Privacy Policy

Warmchalk ("we", "our", or "us") operates the website providing insights into high-yield savings, DBS Multiplier, OCBC 360, and UOB One accounts. We are committed to protecting your personal data in accordance with the Singapore Personal Data Protection Act 2012 (PDPA).

As the Data Controller, Warmchalk determines why and how your personal data is processed. Our operations in Bukit Batok, Singapore, adhere strictly to the PDPA’s nine main obligations, ensuring transparency, purpose limitation, and security.

Contact Details:
Address: 129 High Street, Bukit Batok
Email:
Phone: +65 9406 5650

We may collect, use, and store different types of personal data about you, which we have grouped as follows:

• Identity Data: Full name, username, or similar identifier.
• Contact Data: Email address, telephone numbers, and mailing address.
• Technical Data: Internet protocol (IP) address, browser type and version, time zone setting, location data, and operating system.
• Usage Data: Information about how you use our website, products, and services, including interaction with banking guides.
• Marketing Data: Your preferences in receiving marketing from us and our third parties.

Under the PDPA, we must have a legal basis to process your data. Warmchalk processes your data for the following purposes:

1. Consent: Where you have given us clear consent to process your data for a specific purpose (e.g., subscribing to our Singapore interest rate newsletter).
2. Contractual Necessity: To fulfill our obligations arising from any contracts entered into between you and us.
3. Legitimate Interests: For our business interests in improving our website content (e.g., analyzing which bank—DBS, UOB, or OCBC—users prefer) and ensuring network security.
4. Legal Obligation: To comply with financial regulations or law enforcement requests in Singapore.

We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements.

In the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you, we may retain your personal data for a longer period. To determine the appropriate retention period, we consider the nature and sensitivity of the data and the potential risk of harm from unauthorized use.

We may share your personal data with the parties set out below:

• Internal Third Parties: Members of the Warmchalk team for administrative purposes.
• External Service Providers: IT service providers and system administrators based in Singapore or internationally.
• Professional Advisers: Lawyers, bankers, auditors, and insurers providing consultancy and legal services.
• Government Agencies: Statutory bodies like the Personal Data Protection Commission (PDPC) if required by law.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

As a resident of Singapore or a user of our services, you have rights under the PDPA including:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Correction: You can ask us to correct any incomplete or inaccurate data we hold about you.
• Right to Withdraw Consent: You can withdraw your consent to data processing at any time.
• Right to Portability: You can request the transfer of your data to another party in a structured format.

To exercise these rights, please contact our Data Protection Officer at .

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