Privacy Policy

1. Introduction

AI Money Vault Pte. Ltd. ("AI Money Vault", "we", "us", or "our") respects your privacy and is committed to protecting personal data in accordance with the Personal Data Protection Act 2012 of Singapore ("PDPA") and subsidiary legislation thereunder. This Privacy Policy explains what personal data we collect, why we collect it, how we use and disclose it, how long we retain it, and the rights available to you.

This policy applies to personal data collected through our website at aimoneyvault.pro, enquiry and enrolment forms, email and telephone communications, in-person attendance at our studio at 16 Collyer Quay, #18-01, Income at Raffles, Singapore 049318, and corporate training engagements. It does not apply to third-party websites or services that we do not control, even if linked from our pages.

By submitting a form, enrolling in a programme, or otherwise interacting with us, you acknowledge that you have read this Privacy Policy. Where the PDPA requires consent for specific purposes, we will obtain it separately — for example, through the PDPA consent checkbox on enquiry forms, which is never pre-selected.

2. Data controller

The data controller responsible for your personal data is AI Money Vault Pte. Ltd., UEN 202516742G, registered in Singapore. For privacy-related requests, contact our Data Protection Officer at [email protected] or write to the registered address above. We aim to acknowledge requests within seven business days.

3. Personal data we collect

3.1 Information you provide directly

When you complete an enquiry form, request a prospectus, enrol in a cohort, or engage us for corporate training, we may collect:

• Identity and contact details: full name, email address, telephone number, job title, and organisation name;
• Enrolment information: preferred cohort dates, billing contact, and payment references (payment card details are processed by our payment provider and are not stored on our servers);
• Communications: messages you send via forms or email, and records of phone conversations where you are informed that notes may be kept;
• Consent records: timestamps and wording of PDPA consents you provide.

3.2 Information collected during courses

Course exercises may involve sample financial data or anonymised datasets we supply. We instruct learners not to submit live bank credentials or full unredacted account numbers to our systems. If you voluntarily share personal financial excerpts for instructor review, we treat that content as confidential training material and delete it according to the retention schedule in section 8 unless you request earlier deletion and we no longer require it for dispute resolution.

3.3 Automatically collected information

When you visit our website, we may automatically collect technical data such as IP address, browser type, device type, referring URL, pages viewed, and approximate geographic location derived from IP. Optional analytics cookies, if you accept them, aggregate this information to help us understand site usage. See our Cookie Policy for details.

4. Purposes of collection, use, and disclosure

We collect and use personal data only where we have a legitimate purpose under the PDPA or where you have given consent. Primary purposes include:

• Responding to enquiries about programmes, corporate workshops, and private coaching;
• Processing enrolments, issuing invoices, and administering cohort schedules;
• Delivering training, providing course materials, and communicating schedule changes;
• Maintaining alumni channels for graduates who opt in;
• Complying with legal obligations, including record-keeping for tax and corporate governance;
• Protecting our rights in the event of disputes or fraud prevention;
• Improving our website and services through aggregated analytics where optional cookies are accepted.

We do not sell personal data. We may disclose data to:

• Service providers who assist with email delivery, payment processing, cloud hosting, and print materials, bound by confidentiality obligations;
• Professional advisers such as lawyers or accountants when necessary;
• Public authorities when required by Singapore law or court order.

Some service providers may process data outside Singapore. Where we transfer personal data overseas, we take steps reasonably required under the PDPA to ensure that recipients provide a standard of protection comparable to the PDPA, such as contractual clauses or verification of certification schemes.

5. Legal basis and consent

For marketing emails beyond transactional course communications, we will obtain opt-in consent. You may withdraw consent at any time by using the unsubscribe link in emails or contacting [email protected]. Withdrawal does not affect the lawfulness of processing before withdrawal.

Certain processing is necessary for the performance of a contract — for example, using your email to send enrolment confirmations — or for legitimate interests such as improving course quality through anonymised feedback, balanced against your privacy rights.

6. Accuracy and protection

We take reasonable steps to ensure personal data is accurate and complete. Please notify us if your contact details change. We implement administrative, technical, and physical safeguards appropriate to the sensitivity of the data, including access controls for staff, encrypted connections (HTTPS) on our website, and secure storage for enrolment records. No method of transmission over the Internet is completely secure; we encourage you not to email unredacted financial statements unless encrypted channels are agreed in advance.

7. Your rights under the PDPA

Subject to exceptions in the PDPA, you may:

• Request access to personal data we hold about you;
• Request correction of inaccurate or incomplete data;
• Withdraw consent for purposes that rely on consent;
• Request information about how we have used or disclosed your data over the past year.

We may charge a reasonable fee for manifestly unfounded or excessive access requests. We will respond within the timeframe prescribed by the PDPA or explain any permitted extension.

8. Retention

We retain personal data only as long as necessary for the purposes described above:

• Enquiry records: up to twenty-four months after last contact unless an enrolment follows;
• Enrolment and billing records: seven years after the end of the financial year in which the transaction occurred, to meet tax and audit requirements;
• Course submissions you share for review: deleted within ninety days after cohort completion unless you request retention for alumni reference;
• Cookie consent choices: six months, as stated in our cookie banner;
• Marketing suppression lists: indefinitely, to honour unsubscribe requests.

When data is no longer needed, we securely delete or anonymise it.

9. Children

Our programmes target adults. We do not knowingly collect personal data from individuals under eighteen without parental consent. If you believe we have collected a minor's data in error, contact us for prompt deletion.

10. Third-party links and AI tools

Our site may link to external resources — for example, SkillsFuture information or mapping services. Those sites have their own privacy policies. During courses we may demonstrate third-party AI tools; your use of those tools outside our studio is governed by the providers' terms. We instruct learners to review privacy settings before uploading personal documents to any AI service.

Where learners choose to connect personal cloud storage during exercises, access tokens remain on their devices unless they explicitly share exports with instructors for feedback. We do not require connection to third-party aggregators that store bank credentials on your behalf.

10a. Data breach notification

In the unlikely event of a data breach that is likely to result in significant harm or that affects a significant number of individuals, we will assess the incident promptly, take containment steps, and notify the Personal Data Protection Commission and affected individuals as required by the PDPA. Our internal response plan assigns responsibility to the Data Protection Officer and documents escalation paths to senior management and external counsel where appropriate.

11. Changes to this policy

We may update this Privacy Policy to reflect legal or operational changes. Material updates will be posted on this page with a revised effective date. Continued use of our services after changes constitutes acknowledgement where permitted by law.

12. Contact and complaints

Questions or requests: [email protected] · [email protected] · +65 6538 2170 · AI Money Vault Pte. Ltd., 16 Collyer Quay, #18-01, Income at Raffles, Singapore 049318.

If you are not satisfied with our response, you may lodge a complaint with the Personal Data Protection Commission (PDPC) Singapore:

Personal Data Protection Commission
10 Pasir Panjang Road, #03-01 Mapletree Business City, Singapore 117438
Website: https://www.pdpc.gov.sg

13. Marketing and alumni communications

We may send transactional emails about enrolments, schedule changes, and course materials without separate marketing consent because they are necessary to perform our contract with you. Promotional emails about new cohorts or alumni events require opt-in consent where required by law. Every marketing email includes an unsubscribe link. Suppression records are retained indefinitely to honour your choice.

Alumni channel participation is optional and governed by community guidelines that prohibit investment tips, referral links, and sharing of third-party personal data. Moderators may remove content that violates these rules or PDPA principles.

14. Automated decision-making

We do not use solely automated decision-making that produces legal or similarly significant effects on individuals. Form spam filtering via honeypot fields is automated but does not affect legitimate enquiries beyond silent rejection of bot submissions. Enrolment decisions involve human review of applications and payment confirmation.

15. Change log

• 3 July 2026 — Initial Privacy Policy published for aimoneyvault.pro launch.

Last updated: 3 July 2026