This Privacy Policy (the “Policy”) applies to the collection, use and disclosure of an individual customer’s Personal Data (hereinafter defined) arising from goods and/or services offered by Unity Insurance Agency Pte Ltd (collectively referred to as “Unity Insurance Agency”).
1. General
1.1 This Policy statement provides information on the obligations and policies of Unity Insurance Agency in respect of an individual customer’s Personal Data. Unity Insurance Agency undertakes to use reasonable efforts in applying, where practicable, those principles and the processes set out herein to its operations.
1.2 Unity Insurance Agency’s officers, management, and members of staff shall use reasonable endeavours to respect the confidentiality of and keep safe any and all Personal Data collected and/or stored and/or disclosed and/or used for, or on behalf of, Unity Insurance Agency. Unity Insurance Agency shall use reasonable endeavours to ensure that all collection and/or storage and/or disclosure and/or usage of Personal Data by Unity Insurance Agency shall be done in an appropriate manner and in accordance with the Act and this Policy.
1.3 By interacting with us, submitting information to us, or signing up for any products or services offered by us, you agree and consent to Unity Insurance Agency as well as to its respective representatives and/or agents (“Representatives”) (collectively referred to herein as “Unity Insurance Agency”, “us”, “we” or “our”) collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to Unity Insurance Agency’s authorised service providers and relevant third parties in the manner set forth in this Privacy Statement.
1.4 This Policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and your consents herein are additional to any rights which we may have at law to collect, use or disclose your Personal Data.
1.5 For the purposes of this Policy, in line with the provisions under the Singapore Personal Data Protection Act 2012 (No. 26 of 2012) (the “Act”), “Personal Data” shall mean data, whether true or not, about an individual customer who can be identified — from that data; or from that data and other information which an organisation has or is likely to have access. Such Personal Data shall also refer to that which is already in the possession of Unity Insurance Agency or that which shall be collected by Unity Insurance Agency in future.
2. Contacting the Data Protection Officer
2.1 Where you legitimately request access to and/or correction of Personal Data relating to you, such Personal Data which is in the possession and control of Unity Insurance Agency, Unity Insurance Agency shall provide and/or correct that data within 30 days and in a manner in accordance with its standard procedures as stated hereinafter.
2.2 In accordance with the Act, Unity Insurance Agency has established a process for receiving and responding to any query or complaint that may arise with respect to the application of this Act. To ensure that Unity Insurance Agency receives your complaints and enquiries, please send the same via email to the Data Protection Officer (the “DPO”) of Unity Insurance Agency at the following email address: enquiry@unityinsurance.com.sg.
2.3 Please note that if your personal data has been provided to us by a third party (e.g. a member via a referral process), you should contact that individual to make such queries, complaints, and access and correction requests to Unity Insurance Agency on your behalf.
2.4 Should you not wish Unity Insurance Agency to use your Personal Data for any of the purposes listed in Clauses 3.2 to 3.4, or not to receive promotional materials from Unity Insurance Agency, you may opt out by sending a clearly worded email to the DPO via the email address provided in Clause 2.2. Your request shall be processed within 30 days. Please note however that this may affect our ability to attend to your needs in the event where there is already an existing business relationship.
3. Statement of Practices
Types of Personal Data Collected:
3.1 As part of its day-to-day activity, Unity Insurance Agency may collect from you, through various means, including via our websites, marketing events such as lucky draws and contests, social networking sites and any forms used by Unity Insurance Agency from time to time, some or all of the following Personal Data:
used by Unity Insurance Agency from time to time, some or all of the following Personal Data:
• Academic history and education and professional qualifications (for prospective employees)
• Employment details & history (for prospective employees)
• Family background & details (for prospective employees)
• Financial information such as credit card details
• Medical details/health information
• IP Addresses
• Personal contact information such as names, email addresses, mailing addresses, passport details and contact numbers
• Photographs and images
Cookies
We use cookies on our websites to track website visitorship and experience. Most web browsers are designed to accept cookies. If you do not wish to receive any cookies, you may set your browser to refuse it.
Purpose of Collection of Personal Data
3.2 The above Personal Data mentioned in Clause 3.1 is collected for the purposes of:, amongst others, conducting data/market research, analysis and evaluation, providing benefits and/or compensation, processing payment, providing you with any goods and/or services, marketing and communication, delivery of products and services, accounting and auditing, investigating complaints, claims and disputes, responding to inquiries and provide customer services, as well as verification of identity of clients.
Disclosure of Personal Data
3.3 In order to carry out the functions described above, Unity Insurance Agency may, from time to time, disclose your Personal Data between Unity Insurance Agency’s companies.
3.4 Without derogating from any of the above, Unity Insurance Agency may also disclose the data subject’s Personal Data to third parties such as accounting firms; embassies; service providers; lawyers; credit, debit and charge card companies, banks and other entities processing payment; potential buyers or investors of Unity Insurance Agency or any of Unity Insurance Agency’s companies; and any agent or subcontractor providing services on Unity Insurance Agency’s behalf for the provision of Unity Insurance Agency’s services.
3.5 Unity Insurance Agency may disclose your Personal Data to the abovementioned parties also in the occurrence of any of the following events:
• To the extent that Unity Insurance Agency is required to do so by the law;
• In connection with any legal proceedings or prospective legal proceedings;
• To establish, exercise or defend Unity Insurance Agency’s legal rights;
• To the purchaser (or prospective purchaser) of any business or asset which Unity Insurance Agency is (or is contemplating) selling;
• To any person and/or entity for the purpose of processing such information on Unity Insurance Agency’s behalf;
• To third parties who provide services to Unity Insurance Agency or on its behalf;
• To any third party that purchases Unity Insurance Agency or Unity Insurance Agency’s business or any part of Unity Insurance Agency or Unity Insurance Agency’s business;
• With your consent; and
• For the purposes of disaster recovery.
Optional Provision of Personal Data
3.6 In some instances, you may also be requested to provide certain Personal Data that may be used to further improve Unity Insurance Agency’s products and services and/or better tailor the type of information presented to you. In most cases, this type of data is optional although, where the requested service is a personalised service, or provision of a product or dependent on your providing all requested data, failure to provide the requested data may prevent Unity Insurance Agency from providing the service to you. This type of data includes, but is not limited to:
• Your age;
• Gender;
• Salary range and employment details;
• Education and Profession;
• Hobbies and leisure activities;
• Other related products and services subscribed to; and
• Family and household demographics.
3.7 Under certain circumstances, telephone calls made to any of Unity Insurance Agency’s companies to order and/or service hotlines and/or inquiry telephone numbers may be recorded for the purposes of quality control and training. In such an event, by agreeing to this Policy, you hereby give your consent for the collection, use and disclosure of such Personal Data for the purposes of our records, following up with your enquiry and/or transaction, and for quality control and training purposes.
4. Transfer of Personal Data Overseas
Your Personal Data may be processed by Unity Insurance Agency, its affiliates, agents and third parties providing services to Unity Insurance Agency, in jurisdictions outside of Singapore. In this event Unity Insurance Agency will comply with the terms of the Act.
5. Accuracy of Personal Data
Where possible, Unity Insurance Agency will validate data provided using generally accepted practices and guidelines. This includes the use of check sum verification on some numeric fields such as account numbers or credit card numbers. In some instances, Unity Insurance Agency is able to validate the data provided against pre-existing data held by Unity Insurance Agency. In some cases, Unity Insurance Agency is required to see original documentation before we may use the Personal Data such as with Personal Identifiers and/or proof of address. To assist in ensuring the accuracy of your Personal Data in the possession of Unity Insurance Agency, please inform us of any updates of any parts of your Personal Data by sending a clearly worded email to the DPO at the email address provided at Section 2.2.
6. Protection of Personal Data
Unity Insurance Agency uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Personal Data and will not knowingly allow access to this data to anyone outside Unity Insurance Agency, other than to you or as described in this Policy. However, Unity Insurance Agency cannot ensure or warrant the security of any information you transmit to Unity Insurance Agency and you do so entirely at your own risk. In particular, Unity Insurance Agency does not warrant that such information may not be accessed, altered, collected, copied, destroyed, disposed of, disclosed or modified by breach of any of Unity Insurance Agency’s physical, technical, or managerial safeguards.
7. Access and Correction of Personal Data
7.1 In accordance with Clause 2.1 of this Policy, you have the right to:
a) check whether Unity Insurance Agency holds any Personal Data relating to you and, if so, obtain copies of such data;
and
b) require Unity Insurance Agency to correct any Personal Data relating to you which is inaccurate for the purpose for which it is being used.
7.2 Unity Insurance Agency reserves the right to charge a reasonable administrative fee in order to meet your requests under Clause 7.1(a). Upon payment of the requisite fee under Clause 7.1(a) and/or receipt of your request under Clause 7.1(b), your request shall be processed within 30 days.
7.3 If you wish to verify the details you have submitted to Unity Insurance Agency or if you wish to check on the manner in which Unity Insurance Agency uses and processes your personal data, Unity Insurance Agency’s security procedures mean that Unity Insurance Agency may request proof of identity before we reveal information. This proof of identity will take the form of full details of name, membership number and NRIC or Passport or Fin number. You must therefore keep this information safe as you will be responsible for any action which Unity Insurance Agency takes in response to a request from someone using your [membership] details. We would strongly recommend when you login to your online account in our websites that you do not use the browser’s password memory function as that would permit other people using your terminal to access your personal information.
8. Storage and Retention of Personal Data
Unity Insurance Agency will delete, as reasonably possible, or otherwise anonymous any Personal Data in the event that the Personal Data is not required for any reasonable business or legal purposes of Unity Insurance Agency and where the Personal Data is deleted from Unity Insurance Agency’s electronic, manual, and other filing systems in accordance with Unity Insurance Agency’s internal procedures and/or other agreements.
9. Contacting you
To the extent that any of the communication means which you have provided Unity Insurance Agency with (which may include, your telephone number and fax number) is/will be listed on the Do Not Call Registry (the “DNC”), by indicating on the Booking Form, or by any other means of indication, you hereby grant Unity Insurance Agency your clear and unambiguous consent to contact you using all of your communication means you have provided to Unity Insurance Agency including using via voice calls, SMS, Whatsapp, MMS, fax or other similar communications applications or methods, for the purposes as stated above in Paragraph 3.2. This will ensure your continued enjoyment of Unity Insurance Agency’s promotional rates and services
10. Change Policy
Unity Insurance Agency reserves the right to alter any of the clauses contained herein in compliance with local legislation, and for any other purpose deemed reasonably necessary by Unity Insurance Agency. You should look at these terms regularly. If you do not agree to the modified terms, you should inform us as soon as possible of the terms to which you do not consent. Pending such notice, if there is any inconsistency between these terms and the additional terms, the additional terms will prevail to the extent of the inconsistency.
11. Governing Law
This Policy is governed by and shall be construed in accordance with the laws of Singapore. You hereby submit to the non-exclusive jurisdiction of the Singapore courts.
12. Miscellaneous
12.1 This Policy only applies to the collection and use of Personal Data by Unity Insurance Agency. It does not cover third party sites to which we provide links, even if such sites are co-branded with our logo. Unity Insurance Agency does not share your Personal Data with third party websites. Unity Insurance Agency is not responsible for the privacy and conduct practices of these third party websites, so you should read their own privacy policies before disclosure of any Personal Data to these websites.
12.2 Unity Insurance Agency will not sell your personal information to any third party without your permission, but we cannot be responsible or held liable for the actions of third party sites which you may have linked or been directed to Unity Insurance Agency’s website.
12.3 Unity Insurance Agency’s websites do not target and are not intended to attract children under the age of 18 years old. Unity Insurance Agency does not knowingly solicit personal information from children under the age of 18 years old or send them requests for personal data.