Privacy Policy

This Privacy Policy describes how Paciol Pte Ltd (“Paciol”), a company registered in the Republic of Singapore under unique entity number 202129189K, collects, uses, discloses and processes personal information.

By providing your personal information to Paciol and visiting the website, you are deemed to have read and agreed to the terms of this Privacy Policy.

For the purposes of this privacy policy, “Personal Data” has a definition assigned under the Data Protection Act 2012 (No. 26, 2012), amended or re-enacted, and is owned or held by Paciol. It shall refer to the data that exists. Users who are likely to have access can access it.

Types of Information We Collect

Paciol collects Personal Data so that we can provide you with a responsive and personalized experience.

 Examples of Personal Data we collect include, but are not limited to:

 (a) personal information about you, this may include your name, identification data, contact details and payment details.

 (b) information and data generated in the course of your ongoing relationship with Paciol; This includes instructions provided through various means of communication such as email, phone calls, text messages and website activities.

Purpose for which information is Collected, Used and Disclosed

Without prejudice to the foregoing, Paciol may collect, use or disclose Personal Data for any of its business purposes, which include, and is not limited to, the following purposes:

 (a) to process registrations for the Services, provide, facilitate and administer the Services as well as any other ancillary business function required to ensure that the Services are adequately performed;

 (b) to verify the identity of you;

 (c) to provide any business support function, including the provision of administrative support, technical assistance and customer care;

 (d) to maintain accurate client information and enable customised experiences that meet preferences and needs of Paciol`s clients;

 (e) to manage Paciol`s relationship with you, which may include providing information on Paciol`s products and services, where specifically consented to or where permitted under applicable laws and regulations;

 (f) sending you marketing information about our products and services and notifying you of our marketing events, initiatives and promotions;

 (g) for use in promotional and marketing materials distributed by Paciol whether online and/or offline, including but not limited to posts on social media, print or electronic copies of newsletters and brochures, promotional video and print advertisements;

 (h) to facilitate product development and service refinements via customer feedback, data analysis and market research;

 (i) to perform internal management, to operate management information systems, to carry internal and external audits;

 (j) to enforce or defend the rights of Paciol, its employees, officers, directors and shareholders;

 (k) in connection with any sale, merger, acquisition or similar change to Paciol`s business;

 (l) to detect, prevent and investigate fraud, crime or other illegal activities;

 (m) to comply with any applicable laws, regulations, codes of practice, guidelines, or rules to assist in law enforcement and investigations conducted by and government and/or regulatory authority; and

 (n) any other incidental business purposes related to or in connection with the above.

 You consent to receiving communication through any medium whatsoever from Paciol, which may include marketing materials such as newsletters, updates and promotions about our Services and may opt out of receiving such communication through the website.

Disclosure of Data

Paciol may from time to time also disclose Personal Data to Paciol`s shareholders, directors, officers and employees and the following parties (whether inside or outside of Singapore) for the purposes listed above:

 (a) any agent, contractor, adviser, business partner or third-party services provider which provides operation, administrative or other services to Paciol in connection with the Services;

 (b) any actual or proposed assignee of Paciol or transferee of Paciol`s rights in respect of all or any part of the assets or business of Paciol;

 (c) meeting or complying with Paciol`s internal policies and procedures and any applicable rules, laws, regulations, codes of practice or guidelines, orders or requests issued by any court, legal or regulatory bodies (both national and international) (including but not limited to disclosures to regulatory bodies, conducting audit checks or any investigations); and

 (d) any relevant regulators, statutory boards or authorities, or law enforcement agencies as required by any laws, rules, guidelines and regulations or schemes, (collectively, the “Third Parties”).

 Paciol shall not be liable for the manner or care in which the Third Parties maintain, protect or utilise your Personal Data.

Retention and Storage of Personal Data

Paciol may retain Personal Data long as one or more of the purposes for which it is collected is valid, as long as it is required by regulation or law (domestic or international), retention policy, or for its own business purposes. ..

 Paciol makes every reasonable effort to protect your personal data from misuse, abuse, interference, loss, and unauthorized access, tampering, or disclosure.

 Every effort has been made to ensure the security of this information, but we cannot guarantee complete security.

 In the event of a data breach (at Paciol’s discretion) that is (i) serious or likely, (ii) causes or may cause serious damage to you, we will do so. Notify you of any infringement. It is prohibited by law or permitted by law not to do so.

Right to Access and Portability

You have the right to request a copy of your personal data that we hold and to correct any inaccurate personal data.

 You can send a written request to your data protection officer by email (see ‘Contact Us’ for more information).

 Please note that by law, we may not be able to meet your requirements.

 We may also refuse your request if permitted by law. Paciol reserves the right to charge an administration fee to process any of the above requests.

 If a fee is charged, we will inform you of the amount in advance and will reply after confirming payment. Your control over your personal information extends to your right to make port requests to transfer your personal information to another location.

 Please note that the law may not allow us to comply with such requests or transfer certain types of personal data.


You can withdraw your consent at any time by contacting us in writing by email.

 Please note that in many cases you will need to use your personal information to provide the products and services you need or request.

 If you do not provide us with the required personal information, or if you do not agree to this policy (or any changes thereof), or if you withdraw your consent to the use and / or disclosure of your personal information for these purposes, you may not be able to do so. If you withdraw Paciol’s consent to collect, process, use, and / or disclose the personal data provided to Paciol and will continue to provide the products and services  you need or request. Therefore, you need to be notified immediately.

 Withdrawal of such consent may affect the services that Paciol can provide. You must always ensure that all information provided to Pasiol (including personal data) is true, accurate and complete, and is given with respect to your personal data in accordance with all applicable laws and regulations. Consent agrees to be subject to death or survival. Incompetence, bankruptcy or bankruptcy of the individual involved, and termination or expiration of service.

Acknowledgments and Disclaimers

You acknowledge that your personal data is transmitted to us at your own risk.

 If you discover, or have reason to believe, that your personal data is being used improperly, please contact us immediately. Paciol’s website may contain links to his websites of affiliated companies or business his partners that Paciol does not control.

 Other of his websites may also contain links to Paciol’s website.

 Paciol does not control such external websites and you acknowledge and agree that Paciol is not responsible for the privacy policies or content of such external websites. To the maximum extent permitted by law, in no event shall we be liable for any special, exemplary, punitive, indirect, incidental or consequential damages or loss of reputation or bonus liability of any kind (including negligence), equity, strict liability, statute or otherwise resulting from the unauthorized or unintended use, access or disclosure of your personal information.


Updates for Privacy Policy

Paciol reserves the right to change and update the terms of this Privacy Policy at any time by posting the updated text on this page.

 Any such modification or update will be made available on the Paciol’s website and will be effective immediately upon such posting.

 We do not undertake any obligation to separately notify you of such revisions.

 Your continued use of Paciol’s services and/or continued access to Paciol’s website constitutes your unconditional acceptance and agreement to be bound by the revised Privacy Policy.  All communications, transactions and dealings with

 Paciol will be governed by the most recent version of this Policy in effect from time to time.

International Transfers

Paciol has branches in several countries. You agree that your personal data will be processed on a server located in a country other than your country of residence, if necessary.

 These countries may have data protection laws that differ from the laws of their country of residence.

 However, we have taken all appropriate steps to protect your personal data in accordance with this privacy policy regarding the transfer of personal data between Paciol and its affiliates or business her partners.

Governing Law

This Privacy Policy is governed by the laws of Singapore. You agree to submit to the exclusive jurisdiction of the Courts of Singapore for any disputes relating to this Privacy Policy.

Use of Cookies

Paciol’s website may use cookies to personalize your online experience.

 Cookies cannot be used to run programs or deliver viruses to your computer. The cookie is uniquely assigned to you and can only be read by her web server within the domain that issued the cookie.

 Paciol uses cookies to collect IP addresses and browsing information.

 Cookies are placed on your computer or device only if you agree. To record and analyse how visitors use the PACIOL website and improve their experience, Paciol uses Google Analytics to collect visit details.

 Google Analytics places and uses cookies that allow Paciol to track website traffic and how users interact with your website.  You can probably choose to accept or reject cookies through your web browser.

 Most web browsers automatically accept cookies, but you can usually change your browser settings to refuse cookies if necessary.

 If you choose to refuse cookies, you may not be able to fully experience the interactive features of the Paciol website or service.

Contact Us

If you have any comments, questions or complaints about our privacy policy, please contact at