Privacy Policy

1. Introduction

AmuosCart ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website amuoscart.com and use our financial education services.

This policy complies with Singapore's Personal Data Protection Act (PDPA) 2012 and other applicable privacy laws.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Name and contact information (email address, phone number)
• Demographic information (age, gender, occupation)
• Financial goals and interests (for educational content customization)
• Newsletter subscription preferences
• Communication records (emails, support tickets)

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and location data
• Browser type and version
• Device information
• Pages visited and time spent on our website
• Referring website information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing and improving our financial education services
• Sending newsletters and educational content you've subscribed to
• Responding to your inquiries and providing customer support
• Personalizing your experience on our website
• Analyzing website usage to improve our services
• Complying with legal obligations and regulations
• Protecting against fraud and security threats

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Website hosting and maintenance
• Email marketing and newsletter distribution
• Analytics and website performance monitoring
• Customer support services

These service providers are contractually obligated to protect your information and use it only for the specified purposes.

4.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders or legal processes
• Government investigations
• Compliance with regulatory requirements
• Protection of our rights and safety

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against:

• Unauthorized access, use, or disclosure
• Accidental loss or destruction
• Alteration or corruption
• Other unlawful forms of processing

Our security measures include encryption, secure servers, access controls, and regular security assessments.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience. Our cookie policy covers:

• Essential cookies for website functionality
• Analytics cookies to understand website usage
• Marketing cookies for relevant content delivery

You can manage your cookie preferences through our cookie consent banner or your browser settings. For detailed information, please refer to our Cookie Policy.

7. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Retention periods vary based on:

• The type of information collected
• The purpose for which it was collected
• Legal and regulatory requirements
• Your ongoing relationship with us

8. Your Rights Under PDPA

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

• Access: Request information about what personal data we hold about you
• Correction: Request correction of inaccurate or incomplete personal data
• Withdrawal of Consent: Withdraw your consent for data processing where consent was the basis
• Data Portability: Request transfer of your data to another service provider
• Opt-out: Unsubscribe from marketing communications

9. International Data Transfers

We primarily store and process your data within Singapore. If we transfer your data outside Singapore, we ensure adequate protection through:

• Standard contractual clauses
• Adequacy decisions by the Singapore government
• Other appropriate safeguards as required by law

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will promptly delete it.

11. Changes to This Privacy Policy

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

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

13. Governing Law

This Privacy Policy is governed by the laws of Singapore. Any disputes arising from this policy will be subject to the exclusive jurisdiction of Singapore courts.