1. Introduction
Disquleaka ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website disquleaka.com and use our financial education services.
By accessing or using our website, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our website.
2. Information We Collect
2.1 Personal Information
We may collect the following types of personal information:
- Contact Information: Name, email address, phone number, and mailing address
- Account Information: Username, password, and account preferences
- Communication Data: Messages, feedback, and correspondence with us
- Newsletter Subscription: Email address for our financial tips newsletter
- Survey Data: Responses to surveys or questionnaires we may conduct
2.2 Automatically Collected Information
When you visit our website, we automatically collect certain information:
- Device Information: Browser type, operating system, device identifiers
- Usage Data: Pages visited, time spent on pages, click-through rates
- Log Data: IP address, access times, referring URLs
- Cookies and Tracking: Information collected through cookies and similar technologies
2.3 Third-Party Information
We may receive information about you from third parties, including:
- Social media platforms if you interact with our content
- Analytics providers that help us understand website usage
- Marketing partners for promotional activities
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Service Provision
- Provide and maintain our financial education content and services
- Process and respond to your inquiries and requests
- Send you our newsletter and educational content
- Customize and improve your user experience
3.2 Communication
- Send you important updates about our services
- Respond to your comments, questions, and requests
- Provide customer support and technical assistance
- Send promotional materials (with your consent)
3.3 Analytics and Improvement
- Analyze website usage and user behavior
- Improve our website functionality and content
- Conduct research and analytics for business purposes
- Monitor and analyze trends and usage patterns
3.4 Legal and Security
- Comply with legal obligations and regulatory requirements
- Protect against fraud, abuse, and security threats
- Enforce our terms of service and policies
- Protect the rights and safety of our users and third parties
4. Information Sharing and Disclosure
We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:
4.1 Service Providers
We may share your information with trusted third-party service providers who assist us in:
- Website hosting and maintenance
- Email marketing and newsletter distribution
- Analytics and performance monitoring
- Customer support services
4.2 Legal Requirements
We may disclose your information when required by law or in response to:
- Court orders, subpoenas, or legal processes
- Government or regulatory investigations
- Requests from law enforcement agencies
- Protection of our legal rights and interests
4.3 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to this Privacy Policy.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against:
- Unauthorized access, alteration, disclosure, or destruction
- Data breaches and security incidents
- Loss or misuse of information
Our security measures include:
- Encryption of data in transit and at rest
- Regular security assessments and updates
- Access controls and authentication procedures
- Employee training on data protection practices
6. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your browsing experience. For detailed information about our cookie practices, please refer to our Cookie Policy.
6.1 Types of Cookies We Use
- Essential Cookies: Necessary for website functionality
- Analytics Cookies: Help us understand how visitors use our site
- Marketing Cookies: Used to deliver relevant advertisements
7. Your Rights and Choices
Under applicable data protection laws, including Singapore's Personal Data Protection Act (PDPA), you have the following rights:
7.1 Access and Correction
- Request access to your personal information we hold
- Request correction of inaccurate or incomplete information
- Update your account information and preferences
7.2 Deletion and Restriction
- Request deletion of your personal information
- Request restriction of processing under certain circumstances
- Object to processing based on legitimate interests
7.3 Communication Preferences
- Unsubscribe from our newsletter at any time
- Opt out of promotional communications
- Manage your cookie preferences
8. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
Our retention periods are based on:
- The nature and sensitivity of the information
- Legal and regulatory requirements
- The purposes for which we collected the information
- Our legitimate business interests
9. International Data Transfers
Your information may be transferred to and processed in countries other than Singapore. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.
10. Children's Privacy
Our website is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
11. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending you an email notification (if you have subscribed to our newsletter)
- Displaying a prominent notice on our website
Your continued use of our website after any changes indicates your acceptance of the updated Privacy Policy.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
14. Data Protection Officer
For matters related to data protection and privacy, you may contact our Data Protection Officer:
Email: [email protected]
We will respond to your inquiry within 30 days or as required by applicable law.