This Privacy Policy was last updated on 09 Aug 2022.
This Privacy Policy is to inform you that the Core Biz Holdings Pte. Ltd. and its group of entities have or will collect, record, hold, store, use, disclose and/or process (collectively “Process” or
“Processing“) your Personal Data (as defined below) in a manner consistent with its philosophy of respect for individuals, sounds business practices and in accordance with the applicable laws of Singapore.
By interacting with Core Biz Holdings Pte. Ltd. (including its related corporations and business units) (collectively, the “Companies“), as well as the Companies’ respective representatives and/or agents (collectively referred to herein as “us“, “we” or “our“), submitting information to us, using any of the websites of the Companies (collectively, “Website“), subscribing or registering for any event or account (“Account“) with us (“subscribers“), providing us with your personal data or signing up for any products and services offered by us (“Products” and “Services“), you agree and consent to our Processing of your Personal Data and the terms of our Privacy Policy.
For the avoidance of doubt, your consents given under this Privacy Policy supplement (but do not supersede or replace) any other consents that you may have previously provided or will provide to us, and are additional to any rights which we may have at law to collect, use or disclose your Personal Data.
If you have any questions relating to our Privacy Policy or your Personal Data, please contact us as follows:
Data Protection Officer
Core Biz Holdings Pte. Ltd.
Email: admin@bullbearvector.com or
Write in: 28 Tai Seng Street Sakae Building (Bitespace) #04-05, 2 Lift Lobby, 534106
We may update this Privacy Policy from time to time through our Website in accordance with future developments and/or changes in legal or regulatory requirements. By continuing to interact with us, you consent to be bound by the prevailing terms of our Privacy Policy as updated from time to time, subject to applicable law.
1. Collection of Personal Data
1.1. “Personal Data” refers to any data, whether true or not, about an individual who can be identified from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time which may include, but is not limited to:
(a) contact details: home address, correspondence address, billing address, home phone number and mobile number, e-mail address, work address, work number;
(b) compensation/payment details: bank account details, credit card details, banking information, credit records;
(c) verification details: information pertaining to the verification of identity, including identification type, NRIC No., and identification number (to the extent permitted by the law);
(d) optional details: includes, but is not limited to age, gender, salary range and employment details, education and profession, hobbies and leisure activities, other related products and services subscribed to, and family and household demographics;
(e) data relating to online session: browser type and version, operating system, domain name; and
(f) any such information as we deem necessary or appropriate from time to time in connection with your commercial relationship with us.
1.2. Scope: When you interact with us, either online or offline, such as by registering for an Account with us, registering with us generally, making bookings for seminars, or enquiring into or purchasing our Products or Services, we may collect a variety of Personal Data from you, including your name, mailing address, phone number, email address, contact preferences and credit card information. When you attend a seminar or event with us, photographs or videos may also be taken, and depending on the location of such seminar or event, closed circuit television cameras may also be in use for security and surveillance purposes. Other additional sources of personal data that may fall within this policy include:
(a) information provided or submitted by you through among others, the use of our Website, and attending our seminars ;
(b) information gathered through promotional activities;
(c) cookies that your web browser store on your computer when you visit a website;
(d) as applicable, publicly available or publicly accessible information; and
(e) such other written or verbal communications or documents delivered to us prior to and during the course of our contractual or pre-contractual dealings with you.
1.3. In certain situations, you may be providing us with Personal Data relating to other individuals, e.g. your employees, spouse, children, etc., such as when you register for a seminar on their behalf. Where you provide us with any Personal Data relating to a third party, you warrant and represent to us that you have obtained the consent of that third party to provide us with that party’s Personal Data in accordance with our Privacy Policy.
1.4. You should ensure that all Personal Data submitted to us is complete, accurate, true and correct to the best of your knowledge. If you are a person under the age of 18, please ensure that your Personal Data is submitted by a person who is lawfully able to do so on your behalf.
1.5. In relation to particular Products and Services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. Should you consent, we will collect, use and disclose your Personal Data for these additional purposes as well.
2. Purpose and Use of Personal Data
2.1. We may use your Personal Data to communicate with you such as by sending you messages, notices or information relating to your Account with us, any payment you have made for our seminars or other Products and Services, any confirmation of or changes to details of our seminars or events that you have signed up for, any changes to our Privacy Policy, or other matters directly related to the purposes for which you have provided us your Personal Data.
2.2. We may also use your personal data to keep you posted on our latest announcements, promotions, seminar updates and upcoming events by emails, telecommunications means (telephone calls, SMS messages or social chat applications) or internet social media. If you do not wish to receive such information, you can unsubscribe from our mailing list, change your preferences in your Account with us, or inform us in writing or via email. We will put this into effect within 10 business days.
2.3. Where photographs or videos of our seminar or events are taken, these may be used for updates on our Website, on our Facebook page or sent to our subscribers.
2.4. We will collect, use and store Personal Data fairly and lawfully and in accordance with this Privacy Policy. We will only collect Personal Data for legitimate and reasonable purposes, and use Personal Data for the purposes for which it was collected- which include but is not limited to Personal Data collected:
(a) for you to enter into the necessary agreement and/or contract to purchase the products and/or services from us;
(b) user or customer relationship management procedures;
(c) processing of orders and payment clearing;
(d) those purposes specifically provided for in any particular service or product offered by us;
(e) credit assessments and other background checks of customers as we may determine to be necessary or appropriate;
(f) customising advertising and content so as to streamline the online experience of customers and to provide personalised marketing and promotional information;
(g) customer care and/or defect rectification works;
(h) in order to respond to the inquiries of customers;
(i) membership registration and offering benefits and privileges;
(j) conducting marketing, promotional and client profiling activities in connection with our Services and related Products for us, our vendors and business partners and other selected companies;
(k) use for internal purposes such as auditing, data analysis, and research to improve
any Companies’ Products, Services and customers’ communications;
(l) prevention or detection of crime, for the purposes of investigations, apprehension or prosecution of offenders, or assessment or collection of any tax or duty or other similar impositions; and
(m) meeting any legal or regulatory requirements relating to our provision of services and products and to make disclosure under any statutory legislations, court order, by-laws and relevant regulations applicable to us.
3. Disclosure of Personal Data
We generally do not disclose, share your Personal Data with any third parties (except where permitted or required by law), but you hereby consent and authorize use to provide and/or disclose your Personal Data to the following categories of parties:
(a) any person to whom we are compelled or required to do so under law or in response to a legitimate instruction from a competent or government agency;
(b) pursuant to an order of a court of competent jurisdiction;
(c) any Companies, including those established in the future, whether within or outside of
Singapore;
(d) where applicable, third parties who provide related services or products in connection with our business, whether within or outside of Singapore;
(e) government agencies, statutory authorities and industry regulators;
(f) to organisations including their professional service providers and relevant regulatory authorities whether within or outside Singapore in connection with the acquisition, disposition and/or intended acquisition or disposition of any of the Companies’ assets and/or of any of the Companies itself whether directly or indirectly;
(g) our auditors, consultants, accountants, lawyers or other financial or professional advisers; and/or
(h) our sub-contractors or third party service or product providers as we may determine to be necessary or appropriate including without limitation, our mailing vendors, as well as vendors that carry out promotional operations on our behalf, whether within or outside of Singapore.
Please be rest assured that consistent with the law, we will only disclose the minimum amount of information which we deem necessary for the purpose and that we will take all appropriate safeguards to ensure the integrity and security of the personal data.
4. Cookies
A cookie is a small piece of data that a website can store on your computer. We may use cookies on our Website for the purposes of (i) enabling or facilitating certain features and functions of our Website in the provision of our online services to you, or (ii) tracking the use of links between our Website and the websites of our partners or affiliates. You may choose to configure your internet browser settings to manage or restrict the use of cookies, but this may result in delay or loss of functionality in the use of our Website.
5. Third Parties
We may also occasionally include or offer third party products, services or links on our Website. Each of these third parties/their sites has its own separate and independent privacy policy. We are not responsible for any such third parties, the content and activities of their sites, or any Personal Data that you may provide to them.
6. Protection of Personal Data
We take all reasonable precautions, including administrative, technical and physical measures, to safeguard your Personal Data against accidental loss, theft, misuse, unlawful processing and damage as well as against unauthorised or accidental access, disclosure, alteration and destruction.
7. Access to, correction of and retention of Personal Data
7.1 Subject to the exceptions referred to in section 21(2) of the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore (“PDPA”), you have the right to request a copy of the information that we hold about you.
7.2. Generally, you can keep your Personal Data accurate, complete and up to date by updating your details in your Account with us if you are a subscriber, or by contacting us as described at the beginning of this Privacy Policy.
7.3. We will retain your Personal Data only for the period necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
8. General
8.1. If you wish to access, verify, correct, withdraw your consent or communicate with us on any matter relating to your Personal Data, please contact us as described at the beginning of this Privacy Policy.
8.2. If you withdraw your consent to any or all use of your Personal Data, any existing contractual relationships that we have with you may be affected, including our not being able to continue providing our Products or Services to you or your being in breach of your contractual obligations to us. In any such event, our legal rights and remedies are expressly reserved.
8.3. We reserve the right to add to, revise or delete any part or all of this Privacy Policy as permitted under the applicable laws of Singapore.
Please read these Terms of Service carefully before using https://bullbearvector.com/ (“the Site”) operated by Core Biz Holdings Pte. Ltd. (“BBV”, “us”, “we” or “our”). These Terms of Service sets forth the legally binding terms and conditions for your use of the Site at http://investingnote.com. By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site or signing up as a member of the Site or a premium subscription service offered by the Site, you agree to be bound by these Terms of Service. Capitalised terms have the meaning given to them in these Terms of Service.
USER CONTENT
You are responsible for any content you post to the Site and for any consequences therof. The content you post will be able to be viewed by other users of the Site and through third party websites. You should only provide content that you are comfortable sharing with others. Your linking to any other websites is done at your own risk.
RIGHT TO MONITOR CONTENT
BBV reserves the right, in our sole discretion, to edit, refuse to publish or remove any content from the Site for any reason whatsoever, including but not limited to, that we believe part or all of the content: (i) is in need of editing for grammar, spelling or overall readability; (ii) is off topic; (iii) is inaccurate; (iv) is false, misleading or defamatory; (v) is offensive, abusive or uncivil in tone; (vi) is harmful, threatening or intimidating; (vii) contains profanity, hate messages or personal attacks against others; (viii) constitutes spam, phishing or any form of advertising or solicitation; (ix) is used in conjunction with any automated or other means to artificially drive user traffic to the Site; (x) disguises the origin of any user content transmitted to the Site; (xi) impersonates another person or misrepresents your affiliation with a person or entity; (xii) violates another person’s or entity’s intellectual property rights, publicity or privacy rights or other legal rights; (xiii) contains software viruses or any other malicious code, files or programs which may interrupt, destroy or limit the functionality of computer software or hardware or telecommunications equipment; or (xiv) is otherwise inappropriate or undesirable for the Site.
Without affecting the generality of the foregoing, you shall NOT collect any other users’ information or content, or otherwise access this Site using automated means (including but not limited to harvesting bots, robots, spiders or scrapers) without our prior express written permission.
CODE OF CONDUCT
Users are expected to observe BBV’s community guidelines at Discord channel. A failure to observe the community guidelines may result in termination and/or legal action against the relevant user.
DISCLAIMER
You understand that all postings, messages and other content posted on the Site whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such content.
BBV may not monitor or control the content posted on the Site and we cannot take responsibility for such content. Any use or reliance on any content or materials posted on the Site is at your own risk. All information provided are for informational purposes only, not intended for trading purposes or advice. Neither BBV, its affiliates nor any of the independent providers of content or third party suppliers to this Site (collectively, “Our Contributors”) is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein.
INFORMATION CONTAINED ON THIS SITE HAS BEEN PREPARED BY OUR CONTRIBUTORS AS A CONVENIENCE TO BBV’S USERS AND IS NOT INTENDED TO CONSTITUTE ADVICE OR RECOMMENDATIONS UPON WHICH A USER MAY RELY. NOTHING ON THIS SITE CONSTITUTES LEGAL, TAX, FINANCIAL OR OTHER PROFESSIONAL OR SPECIALIST ADVICE. BBV MAKES NO WARRANTY OR GUARANTEE ABOUT THE ACCURACY, COMPLETENESS, OR ADEQUACY OF THE INFORMATION CONTAINED IN OR LINKED TO THIS WEB SITE OR ANY OTHER WEB SITE MAINTAINED BY THE OWNER. USERS RELYING ON INFORMATION FROM THIS WEB SITE DO SO AT THEIR OWN RISK.
THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF THE TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE FINANCIAL PRODUCTS, EQUITIES OR FIXED-INCOME / DEBT INSTRUMENTS, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.
THIS SITE MAY PROVIDE YOU WITH PLANNING AND EDUCATIONAL TOOLS, INCLUDING EDUCATIONAL MATERIALS, COURSES AND ANALYSES. SUCH TOOLS, MATERIALS, COURSES AND ANALYSES MAY ALLOW YOU TO MODEL “WHAT-IF” SCENARIOS, THE RESULTS OF WHICH ARE ILLUSTRATIVE AND ARE BASED ON THE INFORMATION AND ASSUMPTIONS IDENTIFIED. THERE IS NO GUARANTEE THAT THE RESULTS SHOWN ARE NECESSARILY ACCURATE OR WILL BE ACHIEVED.
THIS SITE MAY FROM TIME TO TIME CONTAIN FORWARD-LOOKING STATEMENTS. ANY WRITTEN OR ORAL STATEMENTS MADE BY OR ON BEHALF OF BBV, ANY OF ITS SUBSIDIARIES OR ANY CONTRIBUTORS TO THE SITE REFLECT CURRENT VIEWS WITH RESPECT TO FUTURE EVENTS AND FINANCIAL PERFORMANCE. THESE FORWARD-LOOKING STATEMENTS ARE SUBJECT TO UNCERTAINTIES AND INHERENT RISKS THAT COULD CAUSE ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE CONTAINED IN ANY FORWARD-LOOKING STATEMENT.
YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, OUR CONTRIBUTORS (INCLUDING BBV) EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BBV MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.
LINKS TO OTHER SITES
Our Site may contain links to third-party sites that are not owned or controlled by BBV.
BBV has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.
INTELLECTUAL PROPERTY
BBV respects the intellectual property rights of others and expects users of the Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law and are properly provided to us. If you believe that your Content has been copied in a way that constitutes copyright infringement, please provide us with the following information:
a physical or electronic signature of the copyright owner or a person authorised to act on their behalf
identification of the copyrighted work claimed to have been infringed
identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material
your contact information, including your address, telephone number, and an email address
statement by you that you have a good faith belief that use of the material in the manner complained of is not authorised by the copyright owner, its agent, or the law
a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorised to act on behalf of the copyright owner.
We reserve the right to remove content alleged to be infringing without prior notice, at our sole discretion, and without liability to you. In appropriate circumstances, BBV will also terminate a user’s account if the user is determined to be a repeat infringer.
Except as otherwise expressly stated, all content and software appearing on this Site (and their respective compilation) are the copyrighted work of Our Contributors and are protected by local and international copyright laws. You may NOT download information from this Site save for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or content obtained from this Site (“Content”), in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorisation of Our Contributors. The use of Content, including images, by you, or anyone else authorised by you, is prohibited unless specifically permitted by Our Contributors. Any unauthorised use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither BBV nor any of Our Contributors warrant or represent that your use of Content or any other materials displayed on this Site will not infringe rights of third parties. For Content that is covered by intellectual property rights, like photos and videos (“IP Content”), you expressly grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any IP Content that you post on or in connection with the Site (“IP License”). This IP License ends when you delete your IP Content or your account unless such IP Content has been shared with others, and they have not deleted it (in which case, the IP License continues to remain effective).
TERMINATION
We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you.
All provisions of these Terms of Service that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
LIMITATIONS OF LIABILITY
SUBJECT TO APPLICABLE LAW, IN NO EVENT SHALL BBV NOR ANY OF OUR CONTRIBUTORS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA, USE, GOOD-WILL OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE SITE, OR ANY OF THE CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE, EVEN IF BBV HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE OR ITS HOSTED PRODUCTS AND SERVICES, CONTENT OR SOFTWARE.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS SUBJECT TO YOUR WAIVER OF ANY RIGHT TO SUE BBV OR ANY OF OUR CONTRIBUTORS DIRECTLY OR TO PARTICIPATE IN ANY CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THIS SITE. NOTHING IN THIS TERMS OF USE OPERATES TO LIMIT ANY LIABILITY OF BBV ARISING FROM (I) DEATH OR PERSONAL INJURY CAUSED BY OR ARISING FROM NEGLIGENCE AND (II) FRAUD.
DATA PROTECTION AND PRIVACY POLICY
Our data protection and privacy policy (“Privacy Policy”) describes BBV’s collection, use and protection of personal data and will help you understand how we secure and treat customer information that we obtain. We urge you to read our Privacy Policy found at link. Your submission of any personal data to BBV in connection with this Site constitutes your consent to the use, disclosure, collection and processing of personal data by BBV and/or its affiliates that are consistent with the Privacy Policy. Some information is collected automatically when you visit the Site because your IP address needs to be recognised by the server. We may use your IP address information to monitor and analyse how parts of the Site is being used.
ELECTRONIC COMMUNICATIONS
When you visit this Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
PASSWORD ACCOUNTS, PASSWORD AND SECURITY
If you have been given the option to open an account on this Site which will provide you with access to password-protected portions of the Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account information and for any and all activities that occur under your account.
In this regard, you agree to (a) immediately notify BBV of any unauthorised use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. BBV will NOT be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by BBV or another party due to someone else using your account or password. You may not use anyone else’s account on this Site at any time, without the permission of the account holder.
GENERAL PROVISIONS
Entire Agreement – These Terms of Use, the Privacy Policy, and other policies we may post on this Site constitute the entire agreement between BBV and you in connection with your use of this Site and its content, services and software and supersedes any prior agreements between BBV and you regarding use of this Site, including prior versions of these Terms of Use. These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will prevail.
Age and Location of User – All information and content available on this Site are solely directed to individuals 18 years of age or older.
GOVERNING LAW
These Terms of Service (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of Singapore, without giving effect to any principles of conflicts of law. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.
CHANGES AND UPDATES TO THESE TERMS OF SERVICE
We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.
Please review these Terms of Service periodically for changes. If you do not agree to any provision of these Terms of Service or any changes to these Terms of Service, do not use or access or continue to use or access the Site immediately.