Privacy Policy

Introduction

Anchor Point ("we," "us," or "our") is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, enroll in our courses, or otherwise interact with our services.

We comply with Singapore's Personal Data Protection Act 2012 (PDPA) and applicable data protection laws. By using our services, you consent to the practices described in this policy.

Information We Collect

Personal Information You Provide

We collect information you voluntarily provide when you:

• Submit contact forms or inquiries
• Register for our courses or programs
• Subscribe to our communications
• Communicate with us via email or phone

This information may include: name, email address, phone number, mailing address, payment information (processed securely by third-party payment processors), and course-related information such as financial planning details shared during educational sessions.

Automatically Collected Information

When you visit our website, we may automatically collect:

• Device information (browser type, operating system)
• IP address and general location data
• Website usage data (pages visited, time spent, referring sites)
• Cookie data (see our Cookie Policy for details)

How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: To provide our educational courses, process registrations, and deliver course materials
• Communication: To respond to inquiries, send course updates, and provide post-course support
• Payment Processing: To process course fees and related transactions
• Improvement: To analyze course effectiveness and improve our educational programs
• Marketing: To send information about new courses or programs (with your consent)
• Legal Compliance: To comply with legal obligations and protect our rights

Legal Basis for Processing

We process your personal data based on:

• Consent: When you provide explicit consent for specific processing activities
• Contract Performance: When processing is necessary to deliver our educational services
• Legitimate Interests: When processing serves our legitimate business interests while respecting your privacy rights
• Legal Obligations: When required by Singapore law or regulatory requirements

Data Sharing and Disclosure

We do not sell your personal data. We may share information with:

• Service Providers: Third parties who assist with payment processing, email communications, website hosting, and analytics
• Legal Requirements: Authorities when required by law or to protect our legal rights
• Business Transfers: In connection with mergers, acquisitions, or asset sales (with appropriate data protection measures)

We ensure all third parties adhere to appropriate data protection standards and use your information only for specified purposes.

Data Security

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

• Secure SSL/TLS encryption for data transmission
• Access controls limiting data access to authorized personnel only
• Regular security assessments and updates
• Secure data storage with backup systems
• Staff training on data protection practices

While we take reasonable precautions, no internet transmission or electronic storage method is completely secure. We cannot guarantee absolute security but commit to promptly addressing any security incidents.

Data Retention

We retain personal data for as long as necessary to fulfill the purposes outlined in this policy and comply with legal obligations:

• Course Participant Data: Retained for 7 years after course completion for educational records and support purposes
• Marketing Data: Retained until you withdraw consent or request deletion
• Financial Records: Retained for 7 years as required by Singapore tax regulations
• Website Analytics: Typically retained for 26 months

After retention periods expire, we securely delete or anonymize personal data.

Your Rights

Under Singapore's PDPA and applicable data protection laws, you have the following rights:

• Access: Request access to your personal data we hold
• Correction: Request correction of inaccurate or incomplete data
• Withdrawal of Consent: Withdraw consent for processing where consent is the legal basis
• Data Portability: Request transfer of your data in a structured, commonly used format
• Objection: Object to processing based on legitimate interests
• Deletion: Request deletion of your personal data (subject to legal retention requirements)

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

Cookies and Tracking

Our website uses cookies and similar tracking technologies. For detailed information about the cookies we use and how to manage your preferences, please see our Cookie Policy.

Third-Party Links

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

Children's Privacy

Our services are intended for individuals aged 18 and over. We do not knowingly collect personal data from individuals under 18. If we become aware of such collection, we will promptly delete the information.

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

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

Supervisory Authority

If you believe we have not addressed your privacy concerns adequately, you have the right to lodge a complaint with Singapore's Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg.