This Policy statement was last updated on 9 Oct 2014.

The Institute of Banking & Finance ("we", "our", "us" or "IBF") is committed to respecting and protecting your personal data. This Personal Data Protection Policy ("Policy") sets out the basis on which we collect, use, disclose, store and/or process your personal data. It applies to personal data in our possession or under our control. Please read the following carefully to understand our practices regarding your personal data and how we handle it. By continuing to visit and use this website, you confirm that you understand and consent to the terms of this Policy.



  1. We collect various types of personal data. As used in this Policy, "personal data" means data, whether true or not, about an individual who can be identified: (a) from that data; or (b) from that data and other information to which we (and all our affiliates, partners, subsidiaries and all relevant third parties mentioned in this Policy) have or are likely to have access. Personal data includes, without limitation, an individual's name; address; telephone numbers; email addresses; date of birth; gender; nationality; marital status; passport number, date and place of issue; personal identification number; driver's licence number and expiration; photographs and other audio-visual material; employment information; payment information; credit and debit card numbers; marketing preferences; preferred communication methods; and any other types of information that you choose to provide to us or that we may collect about you through your interactions with us and our affiliates, partners and subsidiaries.
  2. We may collect personal data by way of the information that you provide to us on our website or by any other means. We may also collect your personal data from our partners and other independent third party sources (e.g. management representatives of financial institutions, IBF-accredited training providers).


  4. We may automatically collect the following information about you in connection with your visit(s) to our website:
    • technical information, including the Internet Protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
    • information about your visit, including the full Uniform Resource Locators (URL) visited; date and time of visit; products or services you viewed or searched for; page response times; download errors; length of visits to certain pages; page-interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.

  5. When you visit our website, we may assign your computer (or any other device) with cookies (which are small text files created on your computer or device), Local Shared Objects (also known as flash cookies, which can store data more complex than simple text) and Web Beacons (tiny graphics with a unique identifier that are placed in the code of a webpage) (collectively, "Cookies"). By accessing our website, you agree that we can place Cookies on your computer or device.
  6. The Cookies that we place on your computer or device may be used to facilitate your access to our website, gather statistical data, and personalise your online experience. We currently use Cookies on our website for purposes including, but not limited to, detecting your web browser's multimedia capabilities, recognising you as a previous visitor and saving your website user preferences, maintaining login and password details on secure portions of the website, monitoring the traffic patterns of our website users, tracking which emails have been opened by you, and providing a unique identifier to your computer so that we can generate statistics regarding website usage.
  7. You have the option of adjusting your browser settings to restrict or limit the use of various Cookies. However, if you choose to do so, the functionality of the website and your user experience may be affected.

  9. We currently use and/or may in the future use your personal data for any purpose not prohibited by applicable law. This includes, but is not limited to, the following purposes:
    • to verify your identity;
    • to manage the online account that you may have set up with us;
    • to communicate with you and to process and respond to your questions and comments;
    • to process and review any applications that you may submit to us;
    • to contact you regarding any industry engagements;
    • to inform and invite you to upcoming IBF events;
    • to provide you with and allow you and other relevant third parties to verify information regarding any records you may hold with IBF (e.g. training, funding, examination records, amongst others);
    • to suggest training and other competency programmes which may be of interest to you;
    • to perform data analytics for management reporting and generation of customised reports;
    • to register you for examinations and to carry out all functions necessary to enable you to sit for such examinations;
    • to prepare aggregated examination and industry reports which may be disclosed, where necessary, to relevant examination boards, industry workgroups, and regulators;
    • to evaluate your eligibility and determine the quantum of any training grants that may be granted;
    • to process and evaluate job applications that you may send to us;
    • to keep you updated on latest developments at IBF;
    • to comply with a court order or other legal process or other statutory and/or regulatory requirements of any governmental and/or regulatory authorities;
    • in exceptional circumstances, such as a national emergency, security concern, or other situation in which we in our sole discretion deem to be prudent; and
    • any other purpose permitted by applicable law, or as may be described to you from time to time at the point of collection of your personal data.
    • (collectively, "Purposes")


  10. We may share your personal data (including your name, the organisation that you belong to, photographs, examination results, certification status and CPD status), with and among other affiliates, partners and subsidiaries, or with unaffiliated third parties including our third-party service providers, prospective and/or current employers, and the relevant governmental and/or regulatory authorities, whether in Singapore or abroad, for the aforementioned Purposes. Some of your personal data may also be posted on our website. Please contact our Data Protection Officer at the address indicated below if you wish to have your personal data removed from our website.

  12. In situations where we transfer your personal data to countries outside of Singapore, we will take steps to ensure that appropriate levels of protection necessary to maintain the security and integrity of your personal data are in place.

  14. If you do not want your personal data to be collected, used, and/or disclosed by us in the aforementioned manner, you may withdraw your consent by writing to our Data Protection Officer at the address indicated below. Please note that we may not be able to continue to provide you with services, in the event that you choose to withdraw your consent.

  16. If you wish to access or correct any of your personal data, please contact our Data Protection Officer at the address indicated below. Please note that a fee may be payable on access requests made.

  18. Personal data may be retained by us for as long as the purpose for which the personal data was collected continues, or if the retention is necessary for our legal or business purposes, even in circumstances where you have closed your account with us. We will cease to retain personal data once we have no reason for doing so.

  20. We take reasonable care and have implemented technical, procedural and other measures to protect your personal data from unauthorised access, improper use or disclosure, unauthorised modification, unlawful destruction or accidental loss.

  22. We may update this Policy from time to time without prior notice by posting a new version on this website. You should check this page regularly to ensure that you are familiar with any changes.
  23. Your continued use of our website and continued dealings with us for the provision of our products and services, after any changes to this Policy has been made, constitutes your acceptance to such changes.

  25. If you have any questions in relation to how your personal data is handled by us, please contact our Data Protection Officer at