Privacy Policy

Introduction

Meridian Path is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you interact with our educational services, website, and course platforms. We adhere to Singapore's Personal Data Protection Act (PDPA) and maintain transparent practices regarding information handling.

By using our services or providing your information, you consent to the practices described in this policy. We encourage you to read this document carefully and contact us with any questions regarding your privacy.

Information We Collect

Personal Information

When you enroll in courses or interact with our services, we collect:

• Full name and contact details (email address, phone number)
• Postal address for course materials or correspondence if provided
• Payment information necessary for course enrollment processing
• Educational background and retirement planning timeline when relevant to course selection

Usage and Course Progress Data

Our learning platform automatically collects:

• Course enrollment records and completion status
• Module progress and assessment performance
• Time spent on course materials and interactive tools
• Calculations performed using course calculators (stored locally only)

Communication Data

We retain records of:

• Email correspondence regarding course content or support requests
• Phone call records related to enrollment inquiries or educational assistance
• Feedback provided through surveys or course evaluations

Technical Information

Our systems collect:

• Device information (browser type, operating system, device model)
• IP address and general location data
• Cookie data as described in our Cookie Policy
• Website usage patterns and navigation paths

Legal Basis for Processing

We process your personal data based on:

• Consent: You provide explicit consent when enrolling in courses or subscribing to communications
• Contract Fulfillment: Processing necessary to deliver educational services you purchased
• Legitimate Interest: Improving educational content, platform functionality, and participant experience
• Legal Obligation: Compliance with Singapore regulations including PDPA, tax requirements, and financial regulations

How We Use Your Information

Personal information collected serves the following purposes:

• Service Provision: Delivering course content, tracking progress, providing certificates of completion
• Communication: Sending course updates, responding to inquiries, providing educational support
• Payment Processing: Processing enrollment fees and maintaining transaction records
• Platform Improvement: Analyzing usage patterns to enhance educational effectiveness and user experience
• Legal Compliance: Maintaining records as required by Singapore regulations
• Security: Protecting against unauthorized access, fraud, and platform misuse

Data Retention

We retain personal information according to these principles:

• Course Enrollment Records: Maintained indefinitely to provide lifetime access and track certifications
• Communication History: Retained for three years following last interaction
• Financial Records: Kept for seven years as required by Singapore tax regulations
• Usage Analytics: Aggregated data retained indefinitely; individual data deleted after two years of inactivity
• Marketing Consent: Maintained until consent is withdrawn

Retention periods may be extended if required for legal proceedings, regulatory investigations, or other legitimate business purposes.

Data Protection Measures

We implement comprehensive security measures including:

• Encryption: SSL/TLS encryption for data transmission; encrypted storage for sensitive information
• Access Controls: Limited staff access based on role requirements; multi-factor authentication for administrative systems
• Regular Audits: Periodic security assessments and vulnerability testing
• Breach Procedures: Incident response protocols aligned with PDPA notification requirements
• Third-Party Standards: Requiring service providers to maintain equivalent security practices

While we employ industry-standard security measures, no system can be completely secure. We encourage you to protect your account credentials and notify us immediately of any suspected unauthorized access.

Your Privacy Rights

Under Singapore's PDPA, you have the following rights:

• Access: Request copies of personal data we hold about you
• Correction: Request updates to inaccurate or incomplete information
• Withdrawal of Consent: Opt out of marketing communications or other non-essential processing
• Data Portability: Receive your course progress and enrollment data in structured format
• Restriction: Request limitation of processing under certain circumstances
• Objection: Object to processing based on legitimate interests

To exercise these rights, contact us at [email protected]. We respond to requests within 30 days and may require identity verification to protect your information.

Third-Party Services

We work with selected service providers who access limited personal information to support our operations:

• Payment Processors: Handle transaction processing with bank-level security standards
• Email Services: Deliver course communications and updates
• Cloud Hosting: Provide secure infrastructure for course platform and data storage
• Analytics Platforms: Help us understand website usage and improve user experience

All third-party providers are contractually required to protect your data, use it only for specified purposes, and comply with applicable privacy regulations. We do not sell personal information to third parties.

International Data Transfers

Some service providers may process data outside Singapore. When transferring data internationally, we ensure:

• Transfers comply with PDPA requirements for cross-border data flows
• Destination countries provide adequate data protection standards
• Contractual safeguards protect your information during transfer and storage
• Appropriate technical and organizational security measures remain in place

Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze platform usage, and remember your preferences. For detailed information about our cookie practices, including types of cookies used and how to manage your preferences, please review our Cookie Policy.

Age Requirements

Our educational services are designed for adults planning retirement. 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 a minor, we will delete it promptly.

Policy Updates

We review and update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service offerings. Significant changes will be communicated through:

• Email notification to enrolled participants
• Prominent notice on our website
• Updated "Last Updated" date at the top of this policy

Continued use of our services after policy updates indicates acceptance of the revised terms.

Contact Information

For privacy-related questions, concerns, or requests to exercise your rights, please contact:

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