(“Website”) is committed to safeguarding your personal data. Personal data refers to data, whether true or not, about an individual who can be identified from that data; or from that data and other information to which the organisation has or is likely to have access.

Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address and any other information relating to any individuals which you have provided us in any forms you may have submitted to us, or via other forms of interaction with you.

Personal data in Singapore is protected under the Personal Data Protection Act 2012 (PDPA).

This Privacy Policy sets out the types of personal data we collect, how we keep it secure, as well as how you can access or alter your personal data stored by us.

We may amend this Privacy Policy at any time by posting a revised version on the Website. However, an individual notice will not be sent to you. You will be deemed to have acknowledged and agreed to the amended Privacy Policy if you continue to use the Website after the changes have taken effect. You are reminded to check this Website from time to time for updates to this Privacy Policy.


1.1  Generally, we collect Personal Data in the following ways:

a. When you submit an application form or other forms relating to any of our services.
b. When you interact with our employees, for example, via telephone calls, letters, face-to-face meetings and emails.
c.  When you use some of our services, for example, websites and apps including establishing any online accounts with us.
d.  When you request that we contact you, be included in an email or any other mailing list.
e.  When you respond to our invites, events, initiatives or to any request for additional Personal Data.
f.  When you are contact by, and respond to, our employees.
g.  When we receive references from third parties, for example, where you have been referred by them.
h.  When we seek information from third parties about you in connection with the Services you have applied for.
i.  When you submit your Personal Data for us for any other reasons.

1.2  When you browse our website, you generally do so anonymously (but please see the section below on cookies). We do not at our website automatically collect Personal Data unless you provide such information or login with your account credentials.

1.3  You can use and browse the Website without disclosing your personal data. You are not required to provide personal data as a condition of using the Website, except as may be necessary for us to be able to respond to your requests, or in cases where you contact us directly.

1.4  If you provide us with any Personal Data relating to a third party (e.g. information of your spouse, children, parents and/or employees), by submitting such information to us, you represent to us that you have obtained the consent of the third party to provide us with their Personal Data for the respective purposes.

1.5  You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to  do so may result in our inability to provide you with the Products and Services you have requested.


2.1  The personal data which you provide may be used and processed by us in the aggregate or individually and may be combined with other information for the purpose of managing and operating the Website, the scope of which may include, but is not limited to the following:

a. administering the Website;
b. improving your browsing experience by personalizing the Website;
c. enabling your use of the services available on the Website;
d. responding to your inquiries or requests pursuant to your emails and/or submission of form(s) on the Website;
e. responding to and taking follow-up action on complaints regarding the use of the Website;
f. sending you general (non-marketing) commercial communications;
g. providing third parties with statistical information about our users. Such statistical information may be used to personalise advertising on the Website, but cannot be used to identify any individual user.

2.2  We will not, without your express consent, disclose your personal data to third parties for the purposes of direct marketing.

2.3. In addition, we collect, use and disclose your Personal Data for the following purposes:

a.  If you are a customer or an employee of an organisation which is a customer or supplier of MCST Guru:

i. opening or continuation of accounts and establishing or providing you with the services you subscribe to;
ii. facilitating the continuation or termination of your subscription to our Services (including but not limited to administering subscription arrangements, processing renewal of membership and customer relationship management);
iii. facilitating the daily operation of the Services (including but not limited to customer service, customer verification);
iv. processing of payment instructions, direct debit facilities and/or credit facilities requested by you;
v. enforcement of repayment obligations (including but not limited to debt collection, filing of claims and retrieval of payments);
vi. administering and processing any insurance claims and payments arising under the respective policies;
vii. credit and internal risk management (including but not limited to performing credit checks and disclosures to law enforcement agencies);
viii. generating internal reports (including but not limited to annual, operational and management reports);
ix. administering fee adjustments, refunds and waivers;
x. analysing your use of our Services so as to help us improve, review, develop and efficiently manage the Services offered to you; and
xi. purposes which are reasonably related to the aforesaid.

2.4  Furthermore, where permitted under the Act:

a.  MCST Guru may also collect, use and disclose your Personal Data for the following “Additional Purposes”:

i. providing additional Services and benefits to you, including loyalty and reward programmes from MCST Guru;
ii. matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the provision, marketing or offering of Products and Services by MCST Guru;
iii. communicating to you advertisements involving details of our Services;
iv.  organising events and corporate social responsibility projects; and
v.  purposes which are reasonably related to the aforesaid.

2.5.  If you have provided your Singapore telephone number(s) and have indicated that you consent to receiving information via your Singapore telephone number(s), then from time to time, MCST Guru may contact you using such Singapore telephone number(s) (including via voice calls, text, fax or other means) with information about our Services.

2.6.  In relation to particular Services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.

2.7.  You have a choice to withdraw your consent for receiving materials/communication. You may contact us using the contact details found below.

2.8.  Please be aware that once we receive confirmation that you wish to withdraw your consent for materials/communication, it may take up to 30 working days for your withdrawal to be reflected in our systems. Therefore, you may still receive materials/communication during this period of time. Please note that even if you withdraw your consent, we may still contact you for other purposes in relation to the Services that you hold or have subscribed to with MCST Guru.


3.1  We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal data.

3.2  We will store all the personal data you provide on secure servers.

3.3  You however understand that the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your personal data transmitted to the Website; any transmission is at your own risk.

3.4  Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. We will NEVER ask you for your password other than when you log in to the Website.


In order to manage and operate the Website, we may disclose your personal data only under following circumstances on a strictly necessary basis:

a. MCST Guru’s employees to provide content, services to you, address your questions and requests in relation to your subscription and courses arrangements;
b.  any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or asset sale) involving any of the Companies;
c.  our professional advisers such as auditors and lawyers;
d.  relevant government regulators, statutory boards or authorities or law enforcement agencies to comply with any laws, rules, guidelines and regulations or schemes imposed by any governmental authority; and
e.  any other party to whom you authorise us to disclose your Personal Data to –

  • monitoring customer-facing interactions for quality assurance, employee training and performance evaluation;
  • organising events;
  • legal purposes (including but not limited to obtaining legal advice and dispute resolution);
  • conducting investigations relating to disputes, billing or fraud;
  • meeting or complying with any applicable rules, laws, regulations, codes of practice or guidelines issued by any legal or regulatory bodies which are binding on SPNP (including but not limited to responding to regulatory complaints, disclosing to regulatory bodies and conducting audit checks, due diligence and investigations); and
  • purposes which are reasonably related to the aforesaid.
  • to comply with any legal requirement; and
  • to protect the rights, property, and safety of our Website, and other users of the Website.


The Website may, from time to time, contain links to and from the websites of our partner networks and vendors. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check these policies before you submit any personal data to these websites.


6.1. If you:

a. have any questions or feedback relating to your Personal Data or our Data Protection Policy;
b. would like to withdraw your consent to any use of your Personal Data as set out in this Data Protection Policy; or
c.  would like to obtain access and make corrections to your Personal Data records, please contact MCST Guru as follows: Data Protection Officer,  MCST Guru  Email:

6.2. Please note that if your Personal Data has been provided to us by a third party (e.g. a referrer), you should contact that organisation or individual to make such queries, complaints, and access and correction requests to SPNP on your behalf.

6.3. If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, SPNP may not be in a position to continue to provide its Services to you.

All requests for information or requests for the amendment of personal data held by us shall be made by emailing to


We shall not be liable for any voluntary disclosure of personal data by you to other users in connection with the use of the Website.


Should you have any query, request or feedback relating to your personal data, please contact us at the following email:


9.1.  This Data Protection Policy shall be governed in all respects by the laws of Singapore.
For more information about the Singapore Personal Data Protection Act, please visit