Privacy Policy
Effective Date: January 2024
Disclaimer: This Privacy Policy is a standard template for informational purposes regarding financial literacy services in Singapore and does not constitute legal advice. For specific legal concerns, please consult a qualified legal professional.
Data Controller
Cedargrain (hereinafter referred to as "the Company", "we", "us", or "our"), operating from Yishun, Singapore, acts as the Personal Data Controller. We are committed to protecting and respecting your privacy in compliance with the Personal Data Protection Act 2012 (PDPA) of Singapore.
This policy describes how we collect, use, disclose, and process your personal data when you visit our website, use our Singapore Banking Guide for Expats, or engage with our financial literacy resources.
Contact Details:
Address: 6 Yishun Industrial Street 1, Northview Bizhub
Email:
Phone: +65 8712 8621
Types of Data Collected
We may collect and process the following categories of personal data:
- Identity Data Includes name, surname, and title provided via contact forms or newsletter subscriptions.
- Contact Data Includes email address, telephone number, and residential status in Singapore (e.g., EP, SP, or PR holder) if voluntarily provided.
- Technical & Usage Data Includes Internet Protocol (IP) address, browser type, time zone setting, browser plug-in types, operating system, and information about how you use our website (pages viewed, clickstream).
- Cookies & Tracking We use cookies to enhance your experience. Please refer to our Cookie Policy for more details.
Legal Basis for Processing
Under the Singapore PDPA, we process your data based on the following grounds:
- Consent: When you voluntarily provide your details to receive our "Singapore Banking Guide for Expats" or subscribe to updates.
- Contractual Necessity: To provide the services or information you have requested from Cedargrain.
- Legitimate Interests: To improve our website performance, ensure network security, and conduct data analytics to better understand the financial literacy needs of the Yishun community and expats in Singapore.
- Legal Obligations: Where we are required to comply with statutory requirements or requests from Singaporean authorities.
Data Retention & Security
Cedargrain retains 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, accounting, or reporting requirements. Generally, we retain user data for a period of up to 5 years from the last interaction, unless a longer period is required by Singapore law.
We have implemented appropriate technical and organizational security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. All data is stored on secure servers with encrypted protocols.
Disclosure & Transfers
We do not sell your personal data. We may share data with:
- Service providers (hosting, email marketing tools like Mailchimp, analytics like Google Analytics).
- Professional advisers including lawyers, bankers, and auditors in Singapore.
- Governmental bodies or regulators when required by the laws of Singapore.
If we transfer your data outside of Singapore, we ensure that the recipient is bound by legally enforceable obligations to provide a standard of protection that is at least comparable to that under the PDPA.
Your Legal Rights
Under the PDPA, you have the following rights regarding your personal data:
Access
You can request a copy of the personal data we hold about you and information on how it has been used.
Correction
You can request that we correct any incomplete or inaccurate data we hold about you.
Withdrawal of Consent
You may withdraw your consent for the collection, use, or disclosure of your data at any time.
Portability
Request the transfer of your personal data to another party (where applicable under PDPA regulations).
To exercise any of these rights, please contact our Data Protection Officer at . We aim to respond to all legitimate requests within 30 days.
Third-Party Links
Our website may include links to third-party websites, plug-ins, and applications (e.g., Singaporean bank portals like DBS, OCBC, or UOB). Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.