Privacy Policy

Introduction

At Pendula, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and handle your personal and financial information when you use our AI financial assistance services in Singapore.

We comply with Singapore's Personal Data Protection Act (PDPA) and maintain strict standards for data security and privacy. This policy applies to all users of our services, including Seasonal Financial Planner, Veterinary Practice Financial Suite, and Artist Financial Sustainability solutions.

Information We Collect

Personal Information

We collect the following personal information when you register or use our services:

• Name and contact details (email address, phone number)
• Business information (business name, type of profession)
• Billing and payment information
• Communication preferences

Financial Information

To provide our AI financial intelligence services, we collect:

• Income and expense transaction data
• Banking connection information (through secure third-party providers)
• Revenue patterns and financial cycles
• Tax-related information you choose to provide
• For veterinary practices: inventory and service data
• For artists: project and grant information

Usage Information

We automatically collect certain information about how you use our services:

• Device and browser information
• IP address and location data
• Service usage patterns and preferences
• Feature interaction data

How We Use Your Information

Service Delivery

We use your information to:

• Provide AI-powered financial pattern recognition and guidance
• Adapt our recommendations to your specific financial rhythm
• Generate insights relevant to your profession or business type
• Process payments and maintain your account

Communication

Your contact information allows us to:

• Respond to your inquiries and support requests
• Send service updates and important notifications
• Provide scheduled consultation reminders (for applicable tiers)
• Share relevant educational content (with your consent)

Service Improvement

We analyze usage patterns to:

• Improve AI pattern recognition accuracy
• Develop new features based on user needs
• Enhance user experience and interface design
• Maintain and improve service reliability

Data Security

We implement comprehensive security measures to protect your information:

Encryption

• Bank-level encryption for all data transmission (SSL/TLS)
• Encrypted storage of sensitive financial information
• Secure key management practices

Access Controls

• Multi-factor authentication options
• Role-based access for our team members
• Regular access log reviews
• Strict employee confidentiality agreements

Infrastructure

• Singapore-based secure servers
• Regular security audits and penetration testing
• Redundant backups with encryption
• Continuous monitoring for suspicious activity

Data Sharing and Third Parties

We maintain strict policies regarding data sharing:

We Never Share Your Data For

• Marketing purposes by third parties
• Sale or rental to data brokers
• Any purpose not explicitly stated in this policy

Limited Third-Party Relationships

We work with carefully selected service providers who assist us in:

• Payment processing (subject to PCI DSS compliance)
• Cloud infrastructure hosting in Singapore
• Customer support tools
• Analytics to improve service quality

All third-party providers are bound by strict confidentiality agreements and process data only as instructed by Pendula.

Your Rights Under PDPA

Under Singapore's Personal Data Protection Act, you have the following rights:

Right to Access

You can request a copy of the personal data we hold about you.

Right to Correction

You can request correction of inaccurate or incomplete personal data.

Right to Data Portability

You can request your data in a structured, commonly used format for transfer to another service.

Right to Withdraw Consent

You can withdraw consent for processing at any time, subject to contractual obligations.

Right to Deletion

You can request deletion of your personal data, subject to legal retention requirements.

To exercise any of these rights, contact us at privacy@pendulaa. We will respond within 30 days.

Cookies and Tracking

We use cookies and similar technologies to enhance your experience and analyze service usage. You can manage cookie preferences through our Cookie Policy page.

Types of Cookies We Use

• Essential cookies for service functionality
• Analytics cookies to understand usage patterns
• Preference cookies to remember your settings

For detailed information, please review our Cookie Policy.

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Active account data: retained while your account is active
• Financial transaction records: 7 years (Singapore tax law requirement)
• Communication records: 3 years from last interaction
• Marketing consent records: until consent is withdrawn

Upon account closure, we anonymize or delete personal data not subject to retention requirements.

Children's Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Email notification to your registered address
• Prominent notice in our service interface
• Updating the "Last Updated" date at the top of this policy

Continued use of our services after changes indicates acceptance of the updated policy.

Contact Information

For questions about this Privacy Policy or our data practices: