Privacy Policy for Lurayana

This Privacy Policy explains how Lurayana (Business ID S3783654A) collects, uses and stores personal data in connection with deal registration and transaction support services provided via oifayana.biz. The policy is written with a practical focus and includes examples and scenarios to illustrate typical processing workflows, such as registering a buyer, verifying seller documents, and coordinating escrow. We aim to be clear about data handling for consultant, agents and individual clients operating in Singapore.

24-04-2026 Lurayana (S3783654A) Singapore, 63 [email protected]

Definitions

This section defines terms used in the policy and illustrates each definition with a short transaction-related example. Definitions help agents and clients understand what specific data elements and actions mean in practice when registering deals or managing closings.

Personal data means any information that can identify an individual directly or indirectly. Example: buyer name, mobile number, NRIC/FIN (redacted copies), or an email used to receive a sale & purchase contract for a unit in a condominium.
Processing refers to any action performed on personal data, including collection, storage, review, sharing, or deletion. Example: uploading a scanned title deed to a transaction folder and sharing it with a conveyancing lawyer for review.
User means an individual or organization interacting with Lurayana services, such as consultant registering a deal, sellers submitting property details, or a legal agent reviewing documents.
Service refers to Lurayana’s deal registration and transaction support offerings on oifayana.biz, including registration workflows, document checklists, milestone tracking, and coordination with stakeholders.
Cookies are small data files stored on a user's device to enable website functionality and analytics. Examples include session cookies used during an online registration form and analytics cookies tracking error rates in document uploads.
Data Collection

We collect data directly from users, automatically through technical logs, and from third parties when needed. Below we list practical categories with examples drawn from real registration and closing scenarios.

Data You Provide

When you register a deal or interact with Lurayana, you supply details necessary to process the transaction and communicate with parties. These inputs are essential to complete routine steps such as identity checks and document sharing.

  • Contact and identity: full name, email, phone number, company name and role (e.g., listing agent or buyer).
  • Property details: address, title number, unit type, tenure and asking price as supplied during registration.
  • Transaction documents: scanned agreements, option forms, bank statements or proof of funds when required for compliance checks.
  • Verification data: redacted identity documents, business registration numbers, and notarized letters as examples in due diligence workflows.
  • Communications: messages, emails and notes between parties that relate to deal milestones and instructions.
  • Payment data: limited payment references used for invoicing and reconciliation; payment processors may hold full card data.

Automatically Collected Data

While you use our site and services, certain technical data is collected automatically to maintain service quality, contribute issues, and improve workflows. Examples include logs from document upload attempts and timestamps of milestone completions.

  • Connection data: IP address, approximate geolocation, and access timestamps used for security monitoring.
  • Device and browser information to optimize document viewers and upload tools used in transaction scenarios.
  • Usage logs and error reports that help diagnose failures in registration flows or file validation.
  • Cookies and similar identifiers to preserve session state during multi-step registration processes.
  • Analytics data on feature usage for scenario-based improvements, such as which checklist items cause delays most often.
  • Performance metrics that inform operational changes to support more efficient closings.

Data from Third Parties

We may receive data about you from partners and public sources to complete transaction checks or enrich transaction records. Examples include bank confirmations, property registry extracts and third-party AML screening results.

  • Real estate platforms and listing services providing property metadata used during registration.
  • Business institutions and payment processors that confirm settlement or escrow status.
  • Legal and compliance partners supplying verification results or official extracts.

How We Use Data

We use data to operate and improve the service, to process deal registrations, to support transaction milestones and to meet legal obligations. Below are concrete purposes tied to real-case activities handled by Lurayana.

  • To register deals, log timestamps, and manage priority claims between competing registrations.
  • To coordinate transaction steps: document checks, escrow setup, payment reconciliation and completion notices.
  • To perform required compliance checks and identity verification during typical Singapore transactions.
  • To communicate with parties and provide customer support for scenario-based questions and dispute resolution.
  • To improve services using anonymized analytics drawn from aggregated transaction workflows and case studies.
  • To prevent and detect fraud, misuse of the platform, and to contribute security incidents.
  • To meet legal and regulatory obligations where disclosure is required by law or court order.
  • For optional marketing communications about new templates, scenario guides and workshops; users can opt out at any time.

Legal Basis for Processing

We rely on appropriate legal bases for processing personal data depending on the purpose and context; examples below relate to typical transaction tasks.

  • Performance of a contract: processing necessary to fulfil deal registration and transaction support agreements.
  • Legal compliance: processing required to meet statutory obligations or regulatory checks in Singapore.
  • Consent: where explicit consent is obtained for optional communications or certain checks not essential to processing.
  • Legitimate interests: for security, fraud prevention and service improvements where interests are balanced against user rights.

International Data Protection Considerations

Although Lurayana operates in Singapore, we follow principles consistent with international standards to facilitate clear handling of personal data across borders. The following items summarize common rights and compatible practices with frameworks such as the GDPR for practical scenarios.

  • Right of access: you can request a copy of data we hold related to a specific deal registration.
  • Right to rectification: you can request corrections to inaccurate details in transaction records.
  • Right to erasure: you can request deletion subject to legal or compliance retention requirements linked to transactions.
  • Right to restrict processing: you can request restrictions in limited scenarios, for example during an active dispute.
  • Data portability: where feasible, we can provide structured transaction data to another provider on request.
  • Right to object: you may object to certain processing activities, such as direct marketing, in which case we will respect your preference.

Cookies and Tracking

We use cookies and similar technologies to enable site functionality, remember preferences, and collect analytics that help improve transaction flows and error handling.

Types include session cookies, persistent cookies, and third-party analytics cookies. For example, session cookies keep you logged in during a multi-step deal registration.

Categories: essential (required for operation), performance (usage metrics), functional (preferences), and marketing (optional outreach).

You can manage cookie preferences via your browser settings or by visiting the cookie preference center on oifayana.biz. Disabling some cookies may affect the registration workflow.

For details see oifayana.biz/cookie-policy

Data Sharing

We share data only when necessary to operate transactions or meet obligations. Each sharing instance is aligned with specific case scenarios such as escrow setup, legal review, or payment settlement.

  • Service providers (cloud storage, document processors) that support transaction workflows.
  • Real estate agents and consultant involved directly in a registered deal.
  • Business institutions and escrow agents for payment and settlement purposes.
  • Legal advisors and compliance partners performing required checks or preparing closing documents.
  • Regulators or law enforcement where disclosure is required by law.
  • Acquirers or parties in the event of corporate reorganization; affected users will be informed in advance when feasible.

International Transfers

Data may be transferred to third-party processors or partners located outside Singapore to support services such as cloud backups or legal consultations. Transfers are assessed and documented with appropriate safeguards tailored to the transaction scenario.

We use contractual safeguards such as data processing agreements and industry-standard technical controls (encryption) to protect personal data during international transfers. When necessary, transfers rely on recognized legal mechanisms and documented assessments.

Data Retention

Retention periods depend on purpose and regulatory requirements. Below are illustrative retention rules aligned to common transaction scenarios handled on Lurayana.

Account and registration data: retained for as long as the account is active and for up to 7 years after closure where required for audit or dispute resolution related to past transactions.

Communications and message logs: retained for a period that supports transaction reconciliation and dispute handling, typically between 2 to 7 years depending on context.

System logs and technical diagnostics: retained for operational troubleshooting and security for periods typically between 6 months and 2 years, depending on the nature of the logs.

When data is no longer required, we remove or anonymize it in a controlled manner, except where retention is necessary for legal compliance or to resolve outstanding transaction obligations.

Security Measures

Lurayana implements technical and organizational measures to protect personal data used in deal registration and transaction support. Measures are selected based on risk assessments and include safeguards appropriate to the sensitivity of transaction documents and identity information.

  • Encryption of data in transit and at rest for sensitive transaction files and identity documents.
  • Access controls, role-based permissions and multi-factor authentication for staff handling transactional records.
  • Regular security audits, logging and incident response plans informed by practical breach scenarios.

Your Rights

You can exercise rights such as access, correction, restriction or deletion in the context of transaction records. Requests should include sufficient detail to identify the specific registration or document. We respond to routine requests in a timely manner and use examples below to explain typical outcomes and timelines.

  • Access: You may request a copy of personal data Lurayana holds about you and an explanation of how it is processed.
  • Correction: You can ask to correct inaccurate or incomplete personal information using practical case examples to clarify the requested changes.
  • Deletion: In applicable scenarios you may request removal of personal data where retention is no longer necessary for the original purpose.
  • Restriction: You may request restriction of processing in specific transaction-related cases, for example during an active dispute over a deal registration.
  • Portability: Where technically feasible, Lurayana can provide your personal data in a structured, commonly used and machine-readable format for transfer to another service provider.
  • Objection: You may object to certain processing activities, such as direct marketing, and we will evaluate the request in the context of applicable laws and operational requirements.
  • Withdraw consent: If processing is based on consent, you may withdraw that consent at any time; withdrawal affects future processing and not actions already taken.
  • Supervisory authority complaint: If you consider your rights under applicable data protection laws not respected, you may bring a complaint to the relevant supervisory authority in Singapore.

How to exercise your privacy rights

To make a request concerning your personal data, provide a clear description of the right you wish to exercise and supporting details. Practical scenarios: (1) For access requests related to a registered deal include the deal ID and party names; (2) For correction requests include the current and corrected values with evidence. Submit requests via email to [email protected] or by post to Lurayana, Singapore, 63, Business ID S3783654A.

[email protected]

We aim to respond to rights requests within 30 calendar days of receipt. Complex requests or requests requiring verification may take longer; in such cases you will receive an explanation and updated timeline.

Marketing and communications

Lurayana may send marketing communications about services related to real estate deal registration and transaction support, including case studies, market updates, and event invitations. Communications are tailored to address practical scenarios such as onboarding agents, closing cross-border deals, or dispute resolution workflows.

To stop marketing messages, use the unsubscribe link in emails or email [email protected] with ‘Unsubscribe’ in the subject. You may also contact our office at +6585655353 for assistance with your subscription preferences.

Children’s privacy

Our services are intended for businesses and adults involved in real estate transactions. We do not knowingly collect personal data from individuals under the age of 18. If we become aware that we have collected data from a minor without appropriate parental consent, we will take steps to delete that data where permitted by law.

Links to third-party sites

Lurayana pages may contain links to third-party websites and services. We do not control those sites and are not responsible for their privacy practices. Review privacy policies of any third-party services before providing personal information; common scenarios include title search platforms, escrow providers, and local government portals.

Changes to this privacy notice

We may update this privacy notice to reflect operational or regulatory changes. When updates affect how we process data for registered deals or ongoing transactions, we will highlight the change and its practical impact on users. The current effective date is shown in the terms section.

Contact information for privacy matters

For privacy inquiries, rights requests, or complaints, contact Lurayana at: [email protected] or by post: Lurayana, Singapore, 63. Business ID: S3783654A. For urgent matters you may call +6585655353 and ask to be directed to the privacy team.