Privacy Policy

1. Our Privacy Commitment

At POP BUD ("we", "our", or "us"), we operate as the AI workspace for Singapore financial consultants. We recognize that insurance policies, coverage gap analyses, and client portfolios contain highly confidential personal and financial information. Protecting this data is central to our platform.

This Privacy Policy explains how we collect, use, store, and protect your information when using the POP BUD application and web services, in compliance with Singapore's Personal Data Protection Act (PDPA).

2. Singpass Authentication & Identity Verification

To maintain system security and prevent unauthorized access, POP BUD supports identity verification through official Singpass integration:

• Verified Access: Authentication via Singpass confirms that only verified financial consultants can log in and manage client profiles.
• Enhanced Security: Using Singpass authentication protects accounts from unauthorized access and phishing attempts.
• Data Minimization: Singpass is used strictly for identity verification. We do not fetch or store unnecessary personal Singpass attributes beyond credentials required for account authentication.

3. Information We Collect & Usage

We collect only information essential to providing policy extraction, gap analysis, and portfolio management features:

• Policy Schedules & Uploads: PDF schedules, images, and benefit illustrations uploaded by consultants to extract policy numbers, rider details, sums assured, and coverage gaps.
• Consultant Account Data: Name, work email address, agency details, and subscription preferences required to maintain your advisor workspace.

4. Server Security & Encryption

All data stored on our servers or transmitted across our network is protected using industry-standard encryption protocols:

• Encryption at Rest: All uploaded files, portfolios, and database records are stored with AES-256 encryption.
• Encryption in Transit: Network communications between client apps and server endpoints are encrypted using TLS 1.3 SSL protocols.
• Secure Server Environment: Data is hosted in secured data center environments with restricted access controls and continuous monitoring.

5. Strict Zero Data Sharing Policy

We maintain a strict stance regarding client data privacy and commercialization:

POP BUD does not sell, rent, trade, or share client policy data or personal information with third-party advertisers, marketing agencies, or lead brokers. All client portfolios and policy records remain strictly confidential to your account.

6. Data Rights, Retention & Deletion

Under Singapore PDPA guidelines, financial consultants retain full control over their account data:

• Data Export: You may export portfolio summaries and coverage analyses as PDF or spreadsheet files at any time.
• Account & Data Deletion: You may request account deletion or document removal at any time. All associated files and server backups are permanently purged within 30 days of request.

7. Contact Our Data Protection Officer (DPO)

If you have questions or requests regarding your data privacy or POP BUD's compliance with Singapore PDPA regulations, please contact our Data Protection Officer at:

Email: hello@popbud.sg