Privacy Policy

When you submit a policy valuation request through our Website, we collect the following information:

Personal data

• Full name;
• Phone number;
• Email address.

Policy and financial information

• Insurer, policy name, policy type, policy currency, and premium payment frequency;
• Premium amount, current surrender value, and policy loan amount (if any);
• Date the policy was purchased, maturity date, and next premium date;
• Policy documents and benefit illustrations you choose to upload.

We do not collect personal data from you unless you voluntarily provide it, nor do we collect sensitive personal data such as NRIC numbers, passport details, or banking credentials through this Website.

We collect personal data directly from you when you complete and submit the policy valuation request form on our Website.

We collect and use your personal data for the following purposes:

• To review and assess your insurance policy for valuation purposes;
• To prepare and communicate a no-obligation offer or valuation for your policy;
• To follow up with you regarding your enquiry via phone, email, or messaging;
• To facilitate the transfer of your policy through absolute assignment, if you choose to proceed;
• To comply with applicable laws and regulatory requirements.

We do not sell, rent, or trade your personal data to third parties. Your personal data may be disclosed to:

• Our internal team: Staff and authorised personnel involved in processing your enquiry and valuation;
• Google LLC: We use Google's Gmail API to transmit your enquiry and uploaded documents to our internal inbox. Google processes this data solely as a data processor on our behalf and in accordance with Google's data processing terms;
• Regulatory authorities: Where required by law or by order of a court or regulatory authority in Singapore.

We retain your personal data for as long as is necessary to fulfil the purposes for which it was collected, or as required by applicable law. If you do not proceed with a policy transaction, your personal data is typically retained for no longer than two years from the date of your enquiry, after which it is securely deleted or anonymised.

We take reasonable administrative and technical measures to protect your personal data from unauthorised access, disclosure, alteration, or destruction. Uploaded documents and form submissions are transmitted over encrypted connections (HTTPS) and are accessible only to authorised personnel.

You have the right to:

• Access the personal data we hold about you;
• Correct any inaccuracies in your personal data;
• Withdraw your consent to the collection, use, or disclosure of your personal data at any time, subject to legal or contractual restrictions.

Please note that withdrawing your consent may affect our ability to process your enquiry or provide you with our services. To exercise any of these rights, please contact us using the details below.

Our Website may use cookies and similar tracking technologies to improve your browsing experience and analyse Website traffic. You may configure your browser to refuse cookies, though this may affect the functionality of certain parts of the Website.

Our Website may contain links to third-party websites. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party websites you visit.

We reserve the right to update or modify this Privacy Policy at any time. Changes will take effect upon posting to this page. Your continued use of the Website after any changes constitutes your acceptance of the revised Privacy Policy.