Legal

Privacy Policy

Last Updated: 18 April 2025 · Effective: 18 April 2025

Pulau Learning Pte. Ltd. ("Pulau Learning", "we", "us", or "our") operates the website at pulauleas.site and delivers financial education courses from our office at 9 Raffles Place, #24-01, Singapore 048619. This policy explains how we collect, use, and protect the personal data of individuals who interact with our website or enrol in our courses.

We handle personal data in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). If you have questions about this policy, please contact us at [email protected].

1. Data We Collect

We collect personal data in the following ways:

• Enquiry forms: name, email address, phone number (optional), and the content of your message.
• Enrolment: name, email address, phone number, and payment details (processed by our payment provider; we do not store card data).
• Course participation: completed worksheets and documents shared during sessions (used only for course delivery and retained for twelve months after course completion).
• Website usage: pages visited, time on site, and browser type — collected via analytics cookies when consent is given.

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

2. Legal Basis for Processing

• Consent: for optional analytics cookies and direct marketing communications.
• Contract performance: for processing enrolments, delivering course materials, and managing participant accounts.
• Legitimate interests: for responding to enquiries, improving our courses, and maintaining the security of our systems.
• Legal obligation: for complying with Singapore's PDPA and IRAS record-keeping requirements.

3. How We Use Personal Data

• Responding to enquiries submitted via our contact form
• Processing course enrolments and sending course materials
• Communicating with participants about course schedules and updates
• Sending occasional updates about new courses — only if you have consented
• Analysing website usage to improve the site (analytics cookies, with consent)
• Complying with our legal and regulatory obligations

We do not use personal data for profiling, automated decision-making, or advertising purposes.

4. Data Sharing

We do not sell personal data to third parties. We may share data with:

• Payment processors: to handle course fee transactions securely.
• Email service providers: to deliver transactional and course communications.
• Analytics providers: such as Google Analytics, when analytics cookies are accepted. Data is processed under data processing agreements.
• Professional advisers: legal, accounting, or compliance consultants where necessary and under confidentiality obligations.
• Regulatory authorities: if required under Singapore law.

5. Data Retention

• Enquiry data: retained for twelve months after the last correspondence.
• Enrolment and course records: retained for five years for administrative and compliance purposes.
• Participant worksheets shared during courses: retained for twelve months after course completion, then deleted.
• Analytics data: retained for twenty-six months, as set by Google Analytics defaults.

6. Data Security

We use the following measures to protect personal data:

• TLS encryption for data transmitted to and from our website
• Access controls limiting data to staff with a need to handle it
• Secure, password-protected systems for storing participant records
• Regular review of data handling practices

In the event of a data breach that may cause harm to individuals, we will notify affected persons and the Personal Data Protection Commission (PDPC) in accordance with the PDPA's mandatory breach notification requirements.

7. Cookies

We use cookies on this website. Essential cookies are necessary for the site to function and cannot be declined. Analytics and preference cookies are used only when you consent. For full details, please see our Cookie Policy.

8. Your Rights Under the PDPA

Under Singapore's PDPA, you have the right to:

• Access the personal data we hold about you
• Correction of inaccurate data
• Withdrawal of consent where consent is the basis of processing — this will not affect processing already carried out
• Data portability (where technically feasible) for data you have provided to us directly
• Lodge a complaint with the Personal Data Protection Commission if you believe we have not handled your data appropriately

To exercise any of these rights, write to us at [email protected]. We will respond within thirty calendar days.

9. Third-Party Links

Our website may contain links to external sites such as CPF Board, MAS, and IRAS for reference purposes. We are not responsible for the privacy practices of those sites and recommend reviewing their policies directly.

10. Children

Our courses are designed for adults aged 40 and older. We do not knowingly collect personal data from individuals under the age of 18. If you believe a minor has submitted data to us, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or applicable law. We will update the "Last Updated" date above when we do. Continued use of our website after a policy update constitutes acceptance of the revised terms.

12. Contact

For any questions or requests relating to this policy or your personal data:

• Email: [email protected]
• Post: Pulau Learning Pte. Ltd., 9 Raffles Place, #24-01, Singapore 048619
• Phone: +65 8739 4162

For complaints, you may also contact the Personal Data Protection Commission (PDPC) at pdpc.gov.sg.