Privacy Policy

1. About This Policy

Financial Perspectives Pte Ltd ("Financial Perspectives", "we", "us", or "our") is a professional training and continuing education provider incorporated in Singapore. We are committed to protecting the personal data of our participants, clients, and stakeholders in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you interact with us through our website (www.fp-edu.com), registration portals, learning management systems, events, and other channels. Where consent is required, we will request it separately and explain the relevant purpose before or when we collect the personal data.

2. Who We Are

3. Personal Data We Collect

We collect personal data that is necessary to deliver our training programmes, certification support, and related services. This may include:

3.1 Identity and Contact Information

• Full name, NRIC/FIN, or passport number (strictly collected and processed only where necessary and mandated to comply with government funding requirements, including SkillsFuture Singapore (SSG) claims, IBF-STS/FTS subsidies, and official CPD/regulatory records verification).
• Date of birth, nationality, and gender.
• Mailing address, email address, and contact numbers.
• Employer name, job title, and professional designation.

3.2 Financial and Payment Information

• Bank account or payment card details for course fee processing.
• SkillsFuture Credit account information (where applicable).
• IBF-STS or FTS funding claims and supporting documentation.

3.3 Academic and Professional Records

• Educational qualifications and professional certifications (e.g., CFP, SCFP, MFA).
• Examination scores, assessment results, and CPD hours earned.
• Attendance records and e-learning progress data.

3.4 Technical and Usage Data

• IP address, browser type, and device information.
• Log-in activity on our LMS and web portals.
• Cookies and session data (see Section 9).

3.5 Communications and Feedback

• Email correspondence and enquiry submissions.
• Survey responses, testimonials, and course evaluations.
• Event registration details and participation records.

4. How We Use Your Personal Data

We use your personal data for the following purposes:

• To process your registration and enrolment in our courses and programmes.
• To administer examinations, assessments, and certification processes.
• To process payments and manage billing, including IBF-STS/FTS subsidy claims.
• To issue certificates, CPD records, and continuing education transcripts.
• To communicate course schedules, updates, and course-related notices.
• To send marketing and promotional materials about our programmes through the communication channels you have agreed to, or where otherwise permitted by law.
• To comply with regulatory obligations under the Monetary Authority of Singapore (MAS), Institute of Banking and Finance (IBF), SkillsFuture Singapore (SSG), and relevant Singapore laws.
• To improve our website, LMS platforms, and service offerings.
• To conduct research, analytics, and reporting on programme effectiveness.
• To respond to enquiries, feedback, and complaints.
• To protect the integrity and security of our systems and services.

Note on Third-Party Data: Where you provide us with personal data of other individuals (e.g., your employees or sponsored colleagues), you represent and warrant that you have obtained the necessary consent from these individuals or are otherwise legally authorized to disclose their data to us for the purposes listed above.

5. Disclosure of Personal Data

We do not sell your personal data. We may disclose personal data to the following categories of recipients where necessary for a notified purpose, to provide our services, with your consent, or as required or permitted by law:

5.1 Regulatory and Accreditation Bodies

• Institute of Financial Wellbeing (IFW) / Institute of Banking and Finance (IBF) – for CFP/SCFP certification and CPD records.
• SkillsFuture Singapore (SSG) / Workforce Singapore (WSG) – for funding, auditing, and grant claims.
• Monetary Authority of Singapore (MAS) – where required or authorized by law.

5.2 Service Providers and Partners

• Payment processors and banking institutions.
• Learning Management System (LMS) providers.
• Email delivery, marketing, and communication platforms.
• Event management and venue operators.
• IT support, hosting, and cloud infrastructure providers.
• Website analytics and advertising measurement providers, including Google and Meta, only where you have allowed the relevant optional cookies.

5.3 Professional Bodies and Employers

• Professional certification bodies, upon request or with your explicit consent.
• Your employer, where course fees, attendance, or performance are sponsored or funded by the employing organisation.

We assess service providers and put appropriate contractual, organisational, or technical safeguards in place according to the nature of the service and personal data involved.

6. International Transfers

Some of our service providers may process or store personal data outside Singapore. Where we transfer personal data overseas, we take reasonable steps to ensure that the recipient is bound by legally enforceable obligations or other safeguards that provide a standard of protection comparable to the PDPA. These safeguards may include contractual data-protection terms, access controls, encryption, and reviews of the provider's security and privacy practices.

7. Data Retention

We retain personal data only for as long as it remains necessary for a business or legal purpose. The periods below describe our general approach and may be extended where a law, accreditation requirement, audit, dispute, or investigation requires it:

8. Your Rights Under the PDPA

Under the PDPA, you have the following rights with respect to your personal data:

8.1 Right of Access

You may request access to the personal data we hold about you and information about how we have used or disclosed it within the past year. We will respond to access requests within 30 days, or inform you in writing if more time is required.

8.2 Right of Correction

If you believe any personal data we hold about you is inaccurate, outdated, or incomplete, you may request a correction. We will update our records accordingly, subject to identity verification.

8.3 Right to Withdraw Consent

Where our processing is based on your consent, you have the right to withdraw that consent at any time. Please note that withdrawing consent for certain necessary processing (such as SSG funding verification) may affect or restrict our ability to continue providing our services to you.

8.4 Complaints and Questions

If you believe your personal data has been mishandled, we encourage you to contact our Data Protection Officer directly. You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg.

To exercise any of the rights listed above, please contact our DPO at enquiries@fp-edu.com with the subject line "Data Subject Request".

9. Cookies and Tracking Technologies

Our website and learning portals use cookies and similar tracking technologies to enhance your experience. These include:

• Essential cookies: Required for the website and LMS to function properly.
• Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics).
• Marketing cookies: Used with your consent to measure advertising visits and successful enquiries through tools such as the Meta Pixel. Our current website configuration does not intentionally send enquiry-form details to Meta or enable automatic matching of form fields.

Optional analytics and marketing cookies are disabled unless you allow them. You can change your selection at any time using Cookie settings. You may also control cookies through your browser settings.

10. Data Security

Financial Perspectives implements appropriate technical, physical, and administrative measures to protect your personal data from unauthorised access, collection, use, disclosure, copying, modification, disposal, or loss. These include:

• Secure Sockets Layer (SSL) encryption for data transmission.
• Password-protected access to internal systems and LMS platforms.
• Role-based access controls and detailed audit logs.
• Regular security assessments and staff training on data protection obligations.

While we take reasonable precautions, no data transmission over the internet or method of electronic storage is entirely secure. We cannot guarantee the absolute security of data transmitted to or from our platforms.

We maintain processes to assess suspected data incidents. Where a breach is notifiable under the PDPA, we will notify the Personal Data Protection Commission and affected individuals within the applicable statutory timeframes.

11. Marketing Communications

Where you have provided marketing consent, we may send information about upcoming programmes, CPD events, certification intakes, and relevant industry updates through the channels stated when consent was collected, which may include email, telephone, SMS, or WhatsApp. We comply with applicable Do Not Call and electronic-marketing requirements and keep marketing consent separate from service enquiries. You may withdraw marketing consent at any time by:

• Clicking the "Unsubscribe" link in any marketing email.
• Emailing us at enquiries@fp-edu.com with the subject line "Unsubscribe".
• Using the opt-out method provided in an SMS or WhatsApp marketing message, where applicable.

We will process your request promptly and within any deadline required by applicable law. Service, transactional, and administrative communications (e.g., responses to your enquiry, enrolment confirmations, payment receipts, exam schedules, and certification notices) may still be sent where necessary to provide the service you requested.

12. Third-Party Links

Our website and materials may contain links to third-party websites, including partner organisations, certification bodies, and regulatory agencies. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Children's Data

Our training programmes and services are intended for working professionals and adults. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently collected such data, please contact us promptly so we can take appropriate action.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements under the PDPA. The updated Policy will be posted on our website with a revised "Last Updated" date. Where a material change introduces a new purpose that requires consent, we will provide an appropriate notice and obtain consent before using personal data for that purpose.

15. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or how we handle your personal data, please contact our Data Protection Officer: