Privacy Policy

Introduction

Sterling Finance is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect information when you interact with our financial education services in Singapore.

We operate in accordance with Singapore's Personal Data Protection Act (PDPA) and maintain high standards for data protection. If you have questions about this policy, please contact us at [email protected].

Information We Collect

Personal Information You Provide

When you inquire about or enroll in our courses, we may collect:

• Name and contact details (email address, phone number)
• Postal address for course materials delivery
• Payment information for course enrollment
• Educational background and learning goals (voluntary)
• Communication preferences

Information Collected Automatically

When you visit our website, we automatically collect certain information:

• Device and browser information
• IP address and location data
• Pages visited and time spent on our website
• Referring website or search terms used
• Cookie and similar technology data (see our Cookie Policy)

Legal Basis for Processing

We process your personal data based on:

• Contract: To provide educational services you've enrolled in
• Consent: For marketing communications you've opted into
• Legitimate Interest: To improve our services and website functionality
• Legal Obligation: To comply with Singapore regulations

How We Use Your Information

Primary Purposes

• Processing course enrollments and managing your participation
• Communicating about course schedules, materials, and updates
• Responding to your inquiries and providing support
• Processing payments and maintaining transaction records
• Issuing certificates of completion

Secondary Purposes

• Improving our educational programs and course content
• Understanding participant demographics and learning needs
• Analyzing website usage to enhance user experience
• Sending information about new courses (with your consent)
• Conducting participant satisfaction surveys

Marketing Communications

We will only send you marketing emails if you have opted in to receive them. You can unsubscribe at any time using the link in our emails or by contacting us directly.

Data Sharing and Third Parties

Service Providers

We share limited data with trusted service providers who assist us:

• Payment processors: For secure transaction handling
• Email service providers: For course communications
• Website hosting services: For platform operation
• Analytics providers: For website improvement (Google Analytics)

These providers are contractually obligated to protect your data and use it only for specified purposes.

Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request in Singapore.

No Sale of Data

We do not sell, rent, or trade your personal data to third parties for their marketing purposes.

Data Security and Protection

We implement appropriate technical and organizational measures to protect your personal data:

Security Measures

• Secure socket layer (SSL) encryption for data transmission
• Secure servers with access controls and authentication
• Regular security assessments and updates
• Staff training on data protection practices
• Confidentiality agreements with service providers

Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy:

• Course participant records: 7 years (for certification and educational records)
• Inquiry information: 2 years (unless you request earlier deletion)
• Marketing consent records: Until you withdraw consent
• Transaction records: 7 years (for tax and accounting purposes)

Your Rights and Choices

Under Singapore's PDPA, you have the following rights:

Access Rights

You have the right to:

• Request access to the personal data we hold about you
• Receive information about how we process your data
• Request correction of inaccurate or incomplete data

Control Rights

You can:

• Withdraw consent for marketing communications at any time
• Request deletion of your data (subject to legal retention requirements)
• Object to certain types of data processing
• Request data portability for information you provided

Exercising Your Rights

To exercise any of these rights, contact us at [email protected]. We will respond to your request within 30 days.

Right to Complain

If you believe we have not handled your data properly, you have the right to lodge a complaint with Singapore's Personal Data Protection Commission (PDPC).

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and analyze site usage. For detailed information about our cookie practices, please see our Cookie Policy.

Types of Cookies We Use

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand site usage (Google Analytics)
• Preference cookies: Remember your settings and choices

Children's Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal data from individuals under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] so we can delete it.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification to enrolled participants
• Displaying a notice on our website for 30 days

Continued use of our services after changes indicates acceptance of the updated policy.

Contact Information

For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: