Privacy Policy

Sterling Retirement Solutions is committed to protecting the privacy of individuals who visit our site and use our services. This policy outlines how we collect, use, disclose, and protect your personal information in accordance with applicable data protection laws.

Information Collection

We collect personal information that you voluntarily provide to us when you interact with our online platform or use our services. This information may include details necessary for providing financial planning, wealth management, and related services, such as identity information, contact details, financial circumstances, investment goals, and information relevant to pension advisory, CPF consulting, estate planning, annuity options, long-term care planning, and pre-retirement financial assessments.

We may also collect information automatically as you navigate through our site, such as usage data, IP addresses, browser type, and operating system. This information helps us understand how our services are used and improve the user experience.

Use of Information

We use the information we collect for the following purposes:

• To provide and deliver the services you request, including financial planning, investment management, and advisory services.
• To communicate with you regarding your account or our services.
• To maintain and improve our site and services.
• To ensure the security and integrity of our platform.
• To comply with legal and regulatory obligations.
• For internal business purposes, such as data analysis, audits, and research.
• To respond to your inquiries and provide customer support.

Legal Basis for Processing

We process your personal information based on several legal grounds, including:

• Your consent, where you have given clear consent for us to process your personal data for a specific purpose.
• The performance of a contract with you or taking steps at your request before entering into a contract.
• Compliance with a legal obligation to which we are subject.
• Our legitimate interests, provided these do not override your fundamental rights and freedoms.

Disclosure of Information

We may disclose your personal information to third parties only when necessary to provide our services or comply with legal obligations. This may include:

• Service providers who perform functions on our behalf, such as IT support, professional advisors, or administrators, under strict confidentiality agreements.
• Regulatory authorities, government bodies, or law enforcement agencies when required by law or to protect our rights or the safety of others.
• Parties involved in a business transfer, such as a merger or acquisition, where your information may be part of the transferred assets.

We do not sell or rent your personal information to third parties for their marketing purposes.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data, and whether we can achieve those purposes through other means, and the applicable legal requirements.

Data Security

We have implemented appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal information, including the right to access, rectify, erase, restrict processing, object to processing, and data portability. To exercise these rights, please contact us using the details provided below.

Cookies

Our site may use cookies and similar technologies to enhance your user experience, analyze site usage, and improve our services. You can manage your cookie preferences through your browser settings.

Third-Party Links

Our site may contain links to third-party websites or services. This privacy policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

Updates to this Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We encourage you to review this policy periodically. Your continued use of our site or services after any changes indicates your acceptance of the updated policy.

Contact Information

If you have any questions about this privacy policy or our data practices, or if you wish to exercise your rights, please contact us by mail at:

Sterling Retirement Solutions
16 Raffles Quay, #32-01, Singapore, Central Region, 048581, Singapore