Your data, handled with care.

This Privacy Policy explains how Hing & Co ("we", "us", "our") collects, uses, discloses, and protects your personal data in accordance with the Singapore Personal Data Protection Act 2012 ("PDPA"). It applies to hingfluence.com and everything we operate on it, including Hing Privileges, the Insurance Portfolio Score, the Singapore PR Score, the Retirement Readiness Score and the Life Simulator, as well as personal data we receive through our advertising on Meta platforms (Facebook and Instagram).

1. Personal data we collect

Contact details: your name, email address, country code, and mobile number when you submit a form, book a platform support session, or create an account
Assessment answers: information you provide in our questionnaires, such as age, family situation, employment, income range, existing insurance coverage, and immigration pass details
Documents: insurance policies you choose to upload, plus the fields we extract from them
Account data: your email and display name if you sign in with email or Google, and your mobile number if you verify it with an SMS code
Life Simulator results: your answers, the results we calculate for you, your credit balance, and a record of the consent choices you made when you signed up
Hing Privileges membership: your name, mobile number, email and the profile details you add, the perks you save, claim and redeem, and, for each claim, whether you chose to share your details with that merchant
Waitlist and merchant applications: the name, email, mobile number and business details you give us in these forms, together with a record of your consent
Booking details: appointment date, time, location preference, and any notes you add
Payment records: confirmation of payment processed by Stripe; we never see or store your full card number
Technical data: device, browser, and usage analytics collected through Google Analytics (Firebase)

2. How we collect it

Directly from you, when you fill in a form, complete an assessment, upload a document, book an appointment, or contact us
Through Meta Lead Ads: if you submit an instant form on Facebook or Instagram in response to our advertisement, Meta transmits the details you entered (such as name, email, and phone number) to us
Through Google, if you choose to sign in with your Google account
Automatically, through cookies and similar technologies described in our Cookie Policy

Where we receive your personal data from Meta, we handle it under this Privacy Policy from the moment we receive it. Meta's own handling of your data is governed by Meta's privacy policy.

3. Purposes of collection, use, and disclosure

To generate and show you your assessment results and reports
To respond to your enquiries and provide the services you request
To contact you by phone, WhatsApp, or email about the specific assessment or optional platform support you requested, where you have consented
To save your Life Simulator results so you can open them again, and to manage your free credits
Where you have ticked the optional contact box in the Life Simulator, for Kenneth Hing of Hing & Co to contact you by WhatsApp, phone call, SMS or email about your Life Simulator results, including to arrange a free 15-minute chat. This consent also covers numbers registered on the Singapore Do Not Call Registry, and you can withdraw it at any time
To run Hing Privileges: verify your membership, issue vouchers to your wallet, and let partner merchants validate a voucher when you redeem it
To tell you when new Hing Privileges perks go live, where you joined the waitlist
To review applications from businesses that want to list a perk, and to contact the applicant about the listing
To schedule, confirm, and manage platform support sessions and appointments, including the optional free 15-minute chat with Kenneth Hing
To process payments and issue receipts and refunds
To maintain, secure, and improve our website and tools
To measure the performance of our marketing campaigns in aggregate
To comply with applicable laws, regulations, and lawful requests

4. Consent and how to withdraw it

We collect your consent before or at the point of collecting your personal data, for example through the consent checkbox on our forms or the declarations in a Meta Lead Ads form. You may withdraw your consent at any time by emailing support@hingfluence.com. We will process your withdrawal within a reasonable time, inform you of the likely consequences, and stop the relevant use or disclosure of your data. Withdrawing consent may mean we can no longer provide certain services to you.

5. What we do not do

We do not sell or rent your personal data to anyone
We do not disclose your details to insurers, brokers, or other third parties for their own marketing without your consent
We do not share your name or contact details with a Hing Privileges merchant unless you tick the optional sharing box when you claim that merchant's perk
We do not use your uploaded policy contents to build advertising profiles about you
We do not store your session in localStorage or sessionStorage; account sessions use Firebase Auth managed storage only

6. Disclosure to service providers

We share personal data only with service providers who process it on our behalf and under obligations of confidentiality and protection:

Google Firebase (Firestore, Authentication, Storage, Analytics) for hosting, data storage, sign-in, and analytics
Stripe for payment processing
Meta Platforms, to the extent needed to run and measure advertising campaigns
Legal counsel or authorities where required by law or to protect our legal rights

7. Sharing with Hing Privileges merchants

Your Hing Privileges consent covers running your membership and voucher wallet. It does not allow us to give your personal data to the merchants who offer perks. Merchant sharing is a separate, optional choice that you make each time you claim a perk.

When you claim a voucher, you will see an optional box that reads "Share my name and contact with [merchant] for this perk". It is unticked by default, and you can claim the perk whether or not you tick it
If you leave it unticked, the merchant only sees the perk, the voucher code, when it was claimed and redeemed, and an internal member ID that does not reveal who you are. You appear to them as "Member"
If you tick it, that merchant may receive your name, email and mobile number when your voucher is redeemed, for that claim only. Nothing beyond your name and contact details is shared. We keep a record of your choice with the claim
Your choice for one claim does not carry over to other claims or other merchants
Some perks are claimed by sending the merchant a WhatsApp message. In that case you contact the merchant yourself, so they will see your WhatsApp name and number
Once shared, the merchant handles your details under its own privacy practices. To ask about details already shared, or to withdraw your consent, email support@hingfluence.com

8. Overseas transfers

Your data is primarily stored in Google Firebase infrastructure in the Asia-Southeast region. Some of our service providers, such as Stripe and Meta, may process data outside Singapore. Where personal data is transferred overseas, we take steps required under the PDPA to ensure it receives a standard of protection comparable to that under Singapore law.

9. Protection and retention

Data in transit and at rest is encrypted. Access is restricted to personnel and automated systems that need it to provide the services. We retain personal data only for as long as it is needed for the purposes above or as required by law. If you hold an account, you can delete it from the Account page, which erases your stored data. Lead and consent records are retained for a reasonable period for audit and legal compliance, after which they are deleted or anonymised.

10. Your rights: access and correction

Under the PDPA, you may request access to the personal data we hold about you, ask how it has been used or disclosed in the past year, and request corrections. Write to support@hingfluence.com and we will respond as soon as reasonably possible. We may charge a reasonable fee for access requests where permitted by the PDPA.

11. Do Not Call (DNC) registry

We only send you telemarketing messages or make calls to your Singapore telephone number where you have given us clear and unambiguous consent, for example by ticking the consent box on our forms or submitting a Meta Lead Ads form that states we will contact you. You may opt out of such messages at any time by replying to the message or emailing us.

12. Cookies and analytics

We use cookies and similar technologies for sign-in, security, analytics, and advertising measurement. See our Cookie Policy for details and how to manage them.

13. Children

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal data from children. If you believe a child has provided us personal data, contact us and we will delete it.

14. Data Protection Officer

Our Data Protection Officer can be reached at support@hingfluence.com for any question, complaint, access request, correction request, or consent withdrawal. If you are not satisfied with our response, you may lodge a complaint with the Personal Data Protection Commission (PDPC) of Singapore.

15. Updates to this policy

We may update this Privacy Policy from time to time. The latest version will always be posted on this page with the date below. Material changes will be highlighted on the website, and account holders will be notified by email where appropriate.

Last updated: 21 October 2026.