🔒 Privacy Policy

1. Who We Are (Operator Identity)

SGFinanceCalculators.com is operated by MAFHH INTERNATIONAL LTD, a technology and data publishing company. We are a sister platform of USFinanceCalculators.com, providing free, browser-based financial calculators specifically designed for the Singapore market.

This Privacy Policy applies to all pages, calculators, and content on SGFinanceCalculators.com. By using this Platform, you acknowledge that you have read and understood this policy.

• Platform: SGFinanceCalculators.com
• Operator: MAFHH INTERNATIONAL LTD
• Governing Jurisdiction: Singapore
• Applicable Law: Personal Data Protection Act 2012 (PDPA), Cap. 26N

2. What Data We Collect

2.1 Data We Do NOT Collect

We do not collect, store, or transmit:

• Any financial inputs entered into our calculators (income, CPF balances, property values, loan amounts, tax details)
• Your name, email, NRIC number, or any personally identifiable information
• Your CPF account details or SingPass credentials
• Bank account numbers or payment details of any kind

2.2 Data Collected Automatically

When you visit our Platform, our hosting infrastructure and analytics tools may collect:

• Server logs: IP address (anonymised), browser type, operating system, referring URL, pages visited, time of visit — retained for up to 30 days for security purposes
• Google Analytics data: Anonymised usage metrics including pages viewed, session duration, and geographic region (country/city level) — used solely to improve Platform performance
• Contact form data: If you use our Contact Us form, we collect your name and email address to respond to your enquiry — this data is not used for marketing and is not shared with third parties

3. Calculator Privacy Architecture

SGFinanceCalculators.com uses a privacy-first, client-side computation model:

• All financial calculations execute entirely within your web browser
• No calculator inputs are transmitted to our servers or any third-party server
• Calculator results exist only in your browser session and are discarded when you close the tab
• PDF reports generated by our tools are created locally in your browser — they are not uploaded or stored anywhere
• WhatsApp share buttons create a pre-filled message on your device — we do not have access to your sharing activity

This architecture means that even in the event of a data breach affecting our servers, your financial data would not be exposed — because we never hold it.

4. Cookies and Advertising

4.1 Types of Cookies Used

• Essential cookies: Required for basic site functionality. Cannot be disabled.
• Analytics cookies (Google Analytics): Help us understand which calculators are most useful. We use IP anonymisation and have disabled data sharing with Google advertising products.
• Advertising cookies (Google AdSense): SGFinanceCalculators.com is supported by display advertising via Google AdSense. These cookies may be used to show you relevant ads based on your browsing activity.

4.2 Managing Cookies

You can control cookies through your browser settings or opt out of Google’s advertising personalisation at adssettings.google.com. Opting out of advertising cookies will not affect your ability to use our calculators — all tools remain fully functional without advertising cookies.

4.3 Revenue Disclosure

Our only monetisation source is display advertising (Google AdSense). Advertisers do not influence calculator logic, content, or recommendations. We do not sell user data, run sponsored content, or receive payments for directing users to financial products.

5. Third-Party Services

We use the following third-party services, each with their own privacy policies:

• Google Analytics: Website analytics — policies.google.com/privacy
• Google AdSense: Display advertising — policies.google.com/privacy
• Rocket.net: Website hosting (Singapore server) — data stored on servers located in Singapore
• jsPDF / Chart.js: Open-source JavaScript libraries loaded from CDN for PDF generation and chart rendering

We do not sell, rent, or share your personal data with any third party for their marketing purposes.

6. Your Rights Under the PDPA

Under Singapore’s Personal Data Protection Act 2012 (PDPA), you have the right to:

• Access: Request access to personal data we hold about you
• Correction: Request correction of any inaccurate personal data
• Withdrawal of consent: Withdraw consent for the collection, use, or disclosure of your personal data at any time
• Data portability: Request your data in a machine-readable format (where technically feasible)
• Erasure: Request deletion of personal data we hold, subject to legal retention requirements

Because we collect minimal personal data (only contact form submissions and anonymised analytics), most users will have no personal data to access or correct. To exercise any PDPA right, contact us using the details in Section 10.

7. Children’s Privacy

SGFinanceCalculators.com is intended for adults managing their personal finances. We do not knowingly collect personal data from children under 18. If you believe a child has submitted personal data to us, please contact us immediately and we will delete it.

8. Data Security

We implement industry-standard security measures including:

• HTTPS encryption for all Platform communications
• Hosting on Rocket.net’s managed WordPress infrastructure with automatic security updates
• Web Application Firewall (WAF) protection
• Regular security audits of our hosting environment

However, no internet transmission is 100% secure. While we protect your data to a high standard, we cannot guarantee absolute security. In the event of a data breach affecting personal data, we will notify affected individuals and the Personal Data Protection Commission (PDPC) in accordance with the PDPA’s mandatory breach notification requirements.

9. Changes to This Policy

We may update this Privacy Policy to reflect changes in our Platform, legal requirements, or data practices. When we make material changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically. Continued use of the Platform following any changes constitutes your acceptance of the updated policy.

10. Contact Our Data Protection Officer

For any privacy-related enquiries, PDPA access requests, or data correction requests, please contact:

• Operator: MAFHH INTERNATIONAL LTD
• Platform: SGFinanceCalculators.com
• Contact: Contact Us Page
• Response time: Within 10 business days (PDPA requirement)

You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg if you believe your personal data rights have been violated.