Privacy Policy

Collection of Information

We collect personal data from you when you:

• Use or purchase any FTPL product or service.
• Subscribe to newsletters, alerts, or engage in events.
• Contact us or interact with us via any communication channel.
• Visit our website or mobile applications.
• Register for or use secure areas of our platforms.
• Provide consent for third-party data sharing.
• Participate in surveys, competitions, or customer experience feedback.
• Are a customer of a business we have acquired.

We may also receive your information from trusted third parties such as:

• Credit reference agencies
• Fraud prevention bodies
• Government or law enforcement bodies (as permitted by law)

Types of Personal Data Collected

We may collect the following categories of personal data:

• Identity: Full name, NRIC/passport number, gender, date of birth
• Contact: Email, phone number, address
• Financial: Payment history, bank account details, credit/debit card data
• Technical: IP address, browser type, device ID, OS
• Usage: Call/message history, data usage, browsing behavior
• Preferences: Language settings, marketing preferences
• Special category data (e.g., health, beliefs) only when legally permitted and with safeguards

We also use cookies and similar technologies for tracking and improving the site experience. Refer to our Cookie Policy for more details.

Purpose of Use

FTPL collects and uses your data for:

• Performing contracts and service delivery
• Processing transactions and providing customer support
• Improving service performance and development
• Complying with legal, regulatory, and tax obligations
• Conducting analytics and fraud prevention
• Sending marketing or promotional communications (where consented)

You may opt out of marketing communications by using the "Unsubscribe" link or contacting us directly.

Legal Basis for Processing

Your data is processed on the following legal bases:

• Contractual necessity
• Legitimate interests (e.g., fraud prevention)
• Legal obligation
• Substantial public interest (e.g., financial crime prevention)
• Consent, where none of the above apply

We apply deemed consent rules in accordance with PDPA Sections 15–15B, where applicable.

Disclosure of Personal Data

FTPL does not sell or rent personal data. We may share it with:

• Vendors and partners providing services on our behalf
• Regulatory authorities, when required by law
• Law enforcement for fraud or crime prevention

For overseas transfers, we ensure protection standards equivalent to the PDPA and implement contractual safeguards.

Protection of Personal Data

FTPL maintains administrative, technical, and physical safeguards to:

• Prevent unauthorized access, use, or disclosure
• Maintain data accuracy and integrity
• Ensure confidentiality of sensitive data

Access to personal data is restricted to staff and vendors with a legitimate need.

Retention of Personal Data

Your data is retained as long as necessary to:

• Deliver services and maintain contractual obligations
• Comply with legal or regulatory requirements
• Support our business operations

Data no longer required is securely deleted or anonymized in accordance with FTPL's data retention guidelines.

Your Rights Under PDPA

You have the right to:

• Request access to or correction of your data
• Withdraw your consent at any time
• Request data portability (where applicable)
• Object to direct marketing or data processing

To exercise your rights, please email: hello@fyscaltech.com. Verification procedures may apply.

Data Breach Notification

In the event of a data breach that poses a risk of significant harm, FTPL will:

• Notify the Personal Data Protection Commission (PDPC) within 72 hours
• Inform affected individuals as required by the PDPA

Data Protection Officer (DPO)

FTPL has appointed a Data Protection Officer responsible for compliance. Contact our DPO at: hello@fyscaltech.com

How Long Do We Keep Your Personal Information For?

We are committed to collecting, processing, and storing your personal data by encryption or other methods, with the best protection under the laws and regulations to provide this Service.

Storage of Information Data can be carried out in the territory of Singapore or outside the territory of Singapore, while still complying with the obligations for access and effectiveness of supervision in accordance with applicable law.

We will retain your information for only as long as there is a business or legal need in accordance with the applicable laws and regulations.

External Links

Our websites may contain links to external sites. FTPL is not responsible for the content or privacy practices of such third parties. Please review their privacy policies individually.

Policy Changes

We may revise this Privacy Policy periodically. Updates will be posted on our website, with a revised effective date.