Privacy Policy

Coastal Retirement Planners is committed to protecting the privacy and security of personal information processed in connection with the services provided on our online platform, including retirement income planning, pension fund advisory, investment management for retirement, financial planning, legacy planning and estate management, annuity and insurance solutions for retirement, and wealth preservation strategies. This policy describes how we collect, use, and share personal information, and the rights individuals have concerning that information.

Data Controller

The data controller responsible for the processing of personal information is Coastal Retirement Planners.

Information We Collect

We collect information necessary to provide our services and operate our online platform. This includes information individuals provide directly to us, such as:

• Identification information (name, date of birth)
• Contact information (physical address)
• Financial information (income, assets, liabilities, investment history, financial goals)
• Information related to retirement and pension plans
• Information necessary to comply with legal and regulatory requirements (e.g., Know Your Customer (KYC), Anti-Money Laundering (AML) regulations)

We may also collect certain information automatically when individuals visit our site, such as:

• IP address
• Browser type and operating system
• Pages visited and time spent on the site
• Referring website address

How We Use Information

We use the collected information for the following purposes:

• To provide, manage, and deliver our retirement and financial planning services
• To process transactions and manage accounts
• To communicate with individuals regarding their services, updates, and important notices
• To comply with legal and regulatory obligations
• To improve and optimize our online platform and services
• For internal business purposes, such as data analysis, audits, and research
• With consent, for marketing purposes related to our services

Legal Basis for Processing

We process personal information based on the following legal grounds:

• The necessity of processing for the performance of a contract with the individual or to take steps at the request of the individual prior to entering into a contract.
• The necessity of processing for compliance with a legal obligation to which we are subject (e.g., financial regulations).
• The necessity of processing for our legitimate interests, provided these interests do not override the fundamental rights and freedoms of the individual (e.g., improving our services, preventing fraud).
• The consent of the individual, where required by law.

Sharing Information

We may share personal information with third parties in the following circumstances:

• With service providers who perform services on our behalf (e.g., IT hosting, analytics, professional advisors). These third parties are obligated to protect personal information and use it only for the purposes for which it was disclosed.
• With financial institutions and other entities involved in providing the requested financial services (e.g., pension fund administrators, investment platforms, insurance providers).
• When required by law, regulation, or legal process (e.g., in response to a court order or a request from a regulatory authority).
• In connection with a merger, acquisition, or sale of all or a portion of our assets, where the information is transferred as part of the business.
• With consent, or at the direction of the individual.

We do not sell personal information to third parties.

Data Security

We implement appropriate technical and organizational measures to protect personal information from unauthorized access, disclosure, alteration, and destruction. These measures include security safeguards designed to protect the confidentiality and integrity of personal information. However, no data transmission over the internet or electronic storage system can be guaranteed to be 100% secure.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. The specific retention period will vary depending on the nature of the information and the purpose of processing.

Your Rights

Individuals have certain rights regarding their personal information, subject to applicable law. These rights may include:

• The right to access the personal information we hold about them.
• The right to request correction or rectification of inaccurate or incomplete personal information.
• The right to request erasure of personal information, subject to certain exceptions (e.g., legal obligations).
• The right to request restriction of processing of personal information.
• The right to object to the processing of personal information in certain circumstances.
• The right to data portability, allowing individuals to receive their personal information in a structured, commonly used, and machine-readable format.
• The right to withdraw consent at any time, where processing is based on consent.

To exercise these rights, please contact us using the contact information provided below. We may require verification of identity before processing such requests.

Cookies and Similar Technologies

Our site may use cookies and similar technologies to enhance the user experience, analyze site usage, and for marketing purposes. Cookies are small text files stored on your device. Individuals can manage cookie preferences through their browser settings. Disabling certain cookies may affect the functionality of our site.

Links to Other Sites

Our site may contain links to third-party websites. This privacy policy does not apply to those websites. We encourage individuals to review the privacy policies of any third-party sites they visit.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our site. We encourage individuals to review this policy periodically.

Contact Us

For questions or concerns about this privacy policy or our data practices, please contact us at our physical address:

Coastal Retirement Planners
137 Cecil Street
#15-01
Singapore 069535
Singapore