Maintaining the technical operation of the website
- Ensuring basic security and stability
- Keeping communication records when necessary
Personal data is not used for advertising, profiling, or automated decision-making.
The website does not create user profiles based on interaction with video advertising and does not use personalised advertising.
Processing of personal data is based on consent when information is submitted through the contact form or when it is required for technical operation of the website as permitted by applicable law.
4. Consent and Withdrawal of Consent
When personal data is submitted through the contact form, the user confirms consent to the processing of the provided information for communication purposes.
Consent may be withdrawn at any time by contacting the website using the contact details listed above. After withdrawal of consent, personal data will no longer be used except where retention is required for legal or technical reasons.
5. Access and Correction
A user may request access to personal data that has been provided through the contact form.
A user may also request correction of inaccurate or incomplete information.
Requests related to access or correction may be sent using the contact details provided in this policy. The website may require sufficient information to verify the request before making changes.
6. Data Storage and Retention
Personal data is stored only for the period necessary to respond to the message or to maintain communication records.
After this period, data may be deleted or anonymised unless storage is required for technical or legal reasons.
Data is stored using reasonable administrative and technical safeguards designed to protect against unauthorised access, loss, or misuse.
7. Disclosure of Personal Data
Personal data is not sold, rented, or shared for marketing purposes.
Information may be disclosed only when necessary for:
- Technical operation of the website
- Hosting and communication services
- Compliance with applicable law
- Protection of the website against misuse or security risks
When third-party technical providers are used, they process data only for the purposes described in this policy.
8. Transfer of Data
In some cases, data may be processed by technical service providers located outside Singapore.
When such processing occurs, reasonable steps are taken to ensure that the data receives a level of protection comparable to the requirements of the Personal Data Protection Act 2012 (PDPA).
9. Data of Minors
The website is intended for general informational use.
If personal data of a person between 13 and 17 years of age is submitted, the individual should understand the nature and purpose of the submission.
If the individual is not able to provide valid consent, consent of a parent or legal guardian may be required.
For children under 13 years of age, submission of personal data should be made only with involvement of a parent or legal guardian.
The website does not intentionally collect personal data from children.
10. Security Measures
Reasonable technical and organisational measures are applied to protect personal data from unauthorised access, alteration, disclosure, or loss.
These measures may include secure connections, restricted access to stored data, and monitoring of technical systems.
No method of transmission over the internet can be guaranteed to be completely secure, but appropriate safeguards are applied to reduce risk.
11. Changes to This Policy
This Privacy Policy may be updated when necessary to reflect changes in the website or applicable law.
The updated version will be published on this page with the revised date. Continued use of the website after changes means that the updated policy applies.
For more information, please use the contact details provided above.
