Privacy Policy

FinancialRuler is committed to protecting and respecting your personal data.

The purpose of this document ("Privacy Policy"), together with our Terms of Use and any other documents referred to on it, is to inform you of how FinancialRuler Pte. Ltd. ("FinancialRuler") manages Personal Data (as defined below) which is subject to the Singapore Personal Data Protection Act (No. 26 of 2012) ("the Act"). Please take a moment to read this Privacy Policy so that you know and understand the purposes for which we collect, use and disclose your Personal Data.

By interacting with us, submitting information to us, or signing up for any products or services offered by us, you agree and consent to FinancialRuler and its related corporations (collectively, the "Companies"), as well as their respective representatives and/or agents ("Representatives") (the Companies and Representatives collectively referred to herein as "FinancialRuler", "us", "we" or "our") collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to the Companies' authorised service providers and relevant third parties in the manner set forth in this Privacy Policy.

This Privacy Policy supplements but does not supersede nor replace any other consents you may have previously provided to FinancialRuler in respect of your Personal Data, and your consents herein are additional to any rights which any of the Companies may have at law to collect, use or disclose your Personal Data.

FinancialRuler may from time to time update this Privacy Policy to ensure that this Privacy Policy is consistent with our future developments, industry trends and/or any changes in legal or regulatory requirements. Subject to your rights at law, you agree to be bound by the prevailing terms of this Privacy Policy as updated from time to time on our website financialruler.com/privacy. Please check back regularly for updated information on the handling of your Personal Data.

FinancialRuler reserves the right to deny access to this website to anyone at any time without prior notice. Materials on our website may include technical inaccuracies or typographical errors. Changes may be periodically incorporated into this material. FinancialRuler may make improvements and/or changes in the products, services and/or programmes described in these materials at any time without notice.

Personal Data

In this Privacy Policy, "Personal Data" refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time.

Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address, transactional data and any other information relating to any individuals which you have provided us in any forms you may have submitted to us (including in the form of biometric data), or via other forms of interaction with you.

Collection of Personal Data

Generally, we collect Personal Data in the following ways:

when you submit any form, including but not limited to application, declaration, proposal or referral forms;
when you enter into any agreement or provide other documentation or information in respect of your interactions and transactions with us, or when you use our services;
when you interact with our staff, including customer service officers, relationship managers and other representatives, for example, via telephone calls (which may be recorded), letters, fax, face-to-face meetings and email;
when your images are captured by us via CCTV cameras while you are within our premises, or via photographs or videos taken by us or our representatives when you attend events hosted by us;
when you use our services provided through online and other technology platforms, such as websites and apps, including when you establish any online accounts with us;
when you request that we contact you, be included in an email or other mailing list; or when you respond to our request for additional Personal Data, our promotions and other initiatives;
when you are contacted by, and respond to, our marketing representatives and agents and other service providers;
when you submit an employment application or when you provide documents or information including your resume and/or curriculum vitae in connection with any appointment as an officer, director, representative or any other position;
when you use our electronic services, or interact with us via our websites or use services on our websites;
when we seek information about you and receive your Personal Data in connection with your relationship with us, including for banking products, insurance policies or job applications, for example, from business partners, public agencies, your ex-employer and the relevant authorities; and/or
when you submit your Personal Data to us for any other reason.

When you browse our website, you generally do so anonymously but please see the section below on cookies. We do not, at our website, automatically collect Personal Data, including your email address unless you provide such information or log in with your account credentials.

If you provide us with any Personal Data relating to a third party (e.g. information on your customers, spouse, children, parents, and/or employees), by submitting such information to us, you represent to us that you have obtained the consent of such third party to you providing us with their Personal Data for the respective purposes.

You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested.

Purposes for the Collection, Use and Disclosure of Your Personal Data

Generally, FinancialRuler collects, uses and discloses your Personal Data for the following purposes:

responding to, processing and handling your complaints, queries, requests, feedback and suggestions;
verifying your identity;
managing the administrative and business operations of the Companies and complying with internal policies and procedures;
facilitating business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving any of the Companies;
matching any Personal Data held which relates to you for any of the purposes listed herein;
requesting feedback or participation in surveys, as well as conducting market research and/or analysis for statistical, profiling or other purposes for us to design our products, understand customer behaviour, preferences and market trends, and to review, develop and improve the quality of our products and services;
managing the safety and security of our premises and services (including but not limited to carrying out CCTV surveillance and conducting security clearances);
project management;
providing media announcements and responses;
organising promotional events;
in connection with any claims, actions or proceedings (including but not limited to drafting and reviewing documents, transaction documentation, obtaining legal advice, and facilitating dispute resolution), and/or protecting and enforcing our contractual and legal rights and obligations;
managing and preparing reports on incidents and accidents;
complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities; and/or
any other purpose relating to any of the above.

These purposes may also apply even if you do not maintain any account(s) with us, or have terminated these account(s).

In addition, FinancialRuler collects, uses and discloses your Personal Data for the following purposes depending on the nature of our relationship:

If you are a prospective customer:

assessing and processing any applications or requests made by you for products and services offered by FinancialRuler; and/or
any other purpose relating to any of the above.

If you are a retail banking customer, private investor, beneficial owner, guarantor, security provider or an appointed representative (including but not limited to a mandate holder or a power of attorney):

where account or relationship managers or agents have been assigned to service your account or portfolio, using your telephone number(s) to contact you from time to time in order to take your instructions, and/or provide you with information, updates, or recommendations and / or in accordance with the terms and conditions of our agreement with you
facilitating the continuation or termination of the financial institutions relationships or the daily operation of the services and credit and trading facilities and providing client servicing (including but not limited to responding to individual requests by customers, mailing services, conveyancing services, reporting services, clearing services, reconciliation services and providing customer satisfaction);
carrying out client reviews, for example, annual reviews of your portfolio;
to establish your financial situation, risk profile, investment experience and investment objectives to help you consider the suitability of the products you have invested or intend to invest;
providing electronic banking services (including but not limited to Internet Banking, Mobile Banking and Phone Banking);
providing offers and promotions in relation to co-branded products and services which you have applied for;
customer outreach and relationship management;
meeting or complying with any applicable rules, laws, regulations, codes of practice or guidelines issued by any legal or regulatory bodies which are binding on FinancialRuler (including but not limited to disclosures to regulatory bodies, conducting audit checks, surveillance and investigation, or customer due diligence);
archival management (including but not limited to warehouse storage and retrievals);
administering credit, debit, and other cards (including but not limited to processing card applications, transactions and credit limit approvals);
administering bancassurance products (including but not limited to the maintenance, management and operation of the products and services, communication with policy holders, and processing of any claims and payments arising under the respective policies);
administering fund services (including but not limited to the maintenance, management and operation of the services, and communication with investors);
administering and facilitating any offer of or other transactions dealing with securities, derivatives or other instruments or investments; and/or
any other purpose relating to any of the above.

If you are a bancassurance customer:

processing and sending or receiving documents in respect of your insurance application;
administering, maintaining, managing and operating the products and services offered to you, including reinsured products by other companies and government-driven schemes;
sending updates and administrative notices to you in relation to the products and services used by you, including notification of maturity of payments and maturity of policies;
assessing and processing of any claims arising under your policy;
any other purpose relating to any of the above.

If you are an employee, business partner, sole proprietor, investor , proxy voter, corporate shareholder, guardian, director, nominee director or guarantor, agent or representative of an organisation that is a business banking customer or otherwise has a corporate relationship with FinancialRuler:

opening or continuation of accounts and establishing or providing banking services;
facilitating the daily operation of the services, and credit and trading facilities (including but not limited to providing loans, gathering deposits, transferring funds, processing trades, reporting and/or clearing of trades, updating contact details of investors and investees, corporate action processing and entering into ancillary arrangements relating thereto);
facilitating the continuation or termination of the banking relationship (including but not limited to the closing of accounts);
managing investment products (which includes unit trusts, treasury products, shares, commodities, foreign exchange, and other investment products which FinancialRuler may make available from time to time);
networking to maintain customer relationship;
providing client servicing (including but not limited to providing customer satisfaction, proxy voting and merchant servicing);
facilitating and carrying out due diligence checks;
complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (including but not limited to disclosures to regulatory bodies, conducting audit checks, surveillance and investigation, or customer due diligence);
any other purpose relating to any of the above.

If you are an employee or agent of a referrer or other intermediary:

marketing and leads management;
processing commission remuneration; and/or
any other purpose relating to any of the above.

If you are an employee, officer or owner of an external service provider or vendor outsourced or prospected by FinancialRuler:

managing project tenders or the supply of goods and services;
processing and payment of vendor invoices;
complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (which includes disclosure to regulatory bodies or audit checks); and/or
any other purpose relating to any of the above.

If you are an FinancialRuler shareholder:

maintaining statutory registers and to manage the publication of shareholder statistics on annual reports and circulars;
providing shareholding listing for preference shares, subordinated debt and senior term issuances;
facilitating the implementation of projects (including but not limited to seeking approvals for new investments, additional fund raising exercises or bonus);
processing claims (including but not limited to processing claims for unclaimed cash distribution); and/or
any other purpose relating to any of the above.

If you submit an application to us as a candidate for an employment or representative position:

conducting interviews;
processing your application which includes pre-recruitment checks involving your qualifications and facilitating interviews;
providing or obtaining employee references and for background screening;
assessing your suitability for the position applied for;
processing staff referrals; and/or
any other purposes relating to any of the above.

If you are an existing employee of FinancialRuler:

providing remuneration, reviewing salaries and bonuses, conducting salary benchmarking reviews, staff appraisals and evaluation, as well as recognising individuals for their services and conferring awards;
staff orientation and entry processing;
providing you with tools and/or facilities to enable or facilitate the performance of your duties;
compiling and publishing internal directories and emergency contact lists for business continuity;
managing corporate social responsibility projects;
conducting analytics and research for human resource planning and management, and for us to review, develop, optimise and improve work-related practices, environment and productivity;
ensuring that the administrative and business operations of FinancialRuler function in a secure, efficient and effective manner (including but not limited to examining or monitoring any computer software and/or hardware installed within FinancialRuler, your work emails and personal digital and storage devices);
compliance with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (including but not limited to disclosures to regulatory bodies, conducting audit checks or surveillance and investigation);
administering cessation processes; and/or
any other purposes relating to any of the above.

If you sit on the FinancialRuler Board of Directors:

facilitating appointment to the Board (including but not limited to managing the publication of directors' statistics on annual reports and circulars);
complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (including but not limited to disclosures to regulatory bodies or conducting due diligence);
administrative matters (including but not limited to the maintenance of statutory registers and lodgement of directors' fee);
managing insurance programmes; and/or
any other purpose relating to any of the above.
In addition, where permitted under the Act, FinancialRuler may also collect, use and disclose your Personal Data for the following purposes (which we may describe in our documents and agreements as "Additional Purposes" for the handling of Personal Data): providing or marketing services, products and benefits to you, including promotions, loyalty and reward programmes;
matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the provision or offering of products and services, whether by FinancialRuler or other third parties;
sending you details of products, services, special offers and rewards, either to our customers generally, or which we have identified may be of interest to you; and/or
conducting market research, understanding and analysing customer behaviour, location, preferences and demographics for us to offer you products and services as well as special offers and marketing programmes which may be relevant to your preferences and profile.

In relation to particular products or services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.

Disclosure of Personal Data

FinancialRuler will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be provided, for the purposes listed above (where applicable), to the following entities or parties, whether they are located overseas or in Singapore:

FinancialRuler's related corporations;
companies providing services relating to insurance and/or reinsurance to FinancialRuler;
agents, contractors or third party service providers who provide operational services to FinancialRuler, such as courier services, telecommunications, information technology, payment, payroll, processing, training, market research, storage, archival, customer support investigation services or other services to FinancialRuler;
vendors or other third party service providers in connection with promotions and services offered by FinancialRuler;
third party referrers;
our co-brand and other business partners;
our professional advisers such as our auditors and lawyers;
any other party to whom you authorise us to disclose your Personal Data to.

Use of Cookies

When you interact with us on our websites, we automatically receive and record information on our server logs from your browser. We may employ cookies in order for our server to recognise a return visitor as a unique user including, without limitation, monitoring information relating to how a visitor arrives at the website, what kind of browser a visitor is on, what operating system a visitor is using, a visitor's IP address, and a visitor's click stream information and time stamp (for example, which pages they have viewed, the time the pages were accessed and the time spent per web page).

Cookies are small text files stored in your computing or other electronic devices which allow us to remember you or other data about you. The cookies placed by our server are readable only by us, and cookies cannot access, read or modify any other data on an electronic device. All web-browsers offer the option to refuse any cookie, and if you refuse our cookie then we do not gather any information on that visitor.

Should you wish to disable the cookies associated with these technologies, you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our website.

Data Security

FinancialRuler will take reasonable efforts to protect Personal Data in our possession or our control by making reasonable security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. However, we cannot completely guarantee the security of any Personal Data we may have collected from or about you, or that for example no harmful code will enter our website (for example viruses, bugs, trojan horses, spyware or adware). You should be aware of the risks associated with using websites.

While we strive to protect your Personal Data, we cannot ensure the security of the information you transmit to us via the Internet, and we urge you to take every precaution to protect your Personal Data when you use such platforms. We recommend that you change your passwords often, use a combination of letters and numbers, and ensure that you use a secure browser.

If applicable, you undertake to keep your username and password secure and confidential and shall not disclose or permit it to be disclosed to any unauthorised person, and to inform us as soon as reasonably practicable if you know or suspect that someone else knows your username and password or believe the confidentiality of your username and password has been lost, stolen or compromised in any way or that actual or possible unauthorised transactions have taken place. We are not liable for any damages resulting from any security breaches, on unauthorised and/or fraudulent use of your username and password.

Third-Party Sites

Our website may contain links to other websites operated by third parties. We are not responsible for the privacy practices of websites operated by third parties that are linked to our website. We encourage you to learn about the privacy policies of such third party websites. Some of these third party websites may be co-branded with our logo or trademark, even though they are not operated or maintained by us. Once you have left our website, you should check the applicable privacy policy of the third party website to determine how they will handle any information they collect from you.

Contacting Us - Feedback, Withdrawal of Consent, Access and Correction of your Personal Data

If you:

have any questions or feedback relating to your Personal Data or our Privacy Policy; would like to withdraw your consent to any use of your Personal Data as set out in this Privacy Policy; or
would like to obtain access and make corrections to your Personal Data records, you can , email us at support@financialruler.com

Please note that if your Personal Data has been provided to us by a third party (e.g. The Central Depository (Pte) Limited), you should contact such party directly to make any queries, feedback, and access and correction requests to FinancialRuler on your behalf.

If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, FinancialRuler may not be in a position to continue to provide its products or services to you, administer any contractual relationship already in place. This may also result in the termination of any agreements you have with FinancialRuler, and your being in breach of your contractual obligations or undertakings. FinancialRuler's legal rights and remedies in such event are expressly reserved.

Governing Law

This Privacy Policy and your use of this website shall be governed in all respects by the laws of Singapore.

By using financialruler.com, you agree that you will accept any changes made to the Privacy Policy.