1. Introduction

    This Privacy Policy explains how Folio Financial Solutions Pte. Ltd collects, uses, discloses, stores, and protects personal data obtained through this website. This Policy applies solely to information collected online and is intended to comply with the Singapore Personal Data Protection Act.

  2. Personal Data Collected

    Personal data collected through the website may include:

    • Names and contact details provided via enquiry forms
    • Information submitted through online communications
    • Technical data such as IP address, device type, browser information, and interaction data necessary for security and functionality
  3. How Personal Data Is Collected

    Personal data is collected when users:

    • Submit information through website forms
    • Communicate electronically via the website
    • Interact with website features

    Certain technical information is collected automatically through cookies, server logs, and similar technologies.

  4. Purpose of Collection and Use

    Personal data is collected and used for the following purposes:

    • Responding to enquiries and requests
    • Providing information about services
    • Maintaining website security and performance
    • Improving website functionality and usability
    • Meeting legal or regulatory obligations
  5. Consent and Deemed Consent

    By submitting personal data through the website, you consent to its collection, use, and disclosure for the purposes described in this Policy.

    Where the collection, use, or disclosure of personal data is reasonably necessary for the performance of a contract or to respond to a user-initiated request, consent is deemed to be provided in accordance with Singapore law.

  6. Processing and Access Controls

    Processing of personal data is limited to what is required to fulfil operational and service-related obligations. Access is restricted to authorised personnel who require the data to perform their duties.

    Where necessary, trusted third-party service providers may be granted access to personal data to support website hosting, storage, analytics, or technical maintenance. Any such providers are required to apply data protection standards consistent with this Policy.

  7. Storage and Security Measures

    Reasonable precautions and appropriate technical and organisational safeguards are implemented to protect personal data against unauthorised access, loss, misuse, or disclosure. These measures include secure hosting environments, access controls, and encryption where appropriate.

  8. Cross-Border Transfers

    Personal data may be stored or processed outside Singapore for secure hosting or operational purposes. Where this occurs, steps are taken to ensure that comparable standards of data protection are applied.

  9. Data Retention and Accuracy

    Personal data is retained only for as long as necessary to fulfil the purposes for which it was collected or to meet legal requirements. Reasonable efforts are made to ensure personal data remains accurate and up to date.

  10. Your Rights

    You have the right to:

    • Request access to your personal data
    • Request correction of inaccurate or incomplete data
    • Request information on how your personal data is used or disclosed
    • Request a list of parties to whom your personal data has been disclosed

    Requests may be subject to legal limitations and verification requirements.

  11. Complaints and Supervisory Authority

    If you believe your personal data has been mishandled, you may submit a complaint to the Personal Data Protection Commission of Singapore: https://www.pdpc.gov.sg

  12. Updates to This Policy

    This Privacy Policy may be updated periodically to reflect changes in legal requirements or data handling practices. Any updates will be published on this page.

  13. Contact Information
    • Folio Financial Solutions Pte. Ltd.
    • Address: Level 37 Ocean Financial Centre 10 Collyer Quay Raffles Place, Singapore
    • Email: contact@foliofinancialsolutions.com
    • Registration Number: 202344293N