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Privacy Policy

We Respect Privacy

Effective Date: [July 26,2026] Website: https://sgfinance.blog/ (Finance Tools Hub)

SG Finance (“we,” “us,” “our”) respects your privacy and is committed to protecting your personal data in accordance with Singapore’s Personal Data Protection Act 2012 (“PDPA”) and, where applicable, other relevant data protection laws (e.g., GDPR for EU/UK visitors). This Privacy Policy explains what information we collect, how we use it, and your rights.

1. Information We Collect

a) Information you provide directly

  • Name and email address (e.g., when subscribing to our newsletter, submitting a contact form, or leaving a comment);
  • Any other information you voluntarily submit (e.g., via forms or surveys).

b) Information collected automatically

When you visit the Site, we (and our service providers) may automatically collect:

  • IP address, browser type, device type, and operating system;
  • Pages visited, time spent on pages, referring/exit pages, and click data;
  • Approximate location (derived from IP address);
  • Cookies and similar tracking technologies (see Section 4).

c) Information from third parties

We may receive information from analytics providers, advertising networks, or affiliate partners in connection with your interactions with links on our Site.

2. How We Use Your Information

We use collected information to:

  • Operate, maintain, and improve the Site and its content;
  • Send newsletters, updates, or marketing communications (only if you have opted in, and you may unsubscribe at any time);
  • Respond to your enquiries or comments;
  • Analyse Site usage and traffic trends (e.g., via Google Analytics);
  • Display relevant advertising (e.g., via Google AdSense or similar networks);
  • Track affiliate referrals and commissions;
  • Comply with legal obligations and enforce our Terms and Conditions.

We do not sell your personal data to third parties.

3. Legal Basis for Processing

Under the PDPA, we collect and use your personal data based on:

  • Consent — e.g., when you subscribe to our newsletter or submit a form;
  • Legitimate interests — e.g., improving the Site, security, and analytics;
  • Legal obligation — where required by law.

You may withdraw consent at any time by contacting us (see Section 9), subject to legal or contractual restrictions.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences;
  • Understand how visitors use the Site (analytics);
  • Serve relevant advertisements;
  • Track affiliate link performance.

Types of cookies we may use:

  • Essential cookies — necessary for the Site to function.
  • Analytics cookies — e.g., Google Analytics, to understand visitor behaviour.
  • Advertising cookies — e.g., Google AdSense or other ad networks, to serve relevant ads.
  • Affiliate/tracking cookies — to attribute referrals to affiliate partners.

You can control or disable cookies through your browser settings. Disabling cookies may affect Site functionality. Where required, we will request your consent via a cookie banner before placing non-essential cookies.

5. Third-Party Services

We may use third-party service providers, including but not limited to:

  • Google Analytics — for website traffic analysis;
  • Google AdSense / other ad networks — for displaying advertisements;
  • Email marketing platforms (e.g., Mailchimp, ConvertKit, or similar) — for newsletter delivery;
  • Affiliate networks — for tracking referral commissions;
  • Hosting and CDN providers — to operate the Site.

These third parties may collect information about you in accordance with their own privacy policies. We encourage you to review the privacy policies of these third-party providers.

6. Data Sharing and Disclosure

We may share your information with:

  • Service providers who help us operate the Site (e.g., hosting, analytics, email delivery), under confidentiality obligations;
  • Legal or regulatory authorities, where required by law or to protect our rights;
  • A successor entity, in the event of a business transfer, merger, or acquisition.

We do not share your personal data with third parties for their own independent marketing purposes without your consent.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes outlined in this Policy, or as required by law. Newsletter subscriber data is retained until you unsubscribe or request deletion.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal data against unauthorised access, loss, or misuse. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

9. Your Rights

Subject to the PDPA (and other applicable laws), you have the right to:

  • Access the personal data we hold about you;
  • Request correction of inaccurate or incomplete data;
  • Withdraw consent to our collection, use, or disclosure of your data;
  • Request deletion of your data, subject to legal retention requirements;
  • Unsubscribe from marketing communications at any time (e.g., via the “unsubscribe” link in emails).

To exercise these rights, contact us at [Contact Email]. We will respond within a reasonable timeframe in accordance with applicable law.

10. Children’s Privacy

The Site is not directed at individuals under 18. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us so we can delete it.

11. International Data Transfers

If you access the Site from outside Singapore, your information may be transferred to and processed in Singapore or other countries where our service providers operate. We take steps to ensure such transfers comply with applicable data protection laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated version will be posted on this page with a revised “Effective Date.” Continued use of the Site after changes constitutes acceptance of the updated Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact:

Data Protection Contact: [Samuel Grant] Email: [ssgtok@gmail.com] Website: https://sgfinance.blog/