Privacy Policy | Graham Works Legacy

Graham Works Pte. Ltd.

Last Updated: 6 September 2026

Graham Works Pte. Ltd. (“Graham Works”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal data entrusted to us.

This Privacy Policy explains how we collect, use, disclose, store and protect personal data in accordance with the Personal Data Protection Act 2012 of Singapore (“PDPA”).

By interacting with us, using our website, submitting an online form, downloading our resources, registering for our events or otherwise providing personal data to us, you acknowledge the practices described in this Privacy Policy.

1. About Graham Works

Graham Works Pte. Ltd. is a Singapore-based company focused on:

financial education and financial literacy;
financial planning education;
estate and legacy planning;
family wealth stewardship;
intergenerational wealth education;
succession and legacy education;
workshops, seminars and training programmes; and
related educational and consultancy services.

Our educational materials, tools and resources are intended to promote greater understanding and informed decision-making.

Unless expressly stated otherwise, information provided by Graham Works is for general educational purposes and does not constitute personalised financial, investment, legal, tax or other professional advice.

Where appropriate, individuals may be referred to or introduced to suitably qualified or regulated professionals or organisations for services that fall outside the scope of Graham Works.

2. Personal Data We May Collect

Depending on how you interact with Graham Works, we may collect personal data including:

your name;
email address;
telephone or mobile number;
information submitted through our website or online forms;
information provided when downloading educational resources;
information provided when registering for seminars, workshops, webinars or events;
information contained in enquiries or communications with us;
information voluntarily provided during financial education, estate planning, legacy planning or consultation discussions;
preferences relating to communications, programmes or services; and
technical information associated with your use of our website, such as device information, browser information, IP address, cookies and website usage information, where applicable.

Depending on the nature of a service requested, we may need to collect additional information. Where appropriate, we will explain the purpose for collecting such information.

We seek to collect only personal data that is reasonably required for the relevant purposes.

3. How We Collect Personal Data

We may collect personal data when you:

visit or use our website;
submit a form through our website;
download a guide, scorecard, checklist, worksheet, e-book or other resource;
subscribe to our educational content or updates;
contact us by email, telephone, WhatsApp or other communication channels;
register for or attend an event, webinar, seminar, workshop or training programme;
engage us regarding estate planning, legacy planning, family wealth stewardship or related services;
participate in surveys, assessments or educational programmes;
communicate or interact with us through social media;
are referred or introduced to us, where permitted; or
otherwise voluntarily provide your personal data to us.

We may also collect information through website technologies such as cookies and analytics tools.

4. Purposes for Collection, Use and Disclosure

We may collect, use and disclose personal data for purposes including the following:

Providing Requested Resources and Services

To process enquiries, provide requested educational resources, administer downloads and registrations, and provide services requested from Graham Works.

Financial Education

To provide educational materials, articles, newsletters, guides, tools, assessments, workshops and other resources relating to financial planning, financial literacy, investing, retirement planning, wealth management education and related subjects.

Estate and Legacy Planning

To respond to enquiries and facilitate estate planning, legacy planning, succession planning, family wealth stewardship and related services.

Events and Programmes

To administer registrations and communicate with participants regarding seminars, webinars, workshops, talks, courses and educational programmes.

Communications

To respond to enquiries, provide service-related communications and maintain our relationship with individuals who interact with Graham Works.

Educational and Marketing Communications

Where you have provided the relevant consent, or where otherwise permitted by applicable law, we may send educational content, newsletters, invitations, updates and information regarding Graham Works' programmes and services.

Administration and Improvement

To operate, administer, secure, analyse and improve our website, services, educational resources, programmes, customer experience and internal business processes.

Legal and Regulatory Purposes

To comply with applicable laws, regulations, regulatory requirements, court orders and other lawful obligations.

We will not collect, use or disclose personal data for purposes beyond what is reasonable and appropriate in the circumstances, except where permitted or required by law.

5. Personal Wealth Scorecard and Other Educational Resources

When you request the Personal Wealth Scorecard or another Graham Works educational resource, we may collect information such as your name, email address and mobile number.

We use this information primarily to:

process your request;
provide or deliver the requested resource;
communicate with you regarding your request;
provide administrative or service-related communications; and
maintain appropriate records of the interaction.

Where you separately choose to receive further communications from Graham Works, we may also use your contact information to send educational content, newsletters, invitations, updates and information about relevant programmes and services.

Consent to receive optional marketing communications is separate from your request to receive an educational resource unless otherwise clearly stated.

6. Marketing and Educational Communications

Where required, we will seek your consent before sending marketing communications.

These communications may include:

financial education articles and resources;
estate and legacy planning information;
family wealth stewardship content;
newsletters;
seminar and webinar invitations;
educational programmes;
new tools and resources; and
information regarding relevant Graham Works programmes and services.

Depending on the consent you have provided, these communications may be sent through email, telephone, SMS, WhatsApp or other appropriate communication channels.

You may withdraw your consent to receive marketing communications at any time by using an unsubscribe function provided in an email, where available, or by contacting us.

Withdrawal from marketing communications will not prevent you from requesting or receiving Graham Works' educational resources or services where marketing consent is not required for those resources or services.

Communications to Singapore telephone numbers will be handled in accordance with applicable requirements, including relevant provisions relating to Singapore's Do Not Call Registry.

7. Disclosure of Personal Data

Graham Works does not sell your personal data.

We may disclose personal data where reasonably necessary to:

service providers supporting our website, technology systems, communications, data storage, customer relationship management, event administration or other business operations;
professional advisers or service providers involved in delivering services requested by you;
estate planning, legal, trust, financial or other professional service providers where relevant to a service you have requested and where appropriate;
government authorities, regulators, law enforcement agencies or courts where required or permitted by law; or
another party where you have consented to the disclosure.

Where third-party service providers process personal data on our behalf, we will take reasonable steps to ensure that personal data is handled appropriately.

8. Referrals to Other Professional Service Providers

Graham Works focuses on financial education, estate planning and family wealth stewardship.

From time to time, your needs may require services provided by other suitably qualified, licensed, regulated or professional organisations.

Where appropriate, and subject to applicable requirements, we may introduce or refer you to such organisations or professionals.

Where your personal data needs to be disclosed to another organisation for purposes beyond those for which you have already provided consent, we will seek the appropriate consent or otherwise ensure that the disclosure is permitted under applicable law.

Any services provided by such third parties will be subject to their own terms, professional responsibilities and privacy policies.

9. Third-Party Platforms and Service Providers

Graham Works may use third-party technology and service providers to operate its website and business processes.

These may include providers supporting:

website hosting;
online forms;
customer relationship management;
email communications;
event registration;
analytics;
cloud storage; and
other digital services.

These providers may process personal data on our behalf for purposes necessary to provide their services to Graham Works.

Certain providers may operate infrastructure or process data outside Singapore. Where personal data is transferred outside Singapore, we will take reasonable steps to ensure that such transfers are carried out in accordance with applicable requirements under the PDPA.

10. Cookies and Website Analytics

Our website may use cookies and similar technologies to enable website functionality, understand how visitors use our website and improve the user experience.

Depending on the technologies used on our website, cookies may collect information such as:

browser type;
device information;
IP address;
pages visited;
time spent on pages;
referral sources; and
interactions with our website.

Where required or appropriate, visitors may be provided with options to manage their cookie preferences.

Your browser may also allow you to restrict, block or delete cookies. Doing so may affect certain functions of our website.

11. Protection of Personal Data

Graham Works takes reasonable administrative, technical and organisational measures to protect personal data in our possession or under our control against risks such as:

unauthorised access;
unauthorised collection;
unauthorised use;
unauthorised disclosure;
copying;
modification;
loss;
disposal; or
other similar risks.

Measures may include appropriate access controls, password protection, security settings, restrictions on access to personal information and reasonable safeguards relating to the systems and service providers we use.

However, no method of electronic transmission or storage is completely secure. While we take reasonable measures to protect personal data, absolute security cannot be guaranteed.

12. Retention of Personal Data

We retain personal data only for as long as it is reasonably necessary to fulfil the purposes for which it was collected or for legitimate business, legal or regulatory purposes.

When personal data is no longer required for those purposes, we will take reasonable steps to:

cease retaining the personal data; or
remove the means by which the personal data can be associated with particular individuals,

where appropriate and in accordance with applicable requirements.

13. Accuracy of Personal Data

We will make reasonable efforts to ensure that personal data collected by or on behalf of Graham Works is accurate and complete where the data is likely to be used to make a decision affecting you or disclosed to another organisation.

You are encouraged to inform us if your personal information changes or if you believe information held by us is inaccurate.

14. Access and Correction

Subject to applicable law and exceptions under the PDPA, you may request:

access to personal data about you that is in our possession or under our control; and/or
correction of an error or omission in your personal data.

Requests may be submitted to our Data Protection Officer using the contact information provided below.

We may require reasonable information to verify your identity and understand the scope of your request before processing it.

Where permitted under applicable law, a reasonable fee may be charged for certain access requests. Where applicable, we will inform you of the estimated fee before processing the request.

15. Withdrawal of Consent

Where we rely on your consent to collect, use or disclose personal data, you may withdraw that consent by providing reasonable notice to us.

Before processing your withdrawal, we may inform you of the likely consequences of withdrawing consent.

Depending on the nature of your request, withdrawing consent may affect our ability to provide certain services, resources or communications to you.

Withdrawal of consent does not affect any collection, use or disclosure of personal data that was lawfully carried out before the withdrawal.

To withdraw consent, please contact our Data Protection Officer using the details provided below.

16. Personal Data Breaches

Graham Works takes reasonable steps to prevent unauthorised access to, collection, use, disclosure, copying, modification, disposal or similar risks relating to personal data.

If a personal data breach occurs, we will assess the incident and take appropriate action in accordance with applicable requirements under the PDPA.

Where notification to affected individuals and/or the Personal Data Protection Commission of Singapore is required, we will make such notifications in accordance with applicable legal requirements.

17. Third-Party Websites

Our website, educational resources or communications may contain links to websites, services or resources operated by third parties.

Graham Works is not responsible for the privacy practices, content or security of websites or services operated by third parties.

We encourage you to review the privacy policies and terms of third-party websites before providing personal data to them.

18. Children's Personal Data

Our website and general educational resources are primarily intended for adults.

If we conduct programmes or activities involving children or young persons, we will take reasonable steps to handle their personal data appropriately and obtain consent where required under applicable law and circumstances.

19. Changes to This Privacy Policy

Graham Works may update this Privacy Policy from time to time to reflect changes to our:

business practices;
technologies;
programmes and services;
legal obligations; or
regulatory requirements.

The latest version will be published on our website together with the date on which it was last updated.

We encourage you to review this Privacy Policy periodically.

20. Data Protection Officer

Graham Works Pte. Ltd. has designated a Data Protection Officer to oversee matters relating to the protection of personal data.

If you:

have questions regarding this Privacy Policy;
have questions regarding how Graham Works handles your personal data;
wish to withdraw your consent;
wish to request access to your personal data;
wish to request correction of your personal data; or
wish to make a privacy-related enquiry or complaint,

please contact:

Data Protection Officer
Aaron Graham Tay
Graham Works Pte. Ltd.

Email: aarontay@grahamworks.sg

Please provide sufficient information for us to identify you, understand your request and respond appropriately.

Important Notice

Information, tools, scorecards, articles, workshops and other materials provided by Graham Works Pte. Ltd. are intended primarily for general educational purposes.

They should not, by themselves, be regarded as personalised financial, investment, legal, tax or other professional advice.

Where professional advice is required, individuals should obtain advice appropriate to their circumstances from suitably qualified professionals.

Graham Works Pte. Ltd.

Financial Education • Estate Planning • Family Wealth Stewardship