1.1. For the purposes outlined in Clause 2., we may collect and process the following information about you:

1.2. We only retain personal data for so long as it is necessary and in order to meet regulatory and compliance obligations.

2.1. We use information held about you for the following purposes:

(a) any member of our group, which means our subsidiaries and/or related companies, as defined in Section 5 and Section 6 of the Companies Act 1967, Singapore and/or Recital 48 of the General Data Protection Regulation (GDPR);

(b) personnel, agents, advisers, auditors, contractors, financial institutions, and service providers in connection with our operations or services (for example customer due diligence and the provision of support services), who may be unaffiliated third parties whether in Singapore or abroad;

(c) our overseas offices, affiliates, business partners and counterparts (on a need-to-know basis only);

(d) persons under a duty of confidentiality to us;

(e) persons to whom we are required to make disclosure under applicable laws and regulations in any part of the world; or

(f) actual or proposed transferees of our operations (or a substantial part thereof) in any part of the world.

4.1. Our Sites may place and access certain cookies on your computer and/or any other electronic device used to access the Sites. We use cookies to improve your experience using the Sites and to improve the efficacy of our services. We have carefully chosen these cookies and have taken steps to ensure that your privacy is protected and respected at all times.

4.2. Users of the Sites are advised that if they wish to deny the use and saving of cookies from the Sites onto their computers and/or other electronic devices, they should take the necessary steps within their internet browsers’ security settings to block all cookies from the Sites.

4.3. You can choose to delete the cookies at any time. However, you may lose any information that enables you to access the Sites more quickly and efficiently including but not limited to personalisation settings.

4.4. We use Google AdSense Advertising on our website. Google, as a third party vendor, uses cookies to serve ads on our Sites. Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our Site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.

Opting out: Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on.

4.5. We do not allow third party behavioral tracking.

7.1. We review our information collection, storage and processing practices from time to time to guard against unauthorised access, processing or use.

7.2. Please note, however, 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 Sites; any transmission is at your own risk.

8.1. Subject to any applicable legal and regulatory exemptions, you have the right to:

8.2. Any request under Clause 8.1 may be subject to a small administrative fee to meet our cost in processing your request.

8.3. You may refuse to provide or withdraw your consent for us to collect, use or disclose your personal data by giving us reasonable notice in writing via email to our Data Protection Officer at the contact details provided below, as long as there are no legal, regulatory or contractual restrictions preventing you from doing so. In general, we shall seek to process your request within ten (10) business days of receiving it.

8.4. If you refuse to provide or withdraw your consent for us to use your personal data, depending on the nature and scope of your request, we may not be able to continue providing you with our Services (as defined in our Terms and Conditions), and may not be able to provide you with access to our Sites. In such a situation, withdrawing your consent will require you to exit all Services that you have with us and withdraw your assets from your User Account. We may also be required by operation of legal or regulatory guidelines to suspend, restrict, or terminate your User Account upon your withdrawal of consent. We shall, in such circumstances, notify you before completing the processing of your request. Should you decide to cancel your withdrawal of consent, please inform us in writing via email to our Data Protection Officer at the contact details provided below.

Please note that your withdrawal of consent does not affect our right to continue to collect, process, retain and disclose your personal data where such collection, use and disclosure without consent is permitted or required under applicable laws and/or regulatory guidelines, such as Article 17 of the General Data Protection Regulation (GDPR).