Revised: 01.12.2024

This Privacy Policy is hosted by Insing Assurance Agency on behalf of the business whose website directed to this page (“Business”). The references to “we”, “our”, and “us” and “Site” refer to the Business and its website, respectively.

Your information privacy is important to us. We provide this Privacy Policy to explain how we collect, use, protect, and disclose information and data when you use the website on which this policy is posted (“Site”) and related services offered through the Site (“Services”). This Privacy Policy applies to all users of the Site and Services.

This Privacy Policy is specific to this Site—it does not apply to any of our other websites or other online or offline services provided by us.

BY USING THE SITE OR SERVICES, YOU ARE CONSENTING TO THIS PRIVACY POLICY. PLEASE READ IT CAREFULLY.

1. Personal Information We Collect
We may collect the following categories and types of “Personal Information”:
  • Contact Information: your first and last name, mailing address, email address, and phone number;
  • Other identifying information: IP address, social media usernames, passwords, and other security information for authentication and access;
  • Financial Information: credit card, debit card, and bank account information;
  • Demographic information: gender, age, employment information, and salary information;
  • Geolocation data;
  • Internet or other electronic activity: your browsing, search, and click history, including information about how you navigate within our Site and Services and which elements of our Site and Services you use the most;
  • Commercial information: products or services purchased or viewed on our Site;
  • Audio and visual information: your videos and photos;
  • Inferences drawn from the categories described above: in order to create a profile about you to reflect your preferences, characteristics, behaviour, and attitude;
2. How We Use Personal Information
We may use your Personal Information for the following categories of use:
  • Transactional Purposes: We may use your contact information, financial information, and commercial information to:
    • Receive, process, confirm, send and track your order, subscription or registration;
    • Communicate with you about your order, subscription or registration;
    • Process any subscription or registration you make to one of our Services.
  • Analytical Purposes: We may use your other identifying information, internet activity and browsing history, commercial information, demographic information, and geolocation data to analyse preferences, trends and statistics.
  • Marketing and Promotional Purposes: We may use your contact information, commercial information, demographic information, internet or other electronic activity, geolocation data and inferences to:
    • Inform you of our new products, services and offers;
    • Provide you with targeted advertising;
    • Run competitions and promotions;
    • Provide you with our loyalty program including earning points and awarding and redeeming certificates;
    • Provide you with other information from and about us, including personalised marketing communications.
  • Maintenance and Improvement of the Site and Services: We may use your contact information, commercial information, and internet activity and browsing history to:
    • Provide you with the Site and Services, including to send you alerts about your account;
    • Handle your customer services requests;
    • Help us diagnose technical and service problems and administer our stores, the Site, and the Services.
  • Review and content creation purposes: We may use your contact information, commercial information, and audio and visual information to enable reviews of our products and to display content that you have created and allowed us to display on our Site and Services and on social media.
  • Security and Fraud Prevention: We may use your contact information, other identifying information, commercial information, internet activity and browsing history, and inferences to protect the Site and services, our Business, and others and to prevent fraud, theft and misconduct.
  • Legal Requirements and Other Purposes: We may use your personal information to comply with legal requirements or when necessary to provide to our lawyers, accountants or other advisors. We may also use your personal information for other purposes for which you have consented to, or for other purposes as permitted by law. This may include for a secondary purpose that is related to a purpose for which we collected it, and for which you would reasonably expect us to use your information for.
3. Sources of Personal Information
We may collect Personal Information from the following sources:
  • We collect information directly from you. We may collect contact, demographic and financial information directly from you, including when you fill out a form on our Site, sign up for communications from us, or ask us to contact you. The information that we collect depends on the nature of your interactions with us.
  • We collect information from our Service Providers. We collect information from our Service Providers (defined below) that collect certain Personal Information from or about you on our behalf, such as an analytics software or platform that we use to measure and analyze traffic to the Site, the Services or interaction with our ads. For example, our Service Providers may capture certain usage data to provide and analyze a “session replay” of your activities on the Site, which allows us to optimize the Site and the Services. The session replay may record, for example, clicks, mouse movements, scrolling, typing, navigation through the Site and the technical specifications of your device.
  • We collect information from other third-party sources. We may also collect information about you from third-party sources, including any information you make publicly available on social media platforms or other online or offline resources, or when you give us consent to link your account to a third-party service or provider.
  • We collect information from you passively. We may collect internet or other electronic activity passively using tools like browser cookies. This activity is further described in the Cookies and Advertising and Online Tracking sections below.
4. Categories of Third Parties We Share Personal Information With

Service Providers
From time to time, we may establish a business relationship with other businesses whom we believe trustworthy and who have confirmed that their privacy practices are consistent with ours (“Service Providers”). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, data storage and management, and marketing and promotions. We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by us.

Our Affiliates: We may share Personal Information with businesses controlling, controlled by, or under common control with us, where such affiliates or subsidiaries are acting as our Service Provider, or where required by law.

Corporate Transactions: If we merge, are acquired, or are sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information in connection with such transaction.

Compliance with Laws and Law Enforcement: We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information and any other information about you to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property, or rights of our company or of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

5. Privacy Notice Specific to Mobile Messaging

We will only use information you provide when opting into mobile messaging (the “Program”) to transmit your mobile messages and respond to you, if necessary. We do not sell, rent, loan, trade, lease or otherwise transfer any phone numbers or customer information collected through the Program to any third party for such third party’s marketing purposes or otherwise for such third party’s own benefit. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. This Section is strictly limited to the Program and has no effect on other provisions of this Privacy Policy that may govern the relationship between you and us in other contexts. To view our complete Mobile Messaging Terms and Conditions, please see the Terms of Use on our Site.

6. Cookies

We may use cookies (a small text file placed on your computer to identify your computer and web browser) and may use anonymous identifiers (a random string of characters that is used for the same purposes as a cookie). We may use cookies and other similar technologies to analyse use of and improve the Site and Services and as described in the Advertising and Online Tracking Section of this Privacy Policy. Most web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent, however, certain features of the Site or Services may not work if you delete or disable cookies. Some of our Service Providers (defined below) may use their own cookies, anonymous identifiers, or other tracking technology in connection with the services they perform on our behalf.
We may use Google Analytics on the Site and Services to analyse how users use the Site and Services, and to provide advertisements to you on other websites. For more information about how to opt out of having your information used by Google Analytics, visit https://tools.google.com/dlpage/gaoptout/.

7. Session Replay Technology

We use session replay technology on our Site. Session replay technology, also referred to as session playback or user experience (UX) replay, collects information regarding records and tracks your interactions with a website or application. It then transforms those logged user events (such as mouse movements, clicks, page visits, scrolling, tapping, etc.) into a reproduction of what you actually did on the website or application. We use session replays for quality control, customer service, fraud prevention and security, and marketing purposes. Our session replay technology is owned and operated by a third-party who acts as our service provider. The information collected by this technology may be collected by, transferred to, and stored by our third-party service provider.

8. ChatBot Technology

We use chatbots to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website or through our customer service hotline. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language as if it were a real person using a combination of pre-programmed scripts and machine learning algorithms. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept it isn’t programmed to understand; it will pass it to a human operator. If you use our chatbot service, we will collect any information you provide to us. We will also create and store a transcript of your chat interaction with us which will be shared with and stored by our third-party service provider. We use these transcripts and the information you provide for quality control, customer service, fraud prevention and security.

9. Advertising and Online Tracking

We may place advertisements and allow third-party companies to serve ads and collect certain information when you visit the Site. These companies may use certain information (e.g. click stream information, web browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this Site and other websites in order to provide advertisements about goods and services likely to be of interest to you. (i.e., for cross-contextual behavioral advertising). These companies may also collect information about your activities on our Site on your current device and combine it with information about your activities on other websites, mobile apps, and devices. These companies typically collect such information using server logs, cookies, web beacons, tags, pixels, mobile advertising IDs (such as Facebook cookies or Google's Advertising ID), cross-device linking, and similar technologies. They may match your browsers or devices if you log into the same online service on multiple devices or if your devices share similar attributes that support an inference that they are used by the same person or household. This means that information about your activity on websites or apps on your current browser or device may be combined and used with information collected from your other browsers or devices. These third party partners use this information for our and their own advertising, analytics, attribution, and reporting purposes.
Our systems do not recognise browser “Do Not Track” signals, but several of our Service Providers who utilise these cookies on this Site enable you to opt out of targeted advertising practices. To learn more about these advertising practices or to opt out of this type of advertising, you can visit www.networkadvertising.org or www.aboutads.info/choices/. Options you make are device specific.

10. Managing Your Information Preferences

You can opt out of receiving marketing e-mails from us by following the link provided at the bottom of all marketing e-mails you receive from us. You are able to opt out of receiving marketing e-mails from us, however, you cannot opt out of receiving all e-mails from us, such as e-mails about the status of your account.

11. Be Careful When You Share Information with Others
Others

Please be aware that whenever you share information on any public area of the Site or Services, that information may be accessed by others. In addition, please remember that when you share information in any other communications with third parties, that information may be passed along or made public by others. This means that anyone with access to such information can potentially use it for any purpose, including sending unsolicited communications. We cannot control and are not responsible for what such third parties may do with your information, so you should exercise caution when choosing to share it.

12. Security

We maintain physical, electronic, and procedural safeguards to help protect the confidentiality and security of information transmitted to us. However, no data transmission over the Internet or other network can be guaranteed to be 100% secure, and no security measures can provide absolute protection. As a result, while we strive to protect information transmitted on or through the Site or Services, we cannot and do not guarantee the security of any information you transmit on or through the Site or Services, or that you otherwise provide to us, and you do so at your own risk.

13. Links

Our Site and Services may contain links to other websites or allow others to send you such links. A link to a third party’s website does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party websites and are not responsible for their practices. You access such third-party websites or content at your own risk. You should always read the privacy policy of a third-party website before providing any information to the website.

14. Children’s Privacy

The Site and the Services are intended for and directed to a general adult audience. We do not knowingly collect Personal Information from children under the age of 16. If we become aware that we have inadvertently received Personal Information from a child, we will delete such information from our records.

15. Overseas Transfers

Please be aware that your Personal Information and communications may be transferred to and maintained on servers or databases located outside of Australia. Please be advised that we may process and store information overseas, including in the United States.

16. Privacy Policy Changes

We may change this Privacy Policy from time to time. If we decide to change this Privacy Policy, we will inform you by posting the revised Privacy Policy on the Site. Those changes will go into effect on the “Revised” date shown in the revised Privacy Policy. By continuing to use the Site or Services, you are consenting to the revised Privacy Policy.

17. Access and Correction

If you would like to access or correct your information in our records, please contact us on the contact information available on the Site. We will promptly respond to your request.

18. How to Contact Us / Complaints

If you have any questions regarding this privacy policy or concerns about the management of your personal information, you may contact us at the contact information available on the Site. We will aim to investigate and resolve your complaint as soon as possible, usually within 30 days of receiving it. If you are not satisfied with our response, you may lodge a formal complaint with the Office of the Australian Information Commissioner.

PLEASE PRINT A COPY OF THIS PRIVACY POLICY FOR YOU RECORDS AND PLEASE CHECK THE SITE FREQUENTLY FOR ANY CHANGES.

*The information provided on this website is for general informational purposes only and is not intended as financial, investment, or legal advice. We do not guarantee the accuracy, completeness, or timeliness of any content, nor do we assume responsibility for any errors or omissions. Any financial products or services mentioned should be considered alongside the relevant prospectus, brochure, or fact sheet. Always seek professional advice before making any financial decisions.

For more information, please visit Insing Assurance Compensation Page.

Contact:

51 Scotts Rd, 02-19, Singapore 228241

8585 6000

[email protected]

2024.Insing Assurance Agency.All rights reserved.

Disclosure and Disclaimers

Singapore Pte. Ltd. is registered with the Accounting and Corporate Regulatory Authority (“ACRA”) and holds a Direct Insurance Broker and Exempt Financial Adviser Licensed under the Financial Advisers Act. We are regulated by the Monetary Authority of Singapore (“MAS”).

Our company does not warrant in any way, whether express or implied, that the contents of this website meet the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, and/or accuracy.

Our company does not warrant that the functionality of the website and its services will be uninterrupted or error-free, that defects will be corrected or that the website and its services or the server that makes them available are free of any virus or other malicious, destructive, or corrupting code and programme.

By providing links to other sites, our company does not guarantee, approve, or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to this website. There are risks in using such information found on the Internet, and we caution you to understand such risks before relying, retrieving or downloading anything via the Internet.

Any reference to any product should be read in conjunction with the respective prospectus, brochure and/or factsheet. Nothing on this website shall be considered advice to buy or sell any product.

Any information stated are from reliable sources, however our company cannot and shall not be held liable for any inaccuracies, mistakes, omissions, errors, or miscalculations in this respect, including, in particular, information on investments for which values can fluctuate and past performance is not an indication of future performance.

All our Appointed Brokers and Representatives are trained to the highest standards and are fully qualified to provide insurance broking and/or financial advisory services. All Appointed Representatives have a Representative Number and are listed on the Public Registrar on the MAS website.

Neither Singapore Pte. Ltd. nor its Appointed Brokers and Representatives are tax advisers. Any reference to taxation, in any jurisdiction, is sourced from third party sources. Professional tax advice should always be sought independently.

COMPLAINTS HANDLING and RESOLUTION (CHR) PROCEDURES

Introduction

At Singapore Pte Ltd (“ SG”), we regard customer’s complaints to represent valuable information about recurrent problems. These complaints may point the way to understanding the root causes of customer problems and help SG target core processes that need improvement.

The Compliance Department (“Compliance”) is the independent unit within SG and will assess objectively each complaint by its own circumstances and merits. Compliance will deal with all complaints and feedback promptly within a reasonable timeframe.

SG will require all complainants to write in formally before any investigations can be carried out.

Application

This will apply to all customers of SG.

For products sold via online channels, this will apply if advice is given to retail customers.

Customers who meet the eligibility criteria for Accredited Investor (AI) status must be fully aware of the consequences of being treated as an AI. The safeguards in these regulations will not apply to AI customers. SG will give these group of AI customers with the choice to opt-out of being treated as an AI, if the customers choose to do so.

Five Steps on Handling Complaints

Compliance will work towards providing a final response to the complainant within 20 business days. If the case turns out to be of a nature that is complicated or even complex that requires an extension of time, which is likely to take beyond the 20 business days after receipt of the complaint, Compliance will send a request of extension of time to the relevant party.

The 5 steps are:

1. Receipt of complaints

When a formal written complaint is first received by SG via the usual channel (email, fax, letter), the complaint will be referred to Compliance.

If the complaint is made via a third party, Compliance will comply with the PDPA obligations and shall not discuss the case’s personal information / data further. Proper and adequate verification including express consent must first be obtained from the customer directly.

Compliance will verify and authenticate the identity of the complainant. Once this has been established, Compliance will email an acknowledgement to the complainant within two business days.

2. Initial checks to determine the nature of complaints

Compliance will look at the nature of the complaint and the expected outcomes stated by the complainant.

As part of the due diligence process, Compliance will retrieve the relevant documents and review them.

3. Interview

Compliance, if appropriate, will conduct the interview with the relevant parties separately and to get further information and verify the facts of the case. The objective is that the process should be seen to be independent, fair, and objective.

All concerned parties must cooperate with the Compliance Officer for the duration of the investigation by providing all documents and information to the case.

Compliance will attempt to seek a fair resolution to all the parties concerned.

4. Review

Compliance will assess all the investigation findings in a fair and objective manner and will attempt to conclude the investigation. The results will then be emailed to the complainant.

5. Conclusion

Compliance will then wait for the reply from the complainant. If the complainant is satisfied with the outcome, the complainant must send a notification to Compliance to close the case.

In the event if the complainant does not respond to Compliance after 2 weeks, the case will be closed.

Should the complainant wish to appeal, SG will inform the complainant on the proper escalation process (including the complainant’s right to refer the complaint to Financial Industry Disputes Resolution Centre Ltd (FIDReC).

Oversight of compliance

The Board and Senior Management shall be responsible for the oversight of Compliance.

The Compliance Officer will keep a central register of all complaints. All complaints will be reported to the Monetary Authority of Singapore (MAS) on a biannual basis.

All staff should note that it is important to report a complaint, potential complaint, or suspected complaint from a customer at any time and may do so initially either in person or by email to the Compliance Department.

Ways to contact us

Telephone: 6329 0990

Email: compliance@ .com

Address: 78 South Bridge Road, #05-01 TKH Building, Singapore 058708

All queries or complaints should include, at least, the following details:

  • Your full name and contact information,
  • Brief on background and the nature of your query or complaint,
  • The outcome you would like out of our investigations.

Changes to This Policy

We may update this policy from time to time. We will notify you of any changes by posting the latest procedures on our website. Please visit our website periodically to note any changes.

Changes to these procedures take effect when they are posted on our website.

FAIR DEALING

Singapore Pte. Ltd. endeavours to be professional and ethical in our business. Following ethical practices helps to achieve excellent customer service and maintain a reputable industry standing. In our pursuit, we commit ourselves entirely to advocating a fair dealing culture within our organisation. We engage qualified professionals and partner leading industry companies to provide our customers with quality financial advisory services to ensure fair dealing with all our customers.

  1. Through the actions of our Board and Senior Management, we are all committed to a corporate culture that focuses on the fair treatment of our customers. We align our policies and practices to the fair dealing principles. We want our customers to have confidence when they deal with us.
  2. Our products are endorsed through independent analysis and selection for the suitability in meeting our customers’ needs. We conduct stringent due diligence on all products that we want to distribute, to accurately identify the features and risk-reward characteristics for each product. By doing so, we ensure that the products and services we offer are suitable for our customers.
  3. We consistently train our staff and Representatives on their responsibilities to ensure fair treatment of our customers. We have regular structured training programmes to ensure that our staff and Representatives are competent to provide our customers with quality advice and suitable recommendations.
  4. We have in place marketing collaterals and tools aim to help our customers to receive clear, easy to understand, relevant, and timely information. This will ensure that our customers understand the product thoroughly and the risks involved before making an informed financial decision to purchase the product.
  5. We have established a Complaints Handling and Resolution procedures and we have in place effective channels for our customers to voice their concerns, feedback, or complaints. We want to ensure that our customers complaints are dealt with independently and in an effective and prompt manner.

We will continuously review and enhance our existing policies and processes, adopt good practices, and deliver fair dealing outcomes to our customers’ best interest. Our staff and Representatives are fully aware of the importance of customer-centric service and will apply the fair dealing principles to all our customers.

Changes to This Policy

This will be updated from time to time. We will notify you of any changes by posting the latest updates on our website. Please visit our website periodically to note any changes.

Changes to this takes effect when they are posted on our website.

DATA PROTECTION / PRIVACY NOTICE

Introduction

At Singapore Pte Ltd (“ SG”), we respect the privacy and confidentiality of the personal data of our clients / customers, associates, partners, and others whom we interact with in the course of providing our services. We are committed to implement policies, practices, and processes to safeguard the collection, use and disclosure of the personal data you provide us, in compliance with the Singapore Personal Data Protection Act (PDPA) 2012.

We have developed this Data Protection Notice to assist you in understanding how we collect, use, disclose, process, protect and retain your personal data that is in our possession.

Personal data refers to any information that can uniquely identify an individual person:

  • On its own or
  • When combined with other information.

Under the PDPA, business contact information (example, business name, business address, business telephone number) is not considered as personal data so long as it is used strictly for business-to-business (B2B) transactions.

How we collect your personal data

We collect your personal data through the following methods / channels:

  • When you wish to preview a product or service
  • When you leave your contact details online
  • When you register as a participant
  • When you indicate you wish to have follow-up with a salesperson
  • When you subscribe to an online portal
  • When you submit an application form
  • When you sign up for a service
  • When you respond to a marketing call for new product or service
  • Social Media such as Blog, Facebook, Twitter
  • When you make payment
  • When you send in your job application form
  • When you attend Webinars / Seminars via online platform where you need to register for attendance.

Types of personal data we collect about you

The types of personal data we collect about you may include:

  • Personal Contact Information (Name, Address, Phone Number, Email Address)
  • Personal Details (Name, Gender, Date of Birth, Country of Birth, Country of Residence, Citizenship, Race / Ethnicity)
  • Family Background and Details
  • Education and Professional Qualifications
  • Employment Details & History
  • Criminal Background / Past Offences
  • Personal Details
  • Medical Details / Health Information
  • Photos & Video Footage
  • Academic History
  • Financial Information

How we use your personal data

We use the personal data we have collected for one or more of the following purposes:

  • Provide updates on changes / notifications
  • Conduct credit checks, screenings or due diligence checks as may be required under applicable laws / regulations
  • Provide information to regulators / affiliates / associates about your credit worthiness
  • Provide information to affiliates / associates about your transaction
  • Process and administer insurance claims
  • Determine your financial status
  • Servicing of policies and accounts
  • Underwrite policies
  • Provide financial and advisory services
  • Offer you other insurance and financial services products that may suit your needs
  • Seek professional advice, including legal advice
  • Monitor and maintain a copy of your record of academic achievement (including all information arising from investigations of misconduct)
  • Analyze academic and learning outcomes and preferences
  • Prevent potential illegal activities
  • Determine eligibility for admission
  • Process applications, registrations, or enquiries
  • Conduct surveys relating to products and services
  • Plan the provision of educational courses
  • Analyze and data-mine to deliver better products and services
  • For purpose of marketing, promotions, and customer relationship management
  • Conduct market research and analysis
  • Conduct needs analysis and requirements
  • Provide information on events, conferences, seminars, or workshops
  • Conduct telemarketing activities
  • Conduct joint marketing with other companies and service providers
  • Analyze sales and marketing data
  • Send latest product announcements, updates, and upcoming events
  • Conduct lead generation activities
  • Conduct direct marketing activities
  • Notify you about products, services, or special offers
  • Notify you about enhancements to our services
  • Provide information about products and services
  • Benefits & compensation management
  • Payroll processing
  • Recruitment & selection
  • Personnel management
  • Staff Appraisals
  • Training & career development
  • Processing & administration of employment records
  • Comply with legal obligations and regulatory requirements
  • Manage and improve our business and operations to serve you better
  • Fulfil requests for products and services
  • Send information and updates
  • Verify your identity, and process orders and applications for services
  • Provide customer service and support
  • Investigate complaints, claims and disputes
  • Detect and protect against error, fraud, or other criminal activities
  • Internal purposes for accounting, auditing, and booking
  • Help improve products and services
  • Process payment for products and services
  • Update records in our database
  • Carry out our obligations arising from any contracts entered into between you and us
  • Enforce obligations owed to us
  • Fulfil orders and services
  • Respond to inquiries and provide customer services
  • Process contract renewals and upgrades
  • Provide security-related services
  • Develop, enhance, market, and provide products and services
  • Enforce terms and conditions of use
  • Analyze risk and business results
  • Process and administer employment records
  • Develop new applications, products, and services
  • Internal purposes for auditing, data analysis and research
  • Provide information to subsidiaries or partners that perform services
  • Delivery of products and services
  • Customer care and account management
  • Billing and payment processing
  • Analyze the use of our products, services, and sites
  • Obtain opinions, comments about products and services
  • Enhance customer experience
  • Respond to queries and feedback
  • Protect against or identify possible fraudulent transactions
  • Conduct risk assessment
  • Pass information about you to our representatives and associates to carry out services
  • Process applications and registration
  • Account payables / receivables
  • Sales commissions
  • Claims & disbursements
  • Income tax returns
  • Improve site and service performance and delivery
  • Analyze website visits
  • Provide usage of online services
  • Protect the security or integrity of our websites and our business
  • Communicate with customers, members, and website visitors
  • Manage website and social media platforms
  • Ensure content is presented in most effective manner

Who we disclose your personal data to

We may disclose some of the personal data we have collected to the following entities, organisations and 3rd parties outside SG so as to fulfill our services to you:

  • Banks and Finance Companies (Mortgage Referrals)
  • Insurance Companies
  • Investment Platforms
  • Various Law Enforcement Agencies for Security, Customs and Immigration Purposes
  • Regulatory Authorities (eg. Monetary Authority of Singapore (MAS), Personal Data Protection Council (PDPC), etc.)
  • Delivery, Freight and Courier Services
  • Email Vendors
  • Other Contracted Service Providers
  • Conference Organizers
  • Payroll Processing Services
  • Media and Other Publications
  • Sales Associates
  • Business Partners
  • Financial Advisors
  • External Parties (Recruiters, Auditors & Lawyers)
  • Complainants
  • Employees / Staff
  • Next-of-Kin / Guardians
  • Planning Research & Development Providers
  • Information Technology Service Providers
  • Legal Services
  • IT Support for Web Sites
  • Webhosting Companies
  • Outsourcing Vendors / Agencies
  • Third party vendors / Agencies

Where required to do so by law, we may disclose personal data about you to the relevant authorities or to law enforcement agencies.

How we manage the collection, use and disclosure of your personal data

  1. Obtain Consent

    Before we collect, use, or disclose your personal data, we will notify you of the purpose on why we are doing so. We will obtain written confirmation from you on your expressed consent. We will not collect more personal data than is necessary for the stated purpose.

    We will seek fresh consent from you if the original purpose for the collection, use or disclosure of your personal data has changed.

    Under certain circumstances, we may assume deemed consent from you when you voluntarily provide your personal data for the stated purpose (eg. when you apply for a job with us using our job application forms).

    We may rely on exceptions to the need for consent under the PDPA for the collection, use or disclosure of your personal data under the following circumstances:

    • The personal data is publicly available.
    • The personal data is disclosed by a public agency or disclosed to a public agency.
    • The personal data is necessary for any investigation or proceedings.
    • The personal data is necessary for evaluative purposes (eg. determining the suitability of a job applicant for the job applied for).
    • The personal data is necessary for the purpose of managing or terminating an employment relationship.
    • The personal data is necessary for a business asset transaction.
  2. Withdrawal of Consent

If you wish to withdraw consent, you should give us reasonable advance notice. We will advise you of the likely consequences of your withdrawal of consent (eg. without your personal contact information, we may not be able to inform you of future services offered by us).

Your request for withdrawal of consent can take the form of an email or letter to us, or through the “UNSUB” feature in an online service.

  1. Use of Cookies

    We use “cookies” to collect information about your online activity on our website. A cookie is a small text file created by the website that is stored in your computer to provide a way for the website to recognise you and keep track of your preferences. The cookie makes it convenient for you such that you do not have to retype the same information again when you revisit the website or in filling electronic forms.

    Most cookies we use are “session cookies”, which will be deleted automatically from the hard disk of your computer at the end of the session.

    You may choose not to accept cookies by turning off this feature in your web browser. Note that by doing so, you may not be able to use some of the features and functions in our web applications.

  2. Third Party Consent

If you do a transaction with us on behalf of another individual that will require you to provide that individual’s personal data to us, you must ensure that this individual has given his / her expressed consent to provide his / her personal data to us through you. We will require you to get a written confirmation from this individual that he / she has indeed given his / her expressed consent to you for us to collect, use or disclose his / her personal data.

How we ensure the accuracy of your personal data

We will take reasonable steps to ensure that the personal data we collect about you is accurate, complete, not misleading and kept up to date.

From time to time, we may do a data verification exercise for you to update us on any changes to the personal data we hold about you. If we are in an ongoing relationship with you, it is important that you update us of any changes to your personal data (such as a change in your mailing address).

How we protect your personal data

We have implemented appropriate information security and technical measures (such as data encryption, firewalls, and secure network protocols) to protect the personal data we hold about you against loss; misuse; destruction; unauthorised alteration/modification, access, disclosure; or similar risks.

We have also put in place reasonable and appropriate organisational measures to maintain the confidentiality and integrity of your personal data and will only share your data with authorised persons on a ‘need to know’ basis.

When we engage third party data processors to process personal data on our behalf, we will ensure that they provide sufficient guarantees to us to have implemented the necessary organisational and technical security measures and have taken reasonable steps to comply with these measures.

How we retain your personal data

We have a document retention policy that keeps track of the retention schedules of the personal data you provide us, in paper or electronic forms. We will not retain any of your personal data when it is no longer needed for any business or legal purposes.

We will dispose of or destroy such documents containing your personal data in a proper and secure manner when the retention limit is reached.

How you can access and make correction to your personal data

You may write to us to find out how we have been using or disclosing your personal data over the past one year. Before we accede to your request, we may need to verify your identity by checking your NRIC or other legal identification document.

We will respond to your request as soon as possible, or within 30 days from the date we receive your request. If we are unable to do so within the 30 days, we will let you know and give you an estimate of how much longer we require. We may also charge you a reasonable fee for the cost involved in processing your access request.

If you find that the personal data, we hold about you is inaccurate, incomplete, misleading or not up to date you may ask us to correct the data. Where we are satisfied on reasonable grounds that a correction should be made, we will correct the data as soon as possible, or within 30 days from the date we receive your request.

Transfer of personal data

Where there is a need to transfer your personal data to another country outside Singapore, we will ensure that the standard of data protection in the recipient country is comparable to that of Singapore’s PDPA. If this is not so, we will enter into a contractual agreement with the receiving party to accord similar levels of data protection as those in Singapore.

Ways to contact us

Telephone: 6329 0990

Email: dpo@ .com

Address: 78 South Bridge Road, #05-01 TKH Building, Singapore 058708

All queries or complaints should include, at least, the following details:

  • Your full name and contact information,
  • Brief on background and the nature of your query or complaint,
  • The outcome you would like out of our investigations.

Changes to this policy

We may update this policy from time to time. We will notify you of any changes by posting the latest procedures on our website. Please visit our website periodically to note any changes.

Changes to these procedures take effect when they are posted on our website.