Effective Update Date: June 29, 2026 sgrateloan.com ("we") strictly protects the personal data of all visitors, fully complying with Singapore's Personal Data Protection Act (PDPA), China's Personal Information Protection Law, and international global data security standards. This privacy policy clearly defines our rules on collecting, using, storing, sharing, and protecting your personal data, as well as your legal rights. By accessing, browsing market data, or contacting our team via email, you confirm that you have fully read and unconditionally accept all terms below. 1. Types of Data We Collect 1.1 Voluntarily Provided Personal Information We only collect data that you proactively submit and that is not mandatory for disclosure: Consultation emails, article submissions, business negotiations: full name, email address, company entity, job title, contact phone number, financial industry sector Website contact forms: company operation details, collaboration needs Member account registration (if applicable): login email, account password, display nickname 1. Automatically Collected Anonymous Logs (Cookie / Server Logs) When you browse US stock quotes or research articles, our servers automatically record non-identifying device data: IP address, browser version, operating system, visited pages, session duration, click tracking, unique device ID. This data is used only to optimize quote loading speed, calculate website traffic metrics, and block crawler bots; it cannot be traced back to any individual user. 1. Sensitive Data We Do Not Actively Collect Unless legally necessary, we never request ID cards, passports, bank cards, trading accounts, asset proofs, biometric data, or full phone numbers. We will only receive such files if you voluntarily send company collaboration materials. 2. Lawful Purposes of Data Use To respond to your market inquiries, editorial submissions, and business collaboration emails To optimize US stock quote interfaces, industry report layouts, and weekly newsletter delivery To generate anonymized industry statistical reports (removing all personal identifiers, non-traceable) To detect crawlers, abnormal login traffic, and cyber attacks to maintain website stability To disclose data to judicial or regulatory authorities according to formal legal documents To send you subscribed US stock weekly newsletter (unsubscribe at any time) 3. Data Storage & Retention Period Storage location: Singapore compliant cloud server meeting PDPA cross-border data regulations Retention period: Email communication archives: stored for 3 years, then encrypted long-term storage Website access logs: retained for only 90 days, automatically deleted upon expiry Business collaboration forms: stored for 2 years after contract termination; early deletion can be requested Anonymization process: all statistical datasets remove all personal markers to prevent user identification. 4. Data Sharing Rules We make a binding commitment: without your written consent, we will not sell, rent, or share your personally identifiable information with third parties. Disclosure is only permitted in the following legal circumstances: You submit written authorization to disclose data Singapore, China, or local judicial/financial regulatory authorities issue a formal legal subpoena Website merger or equity transfer; the successor entity must comply with this privacy policy Providing de-identified logs to cybersecurity service providers for platform defense Protecting public or personal life and property safety in emergencies Third-party advertising and analytics plugins only receive anonymous traffic data, unable to access your name or email. 5. Your Legal Data Rights Submit requests via privacy@sgrateloan.com; we will verify identity and process applications within 15 business days: Right of access: request a complete copy of all personal data stored in your records Right of correction: correct outdated or inaccurate contact information Right of deletion: delete all emails and collaboration form archives related to you Right to withdraw consent: unsubscribe from market briefings, disable tracking cookies Right to account cancellation: permanently delete member account and related data Right to appeal: lodge a complaint about our data processing practices for compliance review 6. Cookies & Tracking Technology Description Our website uses cookies to accelerate US stock quote refresh rates and save your browsing preferences: Mandatory cookies: required for website normal operation and real-time price updates, cannot be disabled Statistical cookies: used for traffic measurement, can be fully removed via browser settings Disabling cookies only affects user experience, does not affect free reading of market research articles 7. Data Security Guarantees Full-site HTTPS end-to-end encryption to prevent data interception during transmission All user data encrypted at rest; backend tiered access permissions only for authorized employees Regular server security audits and vulnerability scans, formal data breach response protocol All employees sign confidentiality agreements, prohibiting unauthorized data export and distribution Internet has inherent security risks; 100% data protection cannot be guaranteed. Please avoid uploading highly confidential documents such as ID cards or trading accounts to this platform. 8. Minor Protection This website is intended for adult financial professionals and cross-border investors. We do not actively collect data from users under 18. If minor data is inadvertently captured, we will immediately delete all records. 9. Privacy Policy Updates We may revise this policy based on Singapore PDPA, China data laws, and platform business adjustments. Revised versions will be posted on the website footer and take effect immediately. Major term changes will be notified via email to previous correspondents. Continued use of the website indicates acceptance of the updated policy. 10. Privacy Support Contact Dedicated privacy compliance email: privacy@sgrateloan.com Singapore registered operating entity: Sgrate Media Pte. Ltd.