Effective date: 5 September 2026

1. Introduction

SpeakFirstCo respects your privacy.

This Privacy Policy explains how personal data may be collected, used, disclosed and protected when you visit our Payhip store, purchase a SpeakFirstCo digital product or contact us regarding your purchase.

SpeakFirstCo is a sole proprietorship based in Singapore and is subject to applicable Singapore data-protection requirements, including the Personal Data Protection Act 2012 ("PDPA").

2. Data Protection Contact

SpeakFirstCo's Data Protection Officer may be contacted at:

Data Protection Officer

SpeakFirstCo

Email: projectbeyond.ex@gmail.com

The Singapore PDPA requires organisations to make information about their data-protection practices available and designate a DPO whose business contact information is publicly available.

3. Personal Data We May Receive

Depending on how you interact with the store, SpeakFirstCo and the service providers operating the store may process information including:

Purchase and identity information

your email address;

your first and last name, if collected at checkout;

your country or location where required for transaction or tax purposes;

products purchased;

purchase date;

transaction amount;

currency;

refund or transaction status; and

relevant order information.

Technical information

Payhip may automatically process technical information such as:

IP address;

browser information;

device information;

operating-system information;

pages or store activity; and

cookie information.

Communications

If you contact SpeakFirstCo for customer support, we may retain your email address and the contents of your communication for the purpose of resolving your request.

Payment information

Payments are processed through payment providers such as Stripe and PayPal.

SpeakFirstCo does not receive or store your full payment-card number or payment-service password.

Payhip confirms that buyers' full payment details are handled by payment providers rather than being provided to sellers.

4. Why We Use Personal Data

We may use personal data where reasonably necessary to:

process and fulfil your order;

deliver your digital files;

provide purchase receipts and order-related communications;

verify transactions;

provide customer support;

restore access to purchased files;

administer refunds where applicable;

maintain business and accounting records;

comply with tax and legal obligations;

investigate misuse, fraud, chargebacks or unauthorised distribution;

protect our legal rights; and

maintain the security and operation of our store.

Where required by applicable law, we rely on an appropriate legal basis such as performance of a contract, compliance with legal obligations, legitimate business interests or your consent.

5. Marketing

SpeakFirstCo does not currently operate an email marketing list or automatically subscribe purchasers to promotional marketing emails.

Purchasing a workbook does not by itself mean that you have agreed to receive marketing emails from SpeakFirstCo.

If we introduce newsletters, lead magnets or promotional email marketing in the future, we will update our practices and, where required, request appropriate consent.

6. How We Share Personal Data

SpeakFirstCo does not sell your personal data.

Personal data may be processed or disclosed to service providers where reasonably necessary to operate the store, including:

Payhip

Provides the storefront, checkout infrastructure and digital-product delivery.

Stripe

May process card and other supported payment transactions.

PayPal

May process PayPal and related payment transactions.

We may also disclose information where required by law, a court, regulator, tax authority or other competent authority, or where reasonably necessary to establish or protect legal rights.

These third parties have their own privacy practices and may process personal data independently from SpeakFirstCo.

7. International Data Transfers

SpeakFirstCo is based in Singapore, while Payhip, Stripe, PayPal and other service providers may process data in other countries.

Where SpeakFirstCo transfers personal data outside Singapore, we will take reasonable steps required by applicable law to ensure that appropriate protection applies.

The Singapore PDPA includes a Transfer Limitation Obligation requiring appropriate protection when personal data is transferred overseas.

8. Cookies

Our store is hosted by Payhip.

Payhip uses cookies and similar technologies to operate its platform. These may include:

strictly necessary cookies required for functions such as checkout;

security or authentication cookies; and

analytics cookies used to understand store traffic and use.

SpeakFirstCo does not currently use separate advertising pixels such as Meta Pixel or TikTok Pixel, or third-party analytics tools such as Google Analytics.

Payhip nevertheless uses its own cookies and provides store owners with controls for cookie consent and analytics tracking.

You may also be able to control cookies through your browser settings, although disabling necessary cookies can affect store functionality.

9. Data Retention

We retain personal data only for as long as reasonably necessary for purposes such as:

fulfilling orders;

providing customer support;

maintaining transaction records;

complying with accounting, tax and legal obligations; and

resolving disputes.

Where information is no longer required for a business or legal purpose, we will take reasonable steps to delete, anonymise or cease retaining it where it is within our possession or control.

Payhip may separately retain transaction and platform information under its own privacy and legal-retention requirements. Payhip states, for example, that certain transaction data relating to EU VAT may be retained for 10 years.

10. Security

We take reasonable precautions to protect personal information within our possession or control from unauthorised access, collection, use, disclosure, modification or loss.

However, no online system can be guaranteed to be completely secure.

Payment-card information is handled through third-party payment providers rather than being stored directly by SpeakFirstCo.

11. Your Privacy Rights

Depending on the laws that apply to you, you may have rights including the right to:

request access to personal data held about you;

request correction of inaccurate data;

withdraw consent where processing depends on consent;

request deletion where applicable;

object to or restrict certain processing where applicable;

request information about how your data has been used or disclosed;

request data portability where applicable; and

complain to an applicable data-protection authority.

Under Singapore's PDPA, organisations must provide mechanisms for access and correction and allow consent to be withdrawn where applicable.

Some rights are subject to exceptions. For example, we may need to retain transaction information where required by tax, accounting or other laws.

To make a privacy request, contact [SUPPORT EMAIL].

12. European and UK Customers

If applicable European or UK data-protection laws apply to your interaction with us, additional privacy rights may be available to you.

Where consent is relied upon, it must be freely given and capable of being withdrawn.

You may also have the right to complain to the data-protection regulator responsible for your country.

13. Children and Teenagers

SpeakFirstCo's educational materials may be suitable for teenagers.

However, the store is not designed for the purpose of deliberately collecting unnecessary personal information from children.

Where a purchaser is not legally able to enter into a purchase contract or independently provide any consent required by applicable law, a parent or legal guardian should make or authorise the purchase.

14. Automated Decision-Making

SpeakFirstCo does not currently use automated decision-making, AI-based customer profiling or automated recommendations on its store.

AI may be used in the creation of certain educational audio resources, but this is not used to make decisions about customers or process customer personal data.

15. Changes to this Privacy Policy

We may update this Privacy Policy when our technology, service providers, business activities or legal obligations change.

Any updated version will be published with a revised effective date.

16. Contact

For privacy questions or requests:

Data Protection Officer

SpeakFirstCo

Singapore

Email: [SUPPORT EMAIL]

Individuals may also contact or make complaints to Singapore's Personal Data Protection Commission where appropriate.

3. DIGITAL PRODUCT & REFUND POLICY

I recommend making this a separate, short page because buyers are much more likely to read it before purchasing.

SpeakFirstCo Digital Product & Refund Policy

Effective date: 5 September 2026

SpeakFirstCo sells digital educational products, including PDF workbooks and audio files.

Because digital products can be accessed and retained immediately after purchase, the following refund policy applies.

Digital Downloads

After successful payment, your digital files will normally be made available immediately through Payhip.

Please ensure that:

your email address is entered correctly;

your device can open PDF and common audio-file formats; and

you download and save your files after purchase.

Refunds After Download

Once a digital product has been downloaded or accessed, purchases are generally final and non-refundable.

This is because digital files cannot meaningfully be "returned" once access has been provided.

This policy does not affect any refund, cancellation or consumer rights that cannot legally be excluded in your country.

Before Download

If you purchased a product by mistake and have not downloaded or accessed it, contact us promptly at projectbeyond.ex@gmail.com.

Requests will be reviewed individually. Approval of a refund is not guaranteed unless required by applicable law.

Faulty or Incorrect Files

If:

your download is corrupted;

you receive the wrong file;

an included file is missing; or

you cannot access your purchase because of a technical problem,

please contact us.

We will normally first attempt to fix the problem, restore your access or provide the correct replacement file.

Where the issue cannot reasonably be corrected, we will consider an appropriate remedy, including a refund where required by applicable law.

Change of Mind

Refunds are generally not provided after download simply because:

you changed your mind;

you no longer want to study Korean;

you did not use the product;

the product was not completed;

you expected a different learning outcome despite the product matching its description; or

you later found another learning resource you prefer.

Please review the product description and any available previews before purchasing.

Learning Outcomes

Purchasing a SpeakFirstCo product does not guarantee fluency or a particular level of Korean-language ability.

Learning outcomes depend on factors including practice, consistency and individual circumstances.

Unauthorised Sharing

Receiving a refund does not grant permission to retain, distribute or share copies of SpeakFirstCo products.

All products remain subject to the personal-use licence in our Terms & Conditions.

Contact

For purchase issues: projectbeyond.ex@gmail.com