Privacy Policy

The Finrate (“Company,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website https://thefinrate.com/ (the “Website”). This policy is governed by the Personal Data Protection Act (PDPA) of Singapore and relevant international data protection regulations.

1. Scope and Applicability

This Privacy Policy applies to all visitors, users, and stakeholders who interact with our Website and services. It governs the collection, use, and disclosure of information provided directly by users, as well as data obtained through automated means. By using our Website, you acknowledge and consent to the terms outlined in this Privacy Policy. If you do not agree with any part of this policy, please refrain from using our services.

2. Information We Collect

2.1 Personal Data

We collect and process personal data that you provide directly when using our Website or services. This may include:
  • Name, email address, and phone number.
  • Billing details, payment information, and transaction history.
  • Business or company details, including tax and registration details.
  • Any information submitted via contact forms, surveys, or customer support inquiries.

2.2 Technical and Usage Data

When you access our Website, we automatically collect technical information, including:
  • Internet Protocol (IP) address and geolocation data.
  • Browser type, device information, and operating system details.
  • Usage patterns, including pages visited, session duration, and interactions.
  • Cookies, tracking pixels, and analytics data.

2.3 Third-Party Data Sources

We may receive information from external sources such as:
  • Payment processors, financial institutions, and service providers.
  • Advertising networks and analytics platforms.
  • Publicly available sources and business directories.

3. How We Use Your Information

We use collected data for various business and operational purposes, including but not limited to:
  • Providing, improving, and personalizing our services.
  • Processing transactions and fulfilling customer requests.
  • Ensuring website security, fraud prevention, and regulatory compliance.
  • Sending marketing communications, service updates, and promotional offers.
  • Conducting research, analysis, and statistical reporting.

4. Legal Basis for Processing

Our processing activities rely on one or more of the following legal bases:
  • Consent: When you explicitly agree to data processing for a specific purpose.
  • Contractual Necessity: When processing is required to fulfill a contractual agreement.
  • Legal Obligation: When required by Singaporean law or regulatory bodies.
  • Legitimate Interest: When processing is necessary for business operations, fraud prevention, or improving user experience.

5. Data Sharing and Disclosure

We may share your personal data with:
  • Service Providers & Third Parties.
  • Regulatory & Legal Authorities.
  • Business Transfers in case of mergers, acquisitions, or asset sales.
  • Affiliates & Subsidiaries.
We do not sell or rent your personal data for marketing purposes.

6. International Data Transfers

Your personal data may be transferred and stored outside of Singapore in compliance with Singapore’s PDPA.

7. Cookies and Tracking Technologies

We use cookies to enhance functionality, analyze traffic, and deliver targeted advertising. Users can manage cookie preferences through browser settings.

8. Data Security

We implement robust security measures such as encryption and access controls.

9. Data Retention

We retain personal data only as long as necessary to fulfill legal, regulatory, and business obligations.

10. User Rights (Under Singapore’s PDPA)

Users have rights to access, correct, delete, and transfer their personal data. To exercise these rights, contact us at [Insert Contact Email].

11. Third-Party Links & Services

We are not responsible for external sites linked on our Website.

12. Children’s Privacy

Our services are intended for users over 18. We do not knowingly collect data from minors.

13. Regulatory Compliance

We comply with Singapore’s PDPA, GDPR (where applicable), and other relevant data protection laws.

14. Changes to This Privacy Policy

Updates will be posted with an effective date. Users should check periodically for changes.

15. Contact Us

For inquiries, contact us at:
The Finrate
7 Temasek Boulevard,
#12-07 Suntec Tower 1
Singapore – 038987
Email: contact@thefinrate.com