Privacy Policy

1. Introduction

The MoneyBees ("MoneyBees", "we", "us", or "our") is committed to protecting and respecting your personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our website, services, and educational content.

By accessing or using our website at themoneybees.co, you acknowledge that you have read and understood this Privacy Policy.

2. Data Protection Officer

If you have any questions, concerns, or requests regarding your personal data, you may contact our Data Protection Officer (DPO) through our contact form.

3. Personal data we collect

We may collect the following categories of personal data:

• Identity data: Full name, date of birth, NRIC/FIN (when required for financial advisory services)
• Contact data: Email address, phone number, residential address
• Financial data: Income details, existing insurance policies, investment portfolio information, CPF statements (only when voluntarily provided for advisory purposes)
• Technical data: IP address, browser type, device information, pages visited, time spent on pages
• Usage data: Information on how you interact with our website, tools, and calculators
• Communication data: Messages, feedback, and correspondence sent through our contact forms, email, or social media

4. How we use your personal data

We collect and use your personal data for the following purposes:

• To provide personalised financial advisory and education services
• To respond to your enquiries and consultation requests
• To send you our newsletter and educational content (with your consent)
• To improve and optimise our website, services, and user experience
• To comply with legal and regulatory obligations, including those set by the Monetary Authority of Singapore (MAS)
• To detect and prevent fraud, unauthorised access, or other security incidents

5. Consent

We obtain your consent before collecting, using, or disclosing your personal data, unless an exception under the PDPA applies. You may withdraw your consent at any time by contacting our DPO. Please note that withdrawing consent may affect our ability to provide certain services to you.

6. Cookies and tracking technologies

Our website uses cookies and similar technologies to enhance your browsing experience. These include:

• Essential cookies: Required for the website to function properly (e.g., session management, security)
• Analytics cookies: Help us understand how visitors interact with our website (e.g., page views, traffic sources)
• Preference cookies: Remember your settings and choices

You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.

7. Third-party disclosure

We do not sell your personal data. We may share your data with trusted third parties only in the following circumstances:

• Service providers: Hosting, analytics, email delivery, and CRM platforms that assist in operating our website and services
• Regulatory bodies: When required by law or regulation, including MAS and other government authorities
• Professional advisers: Lawyers, auditors, or insurers where necessary

All third parties are contractually obligated to handle your data in accordance with the PDPA and this Privacy Policy.

8. Cross-border data transfers

Some of our service providers may be located outside of Singapore. Where personal data is transferred overseas, we ensure that the recipient provides a standard of protection comparable to that under the PDPA, through contractual arrangements or other lawful means.

9. Data retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. When personal data is no longer needed, we will securely dispose of or anonymise it.

10. Data security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

11. Your rights under the PDPA

You have the right to:

• Access: Request access to your personal data held by us
• Correction: Request correction of inaccurate or incomplete personal data
• Withdrawal of consent: Withdraw your consent for the collection, use, or disclosure of your personal data
• Data portability: Request a copy of your data in a commonly used format (where applicable)

To exercise any of these rights, please contact our DPO through our contact form. We will respond to your request within 30 business days.

12. Do Not Call (DNC) Registry

We comply with Singapore's Do Not Call (DNC) provisions under the PDPA. We will not send marketing messages to Singapore telephone numbers registered on the DNC Registry unless we have obtained your clear and unambiguous consent.

13. Data breach notification

In the event of a data breach that is likely to result in significant harm to affected individuals, we will notify the Personal Data Protection Commission (PDPC) and the affected individuals as soon as practicable, in accordance with the PDPA's mandatory breach notification requirements.

14. Children and minors

Our services are primarily designed for individuals aged 18 and above. We do not knowingly collect personal data from children under 13. If you are a parent or guardian and believe your child has provided us with personal data, please contact our DPO so we can take appropriate action.

15. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically.

16. Contact us

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us.