Privacy Policy

This Privacy Policy explains how Sinar Wealth Pte Ltd ("Sinar Wealth", "we", "our") collects, uses, discloses, and protects personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore. By using our website or enrolling in our courses, you agree to the practices described in this policy.

1. Who We Are

Sinar Wealth provides financial education courses for individuals aged 40 and older in Singapore. Our registered address is 24 Peck Seah Street, #10-08, Singapore 079314. You may contact us at [email protected] or by telephone at +65 6729 4158.

2. Personal Data We Collect

We collect personal data that you provide directly or that arises naturally in the course of our relationship with you. This includes:

• Identification information: name, NRIC or other identification where required for course registration
• Contact information: email address, telephone number, mailing address
• Enquiry and correspondence records: messages submitted through our contact form, email threads, and telephone records
• Course participation data: attendance records, workbook submissions, and completion status
• Payment information: transaction references processed through our payment providers (we do not retain full card details)
• Website usage data: pages visited, browser type, referring URL, and session duration, collected via cookies and server logs

We do not collect sensitive personal data such as NRIC numbers unless it is strictly necessary for course administration or required by law.

3. How We Use Your Personal Data

We use the personal data we collect for the following purposes:

• Processing course enrolments and maintaining attendance records
• Responding to enquiries and providing course-related support
• Issuing invoices and processing payments
• Sending course materials, schedules, and updates relevant to programmes you have enrolled in
• Improving our courses and website based on usage patterns
• Complying with applicable Singapore laws and regulations

We do not use your data for profiling, automated decision-making, or targeted advertising. We will ask for your consent before using your data for any purpose not listed above.

4. Disclosure of Personal Data

We do not sell, rent, or trade personal data. We may share data in limited circumstances:

• Service providers: third-party vendors who assist with payment processing, email delivery, or website hosting, bound by data processing agreements
• Regulatory bodies: where disclosure is required by Singapore law, a court order, or a competent regulatory authority
• Professional advisors: lawyers or auditors, solely as required for professional advice

All third parties who receive personal data from us are required to maintain its confidentiality and use it only for the agreed purpose.

5. Cookies and Tracking

Our website uses cookies to support essential functions and to understand how visitors use our pages. You may manage your cookie preferences at any time through the banner displayed on your first visit or through your browser settings. For a full explanation of cookies we use, please refer to our Cookie Policy.

6. Data Retention

We retain personal data for as long as necessary to fulfil the purposes for which it was collected, or as required by Singapore law. Course records are typically retained for five years following course completion. Enquiry records that do not result in enrolment are removed after 24 months.

7. Security

We maintain reasonable organisational and technical measures to protect personal data from unauthorised access, disclosure, alteration, and loss. These include access controls, encrypted data transmission, and regular staff training on data handling practices.

No method of transmission over the internet is entirely without risk. If you believe your personal data has been compromised, please contact us promptly at [email protected].

8. Your Rights Under the PDPA

Under Singapore's Personal Data Protection Act, you have the right to:

• Access the personal data we hold about you
• Correct any inaccurate or incomplete data
• Withdraw consent for uses where consent is the basis for processing
• Request deletion of data we no longer have a legitimate reason to retain

To exercise any of these rights, please write to us at [email protected]. We will respond within 30 days of receiving a valid request. In some cases we may ask you to verify your identity before fulfilling a request.

9. Third-Party Links

Our website may contain links to external sites, including government portals such as CPF Board and MAS. This policy applies only to our own website. We are not responsible for the data practices of third-party sites and encourage you to read their respective privacy policies.

10. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "Last updated" date at the top of this page. If changes are material, we will notify enrolled participants by email.

11. Contact Us

If you have questions about this policy or how we handle your personal data, please contact our Data Protection Officer: