Privacy Policy

FutureSecure Wealth Pte Ltd ("we", "our", or "us") is committed to protecting the privacy and security of your personal data. This Privacy Policy describes how we collect, use, process, and disclose your personal data in connection with your access to and use of our online platform and services. We comply with applicable data protection laws, including the European Union's General Data Protection Regulation (GDPR) and other relevant legislation governing the processing of personal data.

Data We Collect

We collect personal data you provide directly to us when you use our service, such as when you sign up for an account, request information about our services, use our retirement planning tools, participate in consultations, or communicate with us. The types of personal data we may collect include:

Identity Data: Your name, date of birth, gender, and identification details necessary for financial services.
Contact Data: Your physical address and postal code.
Financial Data: Information about your income, assets, investments, pension plans, financial goals, risk tolerance, and other financial circumstances relevant to retirement and wealth planning.
Profile Data: Your username and password, interests, preferences, feedback, and survey responses.
Usage Data: Information about how you use our service, content you view, and actions you take on our site.
Communication Data: Information you provide when you contact us with questions or for customer support.
Technical Data: Internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our site.

We may also collect data automatically through cookies and similar technologies when you use our site.

How We Use Your Data

We use your personal data for various purposes related to providing and improving our financial services, including:

To provide, operate, and maintain our service and your account.
To personalize your experience on our site.
To understand your financial situation and goals to provide tailored retirement planning advice and services, such as retirement income planning, pension fund management, wealth accumulation strategies, estate planning, financial goal setting, investment advisory for retirement, and annuity planning.
To process your transactions and manage your relationship with us.
To communicate with you, respond to your inquiries, and provide customer support.
To send you service-related communications, such as updates or security alerts.
To improve our site, services, and your user experience.
To develop new products, services, features, and functionality.
To monitor and analyze trends, usage, and activities in connection with our service.
To comply with legal and regulatory obligations applicable to financial services, including know-your-customer (KYC) and anti-money laundering (AML) requirements.
To detect, prevent, and address fraud, security breaches, and other harmful activities.
For marketing purposes, with your consent where required by law, such as sending you newsletters or information about services we believe may be of interest to you.

Legal Basis for Processing

We process your personal data based on the following legal grounds:

Performance of a Contract: Processing is necessary for the performance of a contract with you (e.g., providing retirement planning services) or to take steps at your request before entering into such a contract.
Legal Obligation: Processing is necessary for compliance with a legal or regulatory obligation to which we are subject (e.g., financial regulations).
Legitimate Interests: Processing is necessary for the purposes of our legitimate interests or those of a third party, provided your fundamental rights and freedoms do not override those interests (e.g., improving our services, preventing fraud, direct marketing, unless consent is required).
Consent: We may process your personal data based on your explicit consent for specific purposes, such as sending you marketing communications. You have the right to withdraw your consent at any time.

Sharing Your Data

We do not sell your personal data. We may share your personal data with third parties only in limited circumstances:

Service Providers: We may share data with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf (e.g., hosting services, data analytics, professional advisors). These parties are contractually obligated to protect your data and use it only for the purposes for which it was disclosed.
Compliance with Laws: We may disclose your data where required by law, governmental request, court order, or legal process.
Vital Interests: We may disclose your data when we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or illegal activities.
Business Transfers: Your data may be transferred to a successor entity in the event of a merger, acquisition, restructuring, or sale of all or a portion of our assets.

Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal data we process. However, please remember that we cannot guarantee that the internet itself is 100% secure. While we strive to protect your personal data, transmission of personal data to and from our site is at your own risk. You should only access the service within a secure environment.

Data Retention

We will retain your personal data only for as long as is necessary for the purposes set out in this policy, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

Your Data Protection Rights

Depending on your location and applicable data protection laws, you may have the following rights regarding your personal data:

Right of Access: You have the right to request a copy of the personal data we hold about you.
Right to Rectification: You have the right to request correction of inaccurate or incomplete personal data.
Right to Erasure (Right to be Forgotten): You have the right to request the deletion of your personal data under certain conditions.
Right to Restriction of Processing: You have the right to request that we restrict the processing of your personal data under certain conditions.
Right to Object to Processing: You have the right to object to our processing of your personal data under certain conditions, particularly when processing is based on legitimate interests or for direct marketing.
Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format and have the right to transmit those data to another controller under certain conditions.
Right to Withdraw Consent: If we are relying on your consent to process your personal data, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us in writing at the address provided below. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.

Cookies and Tracking Technologies

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is provided in our Cookie Policy.

Third-Party Websites

Our site may contain links to third-party websites that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of every site you visit.

Policy Updates

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised date and the updated version will be effective as soon as it is accessible. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

Contact Us

If you have questions or comments about this policy, you may contact us in writing at:

FutureSecure Wealth Pte Ltd
16 Collyer Quay, #10-01,
Singapore, Singapore, 049318,
Singapore