Privacy & Security
Privacy and Security Policy
1. Our Commitment
We believe in protecting your privacy. We ask that you read this privacy policy carefully as it contains important information about what to expect when we collect personal data about you and how we will use your personal data.
2. Types Of Personal Data
Generally, we collect personal data that is linked to an individual. For example, an individual’s name, address, phone number and email address. This is not an exhaustive list and we may collect other types of personal data from you. Apart from personal data, we may collect other types of information which is not linked to an individual and which is anonymous. For example, the number of website visitors and the number of website users using a particular service. In this way, we hope to improve our customer services.
3. Purpose For Collection, Processing And Disclosure Of Personal Data
Collection
- Generally, personal data is collected for the following purposes: providing a service and / or a product to you; and
- legal compliance on our part under applicable laws.
Processing and disclosure
We may process and disclose personal data with and to group companies or business partners or third party service providers, for the purposes stated above. In addition, there may be circumstances under applicable laws where we are permitted to collect, process and disclose personal data without your consent. You may obtain more information by contacting us (see Section 17).
4. Transfer Of Personal Data Overseas
To the extent that we may need to transfer personal data outside of Singapore, whether to our group companies or business partners or third party service providers or simply to data storage facilities, we shall do so in accordance with the Personal Data Protection Act, 2012 (“PDPA”) to ensure that we provide a standard of protection to personal data so transferred that is comparable to the protection under the PDPA.
5. Consent
Generally, when we request for personal data in the course of providing you a service and/or product and you provide use with such personal data, there is implied consent that you agree to provide us with personal data in order for us to provide you with the requested service and / or product.
In some circumstances and as required by applicable laws, we will seek your express consent when collecting your personal data. For example, where there are new purposes for the use of your personal data, we will seek your fresh consent.
In addition, you are able to withdraw your consent at any time by contacting us (please see contact details on our website under the ‘Contact Us’ tab).
6. Situations Not Requiring Consent
We will not sell, rent or otherwise disclose your personal data to any third party, without your consent except in the following circumstances:
- we may share non-personal, non-individual information in aggregate form with third parties for business purposes, for example with advertisers on our website or we may tell our business partners the number of customers in certain demographic groups who purchased certain products or who carried out certain transactions; and / or
- as permitted under the laws of Singapore.
7. Access And Correction
You are entitled to certain access and correction rights to your personal data. We may charge a reasonable administrative fee for this service. In exceptional circumstances, we reserve the right to deny you access to your personal data and may provide an explanation as required by applicable laws.
8. Retention
Personal data will be held for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws. We shall cease to retain personal data, or remove the means by which the personal data can be associated with particular individuals, as soon as it is reasonable to assume that the purpose for which that personal data was collected is no longer being served by retention of the personal data and retention is no longer necessary for legal or business purposes.
9. Accuracy
In order to ensure that your personal data is current, complete and accurate, please update us of any changes to your personal data by contacting us (please see contact details on our website under the ‘Contact Us’ tab) or by logging on to your user account if you are a registered user on our website.
10. Data Security
Security is our top priority. PCMI Insurance Brokers Pte Ltd and/or our related companies will strive at all times to ensure that your personal data will be protected against unauthorized or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.
11. Clearing Your Cache
We strongly advise that you clear your browser’s disk cache after each online trading session. Cache files on a computer can retain images of data sent or received over the Internet, making them a potential target for a system intruder.
12. Updates To Privacy Policy
We keep our privacy policy under regular review. If we change our privacy policy, we will post the changes on this website, so that you may be aware of the information we collect and how we use it. Such changes to our privacy policy shall apply from the time that we post the same on this website. Your continued use of our website will be taken as acceptance of the updated privacy policy, but we will seek your fresh consent before we collect more personal data from you or we wish to use or disclose your personal data for new purposes.
13. Cookies
A cookie is an alphanumeric identifier which we transfer to your hard drive through your web browser when you visit our website. It enables our own system to recognise you when you visit our website again and improve our service to you. The information is used to track visitor use of the website and to compile statistical reports on website activity. For further information about cookies visit www.aboutcookies.org or www.allaboutcookies.org. Cookies may also be used to compile aggregate information about areas of our websites that are visited most frequently. This traffic information can be used to enhance the content of our website and make your use of it easier. If you wish to reject our cookie, you can configure your browser to do so. However, in a few cases some of our website features may not function if you remove cookies from your browser.
14. Hyperlinks from PCMI Insurance Brokers Pte Ltd to Third Party Websites
PCMI Insurance Brokers Pte Ltd and/or its related companies are not responsible for the contents available on or the set-up of any other websites linked to our websites. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to us. Access to and use of such other websites is at the user’s own risk and subject to any terms and conditions applicable to such access/use.
By providing hyperlinks to a third party website or webpage, PCMI Insurance Brokers Pte Ltd and/or its related companies shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise stated by us.
We are not in any way responsible for the content of any third party website or webpage. PCMI Insurance Brokers Pte Ltd is not a party to any contractual arrangements entered into between you and the provider of the third party website unless otherwise expressly specified or agreed to by PCMI Insurance Brokers Pte Ltd.
Any links to websites that contain downloadable software are provided for your convenience only. We are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider, which we are not in any way responsible.
15. Hyperlinks from Third Party Websites to PCMI Insurance Brokers Pte Ltd Website
You must always obtain the prior written approval of PCMI Insurance Brokers Pte Ltd before creating a hyperlink in any form from a third party website to the PCMI Insurance Brokers Pte Ltd website. We may or may not give such approval at our sole and absolute discretion.
PCMI Insurance Pte Ltd is not responsible for the setup of any hyperlink from a third party website to this website or webpage. Any links so set up shall not constitute any form of co-operation with, or endorsement by, Us of such thirdparty website. Any link to our Website shall always be an active and direct link to our Website and no “framing” or “deep-linking” of our web page or content is allowed, unless prior approval by is given by us.
PCMI Insurance Brokers Pte Ltd and our related companies are not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. PCMI Insurance Brokers reserves the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to our websites, at our discretion at any time.
16. Email
Email messages sent to PCMI Insurance Brokers Pte Ltd over the Internet cannot be guaranteed to be completely secure. PCMI Insurance Brokers Pte Ltd will not be responsible for any damages incurred by users if they send a message to PCMI Insurance Brokers Pte Ltd, or we send a message to you at your request, over the Internet. We are not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this Website. If you encounter any suspicious email, passing off as an email from PCMI Insurance Brokers, please notify us immediately.
17. Transmission Over The Internet
Due to the nature of the Internet, transactions may be subject to interruption, interception, transmission blackout, delayed transmission and incorrect data transmission. Regardless of any security measures taken by us, we shall assume no responsibility whatsoever for any loss or expense resulting from such delays, interruptions and/or interceptions.
18. Downloading
We do not represent or warrant that this website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.
You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the website.
19. English Version To Prevail
If there are inconsistencies in meaning between the English version of these terms and conditions and the terms and conditions as may be translated into any other language, the English version shall prevail.
20. Prevailing Terms
If you have agreed to our terms and conditions of account opening, as the case may be, in the event of inconsistency between such terms and conditions and this privacy policy, such terms and conditions of account opening shall prevail.
21. Governing Law
Note that as we are a Singapore registered company, this privacy policy has been drafted solely in accordance with the laws of Singapore. We do not represent or warrant that this privacy policy complies with the privacy laws of any other jurisdiction and accordingly, you shall not construe this privacy policy as such.
22. Contact Us
If you any comments or questions about this privacy policy, please contact the Data Protection Officer in writing (please see contact details on our website under the ‘Contact Us’ tab) referencing ‘Privacy and Security’.
23. Disclaimer
Our website may contain links to other websites. Please note that we are not responsible for the privacy practices of such other websites and advise you to read the privacy statements of each website you visit which collects personal data.
24.IMPORTANT: By accessing this website and any of its pages you are agreeing to the terms set out above.