Privacy Policy

1. Introduction

Verandi ("we", "us", "our") is committed to protecting the personal data of individuals who enquire about or participate in our reading-led financial education programmes. This Privacy Policy explains how we collect, use, retain, and protect personal data in connection with our programmes and this website.

Verandi operates from 105 Cecil Street, #19-03, The Octagon, Singapore 069534. This policy applies to all personal data collected through our website and through the programme enrolment process. Our programmes are designed for adults 40 years of age and above.

If you have questions about this policy or about how we handle your personal data, please contact us at [email protected].

2. Legal Basis and Governing Law

Verandi is a Singapore-registered entity. This policy is governed by and construed in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore, administered by the Personal Data Protection Commission (PDPC).

We process personal data on the following legal bases:

• With your consent, where you have voluntarily provided personal data via our contact or enrolment forms
• For the performance of a contract, where data is necessary to administer your programme enrolment
• For our legitimate interests in maintaining programme records and communicating about sessions

3. Personal Data We Collect

Data you provide directly

• Full name
• Email address
• Phone number (where provided voluntarily)
• Enquiry or message content
• Programme interest or enrolment details

Data collected automatically

• Cookie consent preferences (stored in your browser's localStorage)
• Anonymised analytics data (page views, session duration) where analytics cookies are accepted
• Standard web server log data (IP address, browser type, referral source)

Data retention

Enquiry data is retained for up to 12 months unless enrolment follows. Programme participant records are retained for up to 3 years for programme administration purposes, after which they are deleted or anonymised. Analytics data is retained in anonymised form in line with the analytics provider's standard retention schedule.

4. How We Use Your Personal Data

• To respond to enquiries about our reading programmes
• To administer programme enrolments and session scheduling
• To distribute reading materials and correspondence related to your cohort
• To communicate about programme scheduling changes or updates
• To maintain records required for programme administration
• To improve the quality and content of our programmes based on anonymised feedback

We do not use personal data for marketing purposes and do not send marketing communications. We do not share personal data with financial product providers, advertisers, or any commercial third parties.

5. Data Sharing

Verandi does not sell, rent, or trade personal data. Data may be shared only in the following limited circumstances:

• Service providers: We may share data with trusted third-party service providers (such as email delivery services) who process data on our behalf under strict data processing agreements.
• Legal obligations: We may disclose data where required by applicable Singapore law, regulation, or court order.
• Programme administration: Facilitators working with Verandi may access cohort membership information solely for the purpose of running sessions.

No personal data is shared with any financial institution, product provider, or commercial partner.

6. Data Protection Measures

• Personal data is stored on access-controlled servers within Singapore or in jurisdictions with equivalent data protection standards
• Access to personal data is restricted to Verandi staff with a legitimate need
• We review our data handling practices annually for PDPA compliance
• In the event of a data breach affecting your personal data, we will notify you and the PDPC in accordance with the PDPA's mandatory data breach notification requirements

7. Cookies

Our website uses cookies for essential functionality and, where consent is given, for anonymised analytics. Cookie preferences are stored in your browser's localStorage and can be managed at any time via our Cookie Policy page.

We use essential cookies (required for basic site function) and optional analytics cookies (to understand how visitors use the site). No marketing or advertising cookies are used.

8. Your Rights Under the PDPA

Under Singapore's Personal Data Protection Act, you have the right to:

• Access your personal data held by Verandi
• Correct inaccurate or incomplete personal data
• Withdraw consent to the processing of your personal data at any time
• Request deletion of your personal data, subject to any legal retention obligations
• Data portability where technically feasible

To exercise any of these rights, write to us at [email protected]. We will respond within 10 business days. You may also lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg.

9. Third-Party Links

This website may contain links to third-party websites, such as government information pages (MAS, CPF Board). Verandi is not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any site you visit.

10. Age Restriction

Verandi's programmes are designed for adults aged 40 and above. We do not knowingly collect personal data from anyone under the age of 18. If we become aware that personal data has been collected from a person under 18, we will delete it promptly.

11. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Material changes will be communicated via a notice on this page. Continued use of our website or programmes following an update constitutes acceptance of the revised policy. The "Last Updated" date at the top of this page indicates when the policy was most recently revised.

12. Contact

For any questions or requests relating to personal data, please contact:

Verandi
105 Cecil Street, #19-03, The Octagon, Singapore 069534
Email: [email protected]