Your Personal Data

The Personal Data Protection Act 2012 of Singapore (PDPA) governs the collection, use & disclosure of individuals’ personal data by organisations in a manner that recognises both the right of individuals to protect their personal data and the need of organisations to collect, use & disclose personal data for purposes that a reasonable person would consider appropriate in the circumstances.

Personal data is defined in the PDPA as ‘data, whether true or not, about an individual who can be identified:

(a) from that data; or

(b) from that data & other information to which the organisation has or is likely to have access.”

1.1 Examples of such personal data that may be collected from you include but are not limited to:

• • Your full name, email address & telephone number(s), and any other information relating to you
  • Personal data of your family members, such as next of kin, spouses, children, or other beneficiaries

2. Purpose of Collection of Personal Data

2.1 Such personal data will be collected, used, disclosed &/or processed for purpose(s) such as:

• • Providing product advice specific to the content on our website
  • Keeping you informed of new products which may be relevant to you
  • Compliance monitoring & audit reviews; due diligence checks
  • Compliance with any applicable laws & regulations

Third party personal data (such as spouse, children & parents) provided by you for the purpose of, but not limited to, the fact find process or naming as beneficiaries/life assureds in any policy application, is deemed that you have obtained consent from the third party.

3. Disclosure of Personal Data

3.1 We will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be disclosed to the following groups (not an exhaustive list):

• • Our business partners
  • Third-party service providers we may engage (e.g., marketing, research, telemarketing, printing, mail distribution, IT & disaster recovery)
  • Regulators or law enforcement agencies to comply with laws or valid requests

4. Communication

4.1 From time to time, we may contact you via mail, email, or telephone (call or SMS-Text) to inform you about new products, services, and events of interest

4.2 You may email us at any time if you no longer wish to receive marketing materials and we will remove you from our direct marketing database

4.3 We may still send you non-marketing messages such as surveys, customer-service notices, and other service-related updates

5. Use of Cookies

5.1 A “cookie” is a small piece of information placed on your computer when you visit certain websites

5.2 Cookies help remember your browsing preferences, track interaction with the website, and collect access analytics data

6. Protection of your Personal Data

6.1 Your Personal Data is protected from unauthorised access, collection, use, disclosure, copying, modification, disposal, or similar risks by implementing safeguards appropriate to the data’s sensitivity.

7. Change of Policy

7.1 We may revise and update this Policy to reflect changes in our business and/or legal or regulatory requirements.

8. Contact Information

8.1 If you have any questions or comments regarding the Policy, please contact us.

In relation to one or more of the above purposes, I consent to my Personal Data being disclosed to independent third parties & their representatives and such third parties processing my Personal Data.