Privacy Policy | Retiriva

Definitions

This section clarifies essential terms used in this privacy policy to ensure clear understanding.

"Personal Data" means any information relating to an identified or identifiable individual that Retiriva collects and processes.
"Processing" refers to any operation performed on personal data, such as collection, storage, use, or disclosure.
"User" means any individual accessing or using the services provided by Retiriva.
"Service" refers to the retirement document guidance and related services offered by Retiriva via its platform.
"Cookies" are small data files stored on your device to enhance your experience on the Retiriva website.

Data Collection

Retiriva collects personal data directly provided by users and data collected automatically when using our services.

User-Provided Data

The information you submit to Retiriva to facilitate retirement document guidance includes but is not limited to:

Full name and contact details such as email address and phone number.
Identification details including date of birth and Singapore NRIC number.
Employment and retirement-related information you choose to share.
Documentation pertinent to retirement planning and verification.
Feedback and communication history with Retiriva support.
Preferences related to service usage and notifications.

Automatically Collected Data

When you interact with our services, certain data may be collected automatically, including:

IP address and device type to optimize service delivery.
Browser type and operating system information.
Usage patterns such as pages visited and time spent on the site.
Cookie identifiers and similar technologies.
Geolocation data inferred from your IP address.
Error and diagnostic information to improve our platform.

Third-Party Data Sources

Retiriva may receive personal data from authorized third parties to enhance service accuracy and efficiency:

Government agencies for verification of identity and eligibility.
Business institutions as authorized for specific retirement planning purposes.
Authorized partners providing supplementary services or data validation.

Purposes of Data Processing

We process personal data solely for specific, lawful purposes to support our services:

To verify user identity and eligibility for retirement guidance.
To provide tailored retirement document assistance and information.
To manage user accounts and maintain communication.
To comply with legal and regulatory obligations applicable to Retiriva.
To improve our services based on user feedback and usage data.
To detect and prevent fraudulent or unauthorized activities.
To send important updates, notices, or changes related to our services.
To fulfill any other purpose related to retirement guidance agreed with the user.

Legal Bases for Processing Personal Data

Processing of personal data by Retiriva is conducted on lawful grounds as defined by relevant Singapore data protection laws:

Performance of a contract to provide retirement document guidance services.
Compliance with legal obligations incumbent on Retiriva.
Legitimate interests pursued by Retiriva in providing secure and efficient services.
User's explicit consent where required and applicable.

Data Protection Compliance

Although primarily governed by Singapore data protection laws, Retiriva respects and integrates principles aligned with the GDPR:

Ensuring transparency in data handling and user rights.
Allowing users control over their personal data processing.
Implementing appropriate technical and organizational measures to protect personal data.
Facilitating data access, correction, and deletion upon valid requests.
Minimizing data collection to what is strictly necessary.
Notifying users promptly in the event of data breaches affecting personal data.

Use of Cookies

Retiriva uses cookies to enhance user experience, analyze traffic, and manage functionalities on the website.

Cookies used include session cookies, persistent cookies, and third-party cookies necessary for analytics and service optimization.

Cookies are categorized as essential, performance, functionality, and targeting cookies according to their purpose.

Users may control cookie preferences through browser settings or via specified cookie management tools presented on the Retiriva website.

Learn more about our cookie usage in the Cookie Policy.

Data Sharing and Disclosure

Retiriva shares personal data only with authorized entities under strict confidentiality and data protection protocols:

Service providers assisting in delivering and maintaining our services.
Regulatory authorities as required by law or regulation.
Partners involved in retirement documentation verification with user consent.
Security providers to protect against fraud and unauthorized access.
Third parties to whom users have given explicit authorization.
Any other entity legally permitted or required to receive such data.

International Data Transfers

Personal data may be transferred and stored outside Singapore where necessary to provide our services, subject to adequate safeguards to protect data privacy.

Retiriva ensures that such transfers comply with international data protection requirements including binding corporate rules or standard contractual clauses as applicable.

Data Retention

Personal data is retained only for as long as necessary to fulfill the purposes stated, comply with legal obligations, or resolve disputes.

Account information is retained for the duration of the user’s engagement with Retiriva and for a stipulated period thereafter to meet compliance requirements.

Communication records are maintained for reference and quality assurance for a limited, defined timeframe.

System logs related to security and service operations are stored securely and archived as per regulatory guidelines.

Upon expiration of retention periods, personal data is securely deleted or anonymized to prevent unauthorized access.

Security Measures

Retiriva employs robust technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, or destruction.

Use of encryption protocols for data transmission and storage.
Regular security audits and vulnerability assessments.
Strict access controls and authentication mechanisms for authorized personnel.

User Rights

Users have the following rights regarding their personal data processed by Retiriva:

Right to access and obtain a copy of their personal data.
Right to request correction of inaccurate or incomplete data.
Right to request deletion or restriction of processing under certain conditions.
Right to object to processing based on legitimate interests.
Right to withdraw consent at any time without affecting prior processing.
Right to data portability where applicable.
Right to lodge a complaint with relevant data protection authorities if dissatisfied.
Right to be informed promptly in case of any personal data breach affecting their information.

Your Privacy Rights

At Retiriva, you have the right to access, correct, or request deletion of your personal data. You may submit requests related to your data privacy and Retiriva will process these in accordance with relevant Singapore data protection laws.

[email protected]

We typically respond to privacy rights requests within 30 days of receipt.

Marketing Communications Consent

Retiriva may send you marketing materials related to retirement document guidance if you have given consent. You can revoke your consent at any time to stop receiving promotional communications.

To unsubscribe from marketing emails, please use the unsubscribe link provided in each email or contact us directly.

Protection of Children's Data

Retiriva does not knowingly collect personal data from individuals under the age of 18. If you believe we have collected information from a child without parental consent, contact us to request removal.

Third-Party Links

Our website may contain links to third-party sites. Retiriva is not responsible for the privacy practices or content of these external sites. We encourage you to review their policies before providing personal information.

Changes to This Privacy Policy

Retiriva may update this privacy policy periodically. Changes will be communicated on our website at retiriva.pro, and the updated policy will indicate the effective date.