Privacy Policy

1. Introduction

Aurem Path ("we", "us", "our") is committed to protecting the personal data of individuals who interact with our programs and services. This Privacy Policy explains how we collect, use, store, and disclose personal data in connection with our financial education services in Singapore.

This policy applies to all participants, enquirers, and website visitors. Please read it carefully. If you have questions, you may contact us at [email protected].

2. Data Controller

The data controller is Aurem Path, located at 80 Robinson Road, #15-03, Singapore 068898. We are responsible for determining the purposes and means of processing personal data collected through our services.

3. What Personal Data We Collect

We may collect the following categories of personal data:

• Contact information: Name, email address, phone number.
• Financial context: General financial situation information shared voluntarily during program participation (income ranges, savings goals, insurance details where relevant to a program). This is never shared externally.
• Usage data: IP address, browser type, pages visited, and time spent on our website, collected via cookies and analytics tools.
• Communication records: Enquiries, correspondence, and session notes where relevant to program delivery.

4. Legal Basis for Processing

• Consent: For marketing communications and optional cookies — you may withdraw consent at any time.
• Contract performance: To deliver program services you have enrolled in.
• Legitimate interest: For service improvement, administrative purposes, and fraud prevention.
• Legal obligation: Where required by Singapore law or regulatory requirements.

5. How We Use Your Personal Data

• To respond to enquiries and provide program information.
• To deliver and administer financial education programs you have enrolled in.
• To send program-related communications and follow-up materials.
• To improve our programs and website based on usage patterns.
• To comply with applicable legal and regulatory requirements in Singapore.

We do not sell personal data to third parties. We do not use personal data for profiling, automated decision-making, or targeted advertising without explicit consent.

6. Data Retention

Contact and enquiry data is retained for up to 24 months from last contact. Program participant records are retained for up to 5 years from program completion for administrative and legal purposes. Financial context notes shared during programs are retained only for the duration of the active program engagement and deleted within 90 days of completion unless the participant requests otherwise.

7. Third-Party Services

We use the following categories of third-party services which may process personal data:

• Website analytics: To understand how visitors use our site. Analytics data is anonymised where possible.
• Email delivery services: For sending program communications.
• Payment processors: For processing program fees securely.

All third-party providers are required to process personal data in accordance with applicable data protection law.

8. Cookie Usage

Our website uses cookies to improve user experience and collect analytics data. You can manage cookie preferences through our cookie consent tool or your browser settings. Please see our Cookie Policy for details.

9. Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration, or destruction. These include access controls, secure storage, and regular review of data handling practices. In the event of a data breach affecting your rights and freedoms, we will notify affected individuals and the Personal Data Protection Commission (PDPC) as required under Singapore's PDPA.

10. Your Rights Under Singapore's PDPA

Under the Personal Data Protection Act 2012 (Singapore), you have the right to:

• Request access to the personal data we hold about you.
• Request correction of inaccurate or incomplete personal data.
• Withdraw consent to processing (where consent is the legal basis).
• Request that we stop using your personal data in certain circumstances.
• Lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg.

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

11. Children's Privacy

Our programs are intended for individuals aged 18 and above. We do not knowingly collect personal data from persons under 18. If we become aware that personal data has been collected from a minor without appropriate consent, we will delete it promptly.

12. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those sites and encourage you to review their individual privacy policies before providing any personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Where changes are material, we will notify participants by email or by a prominent notice on our website. The date at the top of this page reflects when the policy was last revised.

14. Contact

For privacy-related enquiries, data access or correction requests, or any concerns about how we handle personal data:

• Email: [email protected]
• Address: Aurem Path, 80 Robinson Road, #15-03, Singapore 068898
• Phone: +65 6738 2054