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            <h2 style="font-size:1.8rem;margin-bottom:8px;text-align:center;">Privacy Policy</h2>
            <p style="text-align:center;color:#9ca3af;font-family:'Lato',sans-serif;font-size:0.875rem;margin-bottom:36px;">TZR Investment Holdings Pte. Ltd. · UEN: 201200947H</p>
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              <h3>1. Background</h3>
              <p>TZR Investment Holdings Pte. Ltd., together with its affiliates and associated entities (collectively, "TZR Investment", "we", "us" or "our"), may collect and process personal data about you. For the purposes of data protection law, we act as a controller of your personal data and are responsible for ensuring that it is handled in accordance with applicable data protection regulations.</p>
              <p>TZR Investment respects your privacy and is fully committed to protecting the personal data we collect and manage.</p>
              <p>This Privacy Policy explains: (i) what personal data we collect; (ii) how we use it; (iii) who we may share it with; and (iv) your rights regarding your personal data.</p>
              <p>This Privacy Policy applies to information collected through your use of our website, when you contact us, request information, or engage our services, as well as data we collect in the course of our business activities.</p>
              <p>"Personal data" refers to any information that identifies or relates to an individual, including but not limited to name, address, contact details, identification numbers, and financial information. "Processing" refers to any activity involving such data, including collecting, storing, using, disclosing, or deleting it.</p>

              <h3>2. Personal Data We Collect</h3>
              <p>TZR Investment Holdings Pte. Ltd. may collect and process the following categories of personal data:</p>
              <p><strong>a.</strong> Information you provide directly, such as your name, email, address, telephone number, and any other details submitted via our website forms or correspondence.</p>
              <p><strong>b.</strong> Information generated during our relationship with you, including records of communications, enquiries, and interactions with our representatives.</p>
              <p><strong>c.</strong> Information obtained from external sources, including publicly available data, regulatory bodies, and business partners, in compliance with applicable laws.</p>

              <h3>3. Purpose of Processing</h3>
              <p>We may process your personal data for purposes including but not limited to:</p>
              <p>Providing and managing our investment and financial services; maintaining partner accounts and relationships; conducting due diligence, compliance, and risk management activities; improving our website and partner experience; fulfilling legal and regulatory obligations; and protecting our rights, property, and security of our systems and users.</p>

              <h3>4. Disclosure of Personal Data</h3>
              <p>We may share your personal data with: our affiliates and business partners involved in providing services to you; professional advisors, auditors, IT providers, and other service providers who assist in our operations; regulatory or governmental authorities as required by law; third parties during business restructuring, merger, or acquisition processes, subject to confidentiality obligations.</p>
              <p>We do not sell or disclose personal data to unaffiliated third parties for marketing purposes.</p>

              <h3>5. International Data Transfers</h3>
              <p>Personal data may be transferred to countries outside Singapore when necessary for business operations. We ensure that appropriate safeguards are in place to protect your personal data in accordance with applicable laws when such transfers occur.</p>

              <h3>6. Data Retention</h3>
              <p>We retain personal data for as long as necessary to fulfil the purposes for which it was collected, including compliance with legal, regulatory, accounting, or reporting requirements. When personal data is no longer needed, we take reasonable steps to securely delete or anonymise it.</p>

              <h3>7. Your Rights</h3>
              <p>Subject to applicable data protection laws, you may have the right to: access personal data we hold about you; request correction of inaccurate personal data; request deletion of your personal data in certain circumstances; object to or restrict the processing of your personal data; and withdraw consent where processing is based on consent.</p>
              <p>To exercise these rights or if you have concerns about how we handle your personal data, please contact us using the details on our Contact page.</p>

              <h3>8. Security</h3>
              <p>We implement appropriate technical and organisational measures to protect personal data against unauthorised or unlawful processing, accidental loss, destruction, or damage. However, no method of transmission over the Internet or electronic storage is completely secure.</p>

              <h3>9. Updates to This Policy</h3>
              <p>We may update this Privacy Policy from time to time. The latest version will always be available on our website. We encourage you to review this policy periodically.</p>

              <h3>10. Contact Us</h3>
              <p>If you have any questions about this Privacy Policy or our data practices, please contact TZR Investment Holdings Pte. Ltd. through our <a href="contact.php" style="color:var(--gold-mid);">Contact page</a>.</p>
              <p>Registered Address: 14A Hougang Street 11, #01-75, The Minton, Singapore 534070 · UEN: 201200947H</p>

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