Privacy Policy

1. Introduction

Seruan Finance ("we", "us", "our") is committed to protecting the personal data of the individuals who use our website and enrol in our courses. This Privacy Policy explains how we collect, use, disclose, and protect personal data in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). Please read this policy carefully. If you have questions, contact us at [email protected].

2. Data We Collect

We collect personal data in the following ways:

• Enquiry and enrolment forms: name, email address, phone number, and the message or questions you include.
• Course participation: we maintain records of enrolment, attendance, and course completion for administrative purposes.
• Website analytics: if you consent to analytics cookies, we collect anonymised data on page visits and session durations.
• Correspondence: if you contact us by email or telephone, we may retain a record of that communication.

We do not collect sensitive personal data such as national identity numbers, financial account details, or health information.

3. How We Use Your Data

We use personal data for the following purposes:

• To respond to enquiries and provide information about our courses.
• To administer course enrolment, attendance, and completion records.
• To send course-related communications, including session reminders and materials.
• To improve the quality of our website and course content, where analytics consent has been given.
• To comply with legal obligations applicable to educational providers in Singapore.

We do not use your data for direct marketing unless you have given separate, explicit consent. We do not sell your data to third parties or share it with financial institutions.

4. Legal Basis for Processing

Under Singapore's PDPA, we rely on the following bases for processing personal data:

• Consent: you provide consent when you submit an enquiry or enrolment form, or accept analytics cookies.
• Contractual necessity: to administer your enrolment in a course, we need to process certain personal data.
• Legitimate interests: to improve and maintain the security of our website, to the extent consistent with PDPA requirements.

5. Data Retention

We retain personal data for as long as necessary to fulfil the purposes for which it was collected:

• Enquiry data: retained for twelve months from the date of enquiry, then deleted unless enrolment followed.
• Enrolment and course records: retained for five years following course completion for administrative and quality assurance purposes.
• Analytics data: anonymised and retained in aggregate form; no personal identifiers are stored beyond the session.

6. Sharing with Third Parties

We do not sell, rent, or trade personal data. We may share data with:

• Service providers who support our website hosting and email systems, bound by data processing agreements consistent with PDPA requirements.
• Regulatory or government bodies if required by law or a lawful order.

No personal data is shared with financial product providers, investment platforms, or advertising networks.

7. Cookies

Our website uses cookies to support basic functionality and, where you consent, to collect anonymised analytics data. For full details see our Cookie Policy. You may withdraw cookie consent at any time using the preferences controls on that page.

8. Data Security

We take reasonable technical and organisational measures to protect personal data against unauthorised access, disclosure, or loss. These include access controls, secure server infrastructure, and periodic review of data handling practices. In the event of a data breach affecting your personal data, we will notify you and the Personal Data Protection Commission of Singapore (PDPC) as required under the PDPA's mandatory breach notification provisions.

9. Your Rights

Under Singapore's PDPA, you have the following rights in relation to your personal data:

• Right of access: to request a copy of the personal data we hold about you.
• Right of correction: to request that inaccurate or incomplete data be corrected.
• Right to withdraw consent: to withdraw consent to the processing of your data at any time; this does not affect the lawfulness of processing before withdrawal.
• Right to data portability: where technically feasible, to request your data in a structured, machine-readable format.

To exercise any of these rights, contact us at [email protected]. We will respond within thirty days of receiving your request.

10. Children's Privacy

Our courses are designed for adults aged 40 and above. We do not knowingly collect data from individuals under 18 years of age. If we become aware that data has been collected from a minor, we will delete it promptly.

11. Third-Party Links

Our website may contain links to external websites, including CPF Board resources and MAS guidance pages. We are not responsible for the privacy practices of those websites and recommend reviewing their privacy policies separately.

12. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be reflected in the "Last Updated" date at the top of this page. We recommend reviewing this page when you next submit a form or enrol in a course.

13. Contact

For any questions or concerns about this policy or our data handling practices, contact our data protection contact at:

• Email: [email protected]
• Post: Seruan Finance, 3 Anson Road, #20-01, Singapore 079909

If you are not satisfied with our response, you may contact the Personal Data Protection Commission of Singapore at www.pdpc.gov.sg.