Privacy Policy

1. Introduction

Merlion Ledger ("we", "us", "our") is committed to protecting the personal data of individuals who use our website and enrol in our courses. This Privacy Policy explains how we collect, use, disclose, and protect personal data in accordance with Singapore's Personal Data Protection Act 2012 (PDPA).

This policy applies to all personal data collected through our website at merlionl.live, our course platform, and any communications between you and Merlion Ledger. For any questions, please contact us at [email protected].

2. What Personal Data We Collect

We collect the following personal data from you:

• Full name and contact details (email address, phone number)
• Correspondence you send us, including enquiry messages
• Course enrolment information and payment records
• Website usage data collected via cookies (see our Cookie Policy)
• IP address and browser type for security and analytics purposes

We collect only the data that is necessary for the purposes described below. We do not collect sensitive personal data such as financial account details, health information, or government-issued identification numbers.

3. How We Collect Personal Data

We collect personal data through the following means:

• When you complete the contact or enquiry form on our website
• When you enrol in a course and provide payment information
• When you correspond with us by email or phone
• Automatically, through cookies and analytics tools when you browse our website (subject to your cookie consent)

4. Legal Basis for Processing

We process your personal data on the following legal bases under the PDPA:

• Consent: Where you have provided explicit consent, such as when submitting a contact form or accepting cookies.
• Contractual necessity: Where processing is necessary to deliver the course you have enrolled in.
• Legitimate interest: For general correspondence management and website security.
• Legal obligation: Where required by Singapore law.

5. How We Use Your Personal Data

We use your personal data for the following purposes:

• To respond to your enquiries and provide course information
• To process enrolments and deliver course materials
• To send course-related communications, including module reminders and updates
• To maintain records required for tax and accounting purposes
• To improve our website and course content based on aggregated usage data

We do not use your personal data for any form of direct marketing unless you have separately consented. We do not share your personal data with third parties for their marketing purposes.

6. Data Retention

We retain personal data for the following periods:

• Enquiry and correspondence records: up to 2 years from last contact
• Course enrolment and payment records: up to 7 years for accounting and legal compliance
• Website analytics data: up to 26 months (aggregated form only)

After these periods, personal data is securely deleted or anonymised.

7. Data Sharing

We may share your personal data with the following third parties where necessary:

• Payment processing providers (for course enrolment transactions), who are bound by their own security standards
• Email service providers used for course delivery, operating under data processing agreements
• Analytics services (Google Analytics), where you have consented to analytics cookies

We do not sell personal data to any third party, and we do not share it with fund managers, financial platforms, or any other financial services providers.

8. Data Security

We take reasonable technical and organisational measures to protect your personal data from unauthorised access, loss, or disclosure. These include encrypted data transmission (HTTPS), access controls limiting who can view personal data, and regular reviews of our data handling practices.

In the event of a data breach that may affect your rights, we will notify the Personal Data Protection Commission and affected individuals as required under the PDPA Notification Obligation.

9. Cookies

We use cookies on our website. Please refer to our Cookie Policy for full details on the types of cookies we use, their purpose, and how to manage your preferences.

10. Your Rights

Under the PDPA, you have the following rights regarding your personal data:

• Right of access: You may request a copy of the personal data we hold about you.
• Right of correction: You may request that inaccurate or incomplete data be corrected.
• Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing.
• Right to be informed: You have the right to know how your data is being used.

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

11. Third-Party Links

Our website may contain links to MAS MoneySense and other third-party resources. We are not responsible for the privacy practices of those websites and encourage you to read their respective privacy policies before providing any personal data.

12. Children's Privacy

Our courses are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe a minor has provided us with personal data, please contact us immediately at [email protected].

13. Supervisory Authority

If you have concerns about how we handle your personal data that we have not been able to resolve, you may lodge a complaint with the Personal Data Protection Commission of Singapore (PDPC) at www.pdpc.gov.sg.

14. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified on our website with a revised effective date. Continued use of our website after any update constitutes your acknowledgement of the revised policy.

15. Contact Us

For any questions about this Privacy Policy or your personal data:

• Email: [email protected]
• Address: Merlion Ledger, 168 Robinson Road, #24-08, Singapore 068912