Privacy Policy

Last updated: December 15, 2024

1. Introduction

TitulMogli Financial Planning ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website titulmogli.com or use our financial planning services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

  • Contact Information: Name, email address, phone number, mailing address
  • Financial Information: Income, assets, liabilities, investment goals, risk tolerance
  • Identification Information: NRIC number, passport details, date of birth
  • Professional Information: Employment details, occupation, employer information
  • Family Information: Marital status, dependents, beneficiary details

2.2 Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address and browser information
  • Pages visited and time spent on our website
  • Referring website or source
  • Device type and operating system
  • Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

  • Providing financial planning and advisory services
  • Conducting financial analysis and creating personalized recommendations
  • Managing your account and maintaining client records
  • Processing transactions and managing investments

3.2 Communication

  • Responding to your inquiries and requests
  • Sending service-related notifications and updates
  • Providing educational content and market insights
  • Marketing our services (with your consent)

3.3 Legal and Regulatory Compliance

  • Complying with Singapore's Personal Data Protection Act (PDPA)
  • Meeting regulatory requirements by the Monetary Authority of Singapore (MAS)
  • Preventing fraud and ensuring security
  • Maintaining records as required by law

4. Legal Basis for Processing

We process your personal information based on:

  • Consent: You have given clear consent for specific purposes
  • Contract: Processing is necessary for our service agreement
  • Legal Obligation: Required by Singapore law or regulation
  • Legitimate Interest: For our business operations and your benefit

5. Information Sharing and Disclosure

5.1 We may share your information with:

  • Service Providers: Third-party vendors who assist in our operations
  • Financial Institutions: Banks, insurance companies, investment platforms
  • Professional Partners: Lawyers, accountants, other financial advisors
  • Regulatory Bodies: MAS, IRAS, and other authorities as required

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

6. Data Security

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

  • Encryption of sensitive data in transit and at rest
  • Secure servers and databases with restricted access
  • Regular security assessments and updates
  • Employee training on data protection practices
  • Multi-factor authentication for system access

7. Data Retention

We retain your personal information for as long as necessary to:

  • Provide ongoing services to you
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce agreements
  • Meet professional indemnity insurance requirements

Generally, we retain client records for at least 7 years after the end of our relationship, or as required by applicable laws.

8. Your Rights

Under Singapore's PDPA, you have the following rights:

8.1 Right to Access

Request information about the personal data we hold about you

8.2 Right to Correction

Request correction of inaccurate or incomplete personal data

8.3 Right to Withdraw Consent

Withdraw your consent for specific processing activities

8.4 Right to Data Portability

Request transfer of your data in a structured, machine-readable format

8.5 Right to Object

Object to processing based on legitimate interests or direct marketing

To exercise these rights, please contact us using the information provided below.

9. Cookies and Tracking Technologies

9.1 Types of Cookies We Use:

  • Essential Cookies: Necessary for website functionality
  • Analytics Cookies: Help us understand website usage
  • Marketing Cookies: Used for targeted advertising (with consent)

9.2 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

10. International Data Transfers

If we transfer your personal information outside Singapore, we ensure appropriate safeguards are in place:

  • Adequacy decisions by relevant authorities
  • Standard contractual clauses
  • Binding corporate rules
  • Certification schemes

11. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children without parental consent.

12. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

  • Posting the updated policy on our website
  • Sending email notifications to registered users
  • Providing notice during your next interaction with us

13. Contact Information

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

TitulMogli Financial Planning
135 Cecil Street, #10-01
MYP Plaza, Singapore 069536

Email: [email protected]
Phone: +65 6123 4567

Data Protection Officer: [email protected]

14. Complaint Resolution

If you believe we have not handled your personal information appropriately, you may file a complaint with:

  • Our Data Protection Officer (contact details above)
  • Personal Data Protection Commission Singapore (PDPC)
  • Monetary Authority of Singapore (MAS) for financial services matters

This Privacy Policy is governed by Singapore law and complies with the Personal Data Protection Act 2012.