Privacy Policy

Last updated: August 19, 2015

This Privacy Policy explains how Cosmo Numerology Pte Ltd ("we", "us" or "our") collects, uses, discloses and protects personal data in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA).

1. Personal Data We Collect

• Identity & Contact: name, email, phone, company details.
• Transaction Data: bookings, invoices, payment confirmations (processed by third‑party gateways; we do not store full card numbers).
• Consulting Context: information you share about your business for the purpose of receiving our Services.
• Technical Data: basic analytics such as pages visited and timestamps (if enabled via cookies or analytics tools).

2. How We Use Personal Data

• Provide and improve the Services and customer support.
• Process payments, issue invoices and manage bookings.
• Send administrative communications (e.g., scheduling, updates, policy changes).
• With consent, send marketing communications you can opt out of at any time.
• Comply with legal obligations and enforce our Terms.

3. Consent

By providing personal data to us, you consent to our collection, use and disclosure of your personal data for the purposes stated in this Policy. You may withdraw consent at any time by contacting our Data Protection Officer ("DPO").

4. Disclosure to Third Parties

We may disclose personal data to service providers (e.g., payment processors, scheduling, email, analytics) strictly to perform services on our behalf. We do not sell or rent personal data.

5. Cross‑Border Transfers

Where personal data is transferred outside Singapore, we take appropriate steps to ensure recipients provide a standard of protection comparable to PDPA requirements.

6. Data Retention

We retain personal data only as long as necessary for the purposes set out in this Policy and to meet legal, accounting or reporting requirements. When no longer needed, we will anonymise or securely delete the data.

7. Security

We implement reasonable administrative, physical and technical safeguards to protect personal data against unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks.

8. Your Rights

• Access: You may request access to your personal data in our possession or control.
• Correction: You may request correction of any inaccuracies.
• Withdrawal of Consent: You may withdraw consent to our continued use or disclosure of your personal data.

To exercise these rights, contact our DPO using the details below. We may require reasonable information to verify your identity and may charge a reasonable fee for access requests as permitted by law.

9. Cookies & Analytics

We may use cookies or similar technologies to operate the website and understand usage. You can adjust your browser settings to refuse cookies, which may affect certain site features.

10. Marketing & Do‑Not‑Call (DNC)

We will not send marketing messages to Singapore numbers listed on the DNC Register unless an exception applies or you have given clear and unambiguous consent. You can opt out at any time.

11. Children’s Data

Our Services are intended for adults. We do not knowingly collect personal data from individuals under 18.

12. Third‑Party Sites

Our site may contain links to third‑party websites. We are not responsible for the privacy practices of such sites.

13. Updates to this Policy

We may update this Policy from time to time. Material changes will be indicated by updating the “Last updated” date above.

14. Contact & Data Protection Officer

For any requests, queries or complaints (including access/correction and withdrawal of consent), please contact our DPO:

15. Governing Law

This Policy is governed by the laws of the Republic of Singapore. Any dispute shall be subject to the exclusive jurisdiction of the courts of Singapore.