Privacy Policy

This Privacy Policy describes how Paradigma ("we", "us", or "our") collects, uses, discloses, and protects your personal data when you interact with our website or engage our financial education services. We are committed to handling your personal data responsibly and in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

By using our website or contacting us, you acknowledge that you have read and understood this Policy.

1. Data Controller

Paradigma operates as the data controller for personal data collected through this website and our service engagements.

• Business name: Paradigma
• Address: 112 Robinson Road, #06-10, Singapore 068902
• Phone: +65 8615 4739
• Email: [email protected]

2. Personal Data We Collect

We collect only the information necessary to provide our services and respond to your enquiries. This may include:

Information you provide directly

• Full name and contact details (email address, phone number)
• Details you share in enquiry or contact forms
• Information shared during advisory or consultation sessions
• Financial circumstances and goals disclosed in the course of service delivery

Information collected automatically

• Browser type, device type, and operating system
• IP address and approximate geographic location
• Pages visited, time spent, and navigation patterns
• Referring URL and search terms used to find our website
• Cookie data (see our Cookie Policy)

3. How We Use Your Personal Data

We use your personal data for the following purposes:

• To respond to enquiries and communicate about our programmes
• To deliver the financial education services you have engaged
• To fulfil contractual obligations and process payments
• To personalise the educational content and advisory process
• To send service-related communications (session confirmations, materials, updates)
• To improve our website and understand how visitors interact with it
• To comply with applicable laws and regulatory requirements in Singapore

We do not use your personal data for unsolicited marketing communications without your consent. You may withdraw consent at any time by contacting us.

4. Legal Basis for Processing

We process your personal data on the following grounds:

• Consent — where you have provided explicit consent (e.g. submitting a contact form or agreeing to cookies)
• Contractual necessity — where processing is required to deliver a service you have engaged
• Legitimate interests — where we have a legitimate interest in improving our services and communicating with prospective clients, provided these interests do not override your rights
• Legal obligation — where we are required to process data to comply with Singapore law

5. Disclosure of Personal Data

We do not sell, rent, or trade your personal data. We may share information with the following parties only where necessary:

• Service providers — including website hosting, analytics, payment processing, and communication tools, each bound by appropriate data processing agreements
• Professional advisers — such as legal or accounting professionals, under obligations of confidentiality
• Regulatory or government authorities — where required by Singapore law or a valid legal process

Any third parties with whom we share data are required to handle it securely and in accordance with PDPA obligations.

6. International Data Transfers

Some of our service providers may process data outside Singapore. Where this occurs, we take reasonable steps to ensure that the recipient provides a standard of protection comparable to PDPA requirements, including through contractual protections.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. In general:

• Enquiry and contact data is retained for up to 24 months from the date of last contact
• Client programme data is retained for up to 5 years following service completion for professional record-keeping purposes
• Analytics data is retained as aggregated and anonymised information and is not linked to individuals after processing

When personal data is no longer required, we securely delete or anonymise it.

8. Your Rights Under the PDPA

Under the Personal Data Protection Act 2012, you have the following rights in relation to your personal data held by us:

• Access — request a copy of the personal data we hold about you
• Correction — request that inaccurate or incomplete data be corrected
• Withdrawal of consent — withdraw consent to the collection, use, or disclosure of your data at any time (subject to legal or contractual restrictions)
• Data portability — receive your data in a portable format where technically feasible

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

9. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures are reviewed and updated periodically.

While we take reasonable steps to secure your data, no transmission over the internet is completely secure. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.

10. Cookies

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

11. Links to Third-Party Websites

Our website may contain links to external websites that are not operated by us. We are not responsible for the privacy practices of those sites and encourage you to review their respective privacy policies.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be communicated through a notice on our website or directly to registered clients where applicable.

13. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

• Email: [email protected]
• Phone: +65 8615 4739
• Address: 112 Robinson Road, #06-10, Singapore 068902

You may also direct complaints regarding data protection matters to the Personal Data Protection Commission (PDPC) Singapore at www.pdpc.gov.sg.