Privacy Policy of Elderhaven Solutions

At Elderhaven Solutions, we are committed to protecting the privacy and security of the personal information you share with us. This Privacy Policy describes how we collect, use, and disclose information when you visit our online platform, engage with our services, or otherwise interact with us. Our services include comprehensive financial planning for retirement, estate management, pension advice, care home selection and funding, wealth preservation for seniors, and specialized legal support for elder care, primarily for pensioners solutions in Singapore.

1. Information We Collect

We collect various types of information in connection with the services we provide:

• Personal Information You Provide Directly: This includes information you provide when you inquire about or use our services, such as your name, address, email address, phone number, date of birth, financial details (e.g., income, assets, liabilities, pension information), family details, health information relevant to care planning, and other information necessary for providing financial planning, estate management, care home selection, and legal support services.
• Information from Third Parties: We may receive information about you from third parties, such as financial institutions, legal advisors, medical professionals, or family members, where necessary for the provision of our services and with your consent or where legally permitted.
• Automated Data Collection: When you visit our online platform, we may automatically collect certain information about your device and usage, such as your IP address, browser type, operating system, referring URLs, pages viewed, and access times. This information helps us analyze trends, administer the platform, and track user movements.

2. How We Use Your Information

We use the information we collect for various purposes, primarily to provide and improve our specialized elder care and financial planning services:

• Service Provision: To deliver comprehensive financial planning, estate management, pension advice, care home selection and funding, wealth preservation, and legal support as requested by you.
• Communication: To communicate with you regarding your services, appointments, updates, and to respond to your inquiries.
• Legal and Regulatory Compliance: To comply with legal obligations, regulatory requirements, and industry standards applicable to financial services and elder care, including anti-money laundering and know-your-client regulations.
• Improvement of Services: To understand how our services are used, conduct research and analysis, and develop new features or improve existing ones.
• Security: To protect our online platform, services, and users from fraud, security threats, and other harmful activities.

3. Legal Basis for Processing (GDPR Compliance)

For individuals in the European Economic Area (EEA) and the UK, we process your personal data based on the following legal grounds:

• Performance of a Contract: When processing is necessary for the performance of a contract to which you are a party, or to take steps at your request before entering into such a contract (e.g., providing financial advice or care home selection services).
• Legal Obligation: When processing is necessary for compliance with a legal obligation to which Elderhaven Solutions is subject.
• Legitimate Interests: When processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your interests or fundamental rights and freedoms. This includes purposes like improving our services or preventing fraud.
• Consent: Where you have given explicit consent for specific processing activities, especially for sensitive personal data or marketing communications. You have the right to withdraw your consent at any time.

4. Disclosure of Your Information

We may share your personal information with third parties only when necessary and with appropriate safeguards:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our business and providing our services (e.g., IT support, cloud hosting, legal advisors, financial institutions, actuarial services, care home partners). These providers are contractually bound to protect your information and use it only for the purposes for which it was disclosed.
• Legal and Regulatory Authorities: We may disclose information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction.
• With Your Consent: We may share your information with other parties when we have your explicit consent to do so.

5. Data Security

We implement robust technical and organizational measures to protect your personal information from unauthorized access, use, alteration, or destruction. These measures include encryption, access controls, secure networks, and regular security assessments. Despite our best efforts, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The retention period for your data is determined by the nature of the information, the purpose for which it was collected, and legal or regulatory obligations.

7. Your Data Protection Rights

Depending on your location, and in particular if you are in the UK or EEA, you may have the following rights regarding your personal data:

• The Right to Access: You have the right to request copies of your personal data.
• The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The Right to Erasure (Right to be Forgotten): You have the right to request that we erase your personal data under certain conditions.
• The Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain conditions.
• The Right to Object to Processing: You have the right to object to our processing of your personal data under certain conditions.
• The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us using the contact details provided below. We will respond to your request within one month.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any significant changes by posting the new Privacy Policy on our online platform. We encourage you to review this Privacy Policy periodically.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Elderhaven Solutions
1290 High Street, Suite 3
Oxford, Oxfordshire, OX1 4DG
United Kingdom