Privacy Policy

Marbeth ("we", "us", "our") is committed to handling personal data responsibly and in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). This Privacy Policy describes how we collect, use, disclose, and protect personal data provided to us by individuals who enquire about or register for our educational programmes.

Please read this document carefully. By submitting your personal data to us, you acknowledge that you have read and understood this policy.

1. Who We Are

Marbeth is a financial education organisation based in Singapore, providing structured reading series and discussion-led workshops for adults aged 40 and above. Our registered place of business is 47 Tras Street, #03-12, Singapore 079010.

2. Personal Data We Collect

We collect personal data that you voluntarily provide to us when you:

• Submit an enquiry through our website contact form
• Register for one of our educational programmes
• Communicate with us by telephone or email
• Attend one of our sessions or events

The categories of personal data we may collect include:

• Your name and contact details (telephone number and email address)
• Information you include in the message field of our enquiry form
• Records of your attendance at our programmes
• Programme participation history and feedback you choose to share

We do not collect sensitive personal data such as identity card numbers, financial account details, or health information as part of our standard registration process.

3. How We Use Your Personal Data

3.1 Primary Purposes

We use your personal data to respond to your enquiries, process your programme registrations, send you information about sessions you have enrolled in, and communicate any changes to scheduling or programme content.

3.2 Secondary Purposes

With your consent, we may use your contact details to inform you of upcoming programmes, reading materials, or events that we consider relevant to your interests. You may withdraw this consent at any time by contacting us at the details provided below.

3.3 Administrative and Legal

We may also use your data to maintain internal records, comply with applicable laws and regulations, and address any disputes or concerns that arise in connection with your participation in our programmes.

4. Disclosure of Personal Data

We do not sell, rent, or trade your personal data to third parties. We may share your personal data with:

• Service providers who assist with our operations (such as website hosting or email communications), bound by confidentiality obligations
• Regulatory authorities or law enforcement agencies, where required by law
• Successor organisations in the event of a transfer of our educational activities, subject to equivalent privacy protections

Any third parties with whom we share data are required to handle it in a manner consistent with this policy and applicable Singapore law.

5. Retention of Personal Data

We retain personal data only for as long as is necessary to fulfil the purposes for which it was collected, or as required by applicable law. Enquiry records are generally retained for up to two years. Programme participation records may be retained for up to seven years for administrative purposes.

When personal data is no longer needed, we will securely destroy or anonymise it.

6. Protection of Personal Data

We implement reasonable organisational and technical measures to protect the personal data we hold from unauthorised access, loss, misuse, alteration, or disclosure. Access to personal data is restricted to staff members who require it in the course of their responsibilities.

While we take these precautions seriously, no transmission of data over the internet can be considered entirely without risk. We encourage you to take care when sharing personal information through any online channel.

7. Cookies and Website Analytics

Our website may use cookies and similar tracking technologies to understand how visitors interact with our pages and to improve the browsing experience. For full details of how we use cookies, please refer to our Cookie Policy.

You may adjust your browser settings to decline cookies, though this may affect certain functions of the website.

8. Access and Correction

Under the PDPA, you have the right to request access to the personal data we hold about you, and to request correction of any inaccuracies. To make such a request, please contact us in writing at the address or email below. We will respond within 30 days, or notify you if additional time is required.

We may charge a reasonable administrative fee for access requests in accordance with applicable guidelines.

9. Withdrawal of Consent

You may withdraw consent for us to use your personal data at any time by contacting us. Please note that withdrawal of consent may affect our ability to provide you with programme information or related services. It will not affect any obligations you have already incurred.

10. Links to Other Websites

Our website may contain links to external websites operated by third parties. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies independently.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The updated version will be published on this page with a revised effective date. We encourage you to review this page periodically.

12. Contact Us

If you have questions about this Privacy Policy, wish to make an access or correction request, or wish to raise a concern, please contact us:

• By post: 47 Tras Street, #03-12, Singapore 079010
• By telephone: +65 6738 2496
• By email: [email protected]

You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) of Singapore if you believe your personal data has been handled in a manner that is inconsistent with the PDPA.