I/We agree and consent that the Company may collect, use, process and disclose the personal data provided by me/us to the Company through this web page, any documents provided by me/us to the Company from time to time and other sources (including other insurers, financial and medical institutions) as the Company deems appropriate and relevant for the purposes of –

(a) providing advice or recommendation for insurance products offered by the Company;

(b) processing, considering and underwriting my/our insurance application(s) with the Company. It includes on-going due diligence and screening activities (including background checks, anti-money laundering, “know-your-client”, creditworthiness, financial and medical conditions, and to review whether to continue insuring me/us or the Life Assured) in accordance with applicable legal and regulatory obligations or the Company’s policies;

(c) administering, servicing (including pre- and post- sales support), managing and maintaining my/our relationship and policy(ies) with the Company (including the mailing of correspondences to me/us involving the disclosure of my/our personal data printed on the external envelopes);

(d) carrying out the operations and transactions under my/our policy(ies) including debt recovery, making and obtaining payments;

(e) processing, investigating and settling the claim under my/our policy(ies) issued by the Company or other insurers;

(f) carrying out my/our instructions or responding to my/our enquiries;

(g) detecting, preventing or investigating fraud, misconduct, unlawful activity or omission relating to this web page, claim or policy(ies) issued by the Company or other insurers, and whether there is any suspicion of the aforementioned;

(h) storing, hosting, backing up (whether for disaster recover or otherwise) of the personal data whether within or outside Singapore;

(i) complying with applicable legal and regulatory obligations in managing my/our relationship and policy(ies) with the Company, including the regulatory and industry association reporting obligations;

(j) carrying out research, survey and statistical analysis;

(k) reinsuring arrangement and management;

(l) employees training and quality assurance programme;

(m) informing or engaging me/us for the Company’s charity events; and

(n) sending me/us the marketing, advertising and promotional information about the insurance products, financial or investment products or services that the Company is or may be selling or marketing which may be of interest or benefit to me/us, including the update of the same (“Marketing Materials”) via:

Postal mail to my/our postal address and electronic transmission to my/our email address;

I/we wish to opt in to receiving the Marketing Materials from the Company via:

o    postal mail

o    electronic mail

 (collectively, the “Purposes”).

I/We agree and consent that the Company may disclose the personal data to the third parties (whether sited in or outside Singapore) in carrying out one or more the Purposes and such third parties may use and process the personal data for one or more of the Purposes. The third parties include:

(a) my/our financial advisers, agents, brokers or the Company’s distribution intermediaries;

(b) the Company’s head office, regional office, subsidiaries, branches and/or related corporations (collectively, “Group Companies”);

(c) auditors, lawyers, service providers or agents who supply services to the Company such as information technology service, data entry and storage, mail distribution, claim assessment and administration, payment, cheque printing, marketing, research, emergency assistance service, medical and professional service;

(d) reinsurers, other insurers, financial institutions, credit reference agencies and debt collection agencies; and

(e) governmental / regulatory authorities, industry association, courts, dispute resolution forum (of which have jurisdiction over the Company or its Group Companies) or legal process participants and their advisors.

I/We acknowledge, declare and agree that:

(a) the personal data may be withdrawn at any time by giving reasonable notice to the Company;

(b) if I/we have withdrawn consent for the Company to collect, use, process and disclose the personal data in relation to my/our insurance policy(ies), it may affect the Company’s ability or prevent the Company from keeping my/our insurance policy(ies) in force or supplying the services to me/us. In such a case, I/we may be required to surrender or terminate all my/our policies with the Company upon the withdrawal of such consent and I/we agree to bear all losses resulting from the same;

(c) the withdrawal of consent for sending me/us Marketing Materials will not impact the Company’s ability or prevent the Company from keeping my/our insurance policy(ies) in force or supplying the services to me/us. I/We will give reasonable notice to the Company if I/we wish to withdraw consent for Marketing Materials or change the communication mode to receive them;

(d) the Company may collect, use, disclose and/or process the personal data without my/our consent if permitted under any applicable law; and

(e) I/we have read, understood and agree to observe the clauses contained in this web page and the Company’s Data Protection Policy available at www.tokiomarine.com

Last Updated on June 2022