Privacy Policy

1. Introduction

Telegferru Financial Management Pte. Ltd. ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website, services, or interact with us in any way.

This Privacy Policy complies with the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable privacy laws.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, investment goals, risk tolerance, financial assets
• Identity Information: NRIC/Passport number, date of birth, nationality
• Professional Information: Employment details, occupation, employer information
• Communication Records: Records of our communications with you, including emails, phone calls, and meeting notes

2.2 Technical Information

When you visit our website, we automatically collect:

• IP address and device information
• Browser type and version
• Operating system
• Pages viewed and time spent on our website
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

• Providing financial advisory and investment management services
• Conducting financial planning and investment analysis
• Managing your investment portfolios and accounts
• Processing transactions and maintaining account records

3.2 Communication

• Responding to your inquiries and requests
• Sending periodic updates, newsletters, and market insights
• Providing customer support and service notifications
• Conducting client satisfaction surveys

3.3 Legal and Regulatory Compliance

• Complying with legal and regulatory requirements
• Conducting know-your-customer (KYC) procedures
• Anti-money laundering (AML) compliance
• Reporting to regulatory authorities as required

3.4 Business Operations

• Improving our services and website functionality
• Conducting market research and analysis
• Risk management and fraud prevention
• Internal record keeping and administration

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Technology services and website hosting
• Payment processing and banking services
• Document management and storage
• Marketing and communication services
• Professional services (legal, accounting, auditing)

4.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal obligations or court orders
• Cooperate with regulatory authorities
• Protect our rights, property, or safety
• Investigate suspected fraud or illegal activities

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: Data transmission and storage are encrypted using industry-standard protocols
• Access Controls: Strict access controls limit who can view your information
• Regular Audits: We conduct regular security audits and assessments
• Employee Training: Staff receive regular privacy and security training
• Secure Facilities: Physical access to data storage is restricted and monitored

6. Data Retention

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

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Meet our business and operational needs

Generally, we retain client records for at least 5 years after the termination of our relationship, or as required by applicable laws and regulations.

7. Your Rights

Under the PDPA and other applicable laws, you have the following rights:

7.1 Access Rights

• Request access to your personal information we hold
• Obtain copies of your personal data
• Receive information about how we use your data

7.2 Correction Rights

• Request correction of inaccurate personal information
• Update or modify your personal data
• Complete incomplete personal information

7.3 Withdrawal of Consent

• Withdraw consent for data processing (where applicable)
• Opt-out of marketing communications
• Limit the use of your personal information

7.4 Data Portability

• Request transfer of your data to another service provider
• Receive your data in a structured, machine-readable format

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. For detailed information about our cookie practices, please refer to our Cookie Policy.

8.1 Types of Cookies We Use

• Essential Cookies: Necessary for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for personalized advertising
• Preference Cookies: Remember your settings and preferences

9. International Data Transfers

Some of our service providers may be located outside Singapore. When we transfer your personal information internationally, we ensure appropriate safeguards are in place, including:

• Contractual clauses requiring equivalent protection
• Transfers to countries with adequate data protection laws
• Implementation of technical and organizational measures
• Regular monitoring of data protection compliance

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, 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 applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending notification emails to registered users
• Providing notice during your next interaction with us

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

13. Regulatory Information

Telegferru Financial Management Pte. Ltd. is licensed and regulated by the Monetary Authority of Singapore (MAS). For complaints or concerns that cannot be resolved directly with us, you may contact: