Privacy Policy

Our SYH Management n Advisory Pte. Ltd. is a company duly incorporated in Singapore bearing UEN. 202343016Z (“DDK Capital”, “Company”, “we”, “our” or “us”), and we at DDK Capital take the protection of your personal data seriously.

Hence, this Privacy Policy ("Privacy Policy") sets out the terms and conditions pursuant to which we collect, store, use and share the personal information that we obtain from you, whether via our website www.ddkcapital.com.sg (“Website”), our associated mobile application, emails, other interactions that occur between you and DDK Capital, whether online, remotely, in-person or offline (except as set forth in Section 12 below).

Through our Website, email and other interactions that occur online between you and us, DDK Capital provides information (whether via articles, videos, FAQs, whether free, paid or on a subscription basis or otherwise) regarding management of businesses, increasing productivity, enhancing your returns from businesses, and other business related advice, whether by DDK Capital itself or in conjunction with other third parties (collectively, “Site Services”), that does not constitute the provision of financial, insurance, legal, or any other forms of advice for which a licence may be required in Singapore.

As such, this Privacy Policy applies to any person (hereinafter referred to as “you” or “user”) who accesses, reads, participates in, or howsoever uses any part of our Website or our other Site Services, as well as to any person who receives our news updates, news summaries, press release updates, reports, analysis, newsletters, EDMs, marketing materials, promotional updates, support patches, technical updates, messages (via any channels), or other emails (collectively, "Updates"). “Site Content” and “Updates” collectively shall be referred to as “Content”.

In order to serve you better and provide you with information of interest to you, reply to your requests and/or messages, we require information from you, some of which may be considered as Personal Data (defined in Clause 1.2 below). Please therefore read carefully and be agreeable to all the provisions herein this Privacy Policy before you decide to use any of our Site Services.

In addition, please note that your access to and use of our Site is subject to our Website Terms of Use (“Terms of Use”), the terms and conditions as set out herein this Privacy Policy, and any other terms of service (including rules and guidelines) that may be applicable to your use of our Content, Website, Updates and/or other Site Services that we may in our sole discretion introduce from time to time (all such terms, conditions, rules and guidelines shall hereinafter be collectively referred to as the “Agreement”). Accordingly, by accessing our Website or any of our Content, using any of our Site Services, or otherwise howsoever providing us with your Personal Data, you are agreeing to our collection of your information pursuant to this Privacy Policy. Therefore, should you disagree with any clause in the Agreement, please immediately cease your access to, participation in, and use of our Website, our Content and our Site Services.

For expediency and for compliance with any changes in the law or our Company’s policies, we reserve the right to amend this Privacy Policy in our sole discretion at any time (without prior notice to you where such amendments are immaterial and/or not required by applicable law), and you agree that your continued access to, usage and/or viewing of our Website, our Site Services and/or Content, staying in communication with us via email or other online channels, and/or taking part in our promotions (whether notified to you or made available online or offline, via email, telephone, road shows or other events) constitutes your unconditional acceptance of our amended Privacy Policy, the date of the latest version that is in force being indicated by the date shown at the end of this Privacy Policy. You agree that it is your sole responsibility to keep yourself updated of any amendments by reviewing this Privacy Policy at our Website regularly. Nonetheless, for material amendments or where advance notice is required by law, we will notify you before such amendments to this Privacy Policy take effect.

What are the general types of Data Collected?
1. When you visit, access or use our Website, Content, and/or any of our Site Services, register for any account or subscription, pay for any Content, and/or sign-up for any of our Updates, email us, call us, or take part in our promotions (offline or online), we collect Personal Data and Anonymised Data.
2. “Personal Data” refers to information, whether true or otherwise, with personal identifiers that can be used separately or collectively with other available (or likely to be accessible) information to identify an individual, such as name, address, NRIC/FIN number, mobile number, email address, birthdate, gender, income range, residency status, bank account details, and credit/debit card details.
3. "Anonymised Data" refers to information that is not associated with or linked to your Personal Data and cannot be used to identify individual persons.
When is Data collected?
(A) Anonymised Data
1. When you access our Website, Site Services, Content, and/or any of our online advertisements and banners, we collect Anonymised Data about you via the application of generally acceptable web technologies including but not limited to "web beacons", "cookies", "clear GIFs", "widgets", "online evaluations", "surveys", “HTML5”, “dynamic device identifiers”, and third-party web analytics such as "Google analytics" (collectively, “Acceptable Technologies”). This automatic collection of non-personal information includes (without limitation) collection of your IP Address, the web browser software that you used, the type of smart phone or tablet that you may be using, the operating software/platform of your device, your sign-up(s) for any subscription, accounts, paid Content, free Content, Updates or information via our Website and/or Site Services, your general interest as indicated by the banners or advertisements that you click on, the specific pages of our Website viewed by you, the specific categories or features in our Website accessed by you, the sharing of any information by you via our Website, any third party application used in conjunction with our Website or Site Services, your downloading or hyperlinking of any of our Content, and third party websites that you may have visited prior to our Website. Our purpose for the aforesaid collection of information is for us to understand the preference of our visitors and users so as to enhance and facilitate the ease with which you are able to access or use our Website and our Site Services.
2. As part of the Anonymised Data that we collect, when you access our Website via your mobile device or tablet, we will also collect information regarding the type of mobile device or tablet that you are utilising so that our Website, Content and/or Site Services can provide you with the version of our Website Content and/or Site Services best suited for access on your mobile device or tablet.
3. If you do not consent to our collection of Anonymised Data, please adjust the settings on your computer, tablet and mobile device to block or disable our use of the Acceptable Technologies. In the event that you choose to access our Website or our Site Services without blocking or disabling or opting out of the Acceptable Technologies, such access by you will constitute your consent to our use of the Acceptable Technologies and our collection of information thereto.
4. To better assist you in understanding the generally Accepted Technologies used in our collection of Anonymised Data include:-
  1. “Clear GIFs” refer to clear electronic images that are used to track your opening of webpages on our Website and your pattern of browsing our webpages as well as your access of our Website, for the purpose of allowing us to assess the attractiveness of the content on our Website, and the flow of webpages and layouts that appeal to you. Clear GIFs are also commonly known as "web beacons" and may be included on our Website, and generally works in conjunction with cookies to identify users and user behaviour. Some of our HTML based emails also utilise Clear GIFs in order for us to assess what are the emails we sent that have been opened and acted upon. Clear GIFs collect only limited data, such as a cookie number, the time and date of when a particular webpage, feature or service on our Website is accessed, and a description of the webpage, feature or service on our Website in which the clear GIF resides. Such collected Anonymised Data helps us to determine the effectiveness of the way our webpages, features and services are arranged on our Website, our modes of communications and promotional campaigns.
  2. “Cookies” refer to small pieces of data that a website sends to your computer’s hard drive or mobile device’s internal storage while you are viewing the said website. Our Website utilises both session cookies (they expire the moment your Internet browser is closed) and persistent cookies (they will remain in your computer until you actively take steps to delete them) so as to provide you with a more personalised and interactive experience on our Website. By changing the options on your Internet browser and adjusting the settings in your mobile device (subject to your version of operation system and your device’s features), you can control whether to accept or decline cookies.
  3. “Dynamic device identifiers” refer to “identifier for advertisers” or “IFA”, which is a random, anonymous number assigned to an end-user of the iPhone or iPad and is temporary, allowing it to be blocked like a cookie. When an end-user views an application or browses the internet, the end-user’s presence generates a call for an advertisement as the publisher’s site that the end-user is viewing will pass the IFA to the ad server and the advertiser is then able to serve the end-user with an advertisement relevant to the topic being viewed. IFA can also be used to identify whether the advertisements resulted in end-users downloading applications or purchasing products that were advertised. The IFA does not identify the end-user personally, it provides an aggregated audience data that advertisers can target with advertisements. IFA can be opted out of via the settings in the end-user’s device (by default, the IFA is enabled), subject to the availability of such options in the version of your operating system and the features of your device.
  4. “HTML5 local storage” refer to caching services utilizing primarily a cache manifest file, which allows for storage of your preferences offline which will then be updated and synchronized when you go online.
  5. “IP Address” refers to a number that is automatically assigned to your computer when you access the Internet. Under certain circumstances, your IP Address remains the same from browser session to browser session. However, in the event that a consumer Internet access provider is utilised, your IP Address will likely vary from session to session. We track IP Addresses solely in conjunction with session cookies to analyse the flow of webpages on our Website.
  6. "Third-party web analytics" refer to services provided by third party service providers for the assessment, analysis, measurement and reporting of the behaviour of visitors to a website in order to assess and improve the effectiveness of the website. One of the most well-known third-party analytics service is "Google Analytics".
5. (B) Personal Data
6. Subject to Clause 3.3 below, when you register for an account with us (whether for a paid subscription, Updates, purchase of a particular product or service, or any other reasons), generally the Personal Data that we collect from you will include your name, email address, mobile number, address (may be the Entity’s if you are representing an Entity), and if you are representing any corporation/organisation/entity (“Entity”) the Entity’s full legal name, and the Entity’s business registration or unique entity number. Accordingly, if you are registering on behalf of an Entity, some of the data that we collect from you may not constitute Personal Data under relevant personal data legislations.
When are you deemed to have consented to our Collection, Retention and Use of Personal Data?
1. In order for our Company to provide you with the Content and our Site Services as well as our Updates regarding our Site Services, Content, other products and services, including but not limited to our updating you on the latest related news or other information based on your request or online subscription with us, enabling you to subscribe to our services, sign up for an account with us, purchase any of our products or services, hyperlink to our Website or any pages thereto, your receiving our Updates based on your indicated preferred channel, and allowing you to contact us via our Website, email, Whatsapp (or other similar online text/chat applications) or telephone, you agree and consent to our Company collecting, using and retaining your Personal Data as follows:-
  - When you register for an account with us, sign up for our Updates, subscribe for any of our Site Services, purchase any of our products or services, download and/or hyperlink any part of our Website, access our Website for information, or you email or call us with any queries, you will be required to provide us with your Personal Data in order for us to register you add you to our mailing list, enrol you for our Updates, services or events that you requested for, grant you permission to access certain restricted portions of our Website, provide you with your purchased product or service, revert to your queries and/or to liaise with you in relation to your requests.
  - When you register an account with us, subscribe to any of our Site Services, use any of our Site Services, access our Website, make any purchases via our Site, view any of our Content, register for any programme, webinar, seminar, exhibition or other events or Updates, or participate in promotions (offline or online) that we DDK Capital (or our other business partners, whether in conjunction with us or otherwise) provide, we will require your Personal Data in order to keep a record of and provide you with the benefits that accompany your registration, usage of our Website, our Site Services, subscription, product purchase, service engagement, participation in any event, programme and/or promotional campaigns (whether online or offline). Unless you withdraw your registration, subscription or enrolment, cancel your account with us, terminate any engagement of our Site Services, cancel your subscription for Updates, withdraw from events that you have signed up for, cease all access to and use of our Site and Site Services, we will keep your Personal Data for as long as you still have an account with us, remain a subscriber (whether for Site Services, Content or Updates, regardless of paid or free of charge), continue to use our Site Services, access our Website or any of our Content, so that we can provide you with the relevant services, products and/or benefits. Accordingly, we will retain your Personal Data for as long as we are of the reasonable opinion that you may still be interested in any of our Site Services, Content, Updates, programmes, events or promotions, our new products and/or services so that our Company can be expeditious in the provision of information, our services or products whenever you should require information or seek to engage any of our services, use any of our products, request a delivery of any of our products or our assistance. In the event that you notify us that you wish to terminate all access to our Website, Content, Updates, Site Services, programmes, promotions and events as well as ceasing all communications to and from our Company and terminating all engagement of our services (including termination of any account you have with us), we will keep your Personal Data only for as long as is necessary to fulfil legitimate business, legal, accounting and audit purposes, in relation to the Website and our operation of the associated business thereto. Thereafter, we will destroy your Personal Data.
  - When you click on any of our Company’s Google ads or other internet based advertisements for more information regarding our Website, our Content, or our other Site Services, Updates, services or products, we collect the Personal Data that you provide in order to follow up with you pertaining to your interest in the aforegoing.
2. In addition, we will retain your Personal Data where necessary and for such duration as may be required in order for our Company to comply with applicable laws and regulations, assist in any legal investigations, meet the demands from any regulatory or law enforcement bodies, for utilization in legal proceedings, minimizing fraud, collection of debts, repayment of loans, resolving disputes, identifying issues, enforcing contractual breaches and/or claiming for damages.
3. Without prejudice to the generality of the abovegoing clauses hereunder this Section 3, specifically, when you utilize social login (i.e. using data already held with a Social Media Site (as defined in Clause 12.4 below)) to register an account with us, to access your account, our Website, Content, Updates, other services or products, we will generally only collect, retain and use your email address (and any other information provided by the said Social Media Site), usually for the purposes of having a unique identifier for your account (as each user is only permitted to register one account with us), to allow you to secure your account, and for us to communicate with you regarding your account, your use of our services or products, and/or any other matters of interest to you that you may have informed us of from time to time.
When would my Personal Data be disclosed?
1. We may need to disclose your Personal Data to:-
  - third party service providers in order for us to facilitate your access to and use our Website, our Site Services, our Content, login to your account registered with us, verify your identity for access to your account registered with us, any features or functionalities provided by third parties as made available on our Site, download Content, hyperlink to any of our Website pages, register for our events, participate in our promotions, for us to contact you as you may have requested via our Website, messaging, email or telephone, for us to schedule and send on a regular basis to you our Updates, for us to maintain and update your records to ensure that you receive our replies to your queries, for us to follow up on any delivery of any Content, services or products that you may have requested for, and to provide you with any Updates, attend our events, engagement of our Site Services, and/or participation in any promotional campaigns. The aforesaid third party service providers have a contract with us to perform the services necessary for you to use our Website, our Site Services, our Content, receive any of our products, services or electronic direct mail marketing materials.
  - Updates and/or our services or products that you might have requested, and such third party service providers therefore include but are not limited to webhost companies, website maintenance companies, database storage companies, cloud solutions providers, electronic direct mail marketing companies, programme service providers, app stores, platform maintenance providers, credit bureaus, payment solutions companies, credit card associations, financial institutions, companies that assist to perform mass mailing and/or mass messaging on our behalf, courier and logistics companies, etc.;
  - our third party business partners who are providing advice or consultations pursuant to your queries or requests, discounts, vouchers, redemption items and other privileges as may be provided by us (whether via our Website or other channels) from time to time;
  - our book-keepers, accounting firms, audit firms, corporate secretarial firms, law firms and/or other professional advisory firms who are maintaining our records in accordance with legal requirements;
  - governmental, regulatory or law enforcement bodies who have a legal right to demand for your Personal Data;
  - credit bureaus, credit rating agencies and fraud preventing companies for the purpose of minimizing fraudulent activities via your Personal Data; and
  - our affiliated or related companies and/or third parties to whom we may sell, divest, transfer, assign, share or otherwise engage in a transaction that involves, some or all of our Company’s assets (which may include your Personal Data), in the course of a corporate divestiture, corporate restructuring, merger, acquisition, joint venture, trade sale, bankruptcy, dissolution, reorganisation, or any other similar transaction or proceeding.
  Except as provided above, we do not sell, rent, licence or otherwise disclose your Personal Data to third parties, and only our authorised personnel who have signed written obligations of confidentiality are permitted to access your securely kept Personal Data in order to provide the services that you are using or have requested for from our Company. We are careful in our selection of third party service providers, and all such third party service providers are bound by obligations of data protection (pursuant to contracts and/or applicable laws) similar to the obligations herein this Privacy Policy. In general, the third party service providers engaged by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.
Will my Personal Data be transferred out of Singapore?
1. Pursuant to the purposes and activities as set out in sections 3 and 4 above, it may be necessary for us to transfer your Personal Data out of Singapore. You hereby agree and consent to the aforesaid transfer, on the understanding that the recipients of such Personal Data are also subject to applicable laws or contractual obligations similar to the obligations as set out in the Personal Data Protection Act 2012.
What warranty and undertaking do I provide regarding my Personal Data?
1. In order for us to provide you with access to your account, our Website, our Site Services, our Content, our Updates, and all their respective associated functions, our services and our products, and to perform the activities as set out in sections 3, 4 and 5 above, you warrant that the Personal Data that you provide to us is accurate, and that all Personal Data as may be relevant for that particular purpose/transaction/circumstance has been provided. In the event of any changes or updates to your Personal Data, you undertake to promptly inform us in writing of such changes, failing which we shall not be responsible for any consequences thereto (including but not limited to your non-receipt of communications sent by us, non-completion of any transactions performed via our Website, inability to redeem your credits, access or download paid Content, and/or your inability to access our Website).
What should I do if I do not wish to receive your Calls or Text Messages?
1. We respect your selections in relation to the channels via which you wish to receive our Updates. Therefore, if you have registered your telephone and/or fax number with the Do-Not-Call (“DNC”) Registries in relation to telephone calls, text or fax messages, we will not send you any Updates via the channels that you have opted out of by registering with the Do-Not-Call Registries. However, if you have previously consented to our sending you Updates via your telephone number (calls or text messages) and/or facsimile number, we will continue doing so until you withdraw your consent by contacting our Data Protection Officer at Admin@ddkcapital.com.sg.
How do I delete my account and withdraw my Consent?
1. Should you wish to delete your account, please click on the “Delete” tab under your account “settings” after logging into your account. To learn more about deleting your account, please email us at Admin@ddkcapital.com.sg. Please note that all your saved data will be permanently deleted when you delete your account, and you will no longer be able to access restricted or paid Content (even if your subscription period has not yet expired or you have already paid for any specific Content). As such, deletion of your account will constitute your withdrawal of consent to our use, retention, disclosure and transfer of your Personal Data. Please see Clause 8.2 below to understand what may ensue pursuant to your withdrawal of consent.
2. You may at any time withdraw your consent to our use, retention, disclosure or transfer of your Personal Data pursuant to this Privacy Policy by emailing our Data Protection Officer at Admin@ddkcapital.com.sg. However, please note that any such withdrawal of consent may result in us being unable to continue providing our services or fulfilling our contractual obligations with you, including but not limited to termination of your access to your account with us, our Website, our Content, and/or Site Services, inability to access or redeem any credits, inability to transact or complete an ongoing transaction started via our Website, any of our Site Services, cancellation of any engaged services, scheduled Updates’ delivery, purchased products or services, enrolled events, and thereby all deliverables that would have been provided thereunder, termination of programme benefits that would otherwise have been available to you, inability to access your status and logs and/or paid Content that would be otherwise reflected in your registered account with us, cessation of your access to our Website, our Site Services and all Content as well as other features thereto, inability to provide you with the opportunity to participate in promotions, inability to fulfil any request for information or regular Updates that you may have submitted to our Company, inability to allow your participating in any requested event or listing, fulfill any service requests and/or purchase orders, and potentially inability of third parties to provide you with their services or products as you might have contracted with them through our Website, our Content, or Site Services, regardless of whether you have made payment for such engagements, enrolments, services or products. Accordingly, your withdrawal of consent may also lead to the termination of any contract(s) that you may have with our Company, as well as termination of any contracts with any third parties you may have engaged with through our Website, our Company or Site Services, for which our Company expressly reserves its rights and remedies thereto. Our Data Protection Officer will further advise you on the legal consequences that may ensue should you contact him to withdraw your consent.
3. Should you wish to unsubscribe to our email updates, please click the "unsubscribe" option made available in our emails to you. Please note however that this may result in our being unable to make available to you updates on our products and services, events, our Company, your benefits under our membership programme, and any ongoing promotions.
How do I access my or correct my Personal Data?
1. Should you wish to access, update or make corrections to your Personal Data held with us, or if you wish to receive further clarifications on your Personal Data held with us, please email our Data Protection Officer at Admin@ddkcapital.com.sg.
2. There will be no administrative fees or other charges levied for any request to correct or update your Personal Data. However, for all other requests such as accessing your Personal Data held with us, obtaining a record of when you accessed our Site or Site Services, the date of your requests for information, etc., a reasonable administrative fee may be levied depending on your request as time and resources will be spent in accommodating your requests.
3. Should you have any queries or complaints pertaining to this Privacy Policy, our Website Terms of Use, any other specific terms of service of the Agreement, your Personal Data as registered with us, or in relation to our Company’s use, retention, disclosure or transfer of your Personal Data, or should you desire to learn more about our data protection policies and security measures, please email our Data Protection Officer at Admin@ddkcapital.com.sg.
4. In the event that you are a citizen or resident of the European Union, please refer to section 14 “Citizens of and Residents in Members of the European Union” below for more information.
Is your Website for Minors?
1. Our Website, our Site Services, our Content, our Updates, our events, our promotions, our services and products are not meant for persons who may be defined as minors under applicable law. As such, if you are below 18, please terminate all access to our Website, our Content, our Updates and Site Services immediately, and do not register any account with us. We reserve the right (but not the obligation) to demand at any time evidence for our review to verify that you are above 18 years of age. In the event that you are under 18 years of age, or we reasonably suspect that you are under 18 years of age and you are unable to prove otherwise, your account registration, enrolments, subscriptions, service engagements, and purchases with us (if any) shall be immediately terminated and no refunds of any kind shall be provided to you.
2. To clarify, we do not knowingly collect Personal Data from minors, however, through the internet, we are not able to ascertain on our end whether such individuals are minors. It is thus the responsibility of parents or guardians to ensure that their minors do not access our Website, use our Site Services, Content, Updates, hyperlink to any of our Website pages, enrol for any of our events, promotions, services, access to any of our Content, email us, or provide us with Personal Data without their parental/guardian's consent. If a parent or guardian becomes aware that his or her minor has accessed our Website, our Content or our Site Services or provided us with Personal Data without his/her consent, he or she should contact our Data Protection Officer at Admin@ddkcapital.com.sg promptly.
What are the Security Measures that Protect my Personal Data?
1. We ensure that our Website is protected by reasonable security measures afforded by current technology, and that all our data hosts and servers are similarly protected by such security measures, including but not limited to firewalls.
2. Your Personal Data is kept securely and protected against unauthorized access and disclosure. We utilise security means such as (without limitation) password protection, encryption, locked and restricted access. We have strict policies in place restricting access to Personal Data to only our authorized personnel on a need-to-know basis.
3. We will take practical steps to ensure that your Personal Data will not be kept longer than as set out herein this Privacy Policy, or for as long as is necessary for fulfilling the purposes for which you have entrusted us with your Personal Data, or as may be required for legitimate business or legal purposes, whichever is the latest.
What are the Exclusions to this Privacy Policy’s applicability?
1. This Privacy Policy does not apply to Personal Data about our own employees, contractors, agents, and job applicants. In the event that you are an EU citizen or residing in the EU, please refer to the provisions thereunder our Section 14 which will apply to you and prevail over any other contradicting provisions in any other sections herein this Privacy policy.
2. Our Website, our Site Services, our Updates, our Content, emails and other promotional messages may contain hyperlinks to websites operated by third parties. However, such third party websites are not governed by our Privacy Policy or Website Terms of Use. We are not responsible for the privacy policies or data security of such third party websites, even if they are co-branded with our Company name or logo, or our Website or Site Services, or promotional messages on our Site display products or services that originate from such third parties, or our Site displays products or services originating from such third parties as redemption rewards available thereunder our subscription plans, promotions or programmes, or when we allow your utilization of social login to register an account with us, to access your account, our Website, our Content, our Site Services, our other services or products. As such, we urge you to learn about the privacy policies of these third party websites before accessing or using them, and to be careful about providing any Personal Data to such third party websites. We seek your understanding that we are not liable for any acts or omissions or any loss or damage that you may suffer due to your use or access of such third party websites.
3. Without limiting the generality of Clauses 12.1 and 12.2 above, as our Website and Content may incorporate videos and podcasts, and such videos and podcasts (or links to such videos and podcasts) may be made available via YouTube, or the use of YouTube API Services (as defined in the “YouTube Terms of Service” found at https://www.youtube.com/t/terms), or via any other third party platform. You therefore hereby agree that in order for you to access the aforesaid videos and podcasts, you must agree to comply with all provisions therein the YouTube Terms of Service, the Google Privacy Policy at http://www.google.com/policies/privacy and/or any other applicable third party platform’s terms and privacy policies, failing which, you are not permitted to access the aforesaid videos and podcasts.
4. Our Company may utilise reputable social media/network sites such as, but not limited to Facebook, Twitter, Instagram, Pinterest and LinkedIn as well as app stores such as Google and Apple platforms (collectively the “Social Media Sites”) so as to connect to your social networks, or to allow for your utilization of social login to register an account with us, to access your account, our Website, our Content, our Site Services, other services or products. In order to allow for your utilization of social login to register an account with us, to access your account, our Website, Content, Site Services, other services or products, and/or to generate interest in our Website, our Content and our Site Services, our products and services amongst the contacts in your social networks and to allow you to share your interest in our Website, our Site Services, our Updates, our Content, our promotions, programmes, events, and/or our other products and services, we may provide access to our Website to the third party Social Media Sites, and there may thus be links on our Website to such Social Media Sites. The aforesaid association with the Social Media Sites does not constitute any endorsement or recommendation of any of the Social Media Sites by our Company nor vice versa. As per clause 12.1 above, kindly review the terms of use and privacy policies of the Social Media Sites before you use or access such Social Media Sites in conjunction with our Website, our Content or Site Services or any of our Content, events, programmes, promotions and our products or services made available via any Social Media Sites.
5. The association of our Website, our Content, and/or Site Services with the Social Media Sites makes available certain features which when used by you, may result in information being made available from your accounts with the Social Media Sites to our Company, which in the case of your utilization of social login to register an account with us, to access your account, our Website, our Content, our Site services, other services or products tends to be limited to the collection, retention and use of your email address. Should you prefer that we do not collect your information from the Social Media Sites, please (i) do not use the features or links that associates our Website, our Content and/or Site Services with the Social Media Sites; and (ii) adjust the settings in your accounts with the Social Media Sites to prevent the sharing of your information with our Website, Content and/or Site Services. Please note that our Company cannot control nor is our Company howsoever responsible for the sharing of your information by the Social Media Sites with third parties.
6. One of the features which you may see available on our Website, Content and/or Site Services in association with the Social Media Sites, is the “like” feature by Facebook, and other similar functions provided by other Social Media Sites. When you “like” our Website, Content, or any of our Site Services or our other products or services, information about our Website, Content or Site Services, our products and services will be made known to your network within your Social Media Sites’ accounts via a variety of methods employed by the relevant Social Media Site. Your information may also be made known alongside with our services, products or services that you have liked pursuant to the methods/channels made available by Social Media Sites in relation to such features. If you are not agreeable to the aforegoing, please instruct the relevant Social Media Site or adjust your account settings with the Social Media Site. Please note however that we are not obliged to display on our Website, Content or any related webpages (whether on Social Media Sites or otherwise) any of your information, including but not limited to your photo or name, even if you “like” our Website, our Content, our Site Services, our other services or products. In the event that any of your information, product or service endorsements (including your liking of our Website, our Content, our Site Services, any of our Company’s other services or products, or third party services or products featured on our Website, Content or Site Services) appear on our Website or any related webpages (whether on Social Media Sites or otherwise), we shall have the right in our sole discretion to remove such information or product/service endorsements from our Site or any related webpages.
Which law and jurisdiction governs this Privacy Policy?
1. The terms and conditions of this Privacy Policy are governed by the laws of Singapore. In the event of any disputes arising from this Privacy Policy and your use of our Website, Content, Updates, and/or our Site Services, you must first contact our Data Protection Officer at Admin@ddkcapital.com.sg regarding your concern and use your best endeavours to amicably settle any dispute in good faith. We on our part will also use our best endeavours to amicably settle your concerns in good faith. However, if no amicable resolution is reached within 30 days, you agree to submit to the exclusive jurisdiction of the Courts of Singapore. If you have any questions regarding this Privacy Policy or your Personal Data, please contact our Data Protection Officer at Admin@ddkcapital.com.sg.
Citizens of and Residents in Members of the European Union
1. This Section 14 of the Privacy Policy is applicable only if you are a citizen of, or resident in, any members of the European Union. The clauses hereunder this Section 14 supplements the above provisions of this Privacy Policy which will still apply to you (subject to the provisions hereunder this Section 14).
2. Our collection, use, processing and retention of Personal Data is as described above. Our legal basis for processing of Personal Data is dependent on the context in which the Personal Data was collected, which will therefore also determine the type of Personal Data collected. Nonetheless, collection and processing of Personal Data is usually only performed where it is necessary for us to provide our services or products to you, and for us to comply with applicable legal requirements (as further described in Sections 3, 4 and 5 above), where necessary for our legitimate business or legal interests that are not superseded by your rights, and/or where you have consented.
3. In the event that your Personal Data has been collected based on our (or a relevant third party’s) legitimate interests, the said legitimate interest is generally for the operation of our Company and the provision of our services, managing our relationship with you such as updating your subscription with us, account status, communicating with you in order to provide you with our services and products (whether developed by our Company or third parties as made available via our Site), updates to our Website, Content, Site Services, promotions, programmes, events, activities, offerings, and other legitimate business interest such as replying to your requests, sending you Updates, maintaining your access to Content that you have paid for or subscribed to, developing our Website, our Content, our Site Services, our other products and our services, offering promotions, publicity, or security enhancements, crime prevention and fraud detection. Should we have other legitimate interests, we will where appropriate notify you of them clearly at the relevant time.
4. In the event that you are requested to provide your Personal Data in order to enter into a contract with us, or for compliance with a legal obligation, we will make it clear to you at the appropriate juncture and advise you accordingly as to whether the provision of your Personal Data is indispensable, together with the possible consequences that may ensue should you still choose not to provide your Personal Data under the circumstances. To illustrate, in the event that you request for us to send you regular updates on the latest news regarding the processes for optimizing manufacturing efficiency, in order for you to receive such updates and fully benefit from and utilize our services, your Personal Data would have to be provided to us and processed as per the above provisions of this Privacy Policy.
5. Your Personal Data will be retained and processed securely for as long as there is still ongoing legitimate commercial need for such retention and processing. Examples of legitimate commercial needs would be to allow you to continue accessing our Website, to maintain your account, subscription or membership, facilitating your redemption of credits, providing Updates and other services or products to you, investigating and defending any potential legal action or claim against us, and as may be required or permitted by applicable laws (including laws pertaining to taxation and keeping of accounting records). As soon as there is no more legitimate business or legal needs for us to retain and process your Personal Data, your Personal Data will be deleted or anonymised (where possible), and in the event that it is not possible (such as storage of Personal Data in backup archives), we will ensure the security of your Personal Data that is being stored, segregate it so that no further processing will be carried out using your Personal Data, and will delete your Personal Data once possible.
6. As we are a business based in Singapore, your Personal Data may be transferred to countries that are not members of the European Union, and who may not mandate the same obligations of data protection as the European Union. Nonetheless, please be assured that we adopt appropriate measures to ensure that recipients (as described in Section 4 above) of your Personal Data are bound to obligations of protection, security and confidentiality similar to the obligations hereunder this Privacy Policy, including but not limited to the use of contractual clauses in our contracts/terms and conditions with such recipients.
7. As a citizen of, or resident in, any members of the European Union, you can exercise your following data protection rights at any time by contacting us via the details provided in Clause 14.8:-
  - You have the right to request access to, correction of, updating or deleting of your Personal Data held with us.
  - You have the right to object to processing of your Personal Data based on our legitimate interests, and also the separate right to object to direct marketing activities and communications from us.
  - You have the right to request that in certain situations, to restrict processing of your Personal Data.
  - You have the right to request for your Personal Data in electronic format for portability.
  - You are entitled at any time to opt-out of e-marketing communications (if you had previously consented to them). Please opt out by clicking on the “opt-out” or “unsubscribe” hyperlink in the marketing e-mails that you may receive. To opt-out of other forms of marketing (such as letters via post, SMSes, Whatsapp messages, or telemarketing), please notify us using the contact details as set out in Clause 14.8.
  - You are entitled to withdraw your consent to our collection and processing of your Personal Data at any time. However, there may be consequences (such as your inability to receive Updates that you may have requested or paid for) arising from such withdrawal which we will inform you at the appropriate juncture. For the avoidance of doubt, your withdrawal of consent will not render our prior processing of your Personal Data unlawful, nor will your consent withdrawal impede the processing of your Personal Data performed based on lawful processing grounds other than consent.
  - You may at any time submit a complain to a data protection regulatory authority about our collection and use of your Personal Data. Please check with your local data protection regulatory authority for more details in submitting such complaints.
  - We will respond to all requests we receive pertaining to the exercise of an individual’s data protection rights in accordance with applicable data protection laws. In the event that you become aware of changes or inaccuracies in your Personal Data, please notify us promptly for the updating and correction of our records.
8. Should you have any queries, concerns or requests pertaining to the legal basis pursuant to which we collect, use and process your Personal Data, your Personal Data held with us, this Privacy Policy or any other matters related to your privacy associated with our Company and our services, please contact our Data Protection Officer at:-
  1010 Dover Road,
  #01-968V,
  Singapore 139658.
  Admin@ddkcapital.com.sg

This latest version of our Privacy Policy shall take effect as of 1 February 2025.