Privacy Policy

This website is provided for general information purposes. Please refer to our Privacy Policy, Terms of Use, and Disclaimer for more details.

HING Financial respects the privacy of our users and has developed this Privacy Policy to demonstrate our commitment to protecting your privacy. As an individual who uses our website or services provided by HING Financial, this Privacy Policy describes how we collect, use, disclose, and protect your personal data.

Data Protection Notice for Customers

This Data Protection Notice ("Notice") sets out the basis on which HING Financial ("we", "us", or "our") may collect, use, disclose or otherwise process personal data of our customers in accordance with the Personal Data Protection Act ("PDPA"). This Notice applies to personal data in our possession or under our control, including personal data in the possession of organisations which we have engaged to collect, use, disclose or process personal data for our purposes.

Personal Data

As used in this Notice:

"Customer" means an individual who (a) has contacted us through any means to find out more about any goods or services we provide, or (b) may, or has, entered into a contract with us for the supply of any goods or services by us.

"Personal data" means data, whether true or not, about a customer who can be identified: (a) from that data; or (b) from that data and other information to which we have or are likely to have access.

Depending on the nature of your interaction with us, some examples of personal data which we may collect from you include name, identification numbers such as NRIC, FIN, Work Permit and birth certificate, residential address, email address, telephone number, nationality, gender, date of birth, marital status, employment information and financial information.

Roles and Access Levels

Different individuals may interact with our website and platform in various capacities. For the purposes of this Privacy Policy, the following roles apply:

• "Visitor" means any individual who accesses our website or platform without creating an account or logging in. Visitors may browse publicly available content but do not have access to personalised features or services.
• "User" means any individual who has created an account or logged in to access features of our platform. Users may have access to tools, calculators, or content that require authentication.
• "Client" or "Customer" means an individual who has engaged or is engaging HING Financial for financial advisory or related services, including but not limited to financial planning, insurance, and investment advisory.
• "Authorized Representative" means a third party who has been duly authorised by a Client or User to act on their behalf, including providing personal data to us or making requests regarding personal data.
• "Admin" means authorised personnel of HING Financial who manage, administer, or operate the platform and its services.

Some features of our platform require login. Access levels and the types of personal data collected may differ depending on your role and the services you use. We only collect personal data that is necessary for the purposes associated with your role.

Collection, Use and Disclosure of Personal Data

We generally do not collect your personal data unless (a) it is provided to us voluntarily by you directly or via a third party who has been duly authorised by you to disclose your personal data to us (your "authorised representative") after (i) you (or your authorised representative) have been notified of the purposes for which the data is collected, and (ii) you (or your authorised representative) have provided written consent to the collection and usage of your personal data for those purposes, or (b) collection and use of personal data without consent is permitted or required by the PDPA or other laws.

Information Collection Methods

This information might be collected in various ways including, but not limited to:

• Through the use of our website, via various forms
• Email marketing campaigns
• Customer web surveys
• Third-party web pages
• WhatsApp, SMS, Telegram, and other messaging services

Purposes for Collection and Use

We may collect and use your personal data for any or all of the following purposes:

• Performing obligations in the course of or in connection with our provision of goods and/or services requested by you
• Verifying your identity
• Responding to, handling, and processing queries, requests, applications, complaints, and feedback from you
• Managing your relationship with us
• Processing payment or credit transactions
• Processing personal documents required for financial planning, investments, and insurance applications
• Complying with any applicable laws, regulations, codes of practice, guidelines, or rules
• Any other purposes for which you have provided the information
• Transmitting to any unaffiliated third parties including our third-party service providers and agents

Disclosure of Personal Data

We may disclose your personal data:

• Where such disclosure is required for performing obligations in the course of or in connection with our provision of goods and services requested by you
• To third-party service providers, agents and other organisations we have engaged to perform any of the functions with reference to the above-mentioned purposes

Withdrawing Your Consent

The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is withdrawn by you in writing. You may withdraw consent and request us to stop collecting, using and/or disclosing your personal data for any or all of the purposes listed above by submitting your request in writing or via email to us at the contact details provided at the end of this policy.

Upon receipt of your written request to withdraw your consent, we may require a reasonable time (depending on the complexity of the request and its impact on our relationship with you) for your request to be processed. In general, we shall seek to process your request within five (5) business days of receiving it.

Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal data where such collection, use and disclosure without consent is permitted or required under applicable laws.

Access to and Correction of Personal Data

If you wish to make (a) an access request for access to a copy of the personal data which we hold about you or information about the ways in which we use or disclose your personal data, or (b) a correction request to correct or update any of your personal data which we hold, you may submit your request in writing or via email to us at the contact details provided at the end of this policy.

Please note that a reasonable fee may be charged for an access request. If so, we will inform you of the fee before processing your request.

We will respond to your request as soon as reasonably possible. In general, our response will be within five (5) business days. Should we not be able to respond to your request within thirty (30) days after receiving your request, we will inform you in writing within thirty (30) days of the time by which we will be able to respond.

Protection of Personal Data

To safeguard your personal data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, we have introduced appropriate administrative, physical and technical measures such as up-to-date antivirus protection, encryption, use of privacy filters, and disclosing personal data both internally and to our authorised third-party service providers and agents only on a need-to-know basis.

You should be aware, however, that no method of transmission over the Internet or method of electronic storage is completely secure. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures.

Account Security and Responsibilities

If you have been provided with, or have created, a password or login credentials to access any part of our platform, you are responsible for:

• Keeping your password and login credentials confidential and secure
• Using a secure and up-to-date device when accessing the platform
• Logging out of your account after each session, especially on shared devices
• Reporting any suspicious or unauthorised activity on your account to us promptly

HING Financial will never ask for your password via email, WhatsApp, SMS, phone call, or any other communication channel. If you receive any such request, please do not respond and report it to us immediately at [email protected].

We are not liable for any loss or damage arising from your failure to maintain the confidentiality of your login credentials, or from any unauthorised use of your account.

Data Ownership and Control

You retain ownership of any personal data you provide to us. By providing your personal data, you grant HING Financial a limited right to collect, use, disclose, and process such data solely for the purposes described in this Privacy Policy and as required to deliver our services to you.

Your personal data may be accessible to authorised HING Financial staff and, where necessary, to our appointed service providers, on a strict need-to-know basis for the purpose of administering your account, providing financial advisory services, and fulfilling our regulatory obligations.

We will not use your personal data for purposes beyond those described in this Privacy Policy without obtaining your prior consent, unless such use is required or permitted by applicable laws.

Accuracy of Personal Data

We generally rely on personal data provided by you (or your authorised representative). In order to ensure that your personal data is current, complete and accurate, please update us if there are changes to your personal data by informing us in writing or via email at the contact details provided at the end of this policy.

Retention of Personal Data

We may retain your personal data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.

We will cease to retain your personal data or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.

Deletion and Account Closure

You may request the deletion of your personal data or the closure of your account at any time by contacting us at [email protected].

Upon receiving your request, we will:

• Acknowledge your request within five (5) business days
• Complete the deletion or account closure within thirty (30) days where feasible
• Inform you if any extension of time is required and the reason for the extension

Please note that after account termination or data deletion, we may retain certain personal data only as required by law (including MAS regulatory requirements), for the purposes of resolving disputes, enforcing our agreements, or for legitimate business purposes. Such retained data will be securely stored and will not be used for any other purpose.

Once the retention period has expired and there is no longer a legal or business need to retain your data, we will securely delete or anonymise it.

Transfers of Personal Data Outside of Singapore

We generally do not transfer your personal data to countries outside of Singapore. However, if we do so, we will obtain your consent for the transfer to be made and we will take steps to ensure that your personal data continues to receive a standard of protection that is at least comparable to that provided under the PDPA.

Where a cross-border transfer is necessary (for example, if a third-party service provider operates servers outside of Singapore), we will ensure that the recipient is bound by legally enforceable obligations to provide a comparable standard of data protection.

Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to distinguish you from other users, improve your browsing experience, and help us understand how our website is being used. Cookies are small text files stored on your device by your web browser.

We may use the following types of cookies:

• Strictly necessary cookies: Required for the operation of our website (e.g., session management, security)
• Analytics cookies: Help us understand how visitors use our website so we can improve it
• Functional cookies: Remember your preferences and settings

You can control or disable cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

Marketing Communications

From time to time, we may send you newsletters, updates, or marketing communications about our services, financial insights, or events that may be of interest to you. We will only do so where you have given your consent or where we are otherwise permitted to do so under applicable law.

You may opt out of receiving marketing communications at any time by:

• Clicking the "unsubscribe" link in any marketing email you receive from us
• Contacting us at [email protected] to request removal from our marketing lists

We do not sell, rent, or trade your personal data to third parties for their marketing purposes. Opting out of marketing communications will not affect service-related communications that are necessary for the provision of our services to you.

Third-Party Service Providers and Integrations

We may engage third-party service providers to assist us in operating our platform and delivering our services. These providers may include, but are not limited to, hosting providers, analytics services, email communication tools, and payment processors.

Such third-party service providers process your personal data only under our instructions, for the specific purposes we have engaged them for, and are contractually bound to maintain appropriate data protection safeguards in accordance with applicable laws.

Our website may also contain links to third-party websites or services. These third-party sites have their own privacy policies, and we do not accept any responsibility or liability for their practices. We encourage you to review the privacy policies of any third-party websites before providing your personal data.

Effect of Notice and Changes to Notice

This Notice applies in conjunction with any other notices, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your personal data by us.

We may revise this Notice from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Notice was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.

Complaints and Contact Information

Under the PDPA, you have the right to:

• Request access to the personal data we hold about you
• Request correction of any inaccurate or incomplete personal data
• Withdraw your consent for the collection, use, or disclosure of your personal data

If you have any questions, concerns, or complaints regarding this Privacy Policy, our data protection practices, or how we handle your personal data, please contact us at:

We will respond to your enquiry within five (5) business days of receipt. If you are not satisfied with our response, you may also contact the Personal Data Protection Commission (PDPC) of Singapore at www.pdpc.gov.sg.