Privacy Policy

1. Introduction

At GrowthCoreEdge, the protection of your personal data is our absolute priority. This Privacy Policy informs you transparently about the data we collect, how we process it, and what control options you have over your information when using our financial planning services and consulting programs in Singapore.

Our data processing practices comply with applicable Singapore data protection laws, including the Personal Data Protection Act (PDPA) and the General Data Protection Regulation (GDPR), which applies to our activities of providing financial planning services and client representation throughout Singapore.

2. Collection and Processing of Personal Data

The collection and processing of your data is exclusively intended to provide, execute, and personalize our financial planning services and associated consulting programs. This includes:

2.1. Data you actively provide to us:

Client information such as name, contact details, business preferences, and financial information for providing financial planning services in Singapore
Payment information when ordering our financial planning services and consulting programs in SGD
Financial data, documents, and communications within our client relationship in compliance with Singapore confidentiality rules

2.2. Automatically collected data:

Technical information such as IP address, device type, and browser version when using our financial planning platform
Service usage history and development tracking within our Marina Bay office
Financial preferences and service analytics to optimize our financial planning services

2.3. Cookies and tracking technologies: We use essential cookies and, with your consent, analytical cookies to continuously improve our financial planning services and client platform. You can adjust cookie settings at any time in your browser or use our website without optional cookies in accordance with Singapore data protection standards. For more detailed information about cookie usage, see our Cookie Policy.

3. Purpose of Data Processing

We process your personal data for the following purposes:

Provision of Financial Planning Services – To organize and provide personalized financial planning services and consulting programs in Singapore
Client Administration – For client administration, appointment coordination, billing in SGD, and sending relevant financial information
Document Management – To record and manage your financial affairs in our management system in Marina Bay
Service Improvement – To continuously improve the content of our financial planning services and client experience

4. Legal Basis for Processing

Our data processing is based on the following legal grounds:

Contract execution when providing financial planning services and client data administration in accordance with Singapore legislation
Legitimate interest in improving our financial planning services and optimal design of our consulting programs within the Singapore legal framework
Compliance with legal obligations, particularly in maintaining financial practice records and compliance requirements
Your explicit consent for the collection of certain data and for marketing financial opportunities in Singapore

5. Disclosure to Third Parties

We share your data with third parties only in the following cases:

Payment Service Providers – For secure processing of payments in SGD for financial planning services and consulting through Singapore banking institutions
Financial Technology Providers – For the operation of our management systems and financial planning platform within the framework of contractual processing in accordance with Singapore data protection law
Professional Partners – With your explicit consent, we may share relevant information with approved financial advisors in the Singapore network

Under no circumstances will we share your data with unaffiliated third parties for marketing purposes in accordance with Singapore privacy protection standards.

6. Data Security

To protect your data, we implement advanced security measures that meet Singapore data protection requirements, including encrypted data transfer, secure storage in European data centers, and strict access controls for our financial experts. We pay particular attention to protecting confidential financial data in accordance with Singapore privacy protection rules.

Physical documents containing personal data are stored in locked cabinets in our Marina Bay office and are securely destroyed after the expiration of legally required retention periods in accordance with Singapore legislation.

7. Data Retention and Deletion

We retain your data only as long as necessary for the specified purposes in accordance with Singapore legal requirements:

Contact details and client data are retained for the duration of financial consulting plus legally required retention periods in accordance with Singapore legislation.
Financial consulting data is retained for up to 10 years after service completion for continuous support in accordance with Singapore financial standards.
Invoices are retained in accordance with Singapore legal retention requirements for up to 10 years, as required by Singapore financial and commercial legislation.

You have the right to request early deletion of your data at any time if there are no contrary Singapore legal retention obligations.

8. Your Rights

As a client, you have the following rights in accordance with Singapore data protection law:

Access to personal data stored about you
Rectification of incorrect or incomplete data
Deletion of your data under conditions provided by law
Limitation du traitement dans certaines conditions
Data portability in a structured and commonly used format
Objection to processing based on legitimate interest

To exercise these rights, please contact us by email at privacy@growthcoreedge.com or in person at our financial office in Marina Bay.

9. GDPR-Specific Provisions

As a Singapore financial practice, we follow the principles of the General Data Protection Regulation (GDPR) and the Singapore Personal Data Protection Act (PDPA), guaranteeing the following rights:

Cross-Border Data Transfers – When transferring data to countries outside the EU/EEA, we ensure that appropriate protection measures are taken, such as standard contractual clauses or adequacy decisions in accordance with Singapore data protection law.
Data Protection Officer – Our data protection officer is available for any questions regarding the processing of your personal data and can be contacted at privacy@growthcoreedge.com.
Right to Complain – You have the right to file a complaint with the Singapore Personal Data Protection Commission or with the data protection authority in the EU member state of your residence, workplace, or place of the alleged violation.
Data Minimization – We collect only the data necessary for the indicated financial purposes and retain it only as long as necessary and legally required by Singapore legislation.

For clients using our financial planning services, additional special protection measures apply in accordance with GDPR and Singapore data protection law, including extended information obligations and stricter consent requirements.

10. Privacy Policy Modifications

We reserve the right to update this Privacy Policy as needed to adapt to legal requirements or organizational changes in accordance with Singapore legislation. The current version will always be published on our website and displayed in our Marina Bay office.

In case of significant changes, we will inform our clients by email or notice in our financial office in Marina Bay.

If you have questions about data protection, we are available at any time in person, by phone, or by email from our Marina Bay office. The protection of your data is not only a legal obligation for us in accordance with Singapore legislation, but is an essential part of our professionalism and respect for our clients.