Privacy Policy

1. Introduction

Unrecre Inc ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you visit our website at unrecreinc.com or use our services.

This policy complies with the Personal Data Protection Act 2012 (PDPA) of Singapore and other applicable privacy laws.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact information (name, email address, phone number, mailing address)
• Financial information (income, assets, investment goals, risk tolerance)
• Identification information (NRIC/FIN number, passport details)
• Employment information (occupation, employer, work address)
• Demographic information (age, gender, marital status)
• Transaction history and service usage data

2.2 Technical Information

We automatically collect technical information when you visit our website:

• IP address and device identifiers
• Browser type and version
• Operating system
• Website usage data and analytics
• Cookies and similar tracking technologies

3. How We Use Your Information

3.1 Primary Purposes

We use your personal information for the following purposes:

• Providing financial advisory and planning services
• Conducting financial needs analysis and risk assessment
• Processing and managing your account and transactions
• Communicating with you about our services
• Sending newsletters and educational content (with consent)
• Improving our website and services
• Complying with legal and regulatory requirements

3.2 Marketing Communications

With your consent, we may use your contact information to send you:

• Newsletter updates and financial insights
• Information about new services or products
• Invitations to webinars or educational events
• Market research surveys

You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Website hosting and maintenance
• Email marketing services
• Payment processing
• Customer relationship management
• Data analytics and website optimization

4.2 Legal Requirements

We may disclose your information when required by law or regulation, including:

• Compliance with court orders or legal processes
• Regulatory reporting requirements
• Anti-money laundering and counter-terrorism financing obligations
• Protecting our rights and interests

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity, subject to appropriate safeguards.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against:

• Unauthorized access, use, or disclosure
• Accidental loss or destruction
• Malicious attacks and data breaches

5.1 Security Measures

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication systems
• Regular security audits and updates
• Employee training on data protection

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Retention periods vary depending on:

• The type of information collected
• Legal and regulatory requirements
• Business operational needs
• Your ongoing relationship with us

Financial records are typically retained for 7 years or as required by regulatory authorities.

7. Your Rights Under PDPA

Under Singapore's Personal Data Protection Act, you have the following rights:

7.1 Access Rights

• Request access to your personal data in our possession
• Obtain information about how your data is being used

7.2 Correction Rights

• Request correction of inaccurate or incomplete personal data
• Update your contact and profile information

7.3 Withdrawal of Consent

• Withdraw consent for marketing communications
• Opt out of certain data processing activities

To exercise these rights, please contact us using the information provided in Section 10.

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. For detailed information about our cookie practices, please refer to our Cookie Policy.

8.1 Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for personalized advertising

You can manage your cookie preferences through our cookie banner or your browser settings.

9. International Data Transfers

Your personal information may be transferred to and processed in countries outside Singapore. When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by relevant authorities
• Standard contractual clauses
• Binding corporate rules
• Certification schemes

10. Contact Information

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

Response Time

We will respond to your inquiries within 30 days of receipt, or as required by applicable law.

11. 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. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after such changes constitutes acceptance of the updated Privacy Policy.

12. Governing Law

This Privacy Policy is governed by the laws of Singapore. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the Singapore courts.