Privacy Policy
Last Updated: 2 April 2026 · Ledgerwise Pte. Ltd. · Singapore
1. Introduction
Ledgerwise Pte. Ltd. ("Ledgerwise", "we", "us") is committed to protecting the personal data of individuals who interact with our programmes and website. This Privacy Policy describes what data we collect, how we use it, how we protect it, and the rights you have in relation to it.
This policy applies to all personal data collected through our website at ledgerwi.live, during programme enrolment, and in the course of delivering our financial education services. It is written in accordance with Singapore's Personal Data Protection Act 2012 (PDPA).
For data-related enquiries, contact us at: [email protected]
2. Data We Collect
2.1 Information You Provide
When you submit an enquiry form, enrol in a programme, or contact us directly, we may collect:
- Full name
- Email address
- Phone number
- Message content or enquiry details
- Programme preferences and enrolment information
2.2 Automatically Collected Information
When you visit our website, we may collect technical data including browser type, IP address, pages visited, and session duration through analytics tools. This information is collected in aggregate form and is not linked to identifiable individuals unless you have provided your identity through a form.
2.3 Legal Basis for Processing
We process your personal data on the following legal bases: consent (for newsletter communications and optional analytics), legitimate interest (for improving service delivery), and contractual necessity (for administering programme enrolments and communicating about sessions you have joined).
2.4 Data Retention
Programme enrolment records are retained for up to 5 years after the conclusion of the programme. Enquiry records not resulting in enrolment are retained for 12 months. Analytics data is retained in aggregated form only.
3. How We Use Your Data
- To respond to enquiries and provide information about programmes
- To administer your enrolment, schedule sessions, and deliver programme materials
- To send relevant communications about upcoming cohorts, programme updates, or significant changes to our services
- To improve our website and programme content through aggregate usage analysis
- To comply with our legal obligations under Singapore law
We do not share your personal data with financial product providers, insurance companies, investment firms, or any third party for commercial purposes. This is consistent with our vendor-neutral educational model.
4. Data Protection Measures
We maintain appropriate technical and organisational safeguards to protect personal data against unauthorised access, disclosure, alteration, or destruction. These include:
- TLS encryption for all data transmitted via our website
- Access controls limiting who within Ledgerwise can view personal data
- Regular review of data handling procedures
- Secure storage of physical records where applicable
In the event of a data breach that is likely to affect your rights and interests significantly, we will notify the Personal Data Protection Commission (PDPC) and affected individuals in accordance with the PDPA's mandatory breach notification requirements.
5. Cookies
Our website uses cookies to improve your experience and to understand how the site is used. Cookies are small text files stored on your device. For full details of the cookies we use and how to manage your preferences, please read our Cookie Policy.
You may manage cookie preferences at any time through the cookie preference controls on our Cookie Policy page, or through your browser settings.
6. Your Rights
Under the PDPA, you have the right to:
- Access — request a copy of the personal data we hold about you
- Correction — ask us to correct inaccurate or incomplete data
- Withdrawal of Consent — withdraw consent for data processing where processing is based on consent
- Data Portability — request your data in a commonly used machine-readable format where applicable
- Erasure — request deletion of data we hold, subject to our legal obligations to retain certain records
To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. If you are dissatisfied with our response, you may lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg.
7. Third-Party Services
Our website may use the following third-party services, which have their own privacy practices:
- Google Analytics — for aggregate website usage statistics
- Google Maps — for embedded location display
We do not control the data practices of these third parties. Links to external websites from our pages are provided for convenience; we are not responsible for the privacy practices of those external sites.
8. Children's Privacy
Our Financial Literacy for Teens programme serves participants aged 15 to 21. For participants under 18, enrolment is managed by a parent or guardian who provides consent and contact information on behalf of the minor. We do not directly collect personal data from individuals under 18 through our website.
9. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page will reflect the most recent revision. Where changes are material, we will notify enrolled participants directly.
10. Contact
For any queries, concerns, or data access requests related to this policy:
- Email: [email protected]
- Address: 1 George Street, #17-05, One George Street, Singapore 049145
- Phone: +65 6284 5913