Privacy Policy

1. Introduction

calibriant ("we," "our," or "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered financial assistance services.

We operate under Singapore's Personal Data Protection Act (PDPA) and maintain the highest standards of data security. Your trust is essential to our service, and we take our responsibility to protect your information seriously.

If you have questions about this policy, please contact us at [email protected]

2. Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information that you voluntarily provide, including:

• Name and contact information (email address, phone number)
• Financial information necessary for service delivery (debt details, income information, business financial data)
• Account credentials (username and encrypted password)
• Payment information for subscription management
• Communications you send to us

Automatically Collected Information

When you access our services, we automatically collect certain technical information:

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, time spent on service)
• IP address and general location information
• Cookies and similar tracking technologies (see our Cookie Policy for details)

3. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To provide our AI-powered financial assistance, analyze your data, and generate personalized recommendations
• Account Management: To create and maintain your account, process payments, and manage subscriptions
• Communication: To send service updates, respond to inquiries, and provide customer support
• Service Improvement: To understand usage patterns and improve our AI algorithms and user experience
• Security: To detect and prevent fraud, abuse, and security issues
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

We do not use your personal financial information for marketing purposes or share it with third parties for their marketing use.

4. Legal Basis for Processing

Under Singapore's PDPA, we process your personal data on the following legal bases:

• Consent: You have given explicit consent for processing your personal data for specific purposes
• Contract Performance: Processing is necessary to fulfill our service agreement with you
• Legitimate Interests: Processing serves our legitimate business interests while respecting your privacy rights
• Legal Obligation: Processing is required to comply with Singapore law and regulations

5. Data Sharing and Disclosure

Third-Party Service Providers

We share information with carefully selected service providers who assist in operating our business:

• Cloud hosting providers (data stored within Singapore)
• Payment processors for subscription management
• Customer support platforms
• Security and fraud prevention services

All service providers are contractually required to maintain confidentiality and security of your information.

Legal Requirements

We may disclose your information when required by law, such as:

• Responding to court orders, subpoenas, or legal processes
• Protecting our rights, property, or safety
• Preventing fraud or investigating security issues
• Complying with regulatory requirements

No Sale of Personal Data

We do not sell, rent, or trade your personal information to third parties for monetary or other consideration.

6. Data Security

We implement bank-level security measures to protect your information:

• Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Strict access limitations ensure only authorized personnel can access sensitive data
• Regular Audits: Third-party security audits and penetration testing verify our protections
• Secure Infrastructure: Data stored in ISO 27001 certified data centers within Singapore
• Monitoring: 24/7 security monitoring detects and responds to potential threats
• Employee Training: Staff undergo regular security and privacy training

While we implement robust security measures, no system can be completely secure. We cannot guarantee absolute security but commit to maintaining industry-leading protections.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations:

• Active Accounts: Information retained while your account remains active
• After Cancellation: Financial data retained for 7 years to comply with Singapore tax and accounting laws
• Account Information: Basic account data retained for 3 years after closure for legal and business purposes
• Marketing Communications: Retained until you unsubscribe or request deletion

After retention periods expire, we securely delete or anonymize your information.

8. Your Rights and Choices

Under Singapore's PDPA, you have the following rights regarding your personal data:

Access and Correction

You have the right to request access to your personal data and request corrections to inaccurate information. Contact us at [email protected] to exercise these rights.

Data Portability

You may request a copy of your personal data in a structured, commonly used format.

Withdrawal of Consent

You may withdraw consent for certain processing activities. Note that withdrawal may affect our ability to provide services.

Account Deletion

You may request deletion of your account and associated data, subject to our legal retention obligations.

Lodge a Complaint

If you believe we have not handled your personal data appropriately, you may lodge a complaint with Singapore's Personal Data Protection Commission (PDPC).

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and understand service usage. These include:

• Essential Cookies: Necessary for basic site functionality
• Analytics Cookies: Help us understand how you use our service
• Preference Cookies: Remember your settings and preferences

For detailed information about our cookie practices and how to manage your preferences, please see our Cookie Policy.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we discover we have collected information from someone under 18, we will promptly delete it.

11. International Data Transfers

Your personal data is stored and processed within Singapore. We do not transfer your financial information outside Singapore. If international transfers become necessary for service providers, we will implement appropriate safeguards and obtain your consent where required.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes through:

• Email notification to your registered address
• Prominent notice on our website
• In-service notifications

Changes become effective upon posting unless otherwise specified. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Information

For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact: