1. Collected Information.
We collect general types of information about you when you visit and use our website, such as personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information using third party tools such as Google Analytics.
Personal information is information that can be used to identify you or any other individual to whom the information may relate. This is information is only collected when you contact us. Such information may include your name, address, telephone number(s), and email address. We only collect this information during the course of communicating with us about an article or other matters on our website.
Demographic information is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, telephone number(s) (including mobile phone number(s) and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests. This may be collected during surveys or contests we may run on our website.
Behavioral information is information pertaining to how you use our website, the areas of our website that you visit, the articles you read, what services you access, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited.
Third party information is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information.
No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties. Our website is COPPA compliant.
2. How We Use Information Collected.
The purposes for which personal data of our clients may be collected or used will vary depending on the nature of your relationship with us. For example, we may use your personal data to:
i. confirm your identity and uniquely identify you;
ii. confirm the accuracy of the information collected;
iii. evaluate, underwrite and price your application, and assess the insurance risks we are assuming during any insurance coverage changes or renewals;
iv. determine and verify your ability to afford the financial and insurance products you apply for;
v. properly administer the products and services we provide, including the investigation, review, assessment and settlement of claims;
vi. communicate with you, especially with respect to your policy, updates and changes;
vii. provide you with ongoing services and respond to your queries or instructions;
viii. make or obtain payments;
ix. recover any debts owed to us;
x. detect, investigate and prevent fraud, or other unlawful or improper activities;
xi. coach employees and monitor for quality assurance;
xii. comply with all legal and regulatory requirements within and outside Singapore including disclosures to judicial, regulatory, government, statutory authorities and industry entities;
xiii. resolve complaints, and handle requests for data access or correction;
xiv. conduct compliance monitoring and audit reviews;
xv. compile statistics to design and improve products and services, or participate in industry exercises and studies;
xvi. assist us to understand the current and future needs of our clients, for example, to conduct surveys and other forms of market research and analysis;
xvii. use your health and wellness data received from the Apple HealthKit framework to help you track your health and wellness activity, provided that such data will not be used or shared with third parties for the purpose of serving advertising.
xviii. perform any functions and activities related to products or services including but not limited to marketing, audit, reporting, research, analysis, reinsurance, general servicing and maintenance of online and other services;
xix. design, promote, improve and further the provision of our financial products or services;
xx. conduct checks with the National Do Not Call Registry and our internal Do Not Call Registry;
xxi. comply with any contractual or other commitment or arrangement with local or foreign regulators, governmental bodies, or industry recognized bodies (whether within or outside Singapore) that is assumed by or imposed on us or any member of our group of companies by reason of its financial, commercial, business or other activities in or related to the jurisdiction of the relevant local or foreign regulators, governmental bodies, or industry recognised bodies;
xxii. for operational purposes, credit assessment, credit scoring models or statistical analysis (including in each case, behavior analysis and evaluation of the overall relationship with our group of companies which includes using such data to comply with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within our group of companies and/or other use of data and information in accordance with any groupwide programmes for compliance with extraterritorial enforcement of tax, sanctions or prevention or detection of money laundering, terrorism financing or other unlawful activities), whether on our clients or otherwise;
xxiii. exercise any rights we may have in connection with the provision of insurance products and financial services to you;
xxiv. enable an actual or proposed assignee, transferee, participant or subparticipant of our rights or business to evaluate the transaction intended to be the subject of the assignment, transfer, participation or subparticipation;
xxv. market insurance and other financial products where specifically or deemed consented to or where permissible under applicable laws or regulations; or
xxvi. for any other purposes specifically provided for in any particular product or service offered by us or permitted or required by law or the relevant authorities.
Marketing Purposes. We use information we collect from you to determine your interests in the articles on our website. If you review or use “Sponsored Content” we use your to track whether your purchased products or services from the Sponsor of such content. In addition, we may use your information to provide interactive features of our website, such as comments, ratings and reviews. We may also use the information we collect to identify service or advertising preferences. We may also use it so we can determine what articles are most popular or what features are most popular. The information we obtain from “Sponsored Content may be used to provide you information about third party products and services which we believe will be of interest to you. This may be done by us or a third party vendor.
Internal Operations. We also use the information we gather to improve the effectiveness of our website, advertising on our website, customer service and marketing efforts or conduct research and analysis of our marketing and advertisements or to perform other business activities as needed.
Legal Compliance. We use the information we gather to detect and prevent fraudulent transactions and monitor against theft. In addition we use such information to protect the security and integrity of our website and our business.
3. Information We Share With Others.
We disclose your information to third parties throughout the world, or combined personal, demographic, behavioral or indirect information, in the following ways:
Sponsored Content Product and Service Delivery. We share your information with third parties who help us in the delivery of the products and services you have requested on the Sponsored Content pages.
Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service.
Third Party Products and Services. We share your information with third parties who will provide you with their opportunities, products or services. This includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
Anonymous information. We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes demographic information and behavioral information.
Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
Acquisition or Merger. We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
4. Collection and Use of Technology Information.
Web Beacons. A “web beacon” (often referred to as a pixel tag or a clear gif) is a tiny graphic image placed on website pages and in emails, advertising and other marketing communications that allows us or our vendors to determine whether you have performed specific actions. When you access a page, open an email messages, or click on advertising, the web beacon generates a notice of that action to us, or our vendor. We use that information to analyze our marketing efforts and our website effectiveness.
Google Analytics. We use Google Analytics on our website. In doing so, Google collects and analyzes information about how people use our website, including information about browsing and buying activities. To perform some of these services, they may collect and use information from ours and third party cookies. To learn more about Google Analytics’ privacy practices and any opt-out choices it offers, click here.
Third Party Advertising. We may use third-party advertising companies to serve ads to you based on the technology information we have collected. These ads may be our or other third party’s ads. As such, we also allow third-party companies to collect certain information when you visit our website site and to use that information to serve or send you their ads for products and services. We may combine and associate the information we collect through these technologies with other information we have collected from and about you.
Do not Track Signals. At this time, we do not respond to browser “do not track” signals.
5. Security of Your Information.
We endeavor to safeguard and protect your information. When you submit personal information to us, it is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. Although we take commercially reasonable technological precautions to protect your personal information, no information transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. However, access to your information is strictly limited and not accessible to the public.
7. Third Party Collection Use of Your Information.
Third parties also collect and use information about you on our website in the following ways: Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies who place advertisements on our website and on the internet generally may use their own cookies, web beacons, and other technology to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you. Hyperlinks and Sponsored Content. Our website contains hypertext links to the website of third parties. We are not responsible for the privacy practices or the content of such other website. Such links are provided for your convenience and reference only. On Sponsored Content such links are to advertisers who place advertising with us. However each has its own policies and terms which govern the collection and use of your information when you reach their website. Please review those terms and conditions as they are different from ours. The inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization.
This site not affiliated with or endorsed by the Singapore or Malaysia government or any federal insurance program.
Copyright © 2020 Surge Advertising™