We recognise our responsibilities in relation to the collection, holding, processing or use of personal data. The provision of your personal data is voluntary. You may choose not to provide us with the requested data, but failure to do so may inhibit our ability to do business with or provide services to you.

How we collect personal data

• when you use our products or services, access our website and use our online and mobile services;
• when you submit documents and application forms to us during the application process for the purchase, or in consideration of the purchase, of our products or services;
• when you respond to our queries or request for us to contact you;
• when you interact with us via phone, email, face to face meetings, interviews, SMS, fax, mail or electronic mail;

By providing us with any personal data relating to a third party (e.g. insured persons, family members, and beneficiaries), you represent and warrant that you shall ensure accuracy of such personal data provided and have obtained such third party’s prior consent for our collection, use and disclosure of such third party’s personal data for the relevant purposes, except to the extent that such consent is not required under relevant law. You further agree to keep us fully indemnified from and against any and all damages, losses, costs, legal fees (solicitor- client basis), penalties and proceedings, including any penalties or other amounts levied, imposed or charges by any regulator or regulatory authority, arising out of or in connection with your (or those of your officers, employees, advisors, agents and representatives) acts or omission, fault or negligence in performing these obligations or which results in us breaching relevant laws.

Consent for marketing purposes

If you have given us consent to receive marketing and promotional information through electronic mail or postal mail or on your Singapore telephone number (s) via phone calls, text or fax, we may from time to time contact you on such Singapore telephone numbers (s) via your designated mode of communication or through electronic mail or postal mail (as the case may be) to provide you with marketing, promotional information and updates about our products and services.

We may also seek your consent and notify you separately of the purposes of the collection, use and disclosure of your personal data from time to time with respect to particular products and services.

Any consent that you have given for marketing purposes is not affected by termination of your policy.