Privacy Policy

1. Introduction

At BudgetRiseTop, the protection of your personal and budget information is our highest priority. This Privacy Policy transparently informs you about what data we collect, how we process it, and what control options you have over your information when engaging our Singapore budget planning services and budget development programs.

Our data processing practices comply with applicable Singapore privacy laws, including the Personal Data Protection Act (PDPA), and the General Data Protection Regulation (GDPR) where it applies to our activities in planning services delivery and client representation across Singapore.

2. Collection and Processing of Personal Data

The collection and processing of your data is exclusively purpose-based for the provision, implementation, and personalization of our Singapore budget planning services and related budget development. This includes:

2.1. Data you actively provide to us:

Client intake data such as name, contact information, budget preferences, and planning information for planning service provision across Singapore
Payment information when engaging our planning services and consultation programs in SGD currency
Budget details, planning documents, and communications as part of our client relationship under Singapore confidentiality rules

2.2. Automatically collected data:

Technical information such as IP address, device type, and browser version when using our Singapore planning service platform
Service engagement history and budget development tracking within our Singapore office network
Budget preferences and service analytics to optimize our Singapore budget planning service offerings

2.3. Cookies and tracking technologies: We use necessary cookies and, with your consent, analytics cookies to continuously improve our planning services and client platform. You can adjust your cookie settings in your browser at any time or use our website without optional cookies in accordance with Singapore data protection standards.

3. Purpose of Data Processing

We process your personal data for the following purposes:

Planning Service Delivery – For the organization and personalized delivery of our Singapore budget planning services and budget development programs
Client Administration – For the administration of client budget, planning schedules, billing in SGD, and sending relevant budget information
Budget Management – To record and manage your planning matters within our Singapore budget planning management systems across our offices
Service Improvement – For continuous enhancement of our Singapore planning service content and client experience offerings

4. Legal Basis for Processing

Our data processing is based on the following legal foundations:

Contract performance in conducting Singapore budget planning services and administering client budget data according to Singapore civil law
Legitimate interest in improving our planning service offerings and optimal design of our budget development programs within the Singapore strategic framework
Fulfillment of legal obligations, particularly in the area of Singapore planning practice record keeping and regulatory compliance requirements
Your express consent when collecting certain planning data and for marketing planning opportunities within Singapore

5. Disclosure to Third Parties

We share your data with third parties only in the following cases:

Payment Service Providers – For secure processing of payments in SGD for planning services and budget development through Singapore banking institutions
Planning Technology Providers – For the operation of our budget management systems and Singapore planning service platform as part of contracted processing under Singapore data protection law
Professional Partners – With your explicit consent, we may share relevant budget information with approved strategic guides or planning consultants within the Singapore budget network

We will not under any circumstances share your data with uninvolved third parties for marketing purposes in accordance with Singapore privacy protection standards.

6. Data Security

To protect your data, we implement advanced security measures meeting Singapore data protection standards, including encrypted data transmission, secure storage in Singapore data centers, and strict access controls for our planning staff. We take particular care to protect confidential planning and budget data under Singapore strategic privacy rules.

Physical documents containing personal data are kept in locked cabinets in our Singapore offices and are securely destroyed after the statutory retention periods expire under Singapore law.

7. Data Retention and Deletion

Your data is stored only as long as necessary for the specified purposes under Singapore legal requirements:

Contact and client budget data are stored for the duration of planning management plus statutory retention periods under Singapore strategic law.
Budget management data is retained for a maximum of 10 years after service completion for ongoing planning support in accordance with Singapore strategic practice standards.
Billing data is stored in accordance with Singapore legal retention requirements for up to 10 years as required by Singapore tax and commercial law.

You have the right to request early deletion of your data at any time, provided there are no Singapore legal retention obligations to the contrary.

8. Your Rights

As a client, you have the following rights under Singapore data protection law:

Access to the personal data stored about you
Correction of incorrect or incomplete data
Deletion of your data under the legally provided conditions
Restriction of processing under certain conditions
Data portability in a structured, commonly used format
Objection to processing based on legitimate interest

To exercise these rights, please contact us by email at privacy@budgetrisetop.com or in person at our Singapore planning offices in Marina Bay, Orchard Road, or Sentosa.

9. GDPR-specific Provisions

As a Singapore planning practice with clients from the EU region, we follow the principles of the General Data Protection Regulation (GDPR) and the Singapore Personal Data Protection Act (PDPA), guaranteeing the following rights:

Cross-border Data Transfers – When transferring data to countries outside the EU/EEA or Singapore, we help that appropriate protective measures are taken, such as standard contractual clauses or adequacy decisions under Singapore data protection law.
Data Protection Officer – Our Data Protection Officer is available for inquiries regarding the processing of your personal data and can be reached at privacy@budgetrisetop.com.
Right to Lodge a Complaint – You have the right to lodge a complaint with the Singapore Personal Data Protection Commission (PDPC) or with a data protection supervisory authority in the EU Member State of your residence, workplace, or the place of the alleged infringement.
Data Minimization – We collect only data that is necessary for the stated Singapore mentoring service purposes and store it only as long as necessary and legally required under Singapore law.

For EU citizens engaging our Singapore budget planning services, additional special protective measures in accordance with the GDPR and Singapore data protection law apply, including expanded information obligations and stricter consent requirements.

10. Changes to the Privacy Policy

We reserve the right to update this Privacy Policy as needed to accommodate legal requirements or organizational changes under Singapore law. The current version will always be published on our website and displayed in our Singapore planning offices.

In case of significant changes, we will inform our clients by email or through a notice in our planning offices in Marina Bay, Orchard Road, and Sentosa.

If you have questions about data protection, we are available at any time in person, by phone, or by email from our Singapore offices. The protection of your data is not only a legal obligation for us under Singapore law but an essential part of our professionalism and respect for our clients.