Privacy Policy

SGfi.app ("SGfi", "we", "us", or "our")

Effective Date: 9 April 2026

This Privacy Policy explains how SGfi handles information when you use our website and tools. We are committed to complying with Singapore's Personal Data Protection Act 2012 ("PDPA") and its subsequent amendments.

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1. What We Do

SGfi provides free, browser-based financial calculators and comparison tools, including credit card comparisons, miles calculators, and CPF projection tools. These tools are for educational and informational purposes only.

2. Data We Do NOT Collect

SGfi does not collect, transmit, or store any Personally Identifiable Information ("PII") on our servers. Specifically, we do not collect:

• Names, NRIC/FIN numbers, or Singpass credentials
• Bank account details, credit card numbers, or login credentials
• CPF balances, salary figures, or other financial data you enter into our calculators

All calculations are performed locally in your web browser. The financial data you input into our tools never leaves your device and is not transmitted to any SGfi server.

3. Information We Do Collect

We collect limited, non-personal information through standard web technologies to understand how our site is used and to improve our services:

3.1 Web Analytics

We use third-party analytics services (such as Google Analytics) that may collect:

• Anonymised usage data (pages visited, time on site, bounce rate)
• Device and browser type
• Approximate geographic location (country/city level, derived from IP address)
• Referral source

Your IP address may be processed by these analytics providers but is not stored by SGfi in any identifiable form.

3.2 Cookies

Our site uses cookies for the following purposes:

You may disable cookies through your browser settings at any time. Disabling cookies will not affect the core functionality of our calculators.

3.3 Affiliate Links

SGfi may earn commissions when you click on links to third-party financial products (e.g., credit cards, savings accounts) and subsequently apply for or purchase those products. These affiliate partners may place their own cookies on your device to track referrals. SGfi does not control and is not responsible for the data practices of these third parties. We encourage you to review their respective privacy policies.

4. How We Use Collected Information

The limited, non-personal information we collect is used solely to:

• Analyse site traffic and usage patterns to improve our tools
• Ensure the technical performance and security of the site
• Track affiliate referral attribution

We do not sell, rent, or share any information with third parties for their own marketing purposes.

5. Data Retention

Since we do not collect PII, there is no personal data retained on our servers. Analytics data is retained in accordance with the policies of our third-party analytics providers.

6. Third-Party Services

Our site integrates with third-party services that have their own privacy policies. These include but are not limited to:

• Google Analytics – https://policies.google.com/privacy
• Affiliate networks and bank partners – Links to their respective privacy policies are available on the relevant product pages.

We are not responsible for the privacy practices of third-party websites or services. When you leave SGfi via an external link, you are subject to that site's privacy policy.

7. Your Rights Under the PDPA

Although SGfi does not collect personal data, you retain the following rights under the PDPA with respect to any data processed by our third-party service providers:

• Access and Correction – You may request access to or correction of any personal data held about you.
• Withdrawal of Consent – You may withdraw consent for data collection at any time by disabling cookies or contacting us.
• Data Portability – Where applicable under the PDPA amendments.

To exercise any of these rights, please contact us at the address below.

8. Data Protection Officer

For any questions or concerns about this Privacy Policy or our data practices, you may contact our Data Protection Officer:

Email: privacy@sgfi.app

9. Children's Privacy

SGfi is not directed at individuals under the age of 18. We do not knowingly collect any information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of SGfi after any changes constitutes acceptance of the revised policy.

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*Last updated: 9 April 2026*