Privacy Policy

1. Introduction

Monetica ("we", "our", "us") is committed to protecting the personal data of individuals who interact with our services. This Privacy Policy explains how we collect, use, disclose, and protect personal data in connection with our financial education programmes and related communications.

This policy applies to all personal data collected through our website, contact forms, programme enquiries, and direct communications. By engaging with Monetica, you acknowledge that your personal data will be handled as described in this policy.

For privacy-related enquiries, contact us at: [email protected]

2. Data We Collect

We may collect the following categories of personal data:

• Contact information: Name, email address, phone number — collected through enquiry forms and direct correspondence.
• Programme participation data: Information shared during sessions relevant to your financial situation, where applicable to programme delivery.
• Usage data: Standard website analytics including pages visited, session duration, and referral sources. Collected only with your consent.
• Communication records: Records of correspondence between you and Monetica for service continuity and quality assurance.

We collect only what is necessary for the purpose stated at the time of collection.

3. How We Use Your Data

• Responding to programme enquiries and arranging consultations
• Delivering and administering enrolled programmes
• Sending administrative communications relevant to your enrolment
• Improving programme content based on aggregate, non-identifiable feedback
• Complying with legal obligations under Singapore law

We do not use personal data for marketing communications without your explicit consent. We do not sell personal data to third parties under any circumstances.

4. Legal Basis for Processing

We process personal data under the following bases in accordance with Singapore's Personal Data Protection Act 2012 (PDPA):

• Consent: Where you have provided explicit consent, such as when submitting an enquiry form.
• Contractual necessity: Where processing is necessary to deliver a programme you have enrolled in.
• Legitimate interests: Where we have a legitimate business interest that does not override your rights, such as maintaining communication records.
• Legal obligation: Where we are required to process data by applicable Singapore law.

5. Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected, and in accordance with applicable legal requirements. Typical retention periods:

• Enquiry data (not enrolled): 12 months from last contact
• Programme participant data: 5 years from programme completion, to support any follow-up engagement
• Financial communication records: 7 years, in line with standard business record-keeping guidance
• Website analytics data: 26 months (where consent given)

6. Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure, or destruction. These include:

• Encryption of data in transit (HTTPS/TLS)
• Access controls limiting data access to authorised personnel only
• Secure storage of physical and digital records
• Regular review of data handling practices

In the event of a data breach that is likely to result in significant harm, we will notify affected individuals and the Personal Data Protection Commission (PDPC) in accordance with the PDPA Notification of Data Breaches obligation.

7. Cookies

Our website uses cookies to support basic functionality and, with your consent, to collect anonymous usage analytics. You can manage cookie preferences at any time through our Cookie Policy page, or through your browser settings.

8. Third-Party Sharing

We do not share personal data with third parties for commercial purposes. We may share data with the following categories of service providers, solely for operational purposes:

• Website hosting and email infrastructure providers (under data processing agreements)
• Analytics tools, where consent has been provided
• Professional advisers such as legal and accounting firms, under confidentiality obligations

Any third parties with whom data is shared are required to maintain standards of data protection consistent with this policy.

9. Your Rights

Under Singapore's PDPA, you have the following rights regarding your personal data held by Monetica:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Withdrawal of consent: Withdraw consent for processing at any time (this does not affect prior processing)
• Data portability: Request that data be provided in a portable format where technically feasible
• Erasure: Request deletion of personal data, subject to legal retention obligations

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. If you are dissatisfied with our response, you may lodge a complaint with the Personal Data Protection Commission at pdpc.gov.sg.

10. Third-Party Links

Our website may contain links to external sites. Monetica is not responsible for the privacy practices of those sites. We recommend reviewing the privacy policies of any external sites you visit.

11. Children's Privacy

Monetica's programmes are designed for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If you believe we have inadvertently collected such data, please contact us immediately at [email protected].

12. Policy Updates

We may update this Privacy Policy from time to time. Material changes will be communicated via email to enrolled participants and announced on this page. The date at the top of this page reflects the most recent revision. Continued use of our services following notification of changes constitutes acceptance of the updated policy.

13. Contact