Privacy Policy

SGFinance respects your privacy and is committed to handling personal data responsibly.

This Privacy Policy explains how SGFinance collects, uses, discloses, stores and protects personal data when you visit SGFinance.io, subscribe to our communications, contact us or otherwise interact with our website and services.

SGFinance is a financial education and media platform. We do not provide personalised financial advice, operate financial accounts or process investment transactions.

1. Information we may collect

Depending on how you use our website, we may collect the following information:

Information you provide directly

This may include:

  • your name;
  • email address;
  • company or organisation name;
  • information submitted through contact forms;
  • newsletter subscription details;
  • feedback, correction requests or partnership enquiries;
  • messages and attachments you voluntarily send to us.

Please do not submit sensitive personal or financial information, including:

  • NRIC or passport numbers;
  • bank or brokerage account numbers;
  • passwords or one-time passwords;
  • payment-card information;
  • account statements;
  • personal portfolio details;
  • medical or insurance records.

Information collected automatically

When you visit SGFinance.io, certain technical information may be collected automatically, such as:

  • IP address;
  • browser type;
  • device type;
  • operating system;
  • referring website;
  • pages viewed;
  • time spent on pages;
  • approximate location based on IP address;
  • cookie identifiers;
  • website-performance and interaction data.

2. How we use personal data

We may use personal data for purposes including:

  • responding to enquiries, feedback and correction requests;
  • sending newsletters or updates you have requested;
  • managing subscriptions and unsubscribe requests;
  • reviewing partnership, sponsorship or media enquiries;
  • operating, securing and improving SGFinance.io;
  • analysing website traffic and content performance;
  • detecting spam, fraud, abuse or security incidents;
  • maintaining records and complying with legal obligations;
  • enforcing our website terms and protecting our legal rights.

We will not use personal data for purposes that are materially different from those stated without notifying you or obtaining consent where required.

3. Newsletter and marketing communications

When you subscribe to the SGFinance newsletter, we may use your email address to send educational articles, website updates and other communications you requested.

You may unsubscribe at any time by:

After an unsubscribe request, we may retain limited information to record and respect your preference.

We do not send personalised investment recommendations through our newsletter.

4. Cookies and similar technologies

SGFinance.io may use cookies and similar technologies to:

  • keep the website functioning properly;
  • remember user preferences;
  • understand website usage;
  • measure page performance;
  • improve content and navigation;
  • support security and spam prevention;
  • measure advertising or campaign performance, where applicable.

Cookies may be placed by SGFinance or third-party service providers.

You may control or delete cookies through your browser settings. Disabling certain cookies may affect some website functions.

Where required, we will provide cookie choices through a cookie notice or consent-management tool.

5. Analytics

We may use analytics services such as [Google Analytics / other analytics provider] to understand how visitors use SGFinance.io.

Analytics providers may collect information such as:

  • pages visited;
  • visit duration;
  • device and browser information;
  • approximate geographic location;
  • referral source;
  • interactions with website features.

Where available, we will use reasonable privacy settings, data-minimisation options and retention controls.

6. Contact forms and anti-spam tools

Information submitted through our contact forms may be processed by:

  • our WordPress hosting provider;
  • our contact-form provider;
  • email-delivery services;
  • spam-prevention or security services.

Messages may be retained for as long as reasonably necessary to respond, maintain records, handle disputes or comply with legal requirements.

7. Embedded content and external platforms

Articles may contain embedded or linked content from third-party platforms such as:

  • TikTok;
  • YouTube;
  • Instagram;
  • Facebook;
  • X;
  • other news, government or financial-information websites.

Embedded content may behave as though you visited the third-party website directly. Those platforms may collect data, use cookies or track interactions according to their own privacy policies.

SGFinance does not control the privacy practices of external websites or platforms.

8. Advertising and sponsored content

SGFinance may publish advertisements, sponsored educational content or partnership campaigns.

Advertising or measurement partners may use cookies or similar technologies to measure reach, engagement or campaign performance, subject to applicable requirements and your cookie choices where relevant.

Sponsored content will be clearly identified. Commercial relationships do not change the educational nature of our content and do not authorise advertisers to access messages you send directly to SGFinance unless you are clearly informed.

We do not sell personal data to advertisers.

9. When we may disclose personal data

We may disclose personal data to service providers that support our operations, including:

  • website-hosting providers;
  • cloud and storage providers;
  • email and newsletter providers;
  • website analytics providers;
  • security and anti-spam providers;
  • professional advisers;
  • contractors maintaining the website.

These parties should receive only information reasonably necessary to perform their services.

We may also disclose information where reasonably necessary:

  • to comply with law, regulation, court orders or lawful requests;
  • to investigate security incidents, fraud or misuse;
  • to protect SGFinance, our users or other persons;
  • in connection with a genuine business restructuring, subject to appropriate safeguards.

10. Overseas processing and transfers

Some service providers may store or process information outside Singapore.

Where personal data is transferred overseas, SGFinance will take reasonable steps to ensure that it receives a standard of protection comparable to the protection required under Singapore law, where applicable.

11. Data retention

We retain personal data only for as long as reasonably necessary for the purposes for which it was collected, including legal, operational, security and record-keeping needs.

Retention periods may vary according to the type of information. When information is no longer required, we will take reasonable steps to delete, anonymise or securely dispose of it.

12. Data security

We use reasonable administrative, technical and organisational safeguards to protect personal data against:

  • unauthorised access;
  • accidental loss;
  • misuse;
  • alteration;
  • disclosure;
  • destruction.

These safeguards may include access controls, secure hosting, software updates, backups, malware protection and encryption where appropriate.

No internet transmission or storage system is completely secure. We therefore cannot guarantee absolute security. PDPC guidance recommends that organisations apply suitable technical and organisational safeguards to protect electronically stored personal data. (PDPC)

13. Access and correction requests

Subject to applicable law, you may contact us to request:

  • access to personal data held about you;
  • information about how it has been used or disclosed;
  • correction of inaccurate or incomplete personal data.

We may need to verify your identity before processing a request. Certain legal exceptions, procedural requirements or reasonable fees may apply.

14. Withdrawal of consent

You may withdraw consent to the collection, use or disclosure of your personal data by contacting us.

We will explain any likely consequences of withdrawal where relevant. Withdrawal may affect our ability to provide certain services, such as sending a requested newsletter or responding through a particular channel. The PDPC states that individuals may withdraw consent with reasonable notice and should be informed of the likely consequences. (PDPC)

15. Children’s privacy

SGFinance is intended for a general audience and is not designed specifically for children.

We do not knowingly seek to collect personal data from children. A parent or guardian who believes that a child has submitted personal data may contact us to request its review or deletion.

16. External links

SGFinance.io contains links to external websites.

We are not responsible for the content, security or privacy practices of those websites. You should review the privacy policy of each external service before providing personal data.

17. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in:

  • our website or services;
  • technology;
  • service providers;
  • legal or regulatory requirements;
  • data-protection practices.

The updated policy will be published on this page with a revised “Last updated” date. Material changes may also be communicated through the website or other appropriate channels.

18. Data-protection contact

For privacy questions, access or correction requests, consent withdrawal or concerns about how your personal data is handled, contact:

SGFinance Data Protection Contact
Email: sgfinance.sg@outlook.com
Website: https://sgfinance.io
Business address: Singapore

Please include enough information for us to understand and respond to your request, but do not send sensitive financial information or identity documents unless specifically requested through a secure process.

19. Governing framework

This Privacy Policy is intended to describe SGFinance’s personal-data practices in the context of Singapore’s Personal Data Protection Act 2012 and other applicable requirements.

It does not create contractual rights beyond those provided by applicable law.