Privacy Policy

Introduction

RADICAL TRADING PTE. LTD. ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website raficaltradepte.com or engage with our services.

As a licensed agency specializing in financial planning services in Singapore, we understand the sensitive nature of the information you entrust to us. We are committed to maintaining the highest standards of confidentiality and data protection in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable regulations.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• ▸Register for an account on our website
• ▸Request information about our services
• ▸Schedule a consultation or appointment
• ▸Subscribe to our newsletter or marketing communications
• ▸Engage our financial planning services
• ▸Contact us through our website or other communication channels

The personal information we collect may include:

• ▸Full name and contact details (email address, phone number, mailing address)
• ▸Date of birth and identification numbers
• ▸Employment information and income details
• ▸Financial information including assets, liabilities, and financial goals
• ▸Family and dependent information
• ▸Health information relevant to planning services
• ▸Preferences and communication choices

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behavior, including:

• ▸IP address and geographic location
• ▸Browser type and version
• ▸Operating system and device information
• ▸Pages visited and time spent on our website
• ▸Referring website addresses
• ▸Clickstream data and website navigation patterns

This information is collected through cookies, web beacons, and similar tracking technologies to help us improve our website functionality and user experience.

How We Use Your Information

We use the information we collect for various legitimate business purposes, including:

Service Delivery and Client Management

• ▸Providing financial planning services and professional advice
• ▸Processing and managing client accounts and relationships
• ▸Conducting financial needs analysis and risk assessments
• ▸Developing personalized financial strategies and recommendations
• ▸Monitoring and reviewing client portfolios and plans
• ▸Communicating with you about your account and services

Legal and Regulatory Compliance

• ▸Complying with legal obligations and regulatory requirements
• ▸Conducting know-your-customer (KYC) and anti-money laundering (AML) checks
• ▸Maintaining records as required by law
• ▸Responding to legal requests and preventing fraud
• ▸Protecting our legal rights and interests

Business Operations and Improvement

• ▸Improving our website, services, and client experience
• ▸Analyzing usage patterns and conducting market research
• ▸Developing new products and services
• ▸Training and quality assurance purposes
• ▸Managing our business operations and internal administration

Marketing and Communications

• ▸Sending newsletters, updates, and promotional materials (with your consent)
• ▸Providing information about our services and industry insights
• ▸Conducting client satisfaction surveys
• ▸Personalizing your experience on our website

Information Sharing and Disclosure

We respect your privacy and do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers and Business Partners

We may share your information with trusted third-party service providers who assist us in operating our business, including:

• ▸Product providers and underwriters
• ▸Technology and IT service providers
• ▸Professional advisors (lawyers, accountants, auditors)
• ▸Payment processors and financial institutions
• ▸Marketing and communications service providers

These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.

Legal Requirements and Protection

We may disclose your information when required by law or when we believe disclosure is necessary to:

• ▸Comply with legal obligations, court orders, or regulatory requirements
• ▸Protect our rights, property, or safety, or that of our clients or others
• ▸Prevent or investigate fraud, security issues, or illegal activities
• ▸Enforce our terms and conditions or other agreements

Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your personal information may be transferred to the acquiring entity. We will notify you of any such change and provide you with choices regarding your information.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• ▸Encryption of data in transit and at rest using industry-standard protocols
• ▸Secure servers and firewalls to protect against unauthorized access
• ▸Regular security assessments and vulnerability testing
• ▸Access controls and authentication mechanisms
• ▸Employee training on data protection and confidentiality
• ▸Secure disposal of information when no longer needed
• ▸Incident response procedures for data breaches

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we continuously work to enhance our security measures and respond promptly to any security incidents.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• ▸For the duration of our client relationship and service provision
• ▸To comply with legal, regulatory, and professional obligations
• ▸To resolve disputes and enforce our agreements
• ▸For legitimate business purposes such as record-keeping and analysis

Under Singapore law and industry regulations, we are required to retain certain records for specific periods, typically ranging from 5 to 7 years after the termination of our relationship. After the retention period expires, we will securely delete or anonymize your personal information unless we are legally required to retain it longer.

If you request deletion of your information, we will comply with your request to the extent possible while maintaining records necessary for legal compliance and legitimate business purposes.

Your Rights and Choices

Under the Personal Data Protection Act (PDPA) of Singapore, you have certain rights regarding your personal information:

Right to Access

You have the right to request access to the personal information we hold about you. We will provide you with a copy of your information in a commonly used format within a reasonable timeframe.

Right to Correction

You have the right to request correction of any inaccurate or incomplete personal information. We will make reasonable efforts to correct your information promptly upon verification of the requested changes.

Right to Withdraw Consent

Where we process your information based on your consent, you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.

Marketing Communications

You can opt out of receiving marketing communications from us at any time by:

• ▸Clicking the unsubscribe link in our emails
• ▸Contacting us directly at support@raficaltradepte.com
• ▸Updating your communication preferences in your account settings

Please note that even if you opt out of marketing communications, we may still send you service-related communications necessary for your account management.

Exercising Your Rights

To exercise any of your rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within 30 days and may require verification of your identity before processing your request.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our website.

Types of Cookies We Use

• ▸Essential Cookies:Necessary for the website to function properly and cannot be disabled
• ▸Performance Cookies:Collect information about how visitors use our website to help us improve functionality
• ▸Functionality Cookies:Remember your preferences and personalize your experience
• ▸Analytics Cookies:Help us understand user behavior and website traffic patterns

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and your user experience.

Third-Party Links and Services

Our website may contain links to third-party websites, services, or applications that are not operated by us. This Privacy Policy does not apply to third-party websites or services.

We are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit before providing any personal information.

When you click on third-party links or use third-party services through our website, those third parties may collect information about you in accordance with their own privacy policies.

International Data Transfers

Your personal information is primarily stored and processed in Singapore. However, in some cases, we may transfer your information to service providers or business partners located in other countries.

When we transfer your information internationally, we ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws. These safeguards may include:

• ▸Standard contractual clauses approved by relevant authorities
• ▸Transfers to countries with adequate data protection laws
• ▸Your explicit consent for specific transfers
• ▸Binding corporate rules for intra-group transfers

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately.

If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information from our systems promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• ▸Update the "Last Updated" date at the top of this Privacy Policy
• ▸Post the revised Privacy Policy on our website
• ▸Notify you of material changes via email or prominent notice on our website

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

If you do not agree with any changes to this Privacy Policy, you should discontinue use of our services and contact us to close your account.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

You may also submit a complaint to the Personal Data Protection Commission (PDPC) of Singapore if you believe we have not adequately addressed your privacy concerns.

Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of Singapore. Any disputes arising from or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of Singapore.

This Privacy Policy complies with the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable data protection regulations.