Privacy Policy

1. Introduction

This Privacy Policy explains how personal data may be collected, used, disclosed, stored, and protected when a person visits Loreviantrix or uses the optional contact form available on the website. Loreviantrix is an informational website about planning current expenses within a personal budget. The website is intended for general reading and reference, and access to the main content does not require account creation, payment activity, or mandatory submission of personal data. This policy is written to provide clear information about data handling in line with Singapore law and general principles of transparency, purpose limitation, and data minimisation. Under Singapore law, personal data protection rules apply to the collection, use, disclosure, and care of personal data by organisations.

2. Personal Data We May Collect

Personal data may include information that can identify an individual, either on its own or together with other information available to the organisation. Depending on how a visitor interacts with the website, the personal data collected may include a name, email address, subject line, message content, and any other information voluntarily included in a contact message. In addition, certain technical data may be collected automatically during normal website operation, such as IP-related log data, browser type, device-related information, language preference, referral source, or cookie identifiers where cookies are used. The website is designed so that users can read its informational pages without being required to submit contact details. Where a contact form is used, the fields are limited to Name, E-Mail, Subject, and Message in order to support communication in a simple and proportionate manner.

3. Purposes of Collection, Use, and Disclosure

Personal data may be collected, used, or disclosed only for purposes that are relevant to the operation of the website and related communication. These purposes may include responding to a message sent through the contact form or by email, maintaining communication records, supporting website administration, preserving technical security, reviewing general website usage patterns, and keeping internal records necessary for website management. If technical service providers are involved in website hosting, email handling, storage, analytics, or maintenance, personal data may be processed by them on behalf of the website operator for these limited purposes. The website does not state that personal data will be used for unrelated purposes. The website does not profile users on the basis of their interaction with video advertising and does not use personalised advertising on that basis. Singapore data protection rules require organisations to notify individuals of purposes and to handle personal data in a way that is consistent with those purposes.

4. Consent and Lawful Handling

Where consent is required, personal data is collected and used on the basis of the individual’s active submission of information through the contact form together with the required consent checkbox. If a visitor does not wish to provide personal data, the website may still be used for reading informational content, but direct communication through the form may not be possible. In some circumstances, Singapore law permits the handling of personal data under recognised exceptions. Where consent is relied upon, it may be withdrawn on reasonable notice, subject to any legal or operational limitations and the time reasonably needed to process the request. The website seeks to use clear notices, limited data fields, and direct explanations of purpose so that any consent given is connected to the relevant communication activity.

5. Access, Correction, and Withdrawal of Consent

A person may contact Loreviantrix to request access to personal data in the possession or control of the website operator, or to request correction of personal data where appropriate. A person may also request withdrawal of consent for future handling of personal data where consent is the basis for collection or use. Before responding to such a request, reasonable steps may be taken to verify identity and confirm that the request relates to the correct individual. Requests are handled in a manner consistent with applicable law and operational practicality. Where a correction request is accepted, the relevant data may be updated accordingly. Where consent is withdrawn, the website operator may stop using or disclosing the affected data for the relevant purposes unless continued handling is permitted or required by law. Singapore data protection law provides for access and correction rights and recognises withdrawal of consent with reasonable notice.

6. Retention of Personal Data

Personal data is retained only for as long as it is reasonably needed for the purposes stated in this policy, or for as long as retention is necessary for legal, administrative, or operational reasons connected with the management of the website. For example, a contact message may be retained for the time needed to review the enquiry, send a reply, maintain a communication record, and support internal record management. Once retention is no longer necessary, the data may be deleted, anonymised, or securely disposed of. Retention periods may vary depending on the nature of the communication, the sensitivity of the information, and the website’s record management needs. Singapore data protection obligations include retention limitation and require organisations to cease retaining personal data when it is no longer needed for legal or business purposes.

7. Protection and Security Measures

Reasonable security arrangements are used to protect personal data against unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks. These measures may include access controls, restricted administrative access, secure storage environments, email handling controls, routine technical maintenance, and limited internal access based on operational need. No method of electronic storage or transmission can be described as entirely free from technical risk, but the website operator seeks to apply measures that are reasonable in the circumstances and proportionate to the website’s informational nature and communication functions. Singapore law requires organisations to protect personal data in their possession or under their control through reasonable security arrangements.

8. Cookies and Technical Data

The website may use cookies or similar technical tools for basic website operation, preference storage, security support, or aggregated analytics. Where cookies are associated with personal data or can reasonably be linked to identifiable individuals, such data is handled in accordance with this Privacy Policy. A visitor may manage cookies through browser settings and, where available, on-site preference settings. More detailed information about cookie use is set out in the Cookie Policy. Guidance on Singapore data protection concepts explains that cookies may, depending on context, involve personal data considerations.

9. International Transfers

If personal data is processed or stored by service providers or systems located outside Singapore, reasonable steps are taken to ensure that the transferred data is protected to a standard comparable to the protection required under Singapore law. This may include contractual measures, restricted access arrangements, and assessment of the service provider’s handling practices where relevant. Singapore data protection obligations include a transfer limitation requirement when personal data is transferred outside Singapore.

10. Children and Young Persons

This website is general in nature and is not directed specifically at children. If personal data relating to a person under 18 is provided through the contact form, the validity of consent depends on whether that person can understand the nature and consequences of the consent given. Guidance published in Singapore states that a child between 13 and 17 may be capable of giving valid consent if the child is able to understand the relevant matters, while younger children will generally require the involvement of a parent or legal representative. Where appropriate, further steps may be taken before continuing communication.

11. Electronic Communications

If a visitor contacts Loreviantrix by email or through the contact form, that communication may be kept as an electronic record for correspondence and administrative purposes. The website contact channel is not intended for bulk unsolicited commercial electronic messages. Singapore law provides a framework for unsolicited commercial electronic messages sent in bulk and also recognises the legal status of electronic records and related transactions. These laws form part of the legal context in which website communication may take place.