Asuroo - Assured On What Matters

1. PERSONAL DATA PROTECTION STATEMENT

Our Privacy Policy sets out the manner in which Asuroo collect, use, manage and protect the data that is capable of identifying you as an individual whether on its own or in conjunction with other data accessible by us ("Personal Data"). The purpose of this PDP statement is to inform you of how Asuroo manages Personal Data which is subject to the Singapore Personal Data Protection Act (No. 26 of 2012) ("the Act").

This PDP Statement explained our terms and conditions in using the website and service. It is designed to assist you in understanding why and how Asuroo collects and uses your Personal Data, to whom such data is disclosed and to whom data access requests can be addressed. In particular, we will ensure that:

only fair, proper and legitimate means are employed to collect personal data;
personal data collected and used is accurate;
personal data is protected by appropriate safeguards and made available only to authorised persons;
and you have the right to access and request correction of your personal data.

This PDP Statement and your use of Our Website(s) shall be governed in all respects by the laws of Singapore.

2. DATA WE COLLECT

Asuroo believe it is through our loyal customers that empower us to create rewarding community as we provide a great value by making your life easier when you search for insurance, banking and other financial products ("products"). To achieve this, it is necessary for us to collect and use certain Personal Data to achieve desired comparisons between the various products we offer.

"Personal Data" refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which the organisation has or is likely to have access. While the specific types of Personal Data you submit through Our Website(s) may vary depending on the product you require and whether you maintain an account with us including and not limited to:

Full Name
Identity Data, this includes your nationality, country of residence, identification details and photos, passport number, date of birth, age, marital status, gender.
Contact Data, this includes your home/mailing address, contact number(s) and/or email address
Social Media Data, which includes your profile details, name, profile picture, age range, account language.
Search Parameter Data, which, depending on the type of product you select, may include your (or the persons' related to you):
- car/commercial car insurance requirements (car's insurance plan, year of manufacture, make and model, usage of your car, your marital status, gender, date of birth, driving experience, claim(s), NCD% and certificate of merit);
- motorcycle insurance requirements (motorcycle's insurance plan, year of manufacture, make and model, usage of your motorcycle, your marital status, gender, date of birth, riding experience, claim(s), NCD%);
- travel insurance requirements (travel plan, destination and period of travel);
- maid insurance requirements (your maid nationality, period of coverage require);
- home insurance requirements (your home address, flat type);
Transactional Data, which includes details of the chosen product, payment method, transaction reference number, policy number, policy details as well as any extra information required by us or your provider of your selected product ("Selected Insurance Services Provider").
Usage Data, which includes information about how you use Our Website(s), this includes frequency and duration you visited Our Website(s), the types of products and services searched for and how you search for the products and services).
Technical Data, which includes your Internet Protocol (IP) address, the internet device identity or media access control (MAC) address of your device, information regarding the manufacturer, model or operating system of the device that you use and/or information about the web browser that you use to access Our Website(s).

Collection of Personal Data:
When you register an account with us, you agreed to the collection of your Name, Identity Data, Contact Data and all other information provided to us at the time of creating your account or subsequently. If the account was created through your Facebook account, we will also collect your Social Media Data. Your usage data and/or search parameter data will also be collected to allow us to repeat your searches and understand your desired comparison.

When you carry out any ad-hoc search or request for any ad-hoc price comparison, your usage data and/or search parameter data and/or technical data will be collected even if there is no account registered with Asuroo.

When you have chosen a product, We may collect your Identity Data, Contact Data and also Transactional Data when you transact through Our Website(s) or in cases where your Selected Insurance Services Provider requires extra information from you (if any) to facilitate the purchase, provision of the product and to verify your identity.

Ways in Which Personal Data Collected
We collect Personal Data in the following ways:

When you submit any form, including but not limited to application, declaration, proposal or referral forms;
When you enter into any agreement or provide other documentation or information in respect of your interactions and transactions with us or your Selected Insurance Services Provider when you use our services;
When you interact with our staff, including customer service officers and other representatives, e.g. via telephone call, text message or chat box, (which may be recorded), letters, fax, face-to-face meetings, digital platforms (including but not limited to any social media messaging platform) and email;

when you use some of our services provided through online and other technology platforms, eg. Our Website(s) and apps including when you establish any online accounts with us.
when you use our electronic services, or interact with us and/or use the services via Our Website(s).
when you request that we contact you, be included in an email or other mailing list; or when you respond to our request for additional Personal Data, our promotions and other initiatives.
when you are contacted by, and respond to, our marketing representatives and agents, our sales and distribution partners and other service providers.
when you submit an employment application or when you provide documents or information including your resume and/or curriculum vitae in connection with any appointment as an officer, director, representative or any other position.
when we receive references from business partners and third parties, for example, where you have been referred by them.
when your images are captured by us via CCTV cameras while you are within our premises, or via photographs or videos taken by us or our representatives.
when we seek or receive information about you in connection with your policy, policy applications, claims or job applications, for example, from other insurers, insurance associations, hospitals, clinics, motor workshops, your ex-employer and the relevant authorities. and/or
when you submit your Personal Data to us for any other reason.

When you browse Our Website(s), you generally do so anonymously but please see the section below on cookies. We do not at Our Website(s) automatically collect Personal Data, unless you provide such information or login with your account credentials.
If you provide us with any Personal Data relating to a third party (e.g. information of your spouse, children, parents, and/or employer and employees), including where you have named them as beneficiaries or as a life assured, or where you refer a third party to us for the of us offering our products and/or services to that third party, by submitting information to us, you represent to us that you have ;obtained the consent of the third party to you providing us with their Personal Data for the respective purposes.
You should ensure that all Personal Data submitted to us is complete, accurate, true correct. If there is a change to your contact information such as your home, email address or contact number, please promptly update us or update "my account". This ensures that you will continue to receive communications from us without disruption or failure. Such negligence on your part to do so may result in our inability to provide you with products and services you may have requested.

3. Asuroo + YOUR DATA = PRICE COMPARISON

For the purpose of making the product comparison to match what you really need, it is necessary for us to collect and use your Search Parameter Data.

When you select a product at Our Website(s), we may provide your Name, Identity Data, Contact Data, Search Parameter Data and Transactional Data to the Selected Insurance Services Provider and their (marketing) representatives for the purposes of: facilitating your purchase, application or the provision of the product from the Selected Insurance Services Provider or sending you relevant information and recommendations about the products and services offered by the Selected Insurance Services Provider.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered Personal Data in law as this data does not identify you as an individual, whether on its own or in conjunction with other data accessible by us. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific service feature. However, if we combine or connect Aggregated Data with your Personal Data so that it can identify you as an individual, whether on its own or in conjunction with other data accessible by us, we treat the combined data as personal data which will be used in accordance with this Privacy Policy.

4. INNOVATION BRINGS SIMPLICITY, RELIABILITY AND AFFORDABILITY

We try to make the use of Our Website(s) and our services as simple and convenient as possible. We may use your Personal Data:

to improve the user-experience of Our Website(s) to deliver our services in a simple with customized content, including more relevant search results);
to manage, optimize, monitor and research the usage, performance and operation of Our Website(s) and the services provided through Our Website(s);
to fix problems with Our Website(s) and it's relevant including software;
to develop new services;
responding to, processing and handing your queries, complaints, feedback suggestions, request
to conduct investigations, audits, or carry out crime and fraud prevention and risk management activities;
properly administer the products and services we provide, including the investigation, review, assessment and settlement of claims (if applicable);
collecting insurance premiums (if applicable);
marketing services and products to you
operating, maintaining and providing subsequent services in relation to the applications for services and/or products;
to comply with legal and regulatory requirements;
to comply with any court orders or directions from government or regulatory authorities;
in connection with any claims made by, against or otherwise involving you in respect of any services provided by us;
enforcement of our legal rights and obligations; and
for any other purpose for which we have obtained your express consent.

We may also use your Search Parameter Data, Usage Data and Technical Data for marketing and promotional purposes, including:

advertisements based on your interests or previous searches that you have performed; and
sending you promotional materials.

These purposes may also apply even if you do not maintain any account or relationship with us, or have terminated the account or relationship with us.

If you submit an application to us as a candidate for an employment or representative position, we may use your personal data as follows:

processing your application including pre-recruitment checks, such as in relation to your credit standing and qualifications;
providing or obtaining employee references and for background screening/vetting;
facilitating and conducting interviews;
assessing your suitability for the position applied for;
communicating with you as required by DAIS to comply with its policies and processes, including for business continuity purposes;
processing staff referrals;
any other purposes relating to the aforesaid.

5. CONSENT IS ESSENTIAL

The use of Our Website(s) and our services is entirely voluntary but if you decide to visit, access, use or obtain any content or data from Our Website(s) or by obtaining or using any of the services rendered by us through Our Website(s), you:

consent to the collection and use of your Personal Data; and
authorise us to disclose and forward your Personal Data to the Insurance Provider or their (marketing) representatives and the parties mentioned in point 6 (Customer’s Right), in accordance with this privacy policy.

6. CUSTOMER'S RIGHT

We will not provide your Personal Data to any party unless such party agrees and/or undertakes to be bound by provisions that subject the Personal Data to a level of protection that is comparable to what is required under the PDPA. You hereby agree to such transfer and transmission.

Examples of such transfer/transmission include the sharing of your Personal Data with certain suppliers, agents, service providers (who may be located in other territories) and Insurance Services Providers or their (marketing) representatives who we have a business relationship with or that we use for optimizing, monitoring or researching the usage, performance and operation of Our Website(s) as well as the services we provide through Our Website(s), and you hereby agree to such sharing.

We may also share your Personal Data with the following parties:

the Asuroo group of companies, our parent company, subsidiaries, associated or affiliated companies, our head office and any branches and representative offices, whether located within or outside of Singapore. We will constantly update the latest list of our locations, please click here www.asuroo.com;
our insurers and advisors, including without limitation consultants, auditors, accountants and lawyers;
any actual or proposed assignee, transferee, participant or sub-participant of our rights or business;
any relevant government regulators or authority or law enforcement agency to comply with any laws, rules and regulations or schemes imposed by any governmental authority such as, but not limited to, the Monetary Authority of Singapore, the Ministry of Manpower, the Ministry of Health, Singapore Police Force, Land Transport Authority, the Central Provident Fund Board; General Insurance Association of Singapore;
reporting agencies, including Credit Bureau (Singapore), or in the event of default or disputes, any debt collection agencies or dispute resolution centres such as the Financial Industry Disputes Resolution Centre Ltd;
any person in connection with any claims made by or against or otherwise involving you in respect of any services provided by us;
any other person to whom disclosure is necessary for any of the purposes described in this Privacy Policy; and
any other party to whom you authorise us to disclose your Personal Data to.

Please be informed that if you withdraw your consent to any or all uses of your Personal Data (depending on the nature of the request), Asuroo may not be in a position or able to continue providing its products or services to you or administer any contractual relationship in place. This will inevitably result in the termination of any agreements or arrangement you have with us. And if it results in any breach of your contractual obligations or undertakings, we shall reserve our legal rights and remedies in such events.

In the event that your personal data (e.g. being a beneficiary, appointed executor or as the life assured) is provided to us, you will not be allowed to access the data that is kept by us. You should contact the policy holder to liaise with us on your behalf instead.

7. MANAGE YOUR RIGHTS

Since it is your Personal Data it is only fair that you have control of what happens to it. These are your rights and powers: Search Parameter Data, which, depending on the type of product you select, may include your (or the persons' related to you):
1. You are entitled to withdraw your consent to any use or disclosure of your Personal Data by contacting us via enquiry@asuroo.com
2. You have access to the Personal Data we hold and you can ask us about the ways in which your Personal Data is used or disclosed by contacting us enquiry@asuroo.com; and
3. You have the right to update, rectify or make corrections to your Personal Data using the "my account" page or by contacting us directly enquiry@asuroo.com.

Even if you delete your account, your Personal Data may be retained and may continue to be used by us for the purposes described in this Privacy Policy. However, we will take reasonable steps to ensure that the Personal Data we process is reliable for its intended use, and as accurate and complete as is necessary to carry out the purposes described in this PDP Statement. make reasonable measures to ensure your Personal Data will not be retained longer than necessary for fulfilling the purposes described in this Privacy Policy or for other legal purposes for which retention of your Personal Data may be necessary.

Asuroo will destroy any Personal Data it may hold in accordance with its internal policy which accords the following principles:
- Personal Data will only be retained for as long as is necessary to fulfill the original or directly related purpose for which such data was collected, unless the Personal Data is also retained to satisfy any legal obligations; and
- Personal Data is purged and/or anonymised from Asuroo's electronic, manual, and other filing systems in accordance with specific schedules based on the above criteria and Asuroo's internal procedures.

8. PROTECTION IS KEY

We take the protection of your Personal Data from unauthorised access by others seriously. We shall make reasonable security arrangements to prevent the unauthorised access, use, collection, disclosure or copying of your Personal Data.

We may need to transfer your Personal Data outside of Singapore. In the event there is a need for us to transfer your Personal Data out of Singapore, we will only do so after we have been assured that your Personal Data will receive a comparable level of protection as laid down in this Privacy Policy and the PDPA.

However, you acknowledge that no data transmission over the internet is completely secure. While we will have in place reasonable security measures to protect your Personal Data as outlined above, we cannot guarantee or warrant the security of any data, including Personal Data, that you provide to us and you transmit such data, including Personal Data, to us at your own risk.

9. WE NEED YOU IN OUR COMMUNITY

If you create an account with us, or if you don't create an account but you do submit your email address we can send you: marketing material updates, account information updates and other website(s) announcements.

If you want to hear more from us, you can opt to receive more information which will include messages and content we think would be interesting for you including targeted advertisements and marketing messages from us.

As soon as you're no longer interested in these extra mailings, you can choose to unsubscribe from our mailing list.

You have the right to request access to Your Personal Data held by Asuroo and request correction of any of Your Personal Data which is incorrect. You may also withdraw consent for us to collect, use or disclose your personal data for any purpose (e.g. send you any marketing messages).

10. HOW TO CONTACT US

If you have any questions about this Privacy Policy, you can direct your question to our Data Protection Officer at enquiry@asuroo.com.

11. Asuroo COOKIES POLICY

Our Website(s) is/are our business and we use all kind of tools to operate it as efficiently and optimally as possible. One of the ways we do that is by using cookies when you browse Our Website(s). A cookie is an element of data that a website can send to your browser, which may then store it on your system. We use cookies in some of our pages to store visitors' preferences and record session information. The information that we collect is then used to ensure a more personalised service level for our users.

When you visit and browse Our Website(s), we also collect general information (like your internet protocol (IP) address) that won't personally identify you. This information allows us to maintain, evaluate and improve our site's performance. We may also collect and use aggregated non-personal information to assess our offerings and to consider improvements to our products and services. You can adjust settings on your browser so that you will be notified when you receive a cookie. Please refer to your browser documentation to check if cookies have been enabled on your computer or to request not to receive cookies.

Technical Cookies: are necessary to provide you with our services, help Our Website(s) function properly and to manage your account and login through social media platforms.
Functional Cookies: are aimed to make your next visit to Our Website(s) less time-consuming. We will recognise your browser and remember your preferences such as data provided for product searches, login information to your account, language, the version of Our Website(s) you use and any other preferences.
Analytical, Targeting and Tracking Cookies: are used to track the online behaviour of our visitors and allow us to help improve the way Our Website(s) operate, for example, by ensuring that our visitors easily find what they are looking for and that we can continue to provide our visitors with relevant content. We also use these Cookies to understand your online preferences for online advertisement purposes. This allows us to present you with tailor made offers based on your online behaviour.

TO COOKIE OR NOT
In so far as your Personal Data is being collected by our Cookies, you have the personal option to disable the use of such Cookies in your browser settings when accessing Our Website(s). Please note that disabling such Cookies may however result in loss of functionality of Our Website(s) and/or delay or affect the way Our Website(s) operate and/or (partially) restrict your use of Our Website(s).

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