1. In order to provide a better service to you, we may collect and process the following data about you.
2. We only retain personal data for so long as it is necessary. Data may be archived as long as the purpose for which the data was used still exists
3. By submitting this website contact form, I consent to a Financial Services Consultant of Financial Life Design™ to contact me (even though my telephone number is already registered on the National Do Not Call Registry) for marketing purposes, and provide me with marketing, advertising and promotional information, materials and/or documents relating to financial services marketed by Financial Life Design™. The consent I provide is in addition to and does not supersede, vary or nullify any consent which I may have provided previously in respect of the above purposes, unless my consent is withdrawn. I confirm that I am the user and/or subscriber of the telephone number or email provided by me.

1. The purposes for which information may be used by us in and outside Singapore include: ensuring that content from our site is presented in the most effective manner for you and for your computer; providing you with alerts, newsletter, education materials or information that you requested or signed up to; improving and furthering the provision our products and services; complying with laws and regulations applicable to us or any of our affiliates in or outside Singapore; promoting and marketing services and products subject to your exercise of the opt-out right (please see further details in Clause 2.2 below); or purposes directly related or incidental to the above.
2. We intend to use your data in direct marketing and we require your consent (which includes an indication of no objection) for that purpose. In this connection, please note that: your name, contact details (including address, contact number, email address), products and services information, transaction pattern and behaviour, background and demographic data held by us from time to time may be used by us in direct marketing; the following classes of services, products and subjects may be marketed in direct marketing: services and products related to our site and/or our affiliates (including marketing affiliates programs we are a part of); reward, loyalty or privileges programmes, promotional offers and related services; and invitations to events such as seminars/ webinars/ tele-seminars, conferences, live programs or events. We may conduct direct marketing via fax, email, direct mail, telephone and other means of communication or send e-newsletters to you. You may choose not to receive promotional materials, by simply telling us (see below for contact details), and we will cease to do so, without charge.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk and you agree not to hold us responsible for any breach of security while accessing the internet that is out of our control. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Our website may contain links to other sites (the “Linked Sites”). We are not responsible for the privacy policies or practices of such other Linked Sites. We encourage our users to be aware when leaving our website to read the privacy policies or statements of each Linked Site that collects your personal data. You agree to waive any claim and indemnify us with respect to the Linked Sites.

1. By using our service, making an application or visiting our website, you consent to the collection and use of your information and other activities as outlined in this policy.
2. Under the Personal Data Protection Act 2012 (the “PDPA”) of Singapore, individuals have the right: to check whether we hold personal data about you and to access such data; to require us to correct as soon as reasonably practicable any data relating to you that is inaccurate; to ascertain our policies and practices in relation to personal data and the kind of personal data held by us; and to object to the use of your personal data for marketing purposes and we shall not use your personal data for marketing purposes after you communicate your objection to us.
3. You may exercise your opt-out right by notifying us if you wish to object to the use of your personal data for direct marketing purposes. Please send requests for such objections; access to data, information regarding policies and practices, and kinds of data held, questions or complaints through our Contact form.

Nothing in this Privacy Policy shall limit the rights of the data subject under the PDPA. This Privacy Policy shall be governed by the laws of Singapore. You agree to submit to the exclusive jurisdiction of the Singapore courts.