This Privacy Policy explains how Finlore ("we", "us", "our") collects, uses, discloses, and protects the personal data of individuals who interact with our website at finlorex.biz and who engage with our financial education programmes (collectively, the "Services"). We are committed to managing personal data in accordance with the Personal Data Protection Act 2012 (Singapore) ("PDPA") and other applicable data protection obligations.
1. Who We Are
Finlore is a financial education provider incorporated in Singapore. Our registered address is 168 Robinson Road, #11-08, Capital Tower, Singapore 068912. For data-related enquiries, you may contact us at [email protected] or by telephone at +65 6473 9258.
2. Personal Data We Collect
We collect personal data in the following circumstances:
2.1 When you contact us or enquire about a programme
- Name and contact details (email address, telephone number)
- The nature of your enquiry and any details you choose to share about your financial situation or personal circumstances
- Your employment pass type or residency status, where relevant to programme eligibility
2.2 When you enrol in a programme
- Full name, date of birth, and nationality
- Billing and payment information (processed via a third-party payment provider; we do not store card details)
- Information shared during programme sessions, assessments, or written communications
2.3 When you visit our website
- Device and browser information, IP address, and usage data collected via cookies and analytics tools
- Referral source and pages visited
We do not collect sensitive personal data (such as race, religion, health, or financial account details) unless you voluntarily provide it in the course of a programme advisory session, in which case it is treated with additional care and used solely for programme delivery.
3. How We Use Your Personal Data
We use the personal data we collect for the following purposes:
- To respond to your enquiries and provide information about our programmes
- To administer your enrolment, deliver programme sessions, and provide follow-up support
- To process payments and issue receipts
- To improve our website, programmes, and communications
- To comply with applicable legal and regulatory obligations
- To send relevant programme updates or information about related Finlore offerings, where you have consented or where we have a legitimate interest to do so
We will not use your personal data for purposes other than those described above without first obtaining your consent or where otherwise permitted by law.
4. Disclosure of Personal Data
We do not sell or rent your personal data to any third party. We may share your personal data with:
- Service providers who assist in our operations, including payment processors, email platforms, and website analytics services — who are contractually required to protect the data and use it only for specified purposes
- Professional advisors such as legal counsel, auditors, or insurers, where necessary
- Regulatory authorities if required by law, court order, or other legal process
Where we transfer personal data outside Singapore, we take steps to ensure that the recipient provides an adequate level of data protection in accordance with the PDPA.
5. Retention of Personal Data
We retain personal data for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. Enquiry data is typically retained for 12 months from last contact. Programme participant data is retained for up to 5 years following the end of the programme, after which it is securely deleted or anonymised.
6. Data Security
We implement reasonable organisational and technical measures to protect personal data against unauthorised access, disclosure, alteration, or loss. Session notes and advisory documents are stored on access-controlled systems. Payment processing is handled by PCI-compliant third-party providers.
No method of transmission over the internet is completely secure. If you have reason to believe that your interaction with us is no longer secure, please notify us promptly.
7. Cookies
Our website uses cookies and similar technologies for analytics and functionality purposes. Please refer to our Cookie Policy for full details, including how to manage your cookie preferences.
8. Your Rights Under the PDPA
Under the PDPA, you have the right to:
- Request access to the personal data we hold about you
- Request correction of inaccurate or incomplete personal data
- Withdraw consent for the use of your personal data for marketing purposes at any time
- Request that we cease using your personal data in ways that may cause harm to you
To exercise any of these rights, please write to us at [email protected]. We will respond within 30 days. In certain circumstances, we may be unable to fulfil a request — for example, where retention is required by law — and we will explain the reason at that time.
9. Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices of those sites and encourage you to review their respective privacy policies.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be communicated via a notice on our website. The date of the most recent revision appears at the top of this page.
11. Contact Us
For any questions or concerns regarding this Privacy Policy or our handling of your personal data, please contact:
Finlore — Data Protection Officer
168 Robinson Road, #11-08, Capital Tower, Singapore 068912
Email: [email protected]
Tel: +65 6473 9258