The Personal Data Protection Act or “PDPA” governs the collection, use and disclosure of personal data by private organisations. It contains various obligations relating to the Do-Not-Call Registry (“DNC Obligations”) and the protection of personal data (“DP Obligations”). The DNC Obligations and DP Obligations will come into force on 2 January 2014 and 2 July 2014 respectively.
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When you apply for an insurance policy or an investment account, you may notice a new section on Personal Data Consent in the Application Form. This page provides more information on the consents that we are collecting from you as a policyholder or an account holder.
PURPOSES OF USE OF PERSONAL DATA
Marketing
If you consent to marketing, we may contact you to inform you about our insurers or our insurers' related company products or services, special offers or other information which may be of interest to you.
You can change your mind anytime. If you subsequently decide you do not wish to receive marketing materials from us, all you need to do is to contact us.
Alternatively, if you decide you would like to receive the above marketing materials, you can also contact us to do so.
Administration and Servicing
In order to administer and service your policy and your needs effectively, we will collect, use and disclose your personal data.
- Information
In administering and servicing your policy, we may collect, use, disclose and/or process certain personal information or data about you.
- Purpose
Such personal data will be collected, used, disclosed and/or processed by us (or our group of companies) for the purpose(s) of :-
(a) providing financial advice to recommend product(s) based on your financial needs analysis, where applicable; (b) administration of your policy, which may include but is not limited to: -
(i) underwriting of the risk proposed (ii) requesting and collecting premiums (iii) providing regular information about your policy (iv) making changes or updates to your policy (v) reviewing or renewing your policy (vi) carrying out your instructions or responding to any enquiries by you (vii) assessing and processing your claim(s) made under the policy
(c) administration of your account, which may include but is not limited to: -
(i) maintenance of your account (ii) performing or updating transactions on your account (iii) carrying out your instructions or responding to any enquiries by you
(d) dealing in any matters relating to your policies and/or accounts (including the mailing or dispatch of correspondence and other documents to you, which may disclose certain personal data about you on envelopes and/or packages (e) compiling statistics for company or industry exercises and studies, to design and improve our products and services for you; (f) compliance monitoring and audit reviews; (g) complying with all applicable regulations and laws; (h) providing general information on product enhancements and services, which are relevant to your needs or policies; (i) investigating fraud, misconduct, any unlawful action or omission, whether relating to your policy, your claims or any other matter relating to your policy, and whether or not there is any suspicion of the aforementioned; (j) archiving, backing-up or destroying personal data. -
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- Disclosure
Such personal data of yours will be disclosed by-
(a) Our insurers to our insurers' group of companies (whether in Singapore or elsewhere in the world where such insurers' group of companies are sited) and between each of them; and/or (b) Our insurers (or our insurers' group of companies) to our insurers' (or our insurers' group of companies’) third party service providers, suppliers, agents, reinsurers, or intermediaries, if engaged by our insurers (or our insurers' group of companies), for the purposes as described above. -
Without limiting the generality of the foregoing, our insurers may be disclosing such personal data of yours to the following parties for the following purposes: (i) To medical organisations, insurance offices or organisations, reinsurers or investigators for underwriting, claims, reinsurance and compliance/audit purposes; (ii) To your broker, financial adviser or representatives for servicing of your plan or policy; (iii) To related companies for the processing and administration of your plan or policy; (iv) To banks, CPF agent banks, credit card companies, other financial institutions or CPF for the collection or refund of any monies due or payable; (v) To third party vendors engaged by us to perform processes required for the administration of your plan or policy (e.g. data, entry, printing and despatch of documents, claims administration etc) or to perform processes required to send marketing material or messages to you; (vi) To related companies or third party vendors engaged by us to store and maintain our data and documents, (including storage for business recovery purposes); (vii) To any regulatory, government and statutory body to comply with applicable, laws or regulation or upon their valid request; and (viii) To related company or regional office or head office to comply with company policies and procedures or upon their valid request. Neither our insurers' nor any of its officials shall be liable for any loss or damage suffered by you or any user as a result of any disclosure of any personal data which you have consented to our insurers and/or any of their officials disclosing.
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- Consent
By applying to purchase a product from our insurers, you :(a) consent to our insurers and/or our insurers' group of companies collecting, using, disclosing and/or processing your above mentioned personal data for the purposes as described above; and (b) consent to our insurers and/or our insurers' group of companies transferring your personal data out of Singapore to other insurers' group of companies where such other insurers' group of companies are sited, and toour insurers' (or our insurers' group of companies’) third party service providers,suppliers, agents, reinsurers or intermediaries for the purposes as described above.