How this site handles (or rather, doesn't handle) your data
Last updated: May 2026
This website is independently operated and is not affiliated with, endorsed by, or connected to the Central Provident Fund Board (CPF Board) or any Singapore government agency. All calculations are based on publicly available CPF rates and guidelines.
Calculator inputs (not collected): All calculations are performed entirely within your web browser using JavaScript. Salary, age, bonus, residency status, and CPF balance figures you enter are never sent to any server.
Email address (collected only with consent): If you click the "Email me my report" button and agree to receive communications, we collect your email address and the calculator inputs you entered (to personalise your report). This is entirely voluntary — the calculator works fully without providing your email.
We do not collect:
If you provide your email address, we use it to:
We will never sell your email address to third parties or use it for unrelated marketing.
Unsubscribing: Every email we send includes a one-click unsubscribe link (required by law). You can also contact us directly to be removed.
We use Brevo (formerly Sendinblue, operated by Sendinblue SAS, France) to store subscriber email addresses and send emails. Brevo is GDPR-compliant and handles data in accordance with EU data protection standards, which meet or exceed Singapore PDPA requirements.
Brevo's privacy policy is available at brevo.com/legal/privacypolicy.
By subscribing, you agree to your email being stored on Brevo's servers. You can request deletion of your data at any time via our Contact page.
First-party functional cookie: If you subscribe via the "Email me my report" form, we set a small cookie in your browser to record that you have already subscribed. This prevents the sign-up prompt from appearing again on your device. This cookie contains no personal data — it is a simple yes/no flag. It expires after 365 days.
Third-party cookies (Google AdSense): This site displays advertisements served by Google AdSense. Google and its advertising partners may use cookies and similar technologies to serve personalised ads based on your browsing history. These cookies are set by Google, not by this site.
You can opt out of personalised advertising at any time by visiting Google Ads Settings. You can also manage all cookie preferences through your browser settings.
Some pages on this site contain affiliate links to third-party financial products and services (such as investment platforms, insurance providers, or mortgage comparison tools). If you click an affiliate link and subsequently sign up or make a purchase, we may receive a commission from the third party at no additional cost to you.
Affiliate links do not influence the editorial content or recommendations on this site. We only link to products we consider relevant to CPF and retirement planning. All affiliate relationships are disclosed on the relevant pages.
This website does not use analytics services such as Google Analytics. We do not track your behaviour, session duration, or page views.
Google AdSense may independently collect aggregated usage signals for ad delivery and fraud prevention. This is governed by Google's Privacy Policy.
This website complies with Singapore's Personal Data Protection Act 2012 (PDPA). Under the PDPA, you have the right to:
To exercise any of these rights, contact us via the Contact page. We will respond within 30 days.
If you submit a message via the Contact page, the information you enter (name, email, topic, message) is used solely to reply to your enquiry. It is not stored in any database or shared with third parties.
This site contains links to external websites, including the official CPF Board website and affiliate partner sites. These third-party sites are governed by their own privacy policies. We have no control over and assume no responsibility for their content or privacy practices.
This website is served as static files. Standard server access logs may be maintained by the hosting infrastructure. These logs typically include IP address, browser type, and pages accessed, and are retained for a limited period for security purposes only. They are not used for marketing or profiling.
If this privacy policy changes materially, the "Last updated" date at the top of this page will be updated. Subscribers will be notified by email of significant changes.
For privacy-related questions, requests to access or delete your data, or to unsubscribe from emails, please use our Contact page.