Privacy Policy

Smart Guidline is operated by CapitaSafe.

We respect your privacy and are committed to handling personal data responsibly and in accordance with applicable data protection requirements, including the Singapore Personal Data Protection Act 2012 (“PDPA”), where applicable.

This Privacy Policy explains how information may be collected, used, disclosed and protected when you visit or interact with the Smart Guidline website (the “Website”).

By accessing or using the Website, you acknowledge the practices described in this Privacy Policy.

1. Information We May Collect

Depending on how you interact with the Website, we may collect the following categories of information.

Information You Provide Voluntarily

If the Website contains a contact form, enquiry form, subscription form or other interactive feature, you may choose to provide information such as:

• name;
• email address;
• telephone number;
• information included in an enquiry or message;
• preferences or interests you choose to provide; and
• any other information voluntarily submitted through the Website.

Please do not provide sensitive or confidential information unless it is specifically requested and necessary for the relevant purpose.

Information Collected Automatically

When you access the Website, certain technical and usage information may be collected automatically, including:

• IP address;
• browser type and version;
• device type;
• operating system;
• approximate geographical location;
• pages viewed;
• referring website or advertising source;
• date and time of access;
• time spent on particular pages;
• interactions with Website content;
• advertising or campaign identifiers; and
• cookie or similar technology identifiers.

This information may be collected through cookies, pixels, analytics tools, advertising technologies and similar mechanisms.

2. How We Use Information

We may collect, use or process information for purposes including:

• operating and maintaining the Website;
• providing requested information or responding to enquiries;
• understanding how visitors interact with Website content;
• improving Website functionality, content and user experience;
• measuring advertising and marketing campaign performance;
• identifying the source of Website traffic;
• preventing fraud, abuse, security incidents or technical problems;
• complying with applicable legal and regulatory requirements;
• maintaining internal business records; and
• managing relationships with advertising, marketing, technology and service partners.

Where required by applicable law, personal data will be collected, used or disclosed only for purposes that have been communicated to you or where another lawful basis applies.

3. Advertorial and Advertising Content

Smart Guidline may contain informational, promotional or advertorial content.

Some articles or pages may discuss products, services, companies or offers provided by independent third parties. The inclusion of such content does not necessarily mean that the relevant third party is operated, controlled or owned by CapitaSafe.

The Website may receive compensation for advertising placements, referrals, leads, clicks, completed actions or other commercial arrangements.

Your interaction with third-party offers may be subject to the privacy policies and terms of those third parties.

4. Affiliate and Third-Party Links

Smart Guidline may contain links to websites, services or offers operated by third parties.

Some links may include tracking parameters or affiliate identifiers that allow us or our partners to determine that a visitor reached a third-party website through Smart Guidline.

When you click an external link, information such as the referring page, campaign identifier, click identifier, device information or similar technical data may be transmitted to or collected by the relevant third party.

Once you leave Smart Guidline, the collection and use of your information is generally governed by the privacy policy of the third-party website or service.

We encourage you to review the privacy policies of third-party websites before submitting personal information.

5. Cookies and Similar Technologies

The Website may use cookies and similar technologies to operate correctly, understand Website usage and measure advertising performance.

These technologies may be used for purposes such as:

• remembering Website preferences;
• maintaining Website functionality;
• measuring traffic and visitor behaviour;
• analysing Website performance;
• identifying advertising or referral sources;
• measuring conversions;
• preventing fraudulent activity; and
• improving content and advertising relevance.

Some cookies may be placed by third-party service providers, analytics platforms or advertising partners.

You may be able to control or disable cookies through your browser settings. However, disabling certain cookies may affect some Website functions.

Where required by applicable law, appropriate notice or consent mechanisms may be provided for relevant cookies and similar technologies.

6. Analytics and Advertising Services

We may use third-party analytics, advertising and measurement providers to help us understand Website traffic and evaluate the effectiveness of advertising campaigns.

These providers may collect technical and usage information through cookies, pixels, tracking links or similar technologies.

Depending on the provider and circumstances, these third parties may process information on our behalf or according to their own privacy policies.

We recommend reviewing the privacy information provided by relevant third-party services where appropriate.

7. Disclosure of Personal Data

We may disclose personal data where reasonably necessary to:

• hosting and infrastructure providers;
• website developers and technical service providers;
• analytics providers;
• advertising and marketing partners;
• affiliate networks or referral partners;
• customer support providers;
• professional advisers;
• fraud prevention or security providers;
• companies assisting with Website administration;
• authorities or regulatory bodies where disclosure is required by law; and
• other parties involved in a corporate transaction, restructuring or transfer of business assets.

Where personal information collected through a form is intended to be shared with a particular service provider or commercial partner, we will seek to make the relevant purpose clear at or before the point of collection where required.

We do not intend to disclose personal information for purposes unrelated to those for which it was collected unless permitted or required by applicable law.

8. Marketing Communications

Where you voluntarily provide contact information and consent to receiving marketing or promotional communications, we or an authorised partner may contact you using the communication channels you have agreed to.

You may withdraw your marketing consent at any time by using an unsubscribe mechanism where available or by contacting us.

Where marketing communications are made to Singapore telephone numbers, applicable requirements under Singapore's Do Not Call provisions will be observed where required.

Withdrawal of marketing consent does not necessarily affect communications that are necessary to respond to an existing enquiry, provide a requested service or comply with legal obligations.

9. Cross-Border Transfers

Some of our hosting providers, analytics services, advertising partners, technology providers or other service providers may operate outside Singapore.

As a result, personal data may in certain circumstances be transferred to or processed in another country.

Where the PDPA applies to such transfers, CapitaSafe will take appropriate steps to ensure that transferred personal data receives a standard of protection comparable to that required under applicable Singapore data protection requirements.

10. Data Security

We take reasonable administrative, organisational and technical measures designed to protect personal data under our possession or control against risks such as:

• unauthorised access;
• unauthorised collection;
• unauthorised use or disclosure;
• copying or modification;
• loss;
• destruction; and
• other similar security risks.

However, no website, internet transmission or electronic storage system can be guaranteed to be completely secure.

11. Data Retention

We retain personal data only for as long as reasonably necessary to fulfil the purposes for which it was collected or to satisfy applicable legal, regulatory, accounting or legitimate business requirements.

When personal data is no longer required, we may securely delete it, anonymise it or otherwise remove the means by which it can be associated with an identifiable individual.

12. Access and Correction

Subject to applicable Singapore law and any relevant exceptions, you may request:

• access to certain personal data that we hold about you; or
• correction of inaccurate or incomplete personal data.

We may need to verify your identity before processing such a request.

Requests may be submitted using the contact details provided at the end of this Privacy Policy.

13. Withdrawal of Consent

Where we rely on your consent for the collection, use or disclosure of personal data, you may withdraw that consent by contacting us.

After receiving a valid withdrawal request, we will cease the relevant collection, use or disclosure where required by applicable law, subject to any legal or business reasons that permit or require continued processing.

Withdrawal of consent may affect our ability to provide certain services or respond to certain requests.

14. Data Breaches

If a personal data breach occurs, we will assess the incident and take appropriate steps in accordance with applicable data protection requirements.

Where notification to affected individuals or the relevant authority is required by Singapore law, we will take appropriate measures to fulfil those obligations.

15. Third-Party Websites

The Website may direct you to websites that are not operated or controlled by CapitaSafe.

We are not responsible for the privacy practices, security measures or content of independent third-party websites.

You should review the privacy policy and terms of each external website before providing personal information or using its services.

16. Children's Privacy

Smart Guidline is intended for a general adult audience and is not designed to knowingly collect personal data from children.

If we become aware that personal information relating to a child has been submitted in circumstances where appropriate consent was required but was not obtained, we may take reasonable steps to delete the information.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in:

• Website functionality;
• business practices;
• technologies we use;
• advertising or analytics arrangements; or
• applicable legal or regulatory requirements.

We encourage users to review this Privacy Policy periodically.