Privacy Policy

Singapore Calculator ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our online calculators.

1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide to us when you:

• Use our calculators and input data for calculations
• Contact us through our contact forms or email
• Subscribe to our newsletter or updates
• Participate in surveys or feedback forms

1.2 Automatically Collected Information

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

• IP address and location information
• Browser type and version
• Operating system
• Pages visited and time spent on our site
• Referring website or source
• Device information (mobile, tablet, desktop)

2. How We Use Your Information

We use the collected information for the following purposes:

• Provide Services: To operate and maintain our calculators and website
• Improve User Experience: To enhance our website functionality and user interface
• Analytics: To understand how our website is used and improve our services
• Communication: To respond to your inquiries and provide customer support
• Legal Compliance: To comply with applicable laws and regulations

3. Data Processing and Storage

3.1 Local Processing

Our calculators are designed to process all calculations locally in your web browser. This means:

• Your input data (salary, loan amounts, tax information, etc.) is not sent to our servers
• Calculation results are generated on your device
• No personal financial information is stored on our systems

3.2 Cookies and Local Storage

We may use cookies and local storage to:

• Remember your preferences and settings
• Improve website performance
• Analyze website usage patterns
• Provide personalized content

4. Information Sharing and Disclosure

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

4.1 Service Providers

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

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

4.2 Legal Requirements

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

• Court orders or legal processes
• Government requests or investigations
• Protection of our rights and property
• Prevention of fraud or illegal activities

5. Data Security

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

• SSL encryption for data transmission
• Secure hosting infrastructure
• Regular security updates and monitoring
• Access controls and authentication
• Data backup and recovery procedures

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request information about the data we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Unsubscribe from marketing communications

7. 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.

8. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly.

9. 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 provide adequate protection for your personal 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 our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes

11. Contact Information

12. Governing Law

This Privacy Policy is governed by the laws of Singapore. Any disputes arising from this policy will be subject to the exclusive jurisdiction of the courts of Singapore.