Privacy policy

  1. 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:
            1 (a)     from that data; or
            1 (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:
  1. your full name, email address & our telephone number (s) & any other information relating to you &
  2. personal data of your family members, such as next of kin, spouses & children or other beneficiaries
  1. Purpose of Collection of Personal Data
2.1       Such personal data will be collected, used, disclosed &/or processed for purpose (s) such as:
  1. providing product advise specific to the content on our website.
  2. keeping you informed of new products which may be relevant to you
  3. compliance monitoring & audit reviews; due diligence checks &
  4. 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.
  1. 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):
  1. our business partners;
  2. to third party service providers we may engage to provide services such as marketing and research,                                        telemarketing, printing mail distribution, information technology & disaster recovery;
  3. regulators or law enforcement agencies to comply with applicable laws or regulation or upon their valid                                 request.
  4. marketing/optional purposes
  1. Communication
4.1       From time to time, we may contact you via mail, electronic mail or telephone (call or SMS-Text), to inform you    about new products, services and events that we think may be of interest to you.
4.2       You can let us know at any time by emailing us if you no longer wish to receive marketing materials & we will      remove your details from our direct marketing database.
4.3       Please note that we may still send you non-marketing messages such as surveys, customer-service notices &       other service related notices.
  1. Use of Cookies
5.1       A ”cookie” is a small piece of information that is placed on your computer when you visit crtain websites.
5.2       Cookies are used by the computer to remember your browsing preference, keep track of your interaction with   the website & collecting data for access   analytics purposes.
  1. Protection of your Personal Data
6.1       Your Personal Data are protected from unauthorised access, collection, use, disclosure, copying, modification,    disposal or similar risks by having reasonable safeguards in place that are appropriate to the sensitivity of the        data
  1. Change of Policy
7.1       May revise & update the Policy to take into account changes in our business &/or any changes in legal or            regulatory requirements.
  1. 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.