Privacy Policy
This Privacy Policy explains how PriorMint collects, uses and protects personal data when providing tools and scenario-based guidance to help users make business choices aligned with their priorities. The policy includes practical examples of data use in budgeting, simulation and service delivery for users located in Singapore. PriorMint operates from 124 Telok Ayer Street, Singapore, 068593 and is registered under Business ID S3660056A.
Definitions
Key terms used in this policy are defined here to make examples and scenarios easier to follow for users. Definitions are presented with practical context so you can see how each term applies to everyday use of PriorMint services.
Data Collection
We collect data that helps us deliver practical, scenario-based budgeting and planning. The following sections separate data you actively provide from data collected automatically and data obtained from third parties in examples where users opt into linked services.
Data You Provide
When creating scenarios or requesting personalised reports you may provide information that helps us model realistic outcomes. Below are typical items we ask for and why they matter in practical use cases.
- Identification: name and email to deliver personalised scenario reports and to authenticate access to saved case files.
- Business details: revenue range, recurring bills and savings goals used to construct sample budgets and activity-off analyses.
- Preferences and priorities: labels such as 'family first' or 'early travel' that determine which example scenarios we run for you.
- Optional linked accounts: when you choose to connect a bank or aggregator, read-only transaction data can be used to populate real spending examples.
- Profile data: age band, household size and housing type to tailor case studies to common Singapore circumstances.
- Support communications: messages you send to our team so we can respond with context-aware advice and example-based guidance.
Automatically Collected Data
Some data is collected automatically to provide a smooth experience and to evaluate which practical examples help users most. We describe the types and typical uses below.
- Device and browser information used to ensure the scenario simulator works across devices.
- Usage logs capturing which case studies and scenario templates you viewed to surface the most relevant examples in future sessions.
- Performance metrics to improve modelling speed and the accuracy of activity-off comparisons.
- IP address and geolocation at a coarse level to apply local Singapore regulatory settings and currency formatting.
- Cookie identifiers used to restore sessions and preferences for scenario continuity.
- Anonymous aggregate statistics used to refine example scenarios and to prioritise content improvements.
Data from Third Parties
When you opt to enrich scenarios with external data, we describe what we request and how it is used in our practical examples.
- Aggregators or banks: read-only transaction summaries used to auto-populate spending categories for demonstration budgets.
- Analytics providers: aggregate usage trends that inform which case studies get featured.
- Service partners: verification services used in identity checks for advanced features, limited to the minimum data required.
Purposes of Processing
We process personal data to support the delivery of scenario-driven services and to improve the relevance of case-based guidance. Below are the main purposes explained with practical examples.
- Deliver personalised budgeting scenarios so you can see the impact of reallocating specific monthly expenses toward a named priority, such as 'child education'.
- Run cash-flow simulations that compare two realistic scenarios, for example staying in current housing versus downsizing, with explicit activity-offs.
- Provide account access and secure session restoration for users working on multi-step plans over time.
- Send transactional communications like plan updates or results of scheduled scenario runs you requested.
- Improve services by analysing which practical case studies resonate most with local Singapore users and adjusting content accordingly.
- Support troubleshooting and respond to support requests with context from your saved scenario or communication history.
- Comply with legal obligations, for example responding to lawful requests from authorities, using only the data necessary for the request.
- Conduct research and development on modelling methods using anonymised datasets derived from user interactions and hypothetical examples.
Legal Bases for Processing
We rely on appropriate legal bases for each processing activity depending on the purpose and the context. Examples below show how those bases apply to day-to-day features.
- Contractual necessity — to provide the service features you asked for, such as delivering a personalised scenario report.
- Legitimate interests — for product improvement and fraud prevention, balanced with respect for user privacy.
- Consent — for optional features like connecting a third-party account to auto-populate spending data for a scenario.
- Legal compliance — where processing is required to meet regulatory obligations in Singapore.
Applicable Data Protection Principles
Although PriorMint is based in Singapore, we adhere to internationally recognised data protection principles when processing data. The points below outline rights and measures relevant to users in many jurisdictions.
- Right to access — you can request a copy of personal data we hold about you, such as the inputs used in a saved scenario.
- Right to rectification — you can ask us to correct inaccurate personal information that affects scenario outputs.
- Right to erasure — where applicable, you may request deletion of your personal data used in examples, subject to retention obligations.
- Right to restriction — you may ask us to limit processing while a dispute about the data is resolved.
- Right to data portability — you can request machine-readable exports of the personal data you provided for scenario use.
- Right to object — you may object to processing based on legitimate interests for certain analytics activities; we will review and, where required, stop processing unless compelling grounds exist.
Cookies and Similar Technologies
Cookies help us deliver a continuous scenario-building experience and gather aggregated feedback on case studies. This section explains types and how to manage them.
We use session cookies for authentication, persistent cookies for preferences, and analytics cookies to understand how users interact with scenario tools and case studies.
Categories include strictly necessary cookies for the service to function, performance/analytics cookies to improve examples, and optional preference cookies to remember your display settings.
You can manage cookie preferences in your browser or through the cookie settings provided on our site. Disabling performance cookies may reduce personalised content recommendations.
Cookie settings and policy
Data Sharing
We share data only as needed to deliver services and with partners who help us run scenario simulations or provide platform functionality. Each sharing case includes safeguards and limited purposes.
- Service providers who support hosting, analytics and secure delivery of scenario reports under contract and confidentiality terms.
- Payment processors for subscriptions, where only necessary billing identifiers are shared to complete transactions.
- Aggregators chosen by users to import transaction summaries for scenario modelling, shared only with explicit user consent.
- Legal and regulatory bodies where disclosure is necessary to comply with laws or respond to valid legal requests.
- Professional advisors engaged by PriorMint under confidentiality obligations when they support specific user-requested services.
- Prospective acquirers or partners in corporate transactions, with appropriate confidentiality arrangements and limited data use until users are informed as required.
International Transfers
Where processing involves servers or providers outside Singapore, we apply contractual safeguards and select service providers that maintain industry-standard protections for personal data. Transfers are limited and only used where necessary for service delivery.
Safeguards include contractual data protection clauses, encryption in transit, and vendor assessments to ensure controls are in place before any transfer occurs.
Data Retention
We retain data only for as long as necessary to provide services, meet legal obligations, or support legitimate business needs such as improving our scenario tools. Retention periods are set according to the type of data and the purpose it serves.
Account information and saved scenarios are retained while the account is active and for a limited period after closure to support recovery and legal obligations; typical retention does not exceed 3 years after account termination unless required otherwise.
Support messages and correspondence are retained for up to 2 years to provide continuity in case follow-up is needed for your planning scenarios.
System logs and analytics used for performance and improvement are retained in anonymised or aggregated form for analysis, typically up to 18 months.
When you request deletion, we remove personal identifiers from active systems and schedule remaining backups for secure deletion within our normal backup cycles, while ensuring compliance with legal obligations.
Security Measures
Protecting data used in personalised scenarios is a priority. We implement technical and organisational measures designed to reduce risk in a manner proportionate to the nature of the data and use cases described in our examples.
- Encryption in transit and at rest for sensitive data used in scenario simulations and reports.
- Access controls and role-based permissions for staff who handle user-provided data when assisting with case-specific requests.
- Regular vulnerability assessments and third-party audits focused on the integrity of scenario modelling and data handling processes.
Your Data Rights
You have choices about how your data is used. Below are practical steps you can take and examples of when you might exercise each right.
- Access and export — request a copy of the inputs and outputs from a saved scenario (for example, the two budget variations you compared in a session).
- Correction and deletion — ask us to correct details that affect planning results or to delete your data when you no longer use the service; we will explain any limitations where retention is required by law.
- Right to correction — Example: if your mailing address or payment details held by PriorMint are out of date, you can submit a correction request and provide supporting documentation. We describe steps and required documents, and an advisor may follow up to verify changes in a practical case like updating an employer name on a payroll-linked record.
- Right to deletion (erasure) — Scenario: a former client asks PriorMint to remove their personal profile after closing all active services. We explain what records can be deleted immediately, what must be retained for legal or tax reasons, and provide a step-by-step checklist for closure and residual data handling.
- Right to data portability — Case: a user requests their transaction history to move to another business planner. We provide export formats (CSV, JSON), an example export file structure, and instructions for securely transmitting that file to a receiving service or advisor.
- Right to restriction of processing — Example: if you contest the accuracy of stored revenue documents, you may request temporary restriction while we verify. We outline the limited actions we will take during restriction (storage only) and typical timelines for verification in similar cases.
- Right to object to processing — Scenario: a client objects to direct marketing based on profiling for product suggestions. You can submit an objection and we will stop the specified processing pending assessment. We provide examples of objections (marketing, profiling) and the operational steps we take.
- Right to lodge a complaint with a supervisory authority — Practical case: if you believe PriorMint mishandled your data despite exercising other rights, we outline how to escalate with the Personal Data Protection Commission (PDPC) of Singapore, including what documentation to prepare and typical timelines observed in similar complaints.
How to exercise your privacy rights
To exercise any privacy right (access, correction, deletion, portability, restriction, objection), submit a request to PriorMint with a clear description, your contact details, and any supporting documents. Example scenario: to correct revenue records, attach a payslip or employer letter. Submit requests by email to [email protected] or by post to 124 Telok Ayer Street, Singapore, 068593. Include Business ID S3660056A for faster verification.
Response time — We aim to respond to requests within 30 calendar days of receipt. In cases that require verification or complex third-party coordination, we will provide an interim reply with an estimated completion timeframe and regular status updates, as happens in common scenarios like multi-account data transfers.
Marketing communications and choices
PriorMint uses contact details to send service updates, educational case studies, and offers tailored to your stated business priorities. Example: if you opt-in for retirement planning tips, you may receive monthly scenario-based guides. We limit marketing to channels you have consented to and document opt-in preferences to honor your choices.
Unsubscribe options — Each marketing email includes an unsubscribe link. For SMS or phone marketing, reply STOP or phone +6589827170 during business hours to opt out. Example case: a user who unsubscribed from commitment offers still receives critical operational notices unless they also opt out of service communications.
Children and young persons
PriorMint does not provide services designed for children under 16. Example scenario: if an account is found to belong to a minor, we will suspend account creation until parental or guardian consent and appropriate verification documents are provided. For educational content aimed at families, we request parental confirmation before collecting any personal data about minors.
Links to third-party services
Our website may link to external partners and tools (for example, payment processors or business data aggregators). Example case: when you connect a bank feed to PriorMint, you are redirected to the bank's site and subject to that provider's privacy terms. PriorMint is not responsible for third-party practices; review their policies before connecting.
Changes to this privacy policy
When PriorMint updates this privacy policy we will publish the revised version on priorpay.info with an effective date. Example: if we add a new data-sharing integration, we will post a summary of changes and relevant scenarios to help users understand practical impacts. Material changes will be communicated by email to active account holders where feasible.
Contact
Contact PriorMint about privacy matters at: PriorMint, 124 Telok Ayer Street, Singapore, 068593. Email: [email protected]. Phone: +6589827170. Business ID: S3660056A. Example case: request verification steps by emailing [email protected] and reference your account ID to speed handling. We log all requests for transparency and follow-up.