Privacy Policy

Introduction 

Michelle Teo (“we”, “us”, or “our”) is committed to protecting the privacy of our users (“you” or “your”) and ensuring a secure online experience in compliance with the Personal Data Protection Act 2012 (PDPA) in Singapore. This Privacy Policy explains our practices regarding the collection, use, and disclosure of personal information obtained through our website, www.michelleteo.sg (the “Website”). By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. 

Information Collection and Use

The information we collect from you may include your name, email address, phone number, and other contact information. This information may be collected through various forms on the Website, such as when you contact us for information about our services or sign up for our newsletter. We use this information to provide you with the services and information requested, to respond to your inquiries, and to improve our services.

Purpose Limitation 

We will only collect, use, or disclose your personal data for the purposes for which it was collected or as required by law. We will not use your personal data for any other purpose without your prior consent. 

Consent 

By submitting your personal data through the Website, you consent to our collection, use, and disclosure of your personal data in accordance with this Privacy Policy. You may withdraw your consent at any time by contacting Michelle Teo at michelleteo@pruadviser.com.sg. 

Cookies and Tracking Technologies 

We may use cookies, web beacons, and other tracking technologies to collect information about your use of the Website. This information may include the pages you visit, the links you click, and other actions you take on the Website. We use this information to analyze your use of the Website and to personalize your experience.

Disclosure of Personal Information

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except as required by law or to fulfill our obligations to you. We may also disclose your personal information to third-party service providers who assist us in providing services to you, such as hosting, analytics, and payment processing. These third parties are bound by strict confidentiality agreements and are only permitted to use your personal information for the purposes specified in this Privacy Policy.

Access and Correction of Personal Data 

You have the right to access and correct your personal data in our possession. If you would like to access or correct your personal data, please contact Michelle Teo at michelleteo@pruadviser.com.sg. 

Security Measures 

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure, and we cannot guarantee the absolute security of your personal information.

Changes to this Privacy Policy 

We reserve the right to modify this Privacy Policy at any time without prior notice to you. Your continued use of the Website following any changes to this Privacy Policy constitutes your acceptance of such changes.

Governing Law 

This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of Singapore and the PDPA. 

Contact Information 

If you have any questions or concerns about this Privacy Policy, please contact Michelle Teo at michelleteo@pruadviser.com.sg.