Privacy Policy

1. Information We Collect

Personal Information You Provide

We collect information that you provide directly to us when you:

• Enroll in our educational programs
• Contact us through our website or email
• Subscribe to our communications
• Participate in surveys or feedback requests

This information may include: name, email address, phone number, mailing address, date of birth (for age verification), and any additional information you choose to provide during program enrollment or participation.

Financial Information

During program participation, you may choose to share financial information for educational planning purposes. This information is used solely for providing personalized guidance within the educational context and is handled with strict confidentiality.

Technical Information

When you visit our website, we automatically collect certain technical information including IP address, browser type, device information, and website usage patterns through cookies and similar technologies.

2. How We Use Your Information

We use collected information for the following purposes:

Service Delivery

• Administering program enrollment and participation
• Providing educational materials and resources
• Scheduling sessions and individual consultations
• Delivering post-program support and updates

Communication

• Responding to inquiries and requests
• Sending program-related notifications and updates
• Providing educational content and market perspectives (with consent)
• Gathering feedback to improve our programs

Legal Basis for Processing

We process your personal data based on:

• Contract fulfillment: Providing educational services you have enrolled in
• Legitimate interest: Improving our programs and communicating with participants
• Consent: Sending marketing communications (you may withdraw consent at any time)
• Legal compliance: Meeting regulatory requirements and data protection obligations

3. Data Retention

We retain your personal data only as long as necessary for the purposes outlined in this policy:

• Program participant data: Retained for 7 years after program completion for educational record purposes
• Inquiry and contact data: Retained for 2 years unless you request earlier deletion
• Financial transaction records: Retained for 7 years as required by Singapore regulations
• Marketing consent records: Retained until consent is withdrawn, then data is deleted within 30 days

4. Information Sharing and Disclosure

We do not sell your personal data. We may share information in the following limited circumstances:

Service Providers

We engage third-party service providers to support our operations, including email service providers, payment processors, and website hosting. These providers are contractually bound to protect your data and use it only for specified purposes.

Legal Requirements

We may disclose information when required by law, court order, or regulatory authority, or when necessary to protect our rights, property, or safety.

Business Transfers

If Cornerstone Planning is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data:

• Data encryption during transmission using SSL/TLS protocols
• Secure data storage with access controls and authentication
• Regular security assessments and updates
• Staff training on data protection and confidentiality
• Incident response procedures for potential data breaches

While we take reasonable precautions, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but continuously work to maintain appropriate protections.

6. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and analyze usage patterns. For detailed information about our cookie practices, please see our Cookie Policy.

Types of cookies we use:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our website (with consent)
• Marketing cookies: Used for advertising and tracking (with consent)

7. Your Rights Under Singapore PDPA

Under Singapore's Personal Data Protection Act, you have the following rights regarding your personal data:

Access

You may request access to the personal data we hold about you. We will provide this information within 30 days of a valid request.

Correction

You may request correction of inaccurate or incomplete personal data. We will update our records promptly upon verification.

Withdrawal of Consent

You may withdraw consent for marketing communications or non-essential data processing at any time. This will not affect the lawfulness of processing based on consent before withdrawal.

Objection

You may object to processing of your personal data for direct marketing purposes or where processing is based on legitimate interests.

Deletion

You may request deletion of your personal data, subject to our legal obligations to retain certain records for regulatory compliance.

How to Exercise Your Rights

To exercise any of these rights, contact us at [email protected]. We will respond to your request within the timeframes required by Singapore law.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are designed for adults aged 40 and above. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have inadvertently collected data from someone under 18, we will delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending email notification to program participants for significant changes
• Requesting renewed consent where required by law

Continued use of our services after changes indicates acceptance of the updated policy.

11. Contact Information

For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact:

If you are not satisfied with our response to your privacy concerns, you may lodge a complaint with the Personal Data Protection Commission (PDPC) of Singapore.