Privacy notice
What this site keeps about you, where it is kept, and how to have it changed or deleted. Under Singapore's Personal Data Protection Act 2012. Dated 25 October 2026.
What you type into What If and Your Financial Risk Cover stays in your own browser, on your own device. It is not sent to this website or to anyone else.
Your details reach me only when you choose to send them: a WhatsApp message, an email, or a Financial Risk Cover share file you send yourself.
You can erase what is on your device at any time, and ask me to delete anything you have sent me.
Thomas Chai Kian Teck, CFP®, a licensed representative (MAS Rep. No. CKT300001354). For anything about your personal data, contact me on WhatsApp at +65 9624 8766. I act as the contact for data protection questions about this site.
If you become a client, the licensed financial advisory firm I represent also processes your data under its own privacy policy, which you receive before any advice is given.
Your policies, notes, questions, the figures in About you, and any documents you add. All of it is stored in this browser (IndexedDB) on the device you use, and nowhere else.
If you set a passcode, everything is encrypted on your device with a key made from it (AES-256-GCM, key from PBKDF2-SHA256). The passcode is never stored, so it cannot be recovered.
Close your workspace under My data and everything on the device is erased at once. Clearing this site's data in your browser erases it too.
Your answers are kept in this browser so they are still there when you return. They are not sent anywhere. Clearing this site's data in your browser removes them.
Export: a file of your Financial Risk Cover workspace, saved to your device. It is not encrypted; keep it private.
Share with adviser: a file you make, choosing the policies and details to include, and send to me yourself. I use it only to review your cover with you, keep it securely, and do not pass it to anyone else without your consent, except where the law requires.
WhatsApp: messages you send me are handled by WhatsApp under its own terms, and kept by me as part of our correspondence.
Ask me to delete a share file or messages at any time and I will confirm in writing once done, unless I am required to keep a record (for example, once you are a client, the firm's record-keeping duties under financial advisory rules apply).
You can ask what personal data I hold about you, ask me to correct it, and withdraw your consent. Withdrawing consent may mean I can no longer review your cover.
The site is hosted by a cloud provider whose servers keep standard technical logs (such as IP address, browser and pages requested) to run and secure the service. This site sets no advertising cookies and runs no tracking scripts.
This notice is dated 25 October 2026. If it changes, the date changes, and Your Financial Risk Cover will ask for your consent again.