1. Who are we?

 

Insurance Empire takes your privacy very seriously.

 

This Privacy Policy explains how we will use information about you and the steps we take to ensure your information is kept secure and confidential. It should be read together with our Disclaimer.

 

 

2. How do we collect information?

 

• We may obtain information from you through the websites, mobile applications or other similar devices or channels.
• Insurance Empire does not share your personal information with any non related third party pertaining to your enquiries.
• Insurance Empire is the data controller in relation to the processing of the personal information that you provide to us when using the Services. If you have any queries relating to our use of your personal information, or any other related data protection questions, please contact our Customer Services Team at : hello@insuranceempire.sg

 

 

3. What information do we collect?

 

• We collect personal information about you when you give this to us in the course of registering for and/or using our Services via Insurance Empire. This might be, for example, to obtain comparative quotes for Home Loan, Life Insurance, Endowment ,Retirement or Annuity Plans. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your transactions.
• We may monitor or record your Calls, Email or SMS or other communications but we will do so in accordance with data protection legislation and other applicable law.
• We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

 

 

4. How do we use your information?

 

We may use your personal information:

 

• to enable you to access to customised quotations via our partner bankers and insurance specialists to personalise and improve aspects of our Services;
• for research, such as analysing market trends and customer demographics;
• to communicate with you, including some or all of the following:
• sending you information about products and services which we think may be of interest to you – this may include new product launches, newsletters and opportunities to participate in market research;
• to be shared with our providers to provide the service as required by you. When we do this, partners may carry out soft credit checks on you.
• to process a transaction between you and a third party;
• to search the websites of our partners in order to obtain the best quotes available to you;
• to track sales, which may involve us sharing data with your product provider relating to the product(s) you have purchased. Your product provider may also send us information they hold relating to the product(s) you have purchased for this purpose;
• to match our data with data from other sources – we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as possible;
• Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you; Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.

 

 

5. Who do we share your information with?

 

When you use any of our Services, you consent to us disclosing your personal information to the following parties depending on the nature of your enquiry:

 

• Partnered Insurance Specialist for Quotation purpose
• Law Firms for Conveyance
• Our partners including but not limited to companies whose products or services are included on our Sites, with a view to them: (i) providing you with an online quote for the product/service requested by you. When these companies use your information in this way, they will be acting as data controllers of your information and therefore we advise you to read your chosen provider’s Privacy Policy; and/or (ii) using our customer insight products to understand customer behaviours and develop their product offerings. Some third parties with whom we share your information may use it to carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future;
• trusted third parties but only where you have opted in to allow us to do so and where we believe their products, services or other offers may interest you.

 

 

6. What cookies do we use?

 

• A cookie is a very small text file placed on your computer or device. Cookies help us to:
• understand browsing habits on the Sites;
• understand the number of visitors to the Sites and the pages visited; and
• remember you when you return to the Sites so we can provide you with access to previously saved quotes.
• Most cookies are deleted as soon as you close your browser or mobile application – these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire.
• You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites on your system.

 

 

7. Your rights and responsibilities

 

• You have the rights to request that we delete all your information being shared by yourself or any consenting or non consenting third party on our site.
• Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

 

 

Insurance Empire reserves the right to update, amend or change the content of this Web Portal without notice.

 

 

WEBSITE TERMS AND CONDITIONS for Insurance Empire

 

These terms and conditions govern your use of our website. Please read the terms in full before you use this website. If you do not accept these terms, please do not use this Website. Using the Website implies that you accept these terms. We do occasionally update these terms so please refer back to them in the future.

 

 

1. SITE ACCESS

 

You will be able to access the majority of this Website without having to register or input any of your personal details with us.

 

 

2. USE OF SITE

 

• You are permitted to use our website for your own purposes and to print and download material from this Website. Material on this website must not be republished online or offline without our permission.
• The intellectual property rights in all material on this Website are owned by us and must not be reproduced without our prior consent.
• No part of this Website may be reproduced without our prior written permission.

 

 

3. SITE FUNCTIONALITY

 

While we take all reasonable steps to ensure that this Website is available 24 hours every day, our site may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control.

 

 

4. YOUR CONDUCT

 

Any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary : hello@insuranceempire.sg we will be free to share your personal data with third party providers as long as they are related to the service and product you enquired.

 

 

5. AFFILIATE LINKS TO AND FROM OTHER WEBSITES

 

• Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website linked to from this Website, it is at your own risk.
• If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions:
• you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us in writing;
• you do not misrepresent your relationship with us or present any false information about us;
• you do not link from a website that is not owned by you; and
• your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the Republic of Singapore

 

 

6. DNC & CONTACT BY FINANCIAL ADVISOR REPRESENTATIVES

 

We aim to assist you with the education, comparison and research of insurance products in Singapore. We do not charge any fee on usage of this website. When you submit a request to us for a Financial Adviser Representative, you are giving us and the Financial Adviser Representative the explicit consent to contact you even if you are registered with the National DNC (Do-Not-Call) Registry. If you change your mind, you may withdraw your consent and we will accede to your request.

 

We merely provide a platform for you to communicate with a Financial Adviser Representative. While we endeavor to introduce a well-trained, qualified Financial Adviser Representative to you, you are also advised to exercise your due diligence. We are not responsible for any loss arising from the advice, conduct, acts and /or omissions of the Financial Adviser Representative.

 

The Assigned Financial Adviser is not our representative, agent, principal, employee, employer, master, or servant and shall not hold out to you or any person in any manner that he/she is the representative, agent, principal, employee, employer, master, or servant of Insurance Empire.

 

If you are not satisfied with any products or services provided by a Financial Institution or Financial Adviser Representative, you should send your feedback to that party directly.

 

 

7. EXCLUSION OF LIABILITY

 

• Neither we nor any other party shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of this site. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website.
• Nothing in these Terms shall exclude or limit liability for any liability which cannot be excluded under the law of the Republic of Singapore.

 

 

8. GOVERNING JURISDICTION

 

This Legal Notice shall be governed by and construed in accordance with Singapore law. Any dispute(s) arising in connection with this Legal Notice are subject to the exclusive jurisdiction of Republic of Singapore or a jurisdiction mutually agreed.

 

 

Insurance Empire reserves the right to update, amend or change the content of this Web Portal without notice.