“Personal Data” refers to any data, whether true or not, about an individual who can be identified from the data or from the data and other information to which the organisation has or is likely to have access. (Personal Data Protection Act 2012 (“the Act”))
Examples of such Personal Data you may have provided Us during the course of your interactions with Us include your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address and other information on any individuals you have provided Us in the forms that you may have submitted to Us or through other forms of interaction with you.
Collection of Personal Data
We will necessarily need to collect, use, disclose and/or process your Personal Data or personal information about you (and your family members, as the case may be required) in order to process, administer and/or manage your relationship, account and policy with Us. Such Personal Data includes (i) information set out in the proposal or other forms relating to any of Our products or services; and any other personal information provided by you or possessed by Us; (ii) your claims; and (iii) medical information, which will be kept confidential.
Purpose for the Collection, Use and Disclosure of Your Personal Data
Ordinarily, We collect, use, disclose and/or processed your Personal Data for one or more of the Purpose(s):
a. considering whether to provide you with the insurance you applied for;
b. processing your application for underwriting and insurance;
c. administering and/or managing your relationship, account and/or policy with Us;
d. processing and/or dealing with any claims including the settlement of claims and any necessary investigations relating to the claims under your policy;
e. carrying out due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or risk management procedures that may be required by law or that may have been put in place by Us;
f. carrying out your instructions or responding to any enquiries by you;dealing in any matters relating to the services and/or products which you are entitled to under the policy which you are applying for or have applied;
g. (including the mailing of correspondence, statements, invoices, reports or notices to you, which could involve disclosure of certain Personal Data about you to bring about delivery of the same as well as on the external cover of envelopes/mail packages);
h. investigating fraud, misconduct, any unlawful action or omission, whether relating to your application, your claims or any other matter relating to your policy, and whether or not there is any suspicion of the aforementioned;
i. complying with applicable law in administering and managing your relationship with Us; and/orsending you marketing, advertising, promotional information about other insurance, investment and/or financial products and/or services that we may be selling or marketing, and which We believe may be of interest or benefit to you, by the following modes of communication such as postal mail, electronic transmission to your email address, SMS/MMS (text message) and fax or your telephone number provided by you (unless you have specifically opted out or have subsequently written to Us to stop sending you such marketing, advertising and promotional information)
We may/will also be collecting from sources other than yourself, Personal Data about you, for one or more of the above Purpose, and thereafter using, disclosing and/or processing such Personal Data for one or more of the above Purpose.
Your Personal Data may/will be disclosed by Us to Our third party service providers or agents (including its lawyers / law firms), which may be sited outside of Singapore, for one or more of the above Purpose, as such third party service providers or agents, if engaged by Us, would be processing your Personal Data for RHI for one or more of the above Purpose.