Privacy Policy
Last Updated: November 2025
prosper ov is committed to protecting your personal data and complying with Singapore's Personal Data Protection Act (PDPA). This privacy policy explains how we collect, use, protect, and share your information.
1. Information We Collect
Contact Information
Name, email address, phone number, and mailing address when you contact us or register for consultations.
Financial Information
CPF statements, tax documents, and financial account information provided during consultations for educational purposes.
Usage Data
IP address, browser type, pages visited, time spent on pages, and referring website addresses collected through cookies and analytics tools.
Communication Data
Messages sent through contact forms, emails, and consultation notes from our educational sessions.
2. How We Use Your Information
- Service Delivery: To provide financial education consultations and personalized educational materials based on your situation.
- Communication: To respond to inquiries, schedule consultations, and provide follow-up support as part of our educational programs.
- Marketing: To send educational resources and program updates with your consent, which you can withdraw at any time.
- Website Improvement: To analyze usage patterns and improve our website functionality and content.
- Legal Compliance: To comply with Singapore laws, regulations, and legal processes as required.
3. Legal Basis for Processing
Consent: For marketing communications and optional data collection, we rely on your explicit consent.
Contract: To deliver educational services you have engaged us to provide.
Legitimate Interest: For business operations, fraud prevention, and website security.
Legal Obligation: To comply with Singapore tax laws, financial regulations, and PDPA requirements.
4. Data Protection Measures
- Encryption: All data is encrypted during transmission using SSL/TLS protocols and at rest using industry-standard encryption.
- Access Controls: Strict access limitations with multi-factor authentication for systems containing personal data.
- Regular Audits: Security assessments conducted quarterly with external compliance audits performed annually.
- Staff Training: All employees undergo data protection training and sign comprehensive confidentiality agreements.
- Breach Procedures: Immediate notification protocols in place to inform affected individuals within 72 hours of any data breach.
5. Data Retention
Consultation Records: Maintained for 5 years after service completion to support follow-up questions and policy update notifications.
Financial Documents: Retained for 7 years in accordance with Singapore tax and financial record-keeping requirements.
Marketing Data: Kept until consent is withdrawn, after which data is deleted within 30 days.
Website Analytics: Anonymous usage data retained for 26 months for statistical analysis.
6. Your Rights
- Access: Request a copy of personal data we hold about you.
- Correction: Request correction of inaccurate or incomplete data.
- Deletion: Request deletion of your data, subject to legal retention requirements.
- Portability: Receive your data in a structured, commonly used format.
- Objection: Object to processing of your data for marketing or legitimate interest purposes.
- Withdrawal: Withdraw consent at any time for consent-based processing.
To exercise any of these rights, contact us at +65 6384 5912 or visit our office at 12 Marina Boulevard, MBFC Tower 3 #17-01, Singapore 018982.
7. Data Sharing
Service Providers: We may share data with trusted service providers (email services, website hosting, analytics) under strict confidentiality agreements.
Professional Advisors: With your consent, we may coordinate with your accountant, financial advisor, or lawyer regarding consultation recommendations.
Legal Requirements: We may disclose information when required by Singapore law, court orders, or regulatory authorities.
No Third-Party Sales: We never sell, rent, or trade your personal information to third parties for marketing purposes.
8. Children's Privacy
Our services are designed for adults (18 years and older). We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a minor, please contact us immediately for deletion.
9. Policy Updates
We may update this privacy policy to reflect changes in our practices or legal requirements. We will notify you of material changes by:
- • Posting the updated policy on our website with a new "Last Updated" date
- • Sending email notifications to registered clients
- • Displaying a prominent notice on our homepage for 30 days
10. Contact Information
For questions about this privacy policy or to exercise your rights:
prosper ov
Phone: +65 6384 5912
Email:[email protected]
Address: 12 Marina Boulevard, MBFC Tower 3 #17-01, Singapore 018982
Operating Hours: Monday - Friday: 9:00 AM - 6:00 PM, Saturday: 10:00 AM - 2:00 PM
You may also file a complaint with Singapore's Personal Data Protection Commission if you believe your privacy rights have been violated.