Privacy Policy
1. Introduction
Sapient Edge ("we", "our", or "us"), operating from 9 Straits View, #06-07, Marina One West Tower, Singapore 018937, is committed to protecting the privacy of individuals who interact with our services. This Privacy Policy describes how we collect, use, store, disclose, and protect personal data in accordance with the Singapore Personal Data Protection Act 2012 (PDPA).
This policy applies to all information collected through our website at sapiente.info, and during the delivery of our financial education programmes. By submitting information through our website or engaging our services, you consent to the practices described in this policy.
For questions about this policy or how we handle your data, contact us at [email protected].
2. Personal Data We Collect
We collect personal data that you provide directly to us, as well as data gathered automatically when you use our website.
2.1 Data You Provide
- Contact information: Name, email address, and phone number provided through our enquiry form.
- Financial information: Income, expense, asset, and liability data provided as part of our diagnostic and advisory programmes. This data is provided voluntarily and used solely for service delivery.
- Communications: Content of emails, messages, or notes shared with us during programme delivery.
2.2 Data Collected Automatically
- Usage data: Pages visited, time on site, browser type, and referring URL — collected via analytics tools.
- Cookies: Small files stored on your device. See our Cookie Policy for full details.
2.3 Legal Basis for Processing
We process your personal data on the following bases:
- Consent: You consent by submitting a form or enrolling in a programme.
- Contractual necessity: Delivery of our services requires processing the data you provide for programme purposes.
- Legitimate interests: Improving our services, maintaining records, and responding to enquiries.
3. How We Use Your Data
- Responding to enquiries and scheduling introductory calls.
- Delivering the financial education programmes you have enrolled in.
- Preparing written assessments, frameworks, and strategy documents.
- Sending programme-related communications and scheduling session reminders.
- Improving our website and programme content through aggregated, anonymised analytics.
- Maintaining internal records for quality review and compliance purposes.
We do not use your personal data for automated decision-making, profiling, or targeted advertising.
3.1 Data Retention
Contact form submissions are retained for 24 months from last contact. Programme records, including written assessments and strategy documents, are retained for 5 years from programme completion. Financial information shared during assessments is deleted upon programme completion unless you request otherwise.
4. Data Sharing
We do not sell, rent, or trade personal data. We may share data in the following limited circumstances:
- Service providers: We use third-party tools for scheduling, secure document storage, and analytics. These providers are bound by data processing agreements and cannot use your data for any other purpose.
- Legal requirements: Where required by applicable law, court order, or regulatory authority.
5. Data Protection Measures
- All data transmitted through our website is encrypted using TLS.
- Financial information shared during programmes is stored in access-controlled systems with restricted practitioner access.
- Internal data handling is governed by documented procedures reviewed annually.
- In the event of a data breach affecting your personal data, we will notify you and the relevant authority within the timeframes required by Singapore's PDPA.
6. Cookies
Our website uses cookies to maintain session functionality and gather anonymised analytics. You can manage your cookie preferences via our Cookie Policy page. Essential cookies cannot be disabled without affecting basic site functionality.
7. Your Rights
Under Singapore's PDPA, you have the following rights regarding your personal data held by Sapient Edge:
- Right to access: Request a copy of personal data we hold about you.
- Right to correction: Request correction of inaccurate or incomplete data.
- Right to withdraw consent: Withdraw consent for non-essential processing at any time, without affecting the lawfulness of prior processing.
- Right to lodge a complaint: You may contact the Personal Data Protection Commission (PDPC) at pdpc.gov.sg if you believe your data rights have not been respected.
To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of external sites. We recommend reviewing the privacy policy of any third-party site before submitting personal data.
9. Age Restrictions
Our services are intended for individuals aged 18 and above. We do not knowingly collect personal data from persons under 18. If we become aware that a minor has submitted data through our website, we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, the revised date at the top of this page will be updated. Where changes are material, we will notify active clients via email. Continued use of our services following notification constitutes acceptance of the updated policy.