Privacy Policy

Introduction

At Meridian Edge, we take the privacy and security of your personal information seriously. This Privacy Policy explains how we collect, use, protect, and handle your personal data when you interact with our financial education services and website.

This policy applies to all personal information collected through our website, course registration, and participation in our educational programs. By using our services or providing your personal information, you consent to the practices described in this policy.

For questions about this privacy policy or our data practices, please contact us at [email protected].

Information We Collect

Personal Information You Provide

We collect information you voluntarily provide when you:

• Register for or inquire about our courses
• Submit contact forms or request information
• Communicate with us via email or phone
• Participate in our educational programs

This information may include your name, email address, phone number, and any other details you choose to share in communications or course applications.

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• Browser type and version
• Device information and operating system
• IP address and general location data
• Pages visited and time spent on our website
• Referring website addresses

This information is collected through cookies and similar technologies. For more details, please see our Cookie Policy.

How We Use Your Information

We use the personal information we collect for the following purposes:

Service Delivery

• Processing course registrations and managing enrollments
• Delivering educational content and course materials
• Providing post-course support and guidance
• Scheduling individual consultation appointments

Communication

• Responding to your inquiries and requests
• Sending course information, updates, and reminders
• Providing relevant educational resources and market commentary
• Notifying you of changes to our services or policies

Service Improvement

• Analyzing website usage to improve user experience
• Gathering feedback to enhance course content and delivery
• Conducting research to develop new educational programs

Legal Compliance

We may use your information to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.

Legal Basis for Processing

Under Singapore's Personal Data Protection Act (PDPA), we process your personal data based on:

• Consent: When you provide information through contact forms or course registrations
• Contract: When processing is necessary to deliver our educational services
• Legitimate Interest: When processing is reasonably expected and necessary for our business operations, balanced against your privacy rights
• Legal Obligation: When required to comply with Singapore law

Data Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist in operating our website, conducting our business, or servicing you. These providers are contractually obligated to maintain confidentiality and use your information only for specified purposes.

Legal Requirements

We may disclose your information when required by law, regulation, legal process, or enforceable governmental request, or when necessary to protect our rights, property, or safety, or that of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction. You will be notified of any such change.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure server infrastructure and access controls
• Regular security assessments and updates
• Staff training on data protection and confidentiality
• Restricted access to personal information on a need-to-know basis

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. Specific retention periods include:

• Course Registration Data: Retained for the duration of your enrollment plus seven years for educational records
• Communication Records: Retained for three years from last contact
• Website Analytics: Retained for two years
• Financial Records: Retained for seven years as required by Singapore regulations

Your Rights

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

Right to Access

You have the right to request access to the personal information we hold about you.

Right to Correction

You may request correction of inaccurate or incomplete personal information.

Right to Withdraw Consent

Where processing is based on consent, you may withdraw your consent at any time. This will not affect the lawfulness of processing based on consent before withdrawal.

Right to Object

You may object to processing of your personal information for marketing purposes or where processing is based on legitimate interests.

How to Exercise Your Rights

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

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and analyze website usage. For detailed information about our use of cookies, including the types of cookies we use and how to manage your preferences, please refer to our Cookie Policy.

Third-Party Links

Our website may contain links to third-party websites for your convenience and information. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected information from someone under 18, we will take steps to delete that information promptly.

International Data Transfers

Your personal information is primarily processed and stored in Singapore. If we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy and applicable data protection laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Continued use of our services after changes indicates acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Supervisory Authority

If you believe we have not addressed your concerns adequately, you have the right to lodge a complaint with Singapore's Personal Data Protection Commission (PDPC):