Your Privacy Matters to Us

This section provides specific details of how we treat any information you might wish to provide us when you visit this website. Your use of this website indicates your acceptance of these terms.

Use of information and materials

Products and services referred to in this web site are offered only in jurisdictions where and when they may be lawfully offered by members of the Alliance Organisation. The materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.

These pages should not be regarded as an offer or solicitation to any products in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.

The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice when necessary.

‍Copyright, trademarks

Alliance Organisation and other parties own the trademarks, logos and service marks displayed on this site and users are prohibited from using the same without written permission of Alliance Organisation or such other parties.

The materials on this site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without Alliance Organisation's prior written consent.

No warranties

While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "as is" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.

Linked websites

Alliance Organisation is not responsible for the contents available on or the set-up of any other web sites linked to this site. Access to and use of such other web sites is at the user's own risk and subject to any terms and conditions applicable to such access/use.

‍E-mail

E-mail messages sent to Alliance Organisation over the Internet cannot be guaranteed to be completely secure. Alliance Organisation will not be responsible for any damages incurred by users if they send a message to Alliance Organisation, or if Alliance Organisation sends a message to them at their request, over the Internet. Alliance Organisation is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.

Transmission over the internet

Due to the nature of the internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. Alliance Organisation will not be liable for malfunctions in communications facilities not under our control that may affect the accuracy or timeliness of messages and transactions you send.

‍Data security

Alliance Organisation will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

Collection of personal data

Use of "cookies" - Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser.

Data protection policy

Your privacy is important to us. This Privacy Policy outlines how your Personal Data will be managed in accordance with the Personal Data Protection Act("PDPA") which strives to protect personal data of individuals. Please take a moment to read this Privacy Policy so that you know and understand the purposes for which we may collect, use and/or disclose your Personal Data.

You agree and consent to Alliance Organisation, authorised service providers and relevant third parties collecting, using, disclosing and/or sharing your Personal Data in the manner set forth in this Privacy Policy. 

This Privacy Policy supplements but does not supersede nor replace any other consents which you may have previously provided to us nor does it affect any rights that we may have at law in connection with the collection, use and/or disclosure of your Personal Data. We may from time to time update, amend, supplement and/or substitute this Privacy Policy from time to time to ensure it 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 Policy as updated from time to time on Alliance Organisation's website.

Your personal data

In this Privacy Policy, "Personal Data" refers to any data or information about you from which you can be identified either from that data or from that data and other information to which we have or are likely to have access. Examples of such Personal Data include:

• Your name, email address, contact number and any other information relating to you which you have provided us in any forms you may have submitted to us, or in other forms of interaction with you
• Information about your use of our website and services, including cookies, IP address, policy and claims history information
• Information about your usage of and interaction with our website and/or services including computer and connection information, device capability, bandwidth, statistics on page views, and traffic to and from our website

Collection of personal data

Generally, Alliance Organisation may collect your Personal Data in the following ways:

• When you access our website
• When you interact with any of our agents
• When you request that we contact you
• When you respond to our initiatives or promotions
• When you submit your Personal Data to us for any other reason
• When you browse our website, you generally do so anonymously, but please see section 6 below on cookies.

Purposes for the collection, use and disclosure of your personal data

Generally, Alliance Organisation may collect, use and/or disclose your Personal Data for the following purposes:

• Evaluating and providing advice and/or recommendations to you regarding the type of products and services suited to your needs
• Assessing and processing any applications or requests made by you for products and services
• Communicating with you to inform you of changes and updates to our policies, terms and conditions and other administrative information, including without limitation for the purposes of servicing you in relation to products and services offered to you
• Administering, maintaining, managing and operating the products and services offered to you, including government-driven schemes
• Verification of your identity for the purpose of providing you with our services
• Responding to your queries and requests and handling complaints
• Conducting market research for statistical profiling and other purposes to understand and determine customer preferences and demographics in order for us to review, develop and improve the products and services which we are providing to you (including without limitation to ensure that the products and services offered are relevant to you)
• Conducting analysis related to our business operations
• Managing our infrastructure and business operations and complying with internal policies and procedures
• Archival of documents and records in both electronic and physical form for record keeping purposes
• Maintaining records of customer instructions, whether through phone recordings, hard copy documents, soft copy documents or instructions given via electronic or other means
• Facilitating the verification and checks of your Personal Data in order to provide you with our products and services which you have requested
• Preventing, detecting and investigating crime, including fraud and any form of financial crime, and analysing and managing other commercial risks
• Subject to applicable law, 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.

Where personal data is submitted by you on behalf of another individual or concerns another individual other than yourself (or, in the case of situations where you, as a representative of your company or organisation, are submitting the personal data of individuals as part of the disclosures by the company or organisation to us), you represent and warrant to us that all the necessary consents (procured in accordance with all applicable data protection legislation, including without limitation the PDPA, for such purposes stated in the relevant sections of this Privacy Policy) have been obtained from the relevant individuals and that you have retained proof of these consents, such proof to be provided to us upon our request.

Alliance Organisation may collect, use and/or disclose your Personal Data for the following purposes:

• Processing and sending /receiving documents in respect of your insurance application
• Administering, maintaining, managing and operating the products and services offered to you, including reinsured products by other companies and government-driven schemes
• Sending updates and administrative notices to you in relation to the products and services used by you, including notification of maturity of payments and maturity of policies
• Underwriting of policy risks
• Assessing and processing of any claims arising under your policy
• Collecting premiums and debt collection
• Any other purpose directly relating to any of the above

If you do not interact with us in the manners specified above, we may collect, use and/or disclose your Personal Data for the following purposes, in accordance with the PDPA:

• The purposes for which we have specifically obtained your consent
• The purposes for which you have provided your Personal Data to us

Marketing / optional purposes

Where you have specifically provided us with additional consents, Alliance Organisation may also collect, use and/or disclose your Personal Data for the following purposes:

• Providing benefits to you, including without limitation promotions, loyalty and reward programmes and sending you details of products, services, special offers and rewards, either to our customers generally, or which may be of interest to you
• Matching your Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the provision or offering of products and services, whether by Alliance Organisation, or other third parties
• Fulfilling your referral requests
• Administering contests and competitions
• Participation in Alliance Organisation's marketing initiatives
• Participation in Alliance Organisation's branding activities (including without limitation written or video/audio recordings of your quotes and testimony for media pitching, press releases, etc. )
• Invitations to participate in Alliance Organisation's corporate sustainability activities, and the video/audio recording of your feedback and testimony in relation thereto
• Developing special offers and marketing programmes

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, we may contact you using such Singapore telephone number(s) (including via voice calls, SMS, fax or other means) with information about our products and services (including discounts and special offers).

Disclosure of personal data

Alliance Organisation may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of Alliance Organisation
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

Use of cookies

We may collect or analyse anonymised information from which individuals cannot be identified ("Aggregate Information"), such as number of users and their frequency of use, the number of page views (or page impressions) that occur on our websites and common entry and exit points into our websites.

We use "cookies", where a small data file is sent to your browser to store and track Aggregate Information about you when you enter our websites. The cookie is used to track information such as the number of users and their frequency of use, profiles of users and their preferred sites.

The Aggregate Information collected is used to assist us in analysing the usage of our websites and improving our websites.

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 websites.

Third-party sites

Our website may contain links to other websites that are not operated by us.

If you click a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Withdrawal of consent

If you wish to withdraw your consent to any use or disclosure of your Personal Data by Alliance Organisation as set out in this Data Protection Policy, you may email us through pa.tanengseng@hsbc.com.sg.

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