Privacy Policy

Introduction

Threshold Finance ("we," "us," "our") is committed to protecting your privacy and handling your personal data with care and transparency. This Privacy Policy explains how we collect, use, store, and protect information about you when you use our educational services or interact with our website.

We operate in accordance with Singapore's Personal Data Protection Act (PDPA) and maintain high standards for data protection. This policy applies to all participants in our educational programs and visitors to our website.

Data Collection Information

What Personal Data We Collect

We collect information that you provide directly when enrolling in courses or contacting us:

• Name and contact information (email address, phone number)
• Demographic information relevant to course delivery
• Educational background and learning goals
• Payment information for course enrollment
• Communications you send to us

How We Collect Data

We collect personal data through:

• Course enrollment forms and inquiries
• Contact forms on our website
• Email and phone communications
• Cookies and similar technologies on our website
• Analytics tools to understand website usage

Legal Basis for Processing

We process your personal data based on:

• Consent: When you provide explicit consent for course enrollment or marketing communications
• Contract performance: To deliver educational services you've enrolled in
• Legitimate interests: To improve our educational offerings and communicate about relevant opportunities
• Legal obligations: To comply with applicable laws and regulations

Data Retention Periods

We retain your personal data for different periods depending on the purpose. Course enrollment records are maintained for seven years after course completion. Marketing consent records are kept until you withdraw consent. Financial records are retained as required by Singapore tax regulations. We regularly review stored data and delete information when no longer necessary.

Data Usage Explanation

How We Use Your Personal Data

We use collected information to:

• Deliver educational services and communicate about your courses
• Process enrollment and payment
• Respond to inquiries and provide customer support
• Send information about courses and programs that may interest you
• Improve our educational content and service delivery
• Comply with legal and regulatory requirements

Data Sharing with Third Parties

We share personal data only when necessary and with appropriate safeguards:

• Service providers: Payment processors, email service providers, and website hosting companies that help deliver our services
• Professional advisors: Lawyers, accountants, and auditors when required for business operations
• Legal requirements: Authorities when required by law or to protect legal rights

We do not sell your personal data to third parties. All service providers are contractually bound to protect your information and use it only for specified purposes.

Marketing Communications

With your consent, we may send information about courses, educational content, and updates. You can opt out of marketing communications at any time using the unsubscribe link in emails or by contacting us. Opting out does not affect communications necessary for course delivery.

Data Protection Measures

Security Practices

We implement appropriate technical and organizational measures to protect personal data:

• Encryption of data in transit and at rest
• Secure server infrastructure with regular security updates
• Access controls limiting data access to authorized personnel
• Regular security assessments and monitoring
• Staff training on data protection responsibilities

Data Breach Procedures

In the unlikely event of a data breach affecting your personal information, we will notify you and the Personal Data Protection Commission of Singapore as required by law. Notifications will include information about the breach, potential impact, and steps we're taking to address it.

Cookie Information

Our website uses cookies and similar technologies to improve functionality and understand usage patterns. Cookies are small text files stored on your device.

Types of Cookies We Use

• Essential cookies: Necessary for website functionality
• Analytics cookies: Help us understand how visitors use our site
• Preference cookies: Remember your settings and choices

For detailed information about cookie management, please see our Cookie Policy.

Your Rights

Under Singapore's Personal Data Protection Act, you have the following rights regarding your personal data:

Access and Correction

You have the right to request access to personal data we hold about you and to request corrections if information is inaccurate or incomplete.

Data Portability

You can request a copy of your personal data in a structured, commonly used format.

Withdrawal of Consent

You may withdraw consent for data processing at any time. This does not affect processing that occurred before withdrawal.

Objection and Restriction

You can object to certain types of data processing and request restriction of processing in specific circumstances.

How to Exercise Your Rights

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

Third-Party Links

Our website may contain links to external sites. We are not responsible for the privacy practices of these third-party websites. We encourage you to review their privacy policies when visiting external links.

Children's Privacy

Our services are intended for adults aged 18 and above. We do not knowingly collect personal data from individuals under 18. If we become aware of such collection, we will delete the information promptly.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or prominent notice on our website. The "Last Updated" date at the top indicates when the policy was last revised.