Your privacy is important to us. The purpose of this document ("Privacy Statement") is to inform you of how the Great Eastern group of companies (as defined below) manages Personal Data which is subject to the Singapore Personal Data Protection Act (No. 26 of 2012) ("the Act"). Please take a moment to read this Privacy Statement so that you know and understand the purposes for which we collect, use and disclose your Personal Data.
By interacting with us, submitting information to us, enrolling or signing up for any products or services offered by us, you agree and consent to the Great Eastern group of companies (including The Great Eastern Life Assurance Company Limited, The Overseas Assurance Corporation Limited and Great Eastern Financial Advisers Private Limited and their respective related corporations) (collectively, the "Companies"), as well as their respective representatives and/or agents ("Representatives") (collectively referred to herein as "Great Eastern", "us", "we" or "our") collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to the Companies' authorised service providers and relevant third parties in the manner set forth in this Privacy Statement.
This Privacy Statement supplements but does not supersede nor replace any other consents you may have previously provided to Great Eastern in respect of your Personal Data, and your consents herein are additional to any rights which to any of the Companies may have at law to collect, use or disclose your Personal Data.
Great Eastern may from time to time update this Privacy Statement to ensure that this Privacy Statement is consistent with our future developments, industry trends and/or any changes in legal or regulatory requirements. Subject to your rights at law, you agree to be bound by the prevailing terms of this Privacy Statement as updated from time to time on our website http://www.greateasternlife.com/sg/en/pncpolicies.htm. Please check back regularly for updated information on the handling of your Personal Data.
1. Personal Data
In this Privacy Statement, "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. Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address and any other information relating to any individuals which you have provided us in any forms you may have submitted to us, or via other forms of interaction with you.
2. Collection of Personal Data
2.1 Generally, we collect Personal Data in the following ways:
2.2 When you browse our website, you generally do so anonymously but please see the section below on cookies. We do not at our website automatically collect Personal Data, including your email address unless you provide such information or login with your account credentials.
2.3 If you provide us with any Personal Data relating to a third party (e.g. information of your spouse, children, parents, and/or 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 purposes of us offering our products and/or services to that third party, by submitting such 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.
3. Purposes for the Collection, Use and Disclosure of Your Personal Data
3.1 Generally, Great Eastern collects, uses and discloses your Personal Data for the following purposes:
These purposes may also apply even if you do not maintain any account(s) with us, or have terminated these account(s).
3.2 In addition, Great Eastern collects, uses and discloses your Personal Data for the following purposes depending on the nature of our relationship:
If you are a prospective customer or policy holder
You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested.
If you are a beneficiary, life assured, or an appointed representative of a particular policy (including but not limited to a mandate holder or a power of attorney), or an insured member of group insurance policies
If you submit an application to us as a candidate for an employment or representative position
You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in delays in the processing of your application, or our inability to process your application.
3.3 If you are submitting an application for or purchasing a Great Eastern product through Oversea-Chinese Banking Corporation Limited, you also agree and consent to the terms of OCBC Bank's Data Protection Policy, available at www.ocbc.com/policies or upon request from OCBC Bank.
3.4 In addition, where permitted under the Act, Great Eastern may also collect, use and disclose your Personal Data for the following purposes (which we may describe in our documents and agreements as "Additional Purposes" for the handling of Personal Data):
3.5 If you have provided your Singapore telephone number(s) and have indicated that you consent to receiving marketing or promotional information via your Singapore telephone number(s), then from time to time, Great Eastern may contact you using such Singapore telephone number(s) (including via voice calls, text, fax or other means) with information about our products and services (including discounts and special offers).
3.6 In relation to particular products or services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.
4. Disclosure of Personal Data
4.1 Great Eastern will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be provided, for the purposes listed above (where applicable), to the following entities or parties, whether they are located in Singapore or overseas:
5.1 When you interact with us on our websites, we automatically receive and record information on our server logs from your browser. We may employ cookies in order for our server to recognise a return visitor as a unique user including, without limitation, monitoring information relating to how a visitor arrives at the website, what kind of browser a visitor is on, what operating system a visitor is using, a visitor's IP address, and a visitor's click stream information and time stamp (for example, which pages they have viewed, the time the pages were accessed and the time spent per web page).
5.2 Cookies are small text files placed in the 'Cookies' folder on your computer's hard disk and allow us to remember you. The cookies placed by our server are readable only by us, and cookies cannot access, read or modify any other data on a computer. All web-browsers offer the option to refuse any cookie, and if you refuse our cookie then we do not gather any information on that visitor.
5.3 Should you wish to disable the cookies associated with these technologies, you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our website.
6. Data Security
6.1 Great Eastern will take reasonable efforts to protect Personal Data in our possession or our control by making reasonable security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. However, we cannot completely guarantee the security of any Personal Data we may have collected from or about you, or that for example no harmful code will enter our website (for example viruses, bugs, trojan horses, spyware or adware). You should be aware of the risks associated with using websites.
6.2 While we strive to protect your Personal Data, we cannot ensure the security of the information you transmit to us via the Internet, and we urge you to take every precaution to protect your Personal Data when you are on the Internet. We recommend that you change your passwords often, use a combination of letters and numbers, and ensure that you use a secure browser.
6.3 If applicable, you undertake to keep your username and password secure and confidential and shall not disclose or permit it to be disclosed to any unauthorized person, and to inform us as soon as reasonably practicable if you know or suspect that someone else knows your username and password or believe the confidentiality of your username and password has been lost, stolen or compromised in any way or that actual or possible unauthorized transactions have taken place. We are not liable for any damages resulting from any security breaches, on unauthorized and/or fraudulent use of your username and password.
7.1 If you receive spam messages and want to report it to us, please forward the message you have received to email@example.com.
8. Third-Party Sites
9. Contacting Us – Withdrawal of Consent, Access and Correction of your Personal Data
9.1 If you:
Call: +95 25405 4093
Data Protection Officer
Data Protection & Governance Office
1 Pickering Street #01-01
Great Eastern Centre
9.2 Please note that if your Personal Data has been provided to us by a third party (e.g. a policyholder who has nominated you as beneficiary or the life assured), you should contact that individual to make such queries, complaints, and access and correction requests to Great Eastern on your behalf.
9.3 You may refuse to give, or may withdraw, your consent for us to collect, use or disclose your personal data and/or your insured persons' personal data by giving us reasonable notice so long as there are no legal or contractual restrictions preventing you from doing so. For example, you may withdraw your consent for your personal data being used for marketing purposes if this withdrawal will not affect our ability to provide you with the products and services that you asked for or have with us.
9.4 However, if you withdraw your consent for us to use your personal data for any purposes which we regard as necessary to provide you products and services supplied by or through us, such as for example, matters relating to the servicing and administration of your insurance policy, this may affect our ability to provide you with such products and services, including preventing us from keeping maintaining in force your insurance cover or properly assessing and processing your claims. Withdrawing such consent may also result in the termination of all your policies and contractual relationships with us. This may also be disadvantageous to you, as you may lose valuable benefits from the policy and/or it may not be possible for you to obtain a similar level of protection on the same terms in the future. There may be other consequences of your withdrawal which Great Eastern may advise you of. In the event of any withdrawal of your consents in relation to your personal data, Great Eastern's legal rights and remedies are expressly reserved.
10. Governing Law
10.1 This Privacy Statement and your use of this website shall be governed in all respects by the laws of Singapore.
We appreciate our customers' concerns about security issues when they conduct transactions over the Internet. We have implemented several ways to ensure that our customers' confidential transaction details and their policy information are protected and secured.
We use the following methods of protecting our customers' policy information and transactions:
User-id and passwords
The only way into our highly secured internal computer systems is through the use of our customers' individual valid user-ids and passwords, ensuring that only permitted users can gain entry into our computer systems.
Before entering your user ID and password, you should always ensure that the website you are visiting belongs to Great Eastern. This can be verified by the URL displayed in your browser as well as the Great Eastern's URL in its digital certificate. To verify the digital certificate, double click on the yellow icon (bottom right side of the screen) and make sure that the issuer is www.greateasternlife.com and the date is valid.
We constantly test our systems to ensure that no possible breaches of our security can happen such that our customers' security and confidential policy information is not compromised in any way. We are always on the look-out for new technology that will increase the security of our systems so that our customers can rest assured that their valuable and confidential information is kept safe.
C. Precautions You Should Take
1. Protect and safeguard your password
De-activate the function from storing or retaining your user-id/password on browsers by using the following steps:
Launch your Internet Explorer browser and click on "Tools" >> "Internet Options" >> "Content".
Under "Personal Information", click on "AutoComplete". Uncheck "User names and passwords on forms" and click on "Clear Passwords".
Click on "OK" to save your changes
2. Protect your PC from viruses and malicious programs
3. Beware of and Protect your PC from Spyware.
4. Avoiding Hoax Emails (Phishing emails)
5. Internet Security
Do business only with Internet companies that use a secure form to capture private information. To verify your session is secure, look for "https" instead of "http" in the URL address line. You can also check that your information is encrypted by ensuring that a symbol of a locked padlock appears at the bottom of your browser.
Launch your Internet Explorer browser and click on "Tools" >> "Internet Options" >> "General".
Under "Temporary Internet Files", click on "Delete Cookies" and "Delete Files" Click on "OK" to save your settings
6. Protect yourself from Smishing (SMS Phishing)
7. Vishing (Voice Phishing)
8. Mobile Security
9. Customer service for contingency matters
If you suspect that security breaches may have occurred and online transaction(s) might have been fraudulently accessed please do not hesitate to call our Hotline help: +95 5405 4093 or E-mail us at : firstname.lastname@example.org.
If you contact us via phone, our customer service officer will be able to advise you on the immediate action available. If necessary, your login access may be suspended to protect your interest. Our customer service officer may also obtain the necessary details from you regarding the matter to facilitate investigations.
If you notify us via email, please include your
Once we are notified of any dispute, we will commence investigations immediately and revert to you as soon as possible, depending on the complexity of the dispute.
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