SG Alliance Private Limited (“SGA”) recognises its responsibilities in relation to the protection of the personal data collected, used, disclosed, processed, transferred or retained under the Personal Data Protection Act (“PDPA”).
Personal data is defined as information about an individual who can be identified from that data; or from that data and other information to which the organisation has or is likely to have access to.
If you are a child or minor below the age of 16 years, please inform and seek the consent of your parent or guardian, before you provide your personal data to us. If you are a parent or guardian and you have reason to believe your child or ward has provided us with their personal data without your consent, please contact us to remove, destroy or delete their personal data.
As part of its day-to-day activities, SGA or our financial consultants may collect from data subjects, through various means, including via referrals, introducers, road shows, seminars, personal networks and social media, and any forms (e.g. survey forms, feedback forms) used by SGA from time to time, the following Personal Data:
WHEN AND HOW WE COLLECT PERSONAL DATA
We collect personal data relevant to our relationship with you. We may collect your personal data directly or indirectly through various channels as stated above, including when:
USAGE OF YOUR PERSONAL DATA
We may collect, use, retain and/or disclose/transfer your personal data to:
We will only collect and use personal data in an open, fair and lawful way that is necessary for the purposes identified by us above. We will use the NRIC/national identification for verification of your identity for policy application, customer/policy servicing, assisting in your claims, and/or regulatory reporting.
In some circumstances we may anomymise your personal data so that it no longer identifies you, in which case we are entitled to retain and use such anonymised data without restriction, including for data analytics.
These purposes may also apply even if you do not maintain any relationship with us or have terminated the relationship with us.
OBTAINING YOUR CONSENT
We will only collect, use, disclose, process, transfer and retain personal data for the above purposes with your consent or as allowed or required by law. We will notify you on the purposes for which we will collect, use and disclose your personal data before or at the time we collect it.
You can give your consent expressly or impliedly. Your expressed consent can be given to us in writing, verbally or electronically (e.g. through our website). Your implied consent can be given to us from your action or the nature of dealings.
Any party authorised by you (including a person having the power of attorney to act on your behalf) may:
ACTING ON ANOTHER’S BEHALF
If you provide us with personal data of another person, you represent and warrant to us that you have been appointed and authorised by the other person to act on his/her behalf. This includes providing consent to our collection, use, disclosure, transfer and retention of his/her personal information and sensitive personal information.
INFORMATION USED FOR MARKETING AND ADDITIONAL PURPOSES
SGA’s financial consultants and relevant third parties may also collect, use, retain and disclose your personal data (including any future updates and existing personal data) except medical information, that you have/had given to SGA and its representatives to:
If you have provided your Singapore telephone number(s) to us and have indicated that you consent to receiving marketing or promotional information via your Singapore telephone number(s), then from time to time, SGA and our financial consultants may contact you using such Singapore telephone number(s) (voice calls and text) to market and promote the products and services (including discounts and special offers) of SGA and our business partners.
Please refer to the Section “ Withdrawing your consent” for details on how you can contact us should you decide to withdraw your consent.
TO WHOM WE MAY DISCLOSE YOUR PERSONAL DATA
We will only collect, use, retain and/or disclose/transfer your personal data as it is reasonably required for the purposes stated above and the data is limited to information necessary for us and these third parties (as listed below), whether they are located in Singapore or overseas, to do the work.
We may transfer personal data to service providers outside of Singapore for processing, storage, analysis, disaster recovery or emergency assistance services and this data may be required to be disclosed to those authorised under the applicable laws of that foreign country. These service providers with whom we have contractual relationships are required to provide a standard of protection to the transferred personal data that is comparable to the protection under the PDPA and consistent with our personal data protection policies and practices.
The third parties/service providers, whether they are located in Singapore or overseas, whom personal data may be disclosed to are listed below:
WITHDRAWING YOUR CONSENT
Should you choose to withdraw consent previously given to SGA or our financial consultants to use your Personal Data for any of the purposes listed, or choose not to receive promotional materials from SGA, you may opt out by sending a clearly worded email to email@example.com .
Your request shall be processed within 21 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.
We will take all reasonable efforts to ensure that your personal data collected by us or on our behalf is accurate and complete.
You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. If there is a change to your contact information such as your home address, email address or telephone number, please promptly update us. This ensures that you will continue to receive communications from us without disruption or delay. Failure on your part to do so may result in our inability to provide you with products and services you have requested.
YOUR RIGHTS OF ACCESS & CORRECTION
Under the PDPA, you have the right to request access to any personal data of yours that we have and know how it is being used and disclosed for the last 12 months to the extent your right is allowed by law. However, you may be charged a reasonable fee for every request for such access. You also have the right to request correction of your personal data.
PROTECTING YOUR PERSONAL DATA
SGA will protect your personal data from unauthorised access, collection, use, disclosure, copying, modification or disposal by having reasonable safeguards in place that are appropriate to the sensitivity of the data.
All employees of SGA, financial consultants and third parties as listed above who act on SGA’s behalf must comply with SGA privacy policies and practices and can only access your data where it is necessary to perform their duties.
We will keep your personal data only for as long as it is needed for the purposes as stated above and for which it was collected and as required for business or legal purposes. Once your personal data is no longer required for these purposes, we will destroy, delete or make anonymous the data.
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For requests to withdraw consent and access to your personal data, update or correct your personal data, please contact us via email: firstname.lastname@example.org
If you have any queries as to this Policy or feedback on how we process, collect, use and disclose your personal data, please contact the Data Protection Officer via email: DPO@sg-alliance.com
Please note that if your personal data has been provided to us by another party (e.g., a customer via a referral process), you should contact the same party who provided your personal data to SGA to make such queries, complaints, access and correction requests to SGA on your behalf.