Privacy Policy

This Privacy Policy explains how A2Z Fino Pte Ltd, a company incorporated in Singapore (UEN 202117828N) with its registered office at 68 Circular Road, #02-01, Singapore 049422 ("A2Z Fino", "we", "us", or "our"), collects, uses, discloses, and protects personal data when you visit a2zfino.com (the "Site") or engage with our services.

We are committed to handling personal data in accordance with the Singapore Personal Data Protection Act (PDPA) and, where applicable, the Hong Kong Personal Data (Privacy) Ordinance (PDPO).

A2Z Fino Pte Ltd is the data controller responsible for personal data collected through the Site. Our group includes FXFlo Limited, our Hong Kong operating company, which provides custom software and IT services. Where FXFlo Limited determines how your data is used in the course of providing services, it acts as the controller for that data.

We may collect the following categories of personal data:

• Contact details you provide — such as your name, email address, company, and any message — when you contact us or enquire about our services.
• Correspondence and records of your communications with us.
• Technical and usage data — such as your IP address, browser type, device information, and pages visited — collected automatically when you use the Site.

You are not required to provide personal data to browse the Site, but some information is necessary for us to respond to enquiries or provide services.

We use personal data to:

• Respond to your enquiries and communicate with you.
• Provide, manage, and improve our services.
• Operate, maintain, and secure the Site.
• Comply with legal and regulatory obligations.

We will only use personal data for the purposes for which it was collected, unless we reasonably consider that we need to use it for a compatible purpose or are otherwise permitted by law.

We do not sell your personal data. We may share personal data with:

• Companies within our group, where necessary to respond to you or provide services.
• Trusted service providers who process data on our behalf (for example, hosting and email providers), under appropriate confidentiality and data-protection obligations.
• Authorities or other parties where required by law or to protect our legal rights.

We retain personal data only for as long as is necessary to fulfil the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements. When data is no longer required, we will securely delete or anonymise it.

We maintain reasonable administrative, technical, and organisational measures designed to protect personal data against unauthorised access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

As a group operating in Singapore and Hong Kong, your personal data may be transferred to and processed in jurisdictions other than your own. Where we transfer data across borders, we take steps to ensure it receives a standard of protection comparable to that required under applicable data-protection laws.

Subject to applicable law, you have the right to request access to the personal data we hold about you, to request correction of inaccurate data, and to withdraw any consent you have given. To exercise these rights, please contact us using the details below. We may need to verify your identity before responding.

The Site may use cookies and similar technologies to enable core functionality and to understand how the Site is used. You can control cookies through your browser settings; disabling them may affect some features of the Site.

We may update this Privacy Policy from time to time. The current version is the one published on the Site and applies each time you use it. Material changes will be reflected by updating the "Last updated" date above.

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us at info@a2zfino.com.