Privacy Policy

1. Introduction

Welcome to SaaCash, a cash flow, budgeting and forecasting, revenue and expense management software operated by Saacash Pte Ltd, a company registered in Singapore. At SaaCash, we are committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Definitions

In this Policy, "Personal Data" means any information relating to an identified or identifiable individual; "Service" means SaaCash platform; "we", "us", and "our" refer to SaaCash Pte Ltd.

3. Personal data we collect

We may collect the following types of personal data:

1. Contact information: Name, email address, phone number, and mailing address.
2. Account information: Username, password, and other credentials.
3. Usage data: IP address, browser type, device information, and usage patterns.
4. Customer support data: Information provided when you contact our support team.
5. Payment information: Billing details, credit card information, and transaction history (if applicable).
6. Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to automatically collect information about you.

4. How we use your data

We use your personal data for the following purposes:

1. To provide, operate, and maintain our platform.
2. To improve, personalise, and enhance your experience.
3. To process transactions and send transaction notifications.
4. To communicate with you, including responding to inquiries and providing customer support.
5. To send promotional materials, updates, and newsletters (with your consent).
6. To comply with legal obligations and enforce our terms and conditions.
7. Legal Basis for Processing (where required by law): We process your Personal Data on the following bases: (a) your consent; (b) to perform a contract; (c) to comply with legal obligations; (d) for our legitimate interests (e.g., improving the Service), unless overridden by your rights.

5. Disclosure of your data

We may disclose your personal data to:

1. Service providers: Third-party vendors who assist us in operating our platform.
2. Legal authorities: When required by law or to protect our rights and safety.
3. Business transfers: In the event of a merger, acquisition, or sale of assets.
4. Third-Party Links: Our Service may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to read their privacy policies.
5. Automated Decision-Making: We do not use automated decision-making that produces legal or similarly significant effects.

6. Data security

We implement reasonable technical and organisational measures to protect your personal data from unauthorised access, disclosure, or misuse.

However, while we strive to protect your data, no method of transmission or storage is completely secure. If you believe your data has been compromised, please contact us immediately (see "Contact Us").

7. Your rights

Under the PDPA, you have the right to:

1. Access and correct your personal data.
2. Withdraw consent for the use of your data.
3. Request deletion of your data (subject to legal requirements).

To exercise these rights, please contact us at privacy@saacash.com

In addition, if you are in the EEA/UK or other jurisdiction with data subject rights, you can also request: (a) data portability; (b) restriction of processing; (c) object to processing; (d) lodge a complaint with a supervisory authority.

8. Retention of data

We retain your personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy or as required by law.

Data Retention Schedule: Contact information and account data are retained while your account is active. Usage data is retained for up to 24 months.

9. International transfers

Your data may be transferred to and processed in countries outside Singapore.

We rely on standard contractual clauses, binding corporate rules, or adequacy decisions (where applicable) to ensure that adequate safeguards are in place for cross-border transfers.

10. Children's Privacy

Our Service is not intended for anyone under the age of 18. We do not knowingly collect personal data from minors. If we learn we have collected such data, we will delete it promptly. If you believe we have any data from a minor, please contact us at privacy@saacash.com

11. Changes to this privacy policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

We will notify you of significant changes via email or a notice on our homepage at least 30 days before the change takes effect.

12. Governing Law and Complaints

This Policy is governed by the laws of Singapore. If you have a dispute with us regarding this Policy, you agree to first contact us to seek resolution. You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) in Singapore or your local supervisory authority if you reside elsewhere.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at: