Privacy Policy

CPF Calculator ("we", "our", or "us") is committed to protecting your privacy and personal data in accordance with Singapore's Personal Data Protection Act 2012 ("PDPA"). This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our website at cpfcalculator.sg (the "Website") and our services.

By using our Website, you consent to the collection, use, and disclosure of your personal data as described in this Privacy Policy.

1. Information We Collect

We may collect the following types of personal data:

1.1 Information You Provide

• Contact information (email address, name) when you subscribe to our newsletter or contact us
• Financial information you voluntarily enter into our calculators (salary, age, CPF balances) - this data is processed locally in your browser and is not stored on our servers
• Questions and conversations with our AI assistant "Rich"
• Feedback and correspondence you send to us

1.2 Information Collected Automatically

• Device information (browser type, operating system, device type)
• Usage data (pages visited, time spent, click patterns)
• IP address and approximate geographic location
• Referral source (how you arrived at our Website)

2. How We Use Your Information

We use your personal data for the following purposes:

• To provide, maintain, and improve our Website and services
• To respond to your inquiries and provide customer support
• To send you newsletters and updates (with your consent)
• To analyze usage patterns and improve user experience
• To ensure the security and integrity of our Website
• To comply with legal obligations under Singapore law

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Website. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our Website
• Provide relevant content and features
• Analyze traffic and usage patterns

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of certain features on our Website.

4. Disclosure of Your Information

We may share your personal data with:

• Service Providers: Third-party companies that assist us in operating our Website, such as hosting providers, analytics services, and email service providers
• Legal Requirements: When required by law, court order, or government authorities in Singapore
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell, rent, or trade your personal data to third parties for marketing purposes.

5. Data Security

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

• Secure Socket Layer (SSL) encryption for data transmission
• Regular security assessments and updates
• Limited access to personal data on a need-to-know basis
• Secure data storage with reputable cloud providers

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable Singapore laws. When personal data is no longer needed, we will securely delete or anonymize it.

7. Your Rights Under PDPA

Under Singapore's 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

To exercise these rights, please contact us using the details provided below. We will respond to your request within 30 days.

8. Third-Party Links

Our Website may contain links to third-party websites, including government resources such as the CPF Board website. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal data.

9. Children's Privacy

Our Website is not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child without parental consent, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on this page with a revised "Last updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

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