Privacy Policy

1. Who We Are

Crestmont is a financial education practice based in Singapore. Our registered business address is 77 High Street, #09-06, High Street Centre, Singapore 179433. You may contact us regarding privacy matters at [email protected] or by telephone at +65 6592 8437.

2. The Personal Data We Collect

We may collect the following categories of personal data when you use our website or engage with us:

• Contact information: your name, email address, and telephone number, provided when you submit an enquiry through our contact form or reach out to us directly
• Correspondence: the content of messages you send to us, and records of our replies
• Programme participation data: records of programmes you have enrolled in or enquired about
• Website usage data: information collected automatically when you browse our website, including IP address, browser type, pages visited, and time spent on each page, collected via analytics tools where you have consented to their use

We do not collect sensitive personal data such as national identification numbers, financial account details, or health information through our website.

3. How We Use Your Personal Data

We use the personal data you provide for the following purposes:

• To respond to your enquiries and communicate with you about our programmes
• To administer your participation in a programme, including sending session schedules and materials
• To improve the quality of our website and programmes based on aggregated usage patterns
• To comply with our legal and regulatory obligations under Singapore law

We do not use your personal data for automated decision-making or profiling, and we do not use it to send you unsolicited marketing communications unless you have explicitly requested to hear from us.

4. Legal Basis for Processing

We process your personal data on the following bases:

• Your consent, where you have voluntarily submitted a contact form or agreed to the use of analytical cookies
• Performance of a contract, where processing is necessary to administer your programme participation
• Compliance with a legal obligation, where applicable under Singapore law
• Our legitimate interests, such as maintaining accurate records and improving our services, where these interests are not overridden by your rights

5. How We Share Your Data

We do not sell, rent, or share your personal data with third parties for commercial purposes. We may disclose data in the following limited circumstances:

• To service providers who support the operation of our website or administrative systems, under appropriate data processing agreements
• To comply with a legal obligation, court order, or lawful request from a public authority

Any service providers we engage are required to handle your data with the same standard of care we apply ourselves.

6. Retention of Personal Data

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy or as required by law. Enquiry records are typically retained for up to two years. Programme participation records are retained for up to seven years in accordance with standard business record-keeping practices. You may request deletion of your data at any time, subject to our legal obligations.

7. Your Rights Under the PDPA

Under Singapore's Personal Data Protection Act 2012 (PDPA), you have the right to:

• Request access to the personal data we hold about you
• Request correction of any inaccurate or incomplete personal data
• Withdraw your consent to the collection, use, or disclosure of your personal data, subject to reasonable notice

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

8. Cookies and Tracking

Our website uses cookies to support basic functionality and, where you have consented, to collect aggregated usage data that helps us improve the site. You may withdraw or decline consent for non-essential cookies via the cookie banner presented on your first visit. For full details, please refer to our Cookie Policy.

9. Data Security

We take reasonable technical and organisational measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. However, no method of data transmission over the internet is entirely secure, and we cannot guarantee absolute security.

10. Third-Party Websites

Our website may contain links to third-party websites. This Privacy Policy applies only to our own website. We encourage you to review the privacy policies of any third-party sites you visit.

11. 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 date at the top of this page will always indicate when the policy was last revised. Continued use of our website following any update constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

• Email: [email protected]
• Phone: +65 6592 8437
• Post: 77 High Street, #09-06, High Street Centre, Singapore 179433

If you are not satisfied with our response, you may refer your concern to the Personal Data Protection Commission of Singapore at www.pdpc.gov.sg.