Privacy Policy

This Privacy Policy describes how Novaledger ("we", "us", or "our") collects, uses, discloses, and protects your personal data when you visit our website or interact with our services. This policy is drafted in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

By using our website or registering for a programme, you acknowledge that you have read and understood this policy.

1. Who We Are

Novaledger is a financial education provider registered and operating in Singapore. Our registered address is 3 Church Street, #25-01, Samsung Hub, Singapore 049483. You may contact us at [email protected] or by telephone at +65 6381 7249.

2. Personal Data We Collect

We may collect the following categories of personal data:

• Identification data: full name, NRIC or passport number (where required for programme registration)
• Contact data: email address, telephone number, mailing address
• Enquiry and correspondence data: messages submitted via our contact form, email correspondence
• Programme participation data: attendance records, workbook submissions, feedback responses
• Technical data: IP address, browser type and version, pages visited, session duration, referring URL
• Financial data: payment method and transaction records (processed via our payment partner; we do not store card details)

We collect only what is necessary for the purposes described below. You are not required to provide personal data to browse our website, though certain features (such as the contact form) require it.

3. How We Collect Personal Data

We collect personal data through the following channels:

• Directly from you when you complete and submit our contact form
• Directly from you when you register for a programme by telephone or email
• Automatically via cookies and similar tracking technologies when you visit our website (see our Cookie Policy)
• From our analytics service provider, in aggregated and pseudonymised form

4. Purposes for Which We Use Personal Data

We use your personal data for the following purposes:

• To respond to enquiries submitted through our contact form or by telephone
• To process programme registrations and manage participant records
• To deliver programme content, send session reminders, and provide post-programme support
• To process payments for programmes
• To send programme-related updates, schedule changes, and follow-up communications
• To send marketing communications, where you have provided consent
• To analyse website usage and improve the quality of our content and user experience
• To comply with applicable legal and regulatory obligations

We will not use your personal data for purposes materially different from those described above without first seeking your consent or where we are otherwise permitted by law.

5. Legal Basis for Processing

Under the PDPA, we process personal data on one or more of the following bases:

• Consent: where you have voluntarily provided your data and agreed to its use for the stated purpose
• Contractual necessity: where processing is required to fulfil a registration or service agreement with you
• Legitimate interests: where we have a reasonable business interest that does not override your rights (for example, website analytics)
• Legal obligation: where we are required to process data to comply with applicable law

6. Disclosure of Personal Data

We do not sell, rent, or trade your personal data. We may share it with the following third parties only to the extent necessary:

• Payment processors, to facilitate secure transaction processing
• Email and communication service providers, to deliver programme-related correspondence
• Website analytics providers, to help us understand website usage patterns
• Government bodies or law enforcement agencies, where required by law or in response to a valid legal request

Where we engage third-party data processors, we ensure that appropriate contractual safeguards are in place to protect your data and require that it be used only for specified, permitted purposes.

7. Retention of Personal Data

We retain personal data for as long as it is necessary to fulfil the purposes for which it was collected, or as required by applicable law. Enquiry data where no programme registration follows is typically retained for twelve months. Programme participant records are retained for a minimum of five years for administrative and audit purposes. You may request deletion at any time, subject to any overriding legal obligation.

8. Security of Personal Data

We implement reasonable technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration, or destruction. These measures include access controls, encrypted transmission (HTTPS), and periodic review of our data handling practices. While we take reasonable precautions, no method of transmission over the internet is entirely secure, and we cannot warrant absolute security.

9. Your Rights Under the PDPA

Subject to applicable exceptions under the PDPA, you have the right to:

• Request access to personal data we hold about you
• Request correction of inaccurate or incomplete personal data
• Withdraw consent to the use of your personal data (where processing is based on consent), without affecting the lawfulness of prior processing
• Request that we cease or limit the use of your data in certain circumstances
• Lodge a complaint with the Personal Data Protection Commission (PDPC) if you believe we have handled your data contrary to the PDPA

To exercise any of these rights, please contact us at [email protected]. We will respond within the timeframe prescribed by the PDPA (generally 30 days).

10. Cookies

Our website uses cookies and similar technologies to improve functionality and understand usage. For full details of the cookies we use, the purposes they serve, and how to manage your preferences, please refer to our Cookie Policy.

11. Third-Party Links

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

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable law. The revised version will be posted on this page with an updated date. We encourage you to review this policy periodically. Continued use of our website following any update constitutes acceptance of the revised terms.

13. Contact Us

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