Privacy Policy

1. Introduction

Wira ("we", "us", "our") operates as a financial education practice based in Singapore. We are committed to handling personal data with care and in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). This policy explains what personal data we collect, how we use it, and what rights you have in relation to it.

This policy applies to all personal data collected through our website at wira.info, through our enquiry form, and in the course of administering our programmes. Questions about this policy may be directed to [email protected].

2. What Personal Data We Collect

We collect personal data only when there is a clear reason to do so. The data we may collect includes:

• Name and email address, submitted through the website enquiry form
• Phone number, if voluntarily provided in the enquiry form
• Message content, as written in the enquiry form
• Programme participation records, including which programme a participant attended and when
• Payment records, where a programme fee is processed
• Website usage data collected via cookies and analytics (see Section 5)

We do not collect sensitive financial data through our website. Any financial information discussed during programme sessions is handled under the confidentiality terms described in our Terms and Conditions, not retained in digital systems.

Legal basis: Personal data is processed on the basis of your consent (enquiry form submission), contractual necessity (programme administration and payment), and our legitimate interest in operating and improving the website.

Retention: Enquiry data is retained for up to 12 months unless you enrol in a programme, in which case participation records are retained for up to 5 years for administrative purposes. Payment records are retained as required by Singapore's Accounting and Corporate Regulatory Authority (ACRA) guidelines.

3. How We Use Your Data

Personal data collected through this website is used for the following purposes:

• Responding to enquiries submitted through the contact form
• Administering programme enrolments and communicating session details
• Processing programme fees and maintaining payment records
• Sending programme updates or changes to enrolled participants
• Improving the website based on anonymised usage data

We do not use personal data for direct marketing purposes without your explicit consent. We do not sell, rent or share personal data with third-party commercial organisations.

We may share limited data with service providers who assist us in operating the website and managing payments (for example, a payment gateway). These providers are bound by confidentiality obligations and may not use the data for their own purposes.

4. Data Protection Measures

We take reasonable steps to protect personal data held by us, including:

• Encrypted transmission of data submitted via the website (TLS/HTTPS)
• Access to personal data restricted to staff with a legitimate need
• Internal records stored on password-protected systems
• No personal data stored in cloud services without adequate security controls

In the event of a data breach that is likely to result in significant harm to affected individuals, we will notify the Personal Data Protection Commission (PDPC) and affected individuals within the timeframes required by the PDPA.

5. Cookies and Website Analytics

Our website uses cookies to understand how visitors use the site and to remember your cookie preferences. We use the following types of cookies:

• Essential cookies: Required for the site to function. Cannot be disabled.
• Analytics cookies: Used to understand site usage patterns. Can be declined.
• Preference cookies: Used to remember your cookie consent choice. Can be declined.

You can manage your cookie preferences at any time via our Cookie Policy page. Declining analytics cookies does not affect your ability to use the site.

6. Your Rights Under the PDPA

Under Singapore's Personal Data Protection Act 2012, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete personal data
• Withdraw consent for the processing of your personal data (where processing is based on consent)
• Request erasure of your data, subject to our legal record-keeping obligations
• Lodge a complaint with the Personal Data Protection Commission (PDPC) at www.pdpc.gov.sg

To exercise any of these rights, write to us at [email protected]. We will respond within 30 days. Requests to access or correct data are free of charge.

7. Third-Party Links

Our website may contain links to external websites — for example, to Singapore government resources such as the CPF Board or MAS. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of any external site you visit from a link on our website.

8. Children's Privacy

Wira's programmes are designed for adults aged 40 and above. We do not knowingly collect personal data 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. If you believe we have collected data from a minor, please contact us at [email protected].

9. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or in applicable law. When we make material changes, we will update the "Last updated" date at the top of this page. Continued use of our website after a policy update constitutes acceptance of the revised policy. We recommend reviewing this page periodically.

10. Contact

For any questions about this policy or about your personal data, please contact:

We will respond to all privacy-related enquiries within 30 days of receipt.