1. General Information
This Privacy Policy describes how personal data may be collected, used, stored, and protected when users access the informational website Loravexino. The website provides general information about personal budget planning for daily needs and may be used without registration or submission of personal data. Processing of personal data is carried out in accordance with the Personal Data Protection Act 2012 of Singapore, as well as applicable provisions of the Spam Control Act 2007 and the Electronic Transactions Act 2010. Personal data is collected only when it is voluntarily provided by the user through the contact form or by direct communication. The website follows the principles of transparency, purpose limitation, and data minimisation when handling personal information. Access to the website is possible without creating an account, and most pages can be viewed without providing any personal details. Personal data is processed only for clearly defined purposes related to the operation of the website and communication with users.
2. Types of Personal Data
The website does not require personal data for browsing and does not request personal information for access to its informational pages. Personal data may be collected only when the user submits information through the contact form or sends a direct message using the provided contact details. The following data may be provided voluntarily: Name, Email address, Subject, Message content. No additional personal data is requested during normal use of the website. The website does not collect financial information, identification numbers, location tracking data, or sensitive personal data. Users should avoid including unnecessary personal details in the message field. Any information provided is limited to what the user decides to submit.
3. Purpose of Data Processing
Personal data is processed only for limited and specific purposes related to communication and operation of the website. These purposes include responding to messages sent through the contact form, maintaining correspondence related to website content, and keeping records of communication when necessary. Personal data is not used for profiling, automated decision-making, behavioural tracking, or personalised advertising. The website does not use personal data obtained from video advertising interactions and does not combine advertising data with information submitted through the contact form. Data processing is restricted to the purposes described in this policy.
4. Legal Basis for Processing
Processing of personal data is based on consent provided by the user when submitting the contact form. By selecting the consent checkbox and sending the message, the user agrees to the processing of personal data for communication purposes described in this policy. Where permitted under the Personal Data Protection Act 2012, data may also be processed when necessary for maintaining the operation of the website, ensuring security, or responding to user requests. Consent may be withdrawn at any time by contacting the website using the details provided above, and such withdrawal will apply to future processing.
5. Data Minimisation and Accuracy
Only the minimum amount of personal data required for communication is collected. The website does not request additional information that is not necessary for replying to a message. Users are encouraged to provide accurate and complete information when submitting the form so that the response can be delivered correctly. The website does not verify identity unless required for responding to the request. Information provided by the user is used only for the stated purpose and is not combined with other data sources.
6. Storage and Retention
Personal data is stored only for the time required to respond to the request or maintain related communication. After the communication process is completed, the data may be removed or stored in a limited archive for record purposes where necessary for website administration. Storage periods are determined based on the purpose of processing and the need to maintain communication history. Reasonable steps are taken to prevent unauthorised access, use, or disclosure during the storage period. Data is not kept longer than necessary for the purpose for which it was collected.
7. Protection of Personal Data
Appropriate technical and organisational measures are used to protect personal data against unauthorised access, alteration, disclosure, or loss. Access to personal data is limited to persons responsible for maintaining the website and responding to messages. The website uses standard security practices suitable for an informational website. Personal data is not published and is not made available to the public. Systems used to store information are protected by reasonable administrative and technical safeguards.
8. Disclosure of Data
Personal data is not sold, rented, or shared for marketing purposes. Data may be disclosed only when required for technical operation of the website, hosting, or communication processing. In certain situations, disclosure may be required to comply with applicable law in Singapore. Any disclosure is limited to the minimum amount of information required for the specific purpose. Third parties that process data for technical reasons are expected to handle information in a manner consistent with this policy.
9. International Data Transfer
Personal data may be stored on servers located outside Singapore when required for technical hosting or website infrastructure. When such transfer occurs, reasonable steps are taken to ensure that the data receives a level of protection comparable to the protection required under the Personal Data Protection Act 2012. Transfers are limited to what is necessary for operation of the website and communication services. The website does not transfer personal data for marketing or advertising use.
10. Cookies and Technical Data
The website may use cookies and similar technologies for basic technical operation, security, and anonymous statistics related to website usage. Cookies help maintain correct display of pages and ensure stable functioning of the site. Cookies used on this website do not identify users personally unless personal data is voluntarily provided through the contact form. Users may control cookie settings through their browser preferences. Additional information about cookies is provided in the Cookie Policy.
11. Rights of Users
Users may request access to personal data that they have provided through the contact form. Users may also request correction of inaccurate or incomplete information. Consent for processing may be withdrawn at any time, and future use of the data will stop after the request is received. Requests may be sent using the contact details listed at the beginning of this policy. The website will review requests within a reasonable time and respond using the available contact information.
12. Children’s Data
The website is intended for general informational use and is not directed specifically at children. If a person between 13 and 17 years of age provides personal data, consent is considered valid only when the person understands the nature and consequences of the submission. For children under 13 years of age, submission of personal data should be made with the involvement of a parent or legal guardian. The website does not intentionally collect personal data from children without appropriate consent.
13. Changes to This Policy
This Privacy Policy may be updated when necessary to reflect changes in the website, technical systems, or applicable law. When changes are made, the updated version will be published on this page with a new revision date. Continued use of the website after the update means that the user has read the current version of the policy. Users are encouraged to review this page from time to time to remain informed about how personal data is handled.
For more information, please use the contact details provided above.
