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ANNEXURE 8
CONSENT TO OUR PROCESSING OF YOUR PERSONAL DATA
At Taurus Wealth Advisors, we are committed to safeguarding your privacy. We will collect, use, store and disclose your personal data in accordance with the Personal Data Protection Act (“PDPA”) as explained in this document (the “Annex”).
YOU AGREE AND CONSENT to Taurus Wealth Advisors Pte Ltd (“TWA Singapore”) as well as our respective agents, authorised service providers and relevant third parties collecting, using, storing, disclosing and/or sharing your personal data in the manner set forth in this Annex. This Annex forms part of the Agreement and shall by read in conjunction with the Agreement.
YOU HEREBY REPRESENT AND WARRANT that all Personal Data you have submitted or will submit to us is complete, accurate, true and correct and you are responsible for keeping your personal data up to date. You acknowledge that failure on your part to do so may result in our inability to provide you with the products and services you have requested. To update your personal data, please reach out to your Financial Adviser at TWA Singapore.
Where you provide to us personal data concerning individuals other than yourself, YOU HEREBY REPRESENT AND WARRANT that you have obtained all legally required consents, whether explicit or deemed, from the concerned individuals and you shall retain proof of such consent(s), such proof to be provided to us upon our request.
This Annex supplements (but does not supersede or replace) any other consents which you may have previously provided to us and it does not affect our legal rights concerning the collection, use and/or disclosure of your personal data. Any material changes to our personal data protection practices shall be notified to you.
What is Personal Data?
Personal data refers to any data or information about you from which you can be identified either (a) from that data or (b) from that data and other information to which we have or are likely to have access. This includes personal details like your name, passport or other identification numbers, contact numbers, address, email, date of birth, occupation, education, income levels, bank account information and assets, transaction-related information like your investment instructions, photos and videos of you from our events or office surveillances, and information about your use of our services and website, including cookies and IP address.
We Keep Your Personal Data Confidential and Secure
Your privacy is of utmost importance to us. At each stage of data collection, use and disclosure, we implement physical, electronic, administrative and procedural safeguards to
protect your personal data against loss, misuse, damage and unauthorized access, modifications or disclosures. We regularly review and enhance our security policies and measures to consistently maintain a high level of security.
Purposes for Collection, Use and Disclosure of Your Personal Data
We collect, use and/or disclose your personal data to provide enhanced asset management services and/or family office services to you, including (a) analysing your financial situation and determining financial strategies and products suitable for you; (b) assessing and processing your applications and instructions for financial products and services offered by us and/or other financial institutions or product providers; (c) analysing and managing financial and commercial risks including preventing, detecting and investigating crime; (d) updating you on your financial situation, our performance of our services to you, developments in our services and special happenings; (e) responding to your queries and instructions and handling complaints; (f) internal reporting and analysis related to our business operations; (g) maintaining records of your instructions and our interactions with you; and (h) any other purposes related to the above purposes. If we wish to collect, use, retain and/or disclose your personal data for any other purposes, we will seek your consent.
How We May Collect Your Personal Data
We may collect your personal data ourselves or through third parties (a) during our preliminary discussions with you and when establishing our relationship with you; (b) when you interact with our employees, in particular with your Financial Adviser; (c) when you communicate with us by email or telephone, your emails will be retained and we may monitor and/or record your voice calls to us; (d) when you attend our events or enter our premises, we may take pictures or videos or you may be captured on our closed circuit television cameras surveillance; (e) when you access our website; (f) when you respond to our requests for additional personal data; and (g) when you submit your personal data to us for any other reason.
When you access our website you generally do so anonymously. Your activity may however be monitored by cookies (small data files sent to your browser to track information about your usage of our website) or other navigational data. Should you wish to disable such cookies, you may do so by changing your browser settings. However, you may not be able to enter certain part(s) of our website.
Who We May Disclose Your Personal Data to
Generally, we shall protect and keep confidential your personal data. We will disclose your personal data only with your consent and for purposes that you have been informed about.
In performing our services we may disclose your personal data for the purposes set out above to parties such as (a) our group companies; (b) banks, financial institutions, credit card companies and their respective service providers; (c) companies providing services relating to insurance and/or reinsurance, and associations of insurance companies; (d) our agents, contractors or operational third party service providers; (e) our professional advisers such as our auditors and lawyers; and (f) regulators and authorities.
When we disclose your personal data to third parties, we will ensure that they are contractually bound to protect your personal data in accordance with applicable laws and regulations, save in cases where your personal data is shared with governmental agencies and regulators, or where your personal data is publicly available or where use/disclosure of your personal data is otherwise legally mandated and exempted.
If your personal data is transferred overseas, we will inform you of the extent to which your personal data will be protected in the foreign jurisdiction(s) to which it will be transferred and seek your consent.
How Long We Keep Your Personal Data For
We shall store your personal data for as long as necessary to fulfil the purposes for which such data was collected, our business purposes, our internal and legal needs or as is otherwise legally required. In general, your transactional personal data is kept for 5 years following transactions and your other personal data 5 years after the closing of the business relationship.
Queries, Access/Correction Requests and Withdrawal of Consent
If you have any queries, or you wish to access and/or correct your personal data, or you wish to withdraw your consent to our collection, use or disclosure of your personal data, please contact your Financial Adviser or submit a written request (with supporting documents, if any) to our Compliance Officer at info@tauruswealth.com.sg
Our Compliance Officer shall strive to respond to you within 30 days of your submission.
Please note that if you withdraw your consent to any or all use or disclosure of your personal data, depending on the nature of your request, we may not be in a position to continue to provide our services or products to you or administer any contractual relationship in place. Such withdrawal may result in the termination of any agreement you may have with us. All our rights are reserved in such event.
If You Have a Complaint
If you should be dissatisfied with our handling of your personal data, please submit a written complaint to our Compliance Officer.
ANNEXURE 5
CONSENT TO OUR PROCESSING OF YOUR PERSONAL DATA
At Taurus Wealth Advisors, we are committed to safeguarding your privacy. We will collect, use, store and disclose your personal data in accordance with the Data Protection Law (DIFC Law NO.1 of 2007 as amended from time to time) and the Data Protection Regulations (as amended from time to time (“DPL” and “DPR“) as explained in this document (the “Annex”).
YOU AGREE AND CONSENT to Taurus Wealth Advisors Limited (“TWA Dubai”) as well as our respective agents, authorised service providers and relevant third parties collecting, using, storing, disclosing and/or sharing your personal data in the manner set forth in this Annex. This Annex forms part of the Agreement and shall by read in conjunction with the Agreement.
YOU HEREBY REPRESENT AND WARRANT that all Personal Data you have submitted or will submit to us is complete, accurate, true and correct and you are responsible for keeping your personal data up to date. You acknowledge that failure on your part to do so may result in our inability to provide you with the products and services you have requested. To update your personal data, please reach out to your Financial Adviser at TWA Dubai.
Where you provide to us personal data concerning individuals other than yourself, YOU HEREBY REPRESENT AND WARRANT that you have obtained all legally required consents, whether explicit or deemed, from the concerned individuals and you shall retain proof of such consent(s), such proof to be provided to us upon our request.
This Annex supplements (but does not supersede or replace) any other consents which you may have previously provided to us and it does not affect our legal rights concerning the collection, use and/or disclosure of your personal data. Any material changes to our personal data protection practices shall be notified to you.
What is Personal Data?
Personal data refers to any data or information about you from which you can be identified, directly or indirectly, either (a) from that data or (b) from that data and other information to which we have or are likely to have access. This includes personal details like your name, passport or other identification numbers, contact numbers, address, email, date of birth, occupation, education, income levels, bank account information and assets, transactionrelated information like your investment instructions, photos and videos of you from our events or office surveillances, and information about your use of our services and website, including cookies and IP address, and any other biological, physical, biometric, physiological, mental, economic, cultural or social identity factors through which you can be identified.
We Keep Your Personal Data Confidential and Secure
Your privacy is of utmost importance to us. At each stage of data collection, use and disclosure, we implement physical, electronic, administrative and procedural safeguards to protect your personal data against loss, misuse, damage and unauthorized access, modifications or disclosures. We regularly review and enhance our security policies and measures to consistently maintain a high level of security.
Purposes for Collection, Use and Disclosure of Your Personal Data
We collect, use and/or disclose your personal data for the purpose of providing advisory and arranging services in or from the DIFC, including (a) analysing your financial situation and determining financial strategies and products suitable for you; (b) advising on financial products and services offered by financial institutions or product providers; (c) analysing and managing financial and commercial risks including preventing, detecting and investigating money laundering, terrorist financing and crime, fraud or misuse of service; (d) updating you on your financial situation, our performance of our services to you, developments in our services and special happenings; (e) responding to your queries and instructions and handling complaints; (f) internal reporting and analysis related to our business operations; (g) maintaining records of your instructions and our interactions with you; (h) compliance with our legal and regulatory obligations under the laws of the United Arab Emirates, DIFC law and the DFSA Rulebook; and (h) any other purposes related to the above purposes. If we wish to collect, use, retain and/or disclose your personal data for any other purposes, we will seek your consent.
How We May Collect Your Personal Data
We may collect your personal data ourselves or through third parties (a) during our preliminary discussions with you and when establishing our relationship with you; (b) when you interact with our employees, in particular with your Financial Adviser; (c) when you communicate with us by email or telephone, your emails will be retained and we may monitor and/or record your voice calls to us; (d) when you attend our events or enter our premises, we may take pictures or videos or you may be captured on our closed circuit television cameras surveillance; (e) when you access our website; (f) when you respond to our requests for additional personal data; and (g) when you submit your personal data to us for any other reason.
When you access our website you generally do so anonymously. Your activity may however be monitored by cookies (small data files sent to your browser to track information about your usage of our website) or other navigational data. Should you wish to disable such cookies, you may do so by changing your browser settings. However, you may not be able to enter certain part(s) of our website.
Who We May Disclose Your Personal Data to
Generally, we shall protect and keep confidential your personal data. We will disclose your personal data only with your consent and for purposes that you have been informed about. You acknowledge that TWA Dubai is a Data Controller (as defined in the DPL) of your personal data. You agree that, in performing our services and for the purposes described above we may disclose your personal data for the purposes set out above to parties such as (a) our group companies; (b) banks, financial institutions, credit card companies and their respective service providers; (c) companies providing services relating to insurance and/or reinsurance, and associations of insurance companies; (d) our agents, contractors or operational third party service providers; (e) our professional advisers such as our auditors and lawyers; and (f) regulators and authorities.
When we disclose your personal data to third parties, we will ensure that they are contractually bound to protect your personal data in accordance with applicable laws and regulations, save in cases where your personal data is shared with governmental agencies and regulators, or where your personal data is publicly available or where use/disclosure of your personal data is otherwise legally mandated and exempted.
If your personal data is transferred overseas, we will inform you of the extent to which your personal data will be protected in the foreign jurisdiction(s) to which it will be transferred and seek your consent.
How Long We Keep Your Personal Data For
You agree that we shall store your personal data for as long as necessary to fulfil the purposes for which such data was collected, our business purposes, our internal, regulatory and legal needs or as is otherwise legally required. In general, your transactional personal data is kept for 6 years following transactions and your other personal data 6 years after the closing of the business relationship.
Queries, Access/Correction Requests and Withdrawal of Consent
If you have any queries, or you wish to access and/or correct your personal data, or you wish to withdraw your consent to our collection, use or disclosure of your personal data, please contact your Financial Adviser or submit a written request (with supporting documents, if any) to our Compliance Officer at info@tauruswealth.ae
Our Compliance Officer shall strive to respond to you within 30 days of your submission. Please note that if you withdraw your consent to any or all use or disclosure of your personal data, depending on the nature of your request, we may not be in a position to continue to provide our services or products to you or administer any contractual relationship in place. Such withdrawal may result in the termination of any agreement you may have with us. All our rights are reserved in such event.
If You Have a Complaint
If you should be dissatisfied with our handling of your personal data, please submit a written complaint to our Compliance Officer.
ANNEXURE
CONSENT TO OUR PROCESSING OF YOUR PERSONAL DATA
At Taurus Wealth Holding AG and Taurus Wealth AG, we are committed to safeguarding your privacy. We will collect, use, store and disclose your personal data in accordance with the General Data Protection Regulation (“GDPR”) as explained in this document (the “Annex”).
YOU AGREE AND CONSENT to Taurus Wealth Holding AG and Taurus Wealth AG (“TWA Zurich”) as well as our respective agents, authorised service providers and relevant third parties collecting, using, storing, disclosing and/or sharing your personal data in the manner set forth in this Annex. This Annex forms part of the Agreement and shall by read in conjunction with the Agreement.
YOU HEREBY REPRESENT AND WARRANT that all Personal Data you have submitted or will submit to us is complete, accurate, true and correct and you are responsible for keeping your personal data up to date. You acknowledge that failure on your part to do so may result in our inability to provide you with the products and services you have requested. To update your personal data, please reach out to your Relationship Manager at TWA Zurich.
Where you provide to us personal data concerning individuals other than yourself, YOU HEREBY REPRESENT AND WARRANT that you have obtained all legally required consents, whether explicit or deemed, from the concerned individuals and you shall retain proof of such consent(s), such proof to be provided to us upon our request.
This Annex supplements (but does not supersede or replace) any other consents which you may have previously provided to us and it does not affect our legal rights concerning the collection, use and/or disclosure of your personal data. Any material changes to our personal data protection practices shall be notified to you.
What is Personal Data?
Personal data refers to any data or information about you from which you can be identified either (a) from that data or (b) from that data and other information to which we have or are likely to have access. This includes personal details like your name, passport or other identification numbers, contact numbers, address, email, date of birth, occupation, education, income levels, bank account information and assets, transaction-related information like your investment instructions, photos and videos of you from our events or office surveillances, and information about your use of our services and website, including cookies and IP address.
We Keep Your Personal Data Confidential and Secure
Your privacy is of utmost importance to us. At each stage of data collection, use and disclosure, we implement physical, electronic, administrative and procedural safeguards to
protect your personal data against loss, misuse, damage and unauthorized access, modifications or disclosures. We regularly review and enhance our security policies and measures to consistently maintain a high level of security.
Purposes for Collection, Use and Disclosure of Your Personal Data
We collect, use and/or disclose your personal data to provide enhanced asset management services and/or family office services to you, including (a) analysing your financial situation and determining financial strategies and products suitable for you; (b) assessing and processing your applications and instructions for financial products and services offered by us and/or other financial institutions or product providers; (c) analysing and managing financial and commercial risks including preventing, detecting and investigating crime; (d) updating you on your financial situation, our performance of our services to you, developments in our services and special happenings; (e) responding to your queries and instructions and handling complaints; (f) internal reporting and analysis related to our business operations; (g) maintaining records of your instructions and our interactions with you; and (h) any other purposes related to the above purposes. If we wish to collect, use, retain and/or disclose your personal data for any other purposes, we will seek your consent.
How We May Collect Your Personal Data
We may collect your personal data ourselves or through third parties (a) during our preliminary discussions with you and when establishing our relationship with you; (b) when you interact with our employees, in particular with your Relationship Manager; (c) when you communicate with us by email or telephone, your emails will be retained and we may monitor and/or record your voice calls to us; (d) when you attend our events or enter our premises, we may take pictures or videos or you may be captured on our closed circuit television cameras surveillance; (e) when you access our website; (f) when you respond to our requests for additional personal data; and (g) when you submit your personal data to us for any other reason.
When you access our website you generally do so anonymously. Your activity may however be monitored by cookies (small data files sent to your browser to track information about your usage of our website) or other navigational data. Should you wish to disable such cookies, you may do so by changing your browser settings. However, you may not be able to enter certain part(s) of our website.
Who We May Disclose Your Personal Data to
Generally, we shall protect and keep confidential your personal data. We will disclose your personal data only with your consent and for purposes that you have been informed about. In performing our services we may disclose your personal data for the purposes set out above to parties such as (a) our group companies; (b) banks, financial institutions, credit card companies and their respective service providers; (c) companies providing services relating to insurance and/or reinsurance, and associations of insurance companies; (d) our agents, contractors or operational third party service providers; (e) our professional advisers such as our auditors and lawyers; and (f) regulators and authorities.
When we disclose your personal data to third parties, we will ensure that they are contractually bound to protect your personal data in accordance with applicable laws and regulations, save in cases where your personal data is shared with governmental agencies and regulators, or where your personal data is publicly available or where use/disclosure of your personal data is otherwise legally mandated and exempted.
If your personal data is transferred overseas, we will inform you of the extent to which your personal data will be protected in the foreign jurisdiction(s) to which it will be transferred and seek your consent.
How Long We Keep Your Personal Data For
We shall store your personal data for as long as necessary to fulfil the purposes for which such data was collected, our business purposes, our internal and legal needs or as is otherwise legally required. In general, your transactional personal data is kept for 10 years following transactions and your other personal data 10 years after the closing of the business relationship.
Queries, Access/Correction Requests and Withdrawal of Consent
If you have any queries, or you wish to access and/or correct your personal data, or you wish to withdraw your consent to our collection, use or disclosure of your personal data, please contact your Relationship Manager or submit a written request (with supporting documents, if any) to our Compliance Officer at info@tauruswealth.ch.
Our Compliance Officer shall strive to respond to you within 30 days of your submission.
Please note that if you withdraw your consent to any or all use or disclosure of your personal data, depending on the nature of your request, we may not be in a position to continue to provide our services or products to you or administer any contractual relationship in place. Such withdrawal may result in the termination of any agreement you may have with us. All our rights are reserved in such event.
If You Have a Complaint
If you should be dissatisfied with our handling of your personal data, please submit a written complaint to our Compliance Officer.
December 25, 1968 – August 01, 2023
It is with profound grief and remorse that we regret to inform you that Team Taurus has lost a valued colleague who was a pillar of support and strength to the Firm and his colleagues for over 12 years.
Sameer is survived by his Wife, Sarika and sons – Karan and Aditya
Please join all of us at Taurus Wealth in sharing our heartfelt condolences for the bereaved Family
Shared below is a eulogy penned by a colleague, that truly echoes the love and admiration of all in Team Taurus who were fortunate enough to know him; not just as a cherished colleague, but as a dear Friend and Well Wisher
– Mandeep Nalwa for and on behalf of Team Taurus
Fiercely independent, brutally honest and unquestioningly loyal to those who bestowed their faith and confidence in him; he would walk through fire to maintain the trust reposed in him! Sameer was a key contributor to keeping the lights on at Taurus in its formative years. He paved the way for the Firm in hosting a tradeable strategy with his performance out there for all to see. It was not easy upholding the standards that he set for himself and, to be sure, there were lean patches. But he lived by the motto that it doesn’t matter how hard and how often you may fall. All that matters is how soon you get back up. That the only thing that can overcome hard luck is hard work.
I also know it for a fact that he was the most efficient producer we have had in the sense that he expended the least of the Firm’s resources in delivering through thick and thin. This is a man who literally managed all his affairs, efficiently and independently, entirely on his own. Despite his low dependency on support functions, what is even more remarkable to me is that he was one of our most vocal advocates in his appreciation of the value and efforts of our colleagues in Operations & Client Servicing
I remember the first time I met Sameer I was impressed by his gravitas. Sameer always spoke clearly and precisely. His clarity of thought was on display throughout that day. What wasn’t on display in that first meeting was his steadfastness which when rattled resulted in a scathing, brutally honest description of the situation irrespective of who was in the room.
And did we have fights. 2 young men 12 years ago who generally thought one was smarter than the other we always clashed. Heated tough exchanges wherein in desperation sometimes I tried to pull rank usually to no avail.
But it wasn’t anger that defined these discussions. It was Sameers Passion. A contagious, consummate and unrelenting passion for life, relationships and performance that to me is the one defining attribute amongst many that stands out when it comes to Sameer.
The passion that drove him often characterized his emotionally charged interactions with me and his colleagues and friends. It made him stand out as a man of conviction and firm views. Views that were conveyed almost always with a brutal honesty and a lack of tolerance towards considerations of diplomatic and political finesse.
When I used to grumble to myself those days about this hot potato I had to handle I would relive the argument we had had. And I would find myself nearly always thinking that actually he is right. Consequently we quickly became good friends and I learnt to admire and respect his point of view.
Infact for his close friends, this attribute made him all the more real and endearing. It was perfectly acceptable to us as we had no doubt whatsoever that Sameer always stood for the interests of the ‘many’. His ideas, beliefs and initiatives were grounded in the conviction that his personal success could only be assured as a by-product of the overall success of his peer group. His agenda was never ever self-serving or to the exclusion of broader interests.
Thereafter no matter what he said and how he said it, his message was always for my benefit, for Taurus’ benefit. Infact suffice it to say whoever Sameer was most fond off he would punch them the most verbally because he cared for them. Hema is a good example.
I started seeking Sameer out for advise every now and then when I was faced with a situation. We would retire into one of the meeting rooms and he would often give me advise on how to deal with the situation. My admiration and respect only increased over time.
On dozens upon dozens of drives over the years when I dropped him home, our discussions on how to make Taurus Rock would go on and on and he would always says “bas Mandeep hum kar lenge. Aap stress karna band karo. Its not good for health “
When keeping the lights at Taurus on used to be a struggle, when cashflow management used to keep me up at night, the revenue he used to generate every quarter used to be like a huge load of my shoulders. Hazel our Finance Head and I used to wait for that revenue to come in because we knew things would just be a tad bit easier. He truly played a huge role in helping us manage our initial years and I was always grateful and indebted to him for that. Therefore all the firm did the last year was to try and repay him for what he had done all those years back.
The tough boarding school graduate that he was, fitness was such an important thing with Sameer and he ensured the same was with Karan and Adi. Our annual Bloomberg races where the Three Bhatias anchored us to an improving score from 170th odd out of 180 teams in the first year to a 13th rank at the last edition. Primarily because Sameer ran fast and he ensured that Adi and Karan ran faster.
We have had hundreds of evening tipples. Discussion centred nearly always on the philosophy of life, fitness and what I should change to make Taurus better. After his immediate family these were the three topics of greatest interest to him.
While I knew Sameer to be a tough man I could never have imagined how truly tough and brave he really was till he showed us all how he fought his battle.
Pragmatic, matter of fact and clear headed especially after the Doctors said that things looked very bad. Instead of looking fearful, he was truly fearless. He had borne the treatments with optimism and courage.
Eventually, when the prognosis left no room for optimism, there was no lament regret or disbelief in our conversations. His focus was squarely on securing the future of Sarika and the kids. Whether it was discussing how many days we can mourn him, the number was 4 to how he was sure his sons will make him proud and Sarika will be fine. He recounted to me how while one son always wanted to press his feet now, laughing and wincing in pain he said, the rascal has never touched my feet before this or how the other one learning of the prognosis told him that you have taught me all I need to know to make you proud. The fact that he could insist Adi stays in training instead of attending his last rites is the ultimate measure of the Immense love a father has for a son and how much he is ready to sacrifice for that love where there was no need to become weak from emotion in his view when the world was your oyster.
I last spoke to Sameer last Saturday. His voice was weak but it warmed up. We discussed life and Karma for 15 minutes and in his usual pragmatic way he said Mandeep I want to go now. I hope I don’t talk to you again. A minute after we put the phone down I got a message with a 16-minute video on Karma from him.
For those of us at Taurus who have spent many years with Sameer, it is difficult to process his loss and I can quite imagine him listening to us sobbing and saying. I told you 4 days and today the 4th. Enough now move on.
The absence of your physical presence leaves us an irreplaceable vacuum Sameer. We shall miss you sorely and shall remain ever grateful that we had the privilege of having you in our lives.
God Bless you, Sameer. From all of us at Taurus your family outside your home.