Privacy Policy

Last Updated: December 15, 2024

Effective Date: December 15, 2024

1. Introduction

DiPasriNeg ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website dipasrineg.com, use our services, or interact with us in any way.

This Privacy Policy complies with Singapore's Personal Data Protection Act (PDPA) 2012 and other applicable data protection laws. By using our services, you consent to the collection and use of your information as described in this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, gender, education level, employment status
• Financial Information: Income level, investment experience, financial goals (for educational purposes only)
• Educational Information: School/university affiliation, course enrollment details
• Communication Records: Messages sent through contact forms, email correspondence, chat logs

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on site, click patterns, referral sources
• Location Data: General geographic location based on IP address
• Cookies and Similar Technologies: As described in our Cookie Policy

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

• Providing financial literacy education and resources
• Responding to inquiries and providing customer support
• Processing registrations for courses and workshops
• Personalizing your learning experience

3.2 Communication

• Sending newsletters and educational content
• Notifying you about new courses, workshops, or updates
• Responding to your questions and requests
• Conducting surveys and gathering feedback

3.3 Improvement and Analytics

• Analyzing website usage to improve our services
• Conducting research on financial literacy education
• Developing new educational content and features
• Monitoring and preventing fraud or abuse

4. Legal Basis for Processing

We process your personal information based on:

• Consent: When you explicitly consent to our processing activities
• Contract Performance: To fulfill our services and obligations to you
• Legitimate Interests: For business operations, security, and service improvement
• Legal Compliance: To comply with Singapore laws and regulations

5. Information Sharing and Disclosure

5.1 We Do Not Sell Personal Information

We do not sell, rent, or trade your personal information to third parties for commercial purposes.

5.2 Permitted Disclosures

We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in our operations (subject to confidentiality agreements)
• Educational Partners: With schools or institutions when you participate in joint programs
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Safety and Security: To protect our rights, property, or safety, or that of others

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Fulfill the purposes outlined in this Privacy Policy

Generally, we retain:

• Account Information: For the duration of your relationship with us plus 7 years
• Communication Records: For 3 years from the last interaction
• Website Analytics Data: For 2 years in aggregated form
• Marketing Data: Until you opt out or 5 years, whichever is earlier

7. Data Security

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

• Encryption: Data in transit and at rest is encrypted using industry standards
• Access Controls: Limited access to personal information on a need-to-know basis
• Security Monitoring: Regular monitoring for unauthorized access or data breaches
• Staff Training: Regular privacy and security training for all employees
• Incident Response: Procedures for responding to potential data breaches

8. Your Rights Under Singapore PDPA

Under Singapore's Personal Data Protection Act, you have the following rights:

8.1 Access Rights

• Request access to your personal information we hold
• Obtain information about how we use your data
• Request a copy of your personal information

8.2 Correction Rights

• Request correction of inaccurate personal information
• Update incomplete personal information

8.3 Withdrawal of Consent

• Withdraw consent for specific processing activities
• Opt out of marketing communications
• Limit certain data collection practices

8.4 How to Exercise Your Rights

To exercise your rights, contact us at:

• Email: [email protected]
• Phone: +65 6234 5678
• Mail: Data Protection Officer, DiPasriNeg, 123 Marina Boulevard, Singapore 018956

9. International Data Transfers

Your personal information may be transferred to and processed in countries outside Singapore. When we transfer data internationally, we ensure adequate protection through:

• Adequacy decisions by Singapore authorities
• Standard contractual clauses
• Binding corporate rules
• Other legally recognized transfer mechanisms

10. Children's Privacy

Our services are designed for users aged 13 and above. We do not knowingly collect personal information from children under 13 without parental consent. If we become aware of such collection, we will delete the information immediately.

For users aged 13-18, we encourage parental involvement in their financial education journey and may require parental consent for certain activities.

11. Third-Party Links and Services

Our website may contain links to third-party websites and services. This Privacy Policy does not apply to these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will:

• Post the updated policy on our website
• Update the "Last Updated" date
• Notify you of material changes via email or website notice
• Obtain your consent for changes that expand our use of your information

13. Contact Information

For questions, concerns, or complaints about this Privacy Policy or our data practices, please contact:

14. Governing Law

This Privacy Policy is governed by the laws of Singapore. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of Singapore courts.

15. Complaints

If you believe we have not handled your personal information appropriately, you may file a complaint with:

• Personal Data Protection Commission (PDPC) Singapore
• Website: www.pdpc.gov.sg
• Email: [email protected]