Privacy Policy

1. Who We Are

Pelangi is a financial education practice registered in Singapore, with our principal place of business at 168 Beach Road, #21-07, Singapore 189744. We offer structured learning programmes for adults in their forties and fifties who wish to develop a clearer understanding of household financial matters.

When this policy refers to "Pelangi", "we", "us" or "our", it means the practice described above. When it refers to "you" or "your", it means the individual whose personal data is being collected or processed.

2. Personal Data We Collect

We collect personal data only when it is reasonably necessary for the purposes described in this policy. The categories of data we may collect include:

• Your name and preferred form of address
• Contact information including email address and telephone number
• Postal address, where relevant to the delivery of a programme
• Enquiry details you provide when you contact us through our website or by telephone
• Programme enrolment information including the programme selected, session dates and payment records
• Notes made during or following a bespoke programme session, where you have consented to this
• Website usage data collected automatically through cookies and similar technologies (see our Cookie Policy for details)

We do not collect sensitive personal data such as data about health, financial account numbers, identity card numbers or biometric data through our website or standard enrolment process. Where a bespoke programme involves discussion of household financial circumstances, any notes are held with additional care and are not shared.

3. How We Collect Personal Data

We collect personal data in the following ways:

• Directly from you, when you complete an enquiry form on our website or contact us by email or telephone
• When you enrol in a programme and complete the associated registration
• During sessions, in the form of notes taken by our facilitators (for bespoke programmes only, and only where agreed)
• Automatically, through cookies placed on your device when you visit our website

4. Purposes for Which We Use Personal Data

We use your personal data for the following purposes:

• To respond to your enquiry and provide you with information about our programmes
• To administer your enrolment and communicate details of sessions, materials and any changes
• To prepare written session summaries for bespoke programme participants
• To process payments and issue receipts
• To maintain records as required for our operational and financial administration
• To send you occasional information about forthcoming programmes, where you have indicated you are willing to receive this
• To improve our website and understand how visitors use it, using aggregated and anonymised data

We do not use your personal data for automated decision-making or profiling.

5. Disclosure of Personal Data

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

• With service providers who assist us in operating our website, processing payments or sending communications — these providers are required to handle data only in accordance with our instructions
• Where required by law or by order of a Singapore court or regulatory authority
• With your consent, in any other circumstances

We do not transfer personal data outside Singapore except where our service providers are located overseas and where appropriate safeguards are in place.

6. Retention of Personal Data

We retain personal data for as long as is necessary for the purposes for which it was collected, or as required by applicable law. Enquiry records are retained for up to twelve months. Enrolment and payment records are retained for seven years in accordance with our financial record-keeping obligations. Written session summaries prepared for bespoke programme participants are retained for three years following the conclusion of the programme, after which they are securely destroyed unless you request earlier deletion.

7. Your Rights

Under the Personal Data Protection Act 2012, 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 to the use of your personal data for specific purposes, where processing is based on consent

To exercise any of these rights, please write to us at the address below or send an email to [email protected]. We will respond within thirty days.

8. Cookies

Our website uses cookies to help it function and to understand how it is used. You can find full details of the cookies we use and how to manage them in our Cookie Policy.

9. Security

We take reasonable steps to protect personal data from unauthorised access, use, disclosure or loss. Our website uses HTTPS encryption. Access to personal data within Pelangi is limited to those who need it for the purposes described in this policy.

10. Changes to This Policy

We may update this policy from time to time. When we do, we will revise the "last reviewed" date at the top of this page. We encourage you to read this policy periodically so that you are aware of how we handle your personal data.

11. Contact Us

If you have any questions about this policy or about how we handle your personal data, please contact us:

• Email: [email protected]
• Telephone: +65 6947 2530
• Post: 168 Beach Road, #21-07, Singapore 189744

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