Privacy Policy

1. Who We Are

Bintang Capital is a financial education practice registered in Singapore. We offer structured learning programmes for adults who wish to understand their personal financial position more clearly, particularly those planning for retirement.

Our registered address is 50 Raffles Place, #22-04, Singapore 048623. For data-related enquiries, you may contact us at [email protected] or by telephone at +65 8427 1963.

2. Information We Collect

We collect personal information only when you choose to provide it — for example, when you submit an enquiry form, register for a programme, or communicate with us by email or telephone.

The types of information we may collect include:

• •Your name and contact details (email address, telephone number)
• •Your enquiry or message content
• •Programme enrolment details and payment records
• •Technical information collected automatically when you visit our website (see Section 5)

We do not request or store sensitive personal information such as identity card numbers, income records, or CPF statements.

3. How We Use Your Information

Information you provide is used solely to:

• •Respond to your enquiries and provide programme information
• •Process enrolments and administer your participation in our courses
• •Send you course materials and relevant programme communications
• •Maintain records as required for accounting and compliance purposes

We do not use your information for unsolicited marketing, nor do we share it with third parties for their own promotional purposes.

4. Legal Basis for Processing

Our processing of personal data is conducted in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore. We collect and process personal information on the following bases:

• •Consent — where you have provided information voluntarily through a form or direct communication
• •Contractual necessity — where processing is required to fulfil a programme enrolment or service commitment
• •Legitimate interests — where processing supports the ordinary running of our organisation, such as internal records and correspondence

5. Website Analytics and Cookies

Our website uses cookies and similar technologies to understand how visitors use the site. This may include anonymised data about page visits, session duration, and device type. No personally identifiable information is collected through analytics alone.

You may manage your cookie preferences at any time. For a full explanation of the cookies we use and how to adjust your settings, please read our Cookie Policy.

6. Sharing of Information

We do not sell personal information to any third party. We may share limited information with trusted service providers who assist us in operating our website or delivering our programmes — for example, email delivery services or payment processors. Such providers are required to handle your data in accordance with applicable law and our instructions.

We may also disclose information if required to do so by law or in response to a valid legal request from a competent authority.

7. Retention of Data

We retain personal information for as long as it is reasonably necessary for the purpose for which it was collected, or as required by applicable law. Enrolment records are typically retained for up to five years following the conclusion of a programme. Enquiry data not resulting in enrolment is removed within twelve months of the last communication.

8. Your Rights

Under the PDPA and related regulations, you have the right to:

• •Request access to the personal data we hold about you
• •Request correction of inaccurate or incomplete data
• •Withdraw consent for processing where consent was the basis for collection
• •Request that we cease use of your personal data in specified circumstances

To exercise any of these rights, please contact us at [email protected]. We will respond within a reasonable period, and in any event within thirty days of receiving your request.

9. Security Measures

We take reasonable steps to protect personal information from unauthorised access, disclosure, or modification. These include administrative controls, access restrictions, and standard encryption for data in transit. No transmission method over the internet is entirely without risk, and we cannot warrant absolute security; however, we handle personal information with care and act promptly to address any identified concerns.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The most current version will always be available on this page. Where a change is material, we will take reasonable steps to inform affected individuals.