Privacy Policy

This Privacy Policy explains how Finsova ("we", "us", "our") collects, uses, and protects personal data in connection with our financial education services and website at finsovaa.live. We are committed to handling your information responsibly and in accordance with Singapore's Personal Data Protection Act 2012 (PDPA).

1. Who We Are

Finsova is a financial education provider operating from 6 Battery Road, #07-11, Singapore 049909. We provide educational programmes on personal finance, CPF, and household financial planning. We do not hold a financial adviser's licence and do not provide regulated financial advice.

2. Data We Collect

We collect personal data in the following ways:

Information you provide directly

• Name, email address, and phone number submitted via our contact form
• Details shared during consultations or programme sessions (financial circumstances, goals, household information)
• Correspondence via email or telephone

Information collected automatically

• Browser type, device type, and operating system
• Pages visited, time spent on site, and referring URLs
• IP address (used only for analytics purposes, not linked to identifiable individuals)
• Cookie data, as described in Section 8 below

3. How We Use Your Data

We use the data we collect to:

• Respond to enquiries and arrange programme consultations
• Deliver the financial education services you have enrolled in
• Send administrative communications related to your programme (session reminders, materials, follow-ups)
• Improve our website and understand how visitors engage with our content
• Comply with applicable legal and regulatory obligations

We do not use your data for unsolicited marketing unless you have specifically agreed to receive communications of that kind, and we never sell personal data to third parties.

4. Legal Basis for Processing

Under the PDPA, we process personal data where:

• Consent: You have provided explicit consent, such as when completing our contact form or agreeing to receive updates
• Contractual necessity: Processing is needed to deliver the programme you have enrolled in
• Legitimate interests: We have a legitimate business interest in understanding how our website is used and improving our services, provided this does not override your rights
• Legal obligation: Where we are required by Singapore law to retain or disclose certain records

5. Sharing Your Data

We do not sell or rent personal data. We may share data with:

• Service providers: Third-party platforms that help us operate (e.g., email service providers, scheduling tools, cloud storage), subject to data processing agreements
• Analytics providers: Anonymised or aggregated data may be shared with analytics services to improve site performance
• Legal authorities: Where required by law, court order, or regulatory request

Any third party with whom we share data is contractually required to handle it in a manner consistent with this policy and the PDPA.

6. Data Retention

We retain personal data only for as long as necessary for the purposes described in this policy:

• Enquiry and contact form data: up to 12 months from last contact, unless a programme relationship follows
• Programme client data: up to 5 years from the conclusion of the engagement, for audit and review purposes
• Analytics data: retained in aggregated or anonymised form indefinitely

After applicable retention periods, data is securely deleted or anonymised.

7. Your Rights

Under the PDPA, you have the right to:

• Access: Request a copy of the personal data we hold about you
• Correction: Request corrections to inaccurate or incomplete data
• Withdrawal of consent: Withdraw consent at any time where processing is based on consent, without affecting the lawfulness of prior processing
• Portability: Request your data in a machine-readable format where technically feasible

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

8. Cookies

We use cookies to understand how visitors interact with our website and to maintain your preferences. You can control cookie use via the consent banner when you first visit, or by adjusting your browser settings. For full details, please see our Cookie Policy.

9. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration, or loss. These include access controls, encrypted communications, and regular review of our data handling practices.

While we take reasonable precautions, no method of internet transmission or electronic storage is completely secure. If you have concerns about how your data is handled, please contact us directly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, the revised date at the top of this page will be updated. For significant changes, we will provide notice via email or a prominent notice on our website.

11. Contact Us

If you have questions about this policy or wish to exercise your data rights, you can reach us at:

• Email: [email protected]
• Phone: +65 8462 5917
• Address: 6 Battery Road, #07-11, Singapore 049909

You also have the right to lodge a complaint with Singapore's Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg if you believe your data has been handled incorrectly.