Privacy Policy

At Blissful Branch Financial Planning ("we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website blissful-branch.com or use our financial planning services.

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, assets, liabilities, investment objectives, risk tolerance
• Identification Information: NRIC/FIN number, passport details, date of birth
• Employment Information: Occupation, employer details, employment history
• Family Information: Marital status, dependents, beneficiary details
• Health Information: Medical conditions relevant to insurance planning (with consent)

1.2 Technical Information

When you visit our website, we automatically collect:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our website
• Referral sources and exit pages
• Cookies and similar tracking technologies

2. How We Collect Information

We collect your personal information through various methods:

• Direct Collection: When you fill out forms, contact us, or engage our services
• Website Interactions: Through cookies, web beacons, and analytics tools
• Third Parties: From credit bureaus, regulatory bodies, or referral sources (with consent)
• Public Sources: Publicly available information relevant to our services

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Primary Purposes

• Providing financial planning and advisory services
• Conducting financial needs analysis and risk assessment
• Recommending suitable financial products and services
• Processing applications and transactions
• Maintaining client records and account management

3.2 Secondary Purposes

• Communicating with you about our services
• Sending newsletters and educational content (with consent)
• Improving our website and services
• Compliance with legal and regulatory requirements
• Marketing and promotional activities (with consent)

4. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

4.1 With Your Consent

• Insurance companies for policy applications
• Fund managers for investment applications
• Banks and financial institutions for product applications
• Third-party service providers supporting our operations

4.2 Legal Requirements

• Monetary Authority of Singapore (MAS) and other regulators
• Law enforcement agencies when required by law
• Courts and legal proceedings
• Anti-money laundering and counter-terrorism financing authorities

4.3 Business Operations

• Professional advisors (lawyers, auditors, consultants)
• IT service providers and cloud storage vendors
• Marketing and communication service providers
• Credit reference agencies and background check providers

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: All sensitive data is encrypted during transmission and storage
• Access Controls: Limited access to personal information on a need-to-know basis
• Secure Systems: Regular security updates and monitoring of our systems
• Staff Training: Regular training on data protection and privacy practices
• Physical Security: Secure storage of physical documents and access controls

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy:

• Active Clients: Throughout the duration of our professional relationship
• Former Clients: Up to 7 years after termination of services (or as required by law)
• Prospects: Up to 2 years from last contact (unless consent is withdrawn)
• Website Visitors: As specified in our Cookie Policy

7. Your Rights Under the PDPA

Under Singapore's Personal Data Protection Act, you have the following rights:

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Withdrawal of Consent: Withdraw consent for specific uses of your information
• Limitation of Processing: Request limitation of how we process your information
• Data Portability: Request transfer of your information to another organization

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience. For detailed information about our use of cookies, please refer to our Cookie Policy.

9. International Data Transfers

We may transfer your personal information to countries outside Singapore for business purposes. When we do so, we ensure adequate protection through:

• Adequacy decisions by the Personal Data Protection Commission
• Standard contractual clauses approved by Singapore authorities
• Binding corporate rules for intra-group transfers
• Your explicit consent for specific transfers

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

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. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to active clients
• Displaying prominent notices on our website

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

14. Complaints

If you are not satisfied with how we handle your personal information or privacy concerns, you may file a complaint with:

• Personal Data Protection Commission Singapore
  Website: www.pdpc.gov.sg
  Email: [email protected]

This Privacy Policy was last updated on January 1, 2025, and is effective immediately.