Privacy Policy

1 Introduction

MRFO ("MRFO", "we", "our" or "us") respects the privacy of individuals who visit our website, use our online services, submit enquiries, apply for fellowship programmes, participate in admission processes or otherwise communicate with the organisation.

This Privacy Policy describes the categories of personal information that may be collected through the MRFO website and associated digital services, the purposes for which such information may be used, the circumstances in which information may be shared, and the measures adopted to protect information.

By accessing or using this website and voluntarily providing personal information through forms, applications, enquiries, payment processes or other communication channels, you acknowledge that you have read and understood this Privacy Policy.

2 Information We Collect

Depending on how you interact with MRFO, we may collect information that is necessary to provide services, process applications, respond to enquiries, maintain records and operate our website.

• Identity Information: Name, date of birth, gender where required, photograph and other information provided during registration or application.
• Contact Information: Email address, mobile number, residential address, correspondence address and other contact details.
• Academic Information: Educational qualifications, institution, examination details, professional qualifications, registration details and other information relevant to fellowship eligibility.
• Application Information: Fellowship programme selected, application details, documents, declarations and information submitted during the admission process.
• Transaction Information: Application reference number, payment status, transaction reference, order information and other payment-related records.
• Communication Information: Messages, emails, support requests, feedback and information voluntarily shared with our authorised representatives.
• Technical Information: IP address, browser type, device type, operating system, approximate location, referring pages and technical information generated when accessing the website.

3 How We Use Your Information

Information collected by MRFO may be used only for legitimate operational, administrative, academic, admission, communication, security or legal purposes connected with the services provided through the website.

• To create and manage online applications.
• To process fellowship and admission requests.
• To verify eligibility and submitted information.
• To communicate application updates, notices, deadlines and important information.
• To process and verify application-related payments.
• To provide applicant and user support.
• To maintain institutional and administrative records.
• To prevent fraud, misuse, unauthorised access and security incidents.
• To monitor website performance and improve usability.
• To comply with applicable legal, regulatory and governmental requirements.

4 Admission & Fellowship Information

MRFO may operate an online admission and fellowship application portal through which applicants can submit their basic details, select a fellowship programme, provide academic or professional information and complete applicable payment requirements.

Information submitted through an application may be reviewed by authorised personnel for eligibility verification, application processing, admission administration, communication and record maintenance.

Applicants are responsible for ensuring that the information and documents submitted by them are accurate, complete, current and legally obtained. Applicants should not submit information belonging to another person unless they are legally authorised to do so.

Where academic classes, learning management systems, examination systems or other services are provided through a separate platform, information may be transferred or made available to that platform only where necessary for the relevant service or administrative purpose.

5 Payments & Financial Information

Certain fellowship programmes, applications, registrations or services may require payment of applicable fees.

Payments may be processed through third-party payment gateways or financial service providers. Payment providers may independently collect and process financial information in accordance with their respective terms and privacy policies.

MRFO does not intend to store complete debit card numbers, credit card numbers, CVV information, banking passwords or other sensitive authentication credentials on its application servers.

MRFO may retain transaction references, payment status, amount, order or application reference and gateway-generated identifiers where necessary for reconciliation, accounting, support, refund processing, dispute resolution and legal compliance.

6 Sharing & Disclosure of Information

MRFO does not intend to sell personal information for monetary consideration. Information may, however, be shared with authorised parties when reasonably necessary to provide services, operate the website, process applications, maintain security or comply with legal obligations.

• Service Providers: Hosting, infrastructure, email, messaging, payment, analytics and technical service providers may process information on behalf of MRFO.
• Authorised Personnel: Relevant MRFO personnel may access information where required for admission, administration, support or other legitimate functions.
• Legal Authorities: Information may be disclosed where required by applicable law, lawful order or competent governmental authority.
• Security & Fraud Prevention: Information may be shared where reasonably necessary to investigate fraud, abuse, security incidents or unlawful activity.

7 Cookies & Website Analytics

The MRFO website may use cookies, local storage, session technologies and similar mechanisms to maintain website functionality, remember certain preferences, improve security and understand website usage.

Analytics technologies may provide information such as pages visited, approximate session duration, browser information, device type and general website usage patterns.

You may control or disable cookies through your browser settings. Certain website functionality may not work correctly if essential cookies are disabled.

8 Data Security

MRFO takes reasonable administrative, technical and organisational measures to protect personal information against unauthorised access, accidental loss, misuse, alteration, disclosure or destruction.

Depending on the nature of the information and service, security measures may include access controls, authentication mechanisms, restricted administrative access, secure communication, server-level protection, backups and monitoring.

Access to personal information is intended to be limited to authorised individuals and service providers who require such information for legitimate purposes.

9 Data Retention

MRFO retains personal information only for as long as reasonably necessary for the purpose for which it was collected, including application processing, institutional record keeping, support, accounting, dispute resolution, security and compliance with applicable legal requirements.

Different categories of information may therefore be retained for different periods depending on their purpose and applicable obligations.

When information is no longer required, MRFO may delete, anonymise, archive or otherwise dispose of the information in accordance with applicable requirements and internal procedures.

10 Your Privacy Rights

Subject to applicable law and the circumstances of processing, individuals may have rights relating to their personal information, including the ability to request information about processing, correction of inaccurate information and deletion of information where legally applicable.

• Request access to applicable personal information held by MRFO.
• Request correction or updating of inaccurate or incomplete information.
• Request deletion or erasure where applicable under law and where retention is not required.
• Raise a privacy-related concern or grievance through the appropriate communication channel.
• Where processing is based on consent, request withdrawal of consent subject to applicable legal and operational limitations.

To protect applicants and users from unauthorised requests, MRFO may require reasonable verification of identity before acting on a request.

11 Third-Party Websites & Services

The MRFO website may contain links to external websites, payment gateways, social media platforms, communication services, academic platforms, document services or other third-party resources.

Once you leave the MRFO website and access an external service, that service may collect and process information according to its own terms, policies and practices.

MRFO does not control the privacy practices, security measures or content of independent third-party services and recommends that users review the privacy policy of any external service before submitting personal information.

12 Communications

MRFO may use the contact information provided by an applicant or user to communicate regarding an application, payment, admission, fellowship programme, document verification, support request, notice, deadline, security issue or other service-related matter.

Certain communications may be necessary for completing a requested service and may therefore continue even where a user has opted out of non-essential communications.

Users should ensure that their registered email address and mobile number remain accurate so that important communications are not missed.

13 Children & Minor Applicants

Certain educational or fellowship services may have specific eligibility requirements relating to age or professional qualification. Applicants should provide information only where they are permitted to do so under applicable law and the relevant programme requirements.

Where an application involves a minor or another individual who cannot lawfully provide information independently, the required parent, guardian or authorised representative should complete or supervise the applicable process where required.

14 Accuracy of Information

Users and applicants are responsible for providing accurate, complete and current information. Submission of incorrect, misleading, fraudulent or unauthorised information may affect the processing of an application or access to a service.

If you identify an error in information previously submitted to MRFO, you should contact the organisation through the official communication channel so that the information can be reviewed and corrected where appropriate.

15 Changes to This Privacy Policy

MRFO may update this Privacy Policy from time to time to reflect changes in website functionality, admission processes, services, technology, organisational practices or applicable legal and regulatory requirements.

The updated version will be published on this page together with an updated effective or revision date, where appropriate.

Users are encouraged to review this page periodically to remain informed about how personal information is handled.

16 Contact & Privacy Enquiries

If you have questions about this Privacy Policy, believe that your personal information has been handled incorrectly, or wish to raise a privacy related request or grievance, you may contact MRFO using the official contact details below.