This Privacy Policy describes how Merlion Wealth ("we," "us," or "our") collects, uses, discloses, and safeguards personal data in connection with our financial education courses and related communications. We are committed to managing personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.
By providing your personal data to us — whether through our website, an enrolment form, or any correspondence — you acknowledge that you have read and understood this policy.
1. Who We Are
Merlion Wealth is a financial education provider based in Singapore, offering structured courses for adults aged 40 and older. Our registered address is 111 Somerset Road, #13-06, Singapore 238164.
For data protection enquiries, you may contact our Data Protection Officer at [email protected] or by calling +65 6295 4831.
2. Personal Data We Collect
We collect only the personal data reasonably necessary to provide our educational services and to communicate with you. This may include:
- Your name and contact details (email address, telephone number)
- Enquiry or enrolment information submitted through our website contact form
- Correspondence records if you contact us by email or telephone
- Attendance and participation records for course administration
- Feedback or evaluation responses provided voluntarily after a course
We do not collect sensitive financial data such as account numbers, CPF account details, or investment holdings. Our courses are educational in nature; no financial product transactions occur through Merlion Wealth.
3. How We Use Your Personal Data
We use the personal data you provide for the following purposes:
- Responding to enquiries about our courses and programmes
- Processing enrolments and administering course participation
- Sending course materials, updates, or scheduling information
- Contacting you regarding changes to our services or policies
- Sending periodic updates about forthcoming courses, with your consent
- Improving our course materials and participant experience
- Complying with legal obligations under Singapore law
We will not use your personal data for any purpose that is materially different from those described above without notifying you and, where required, obtaining your consent.
4. Disclosure to Third Parties
We do not sell, rent, or trade your personal data to third parties. We may share your information with service providers who assist us in operating our website or delivering our courses, but only to the extent necessary and under appropriate data protection obligations.
We may also disclose personal data where required by law, regulatory authority, or legal process in Singapore.
5. Data Retention
We retain personal data for as long as necessary to fulfil the purposes described in this policy, or as required by applicable law. Enrolment and participation records are typically retained for up to five years following course completion. Enquiry records that do not result in enrolment are retained for up to twelve months.
When personal data is no longer required, we dispose of it in a manner that prevents unauthorised access or use.
6. Cookies and Website Data
Our website uses cookies to support basic functionality and to help us understand how visitors interact with our pages. Cookies do not identify you personally unless you have provided personal data through a form.
You may adjust your browser settings to limit or decline cookies. Please see our Cookie Policy for further details.
7. Security
We take reasonable technical and organisational measures to protect personal data from unauthorised access, loss, or disclosure. Our website uses HTTPS encryption. Access to personal data within our organisation is limited to those who require it for legitimate operational purposes.
While we maintain appropriate safeguards, no method of data transmission or storage can be entirely protected. We encourage you to use secure connections when submitting personal information online.
8. Your Rights Under the PDPA
Under Singapore's Personal Data Protection Act, you have the right to:
- Request access to the personal data we hold about you
- Request correction of any inaccurate or incomplete personal data
- Withdraw consent for the use of your personal data for optional purposes, such as marketing updates
- Request that we cease or limit use of your data in certain circumstances
To exercise any of these rights, please contact us at [email protected]. We will respond within the time period required by the PDPA.
9. Links to External Websites
Our website may include links to external websites for reference purposes. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any external sites you visit.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable legal requirements. The revised policy will be published on this page with an updated date. We encourage you to review this page periodically.
If material changes are made, we will notify participants who have an active enrolment or recent enquiry via email.
11. Contact Us
For any questions or concerns about this Privacy Policy, or to exercise your rights under the PDPA, please contact us:
Merlion Wealth — Data Protection Enquiries
111 Somerset Road, #13-06, Singapore 238164