Privacy Policy

1. Data Controller

The data controller responsible for your personal data is:

Opulentra
38 Beach Road, #05-11, South Beach Tower
Singapore 189767
Phone: +65 9362 7184
Email: [email protected]

2. Personal Data We Collect

We may collect the following categories of personal data:

• ◆ Identity data: name, title, date of birth
• ◆ Contact data: email address, telephone number, mailing address
• ◆ Financial profile data: general information about your financial situation shared during consultations (not account credentials or sensitive banking data)
• ◆ Communication data: correspondence conducted via email, telephone, or our contact form
• ◆ Technical data: IP address, browser type, referring pages, and cookie identifiers collected automatically when you visit our website
• ◆ Transaction data: records of services purchased and payment confirmations

3. How We Collect Personal Data

We collect personal data through the following means:

• ◆ Information you submit via our website contact form or enquiry channels
• ◆ Communications exchanged during the service engagement process
• ◆ Automatic collection via cookies and server logs when you visit our website
• ◆ Referrals from third parties, where permitted and disclosed

4. Purposes of Processing

We process your personal data for the following purposes:

• ◆ Responding to enquiries and scheduling consultations
• ◆ Delivering the educational services you have enrolled in
• ◆ Administering follow-up communications and check-in sessions as part of a programme
• ◆ Processing payments and maintaining financial records
• ◆ Improving our website and service offerings
• ◆ Complying with legal obligations applicable in Singapore
• ◆ Sending relevant updates or information, where you have provided consent

5. Legal Basis for Processing

Under the PDPA, we rely on the following bases to process your data: your consent (given at the point of enquiry or enrolment), the performance of a contract for services you have requested, compliance with legal obligations, and our legitimate interests in operating and improving our business — where these do not override your rights.

6. Disclosure of Personal Data

We do not sell or rent your personal data. We may share it with carefully selected third parties only as necessary:

• ◆ Payment processors facilitating transactions on our behalf
• ◆ Technology service providers hosting our website and communications infrastructure
• ◆ Professional advisors (legal, accounting) bound by confidentiality obligations
• ◆ Regulatory or law enforcement bodies where required by applicable law

All third parties are required to handle your data securely and in compliance with Singapore's PDPA.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purpose for which it was collected, or as required by law. Client engagement records are typically retained for seven years following the conclusion of a programme. Website analytics data is retained for up to twenty-four months. When data is no longer required, it is securely deleted or anonymised.

8. Security

We maintain appropriate technical and organisational measures to protect your personal data from unauthorised access, disclosure, alteration, or destruction. These include encrypted communications, access controls, and regular review of our data-handling practices. While we take these obligations seriously, no method of transmission over the internet is entirely without risk.

9. Your Rights

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 processing where consent was the original basis
• ◆ Request that we cease or limit use of your personal data in certain circumstances

To exercise any of these rights, please contact us at [email protected]. We will respond within the timeframe required by applicable law.

10. Cookies

Our website uses cookies to enhance your browsing experience and collect aggregate analytics data. For details on the types of cookies used and how to manage your preferences, please refer to our Cookie Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The effective date at the top of this page will be revised accordingly. Continued use of our website or services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or the handling of your personal data, please reach out: