Privacy Policy

1. Introduction

Preteimmac Financial Management Pte Ltd ("we", "our", or "us") 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 or use our services.

This policy complies with the Personal Data Protection Act (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, contact details (phone number, email address, postal address)
• NRIC/Passport number and other identification documents
• Financial information (income, assets, liabilities, investment experience)
• Employment details and professional information
• Investment preferences and risk tolerance
• Bank account and payment information

2.2 Technical Information

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

• IP address and browser information
• Device type and operating system
• Website usage patterns and analytics data
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing financial advisory and investment management services
• Processing applications and transactions
• Conducting know-your-customer (KYC) and anti-money laundering (AML) checks
• Sending newsletters, market updates, and promotional materials (with consent)
• Improving our services and website functionality
• Complying with legal and regulatory requirements
• Risk management and internal audit purposes

4. Information Sharing and Disclosure

We may share your personal information with:

• Service Providers: Third-party vendors who assist us in providing our services
• Regulatory Authorities: When required by law or regulation (e.g., MAS, IRAS)
• Financial Institutions: Banks, custodians, and other financial service providers
• Professional Advisors: Lawyers, auditors, and other professional consultants
• Business Partners: With your explicit consent for specific purposes

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

5. Data Security

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

• Encryption of sensitive data in transit and at rest
• Access controls and authentication mechanisms
• Regular security assessments and updates
• Employee training on data protection practices
• Secure data centers and backup systems

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 our agreements

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

7. Your Rights

Under the PDPA, you have the right to:

• Access: Request a copy of your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Withdrawal: Withdraw consent for processing (where applicable)
• Data Portability: Request transfer of your data in a structured format

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

8. International Data Transfers

Your personal information may be transferred to and processed in countries outside Singapore. When this occurs, we ensure adequate protection through:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions recognizing equivalent protection levels
• Your explicit consent for the transfer

9. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Ensure website functionality and security
• Analyze website usage and performance
• Personalize content and advertisements
• Remember your preferences and settings

You can manage your cookie preferences through our cookie consent tool or your browser settings.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will:

• Post the updated policy on our website
• Update the "Last updated" date
• Notify you of material changes via email or website notice

12. Contact Information

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