Privacy Policy

Introduction

At DilibaApia ("we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website dilibappia.com and use our financial literacy services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including:

• Name and contact information (email address, phone number)
• Age and educational background (for appropriate content delivery)
• Newsletter subscription preferences
• Communication preferences
• Feedback and survey responses

Automatically Collected Information

When you visit our website, we may automatically collect certain information:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Referral information (how you found our website)
• Cookie and tracking technology data

How We Use Your Information

We use the collected information for the following purposes:

• Providing and improving our financial literacy services
• Delivering educational content appropriate for your age group
• Sending newsletters and educational updates (with your consent)
• Responding to your inquiries and providing customer support
• Analyzing website usage to improve user experience
• Complying with legal obligations and protecting our rights

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties, except in the following circumstances:

Service Providers

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

• Website hosting and maintenance
• Email marketing services
• Analytics and performance monitoring
• Customer support services

Legal Requirements

We may disclose your information if required by law or in response to:

• Court orders or legal proceedings
• Government agency requests
• Protection of our rights, property, or safety
• Prevention of fraud or illegal activities

Data Security

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

• Unauthorized access or disclosure
• Alteration or destruction
• Loss or theft
• Misuse or abuse

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

You can control cookie settings through your browser preferences or our cookie management tool. For more information, please see our Cookie Policy.

Data Retention

We retain your personal information only for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal obligations
• Resolve disputes and enforce agreements

Newsletter subscription data is retained until you unsubscribe or request deletion.

Your Rights and Choices

Under Singapore's Personal Data Protection Act (PDPA), you have the right to:

• Access your personal information
• Request correction of inaccurate information
• Withdraw consent for data processing
• Request deletion of your personal information
• Object to certain processing activities
• Receive a copy of your data in a portable format

Children's Privacy

Our services are designed for teenagers (ages 13-19). We do not knowingly collect personal information from children under 13 without parental consent. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.

For users under 18, we encourage parental involvement in their financial education journey and recommend discussing our content with parents or guardians.

International Data Transfers

Your information may be transferred to and processed in countries other than Singapore. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last updated" date
• Sending email notifications for significant changes (if you're subscribed)

Contact Information

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

• Email: [email protected]
• Phone: +65 6789 1234
• Address: 152 Beach Road, #33-04, Gateway East, Singapore 189721
• Business Hours: Monday - Friday: 9:00 AM - 6:00 PM, Saturday: 9:00 AM - 1:00 PM

Data Protection Officer

For specific data protection inquiries, you may contact our Data Protection Officer at [email protected].

Governing Law

This Privacy Policy is governed by the laws of Singapore, including the Personal Data Protection Act 2012. Any disputes arising from this policy will be subject to the exclusive jurisdiction of Singapore courts.