Privacy Policy

1. Introduction

Karendel ("we", "us", "our") operates from 24 Raffles Place, #29-05, Clifford Centre, Singapore 048621. We provide reading-led financial education programmes for adults aged 40 and above. This Privacy Policy governs the personal data we collect through our website at karendeli.pro, enquiry forms, and programme enrolment processes.

This Policy is prepared in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). By using our website or submitting an enquiry, you acknowledge the practices described here.

For any questions regarding this Policy, please write to [email protected].

2. Data We Collect

2.1 Information You Provide

When you submit an enquiry or register for a programme, we may collect:

• Your full name and preferred form of address
• Your email address
• Your telephone number (where provided)
• The programme or topic you are enquiring about
• Any message content you include in your enquiry

2.2 Automatically Collected Information

When you visit our website, standard web server logs may record:

• Your IP address and approximate geographic location
• Browser type and operating system
• Pages visited and time spent on each
• Referring website address

2.3 Legal Basis for Processing

We process your data on the basis of your consent (enquiry form submission), for the performance of a service arrangement (programme enrolment), and to fulfil legitimate interests in administering educational programmes and responding to enquiries.

2.4 Retention Periods

Enquiry data is retained for up to 24 months from the date of last contact. Programme participant data is retained for up to 5 years for administrative and legal compliance purposes. Website analytics data is aggregated and retained for up to 12 months.

3. How We Use Your Data

Personal data collected is used only for the following purposes:

• Responding to your enquiries and providing programme information
• Administering your enrolment and communicating session details
• Sending pre-session reading materials and post-session notes
• Improving our website and the presentation of our programmes
• Meeting our obligations under Singapore law

We do not sell, rent, or trade your personal data to any third party for commercial purposes. We do not use your contact details for unsolicited marketing without your prior agreement.

3.1 Data Sharing

We may share data with trusted service providers (such as cloud hosting providers and email delivery services) who are contractually bound to handle data in accordance with applicable data protection obligations. We do not share data with advertising networks or data brokers.

4. Data Protection Measures

We maintain reasonable administrative, technical, and physical safeguards to protect the personal data we hold. These include:

• Encrypted data transmission via HTTPS across all website pages
• Access controls that limit which staff members can view personal enquiry data
• Periodic review of data handling practices
• Hosting on servers located within or compliant with Singapore data standards

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

5. Cookies

Our website uses cookies — small text files placed on your device — to support basic site functionality and understand how visitors use the site. We use essential cookies (required for the site to operate), analytics cookies (to understand page traffic), and preference cookies (to remember your choices).

You can adjust your cookie preferences at any time through our Cookie Policy page, which includes detailed information and preference controls.

6. Your Rights

Under the Singapore PDPA, you have the right to:

• Access — request a copy of the personal data we hold about you
• Correction — ask us to update or correct inaccurate data
• Withdrawal of consent — withdraw consent at any time, without prejudice to the lawfulness of prior processing
• Data portability — receive your personal data in a structured, commonly used format
• Erasure — request deletion of your personal data where no legal obligation requires us to retain it
• Complaint — lodge a complaint with the Personal Data Protection Commission at www.pdpc.gov.sg

To exercise any of these rights, please write to [email protected]. We will respond within 30 calendar days.

7. Third-Party Links

Our website may contain links to external websites or resources for reference purposes. Karendel is not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any external sites you visit.

8. Children's Privacy

Our programmes are designed for adults aged 40 and above. We do not knowingly collect personal data from individuals under the age of 18. If you believe we have inadvertently collected such data, please contact us promptly at [email protected] and we will arrange for its deletion.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The revised version will be posted on this page with an updated "Last Updated" date. Where changes are material, we will make reasonable efforts to notify active programme participants by email.

Continued use of our website following the posting of changes constitutes acceptance of the revised Policy.

10. Contact Information

For privacy-related enquiries, correction requests, or to exercise any of your rights under the PDPA: