Takara Solutions Pte. Ltd. ("Takara", "we", "us" or "our") is a Singapore-based company that builds payment infrastructure and enterprise software for banks, financial institutions, payment companies and government platforms. Our registered office is in Singapore.

For privacy enquiries, please contact us using the details on our Contact page, or write to the privacy contact address provided in your service agreement.

This policy applies to personal information we collect through our website, marketing activities, customer support and platform services. It does not cover information processed by our clients on their own behalf or on behalf of their end-users; those relationships are governed by the agreements between Takara and the client.

We may collect the following categories of personal information, depending on how you interact with us:

• Contact details: name, work email address, phone number, job title and organisation name.
• Account information: credentials and profile information used to access Takara systems or portals.
• Usage information: how you interact with our website, support portals and product documentation, including IP address, browser type, device information and logs.
• Communication records: correspondence, meeting notes and support tickets.
• Transaction and integration data: where necessary to operate our platform services, we may process limited technical and operational data in accordance with our client agreements.

We use personal information for the following purposes:

• To provide, operate and maintain our platform services and website.
• To respond to enquiries, provide support and manage client relationships.
• To send service-related communications, updates and marketing materials where permitted.
• To improve our products, security posture and user experience through analytics and feedback.
• To meet legal, regulatory and contractual obligations, and to protect our rights and interests.

We process personal information on the basis of our legitimate interests, to perform contracts, to comply with legal obligations, and where consent has been obtained. The specific basis depends on the context of the interaction and applicable law. We will identify the relevant basis in writing when required by your agreement or by applicable data protection law.

We do not sell personal information. We may share it with trusted service providers who help us operate our business and deliver services (for example, cloud hosting, analytics, customer relationship management and email delivery). These providers are contractually bound to use the information only for the agreed purposes and to maintain appropriate security measures.

A list of subprocessors relevant to our services is available to clients on request. We assess and govern subprocessors as part of our vendor management programme.

Takara operates from Singapore and may use service providers or infrastructure in other countries. Where personal information is transferred across borders, we implement appropriate safeguards in accordance with applicable law and the terms of our client agreements. Specific transfer mechanisms are confirmed in writing per engagement.

We retain personal information for as long as necessary to fulfil the purposes for which it was collected, to comply with legal and regulatory obligations, to resolve disputes, and to enforce our agreements. Retention periods vary by data category and are documented in our internal data retention schedule.

Depending on where you are located, you may have rights to access, correct, delete, restrict or object to the processing of your personal information, or to request a copy in a portable format. You may also have the right to withdraw consent where processing is based on consent.

To exercise your rights, contact us using the details on our Contact page. We will respond in accordance with applicable law and verify your identity before acting on a request.

We implement technical and organisational measures designed to protect personal information from unauthorised access, disclosure, alteration or destruction. Details of our security approach are available on the Trust Centre.

Our website may use cookies and similar technologies to support functionality, analyse usage and improve your experience. You can manage cookie preferences through your browser settings. Where required by law, we will obtain consent before placing non-essential cookies.

We may update this policy from time to time to reflect changes in our practices, legal requirements or the services we offer. The updated version will be published on this page with a revised effective date. We encourage you to review this page periodically.

If you have questions about this privacy policy or how we handle personal information, please contact us through our Contact page or the privacy contact address in your service agreement.