Introduction
At Abacare Singapore Pte Ltd (“Abacare SG”), we respect the privacy and confidentiality of the personal data of our clients / customers, associates, partners, and others whom we interact with in the course of providing our services. We are committed to implement policies, practices, and processes to safeguard the collection, use and disclosure of the personal data you provide us, in compliance with the Singapore Personal Data Protection Act (PDPA) 2012.
We have developed this Data Protection Notice to assist you in understanding how we collect, use, disclose, process, protect and retain your personal data that is in our possession.
Personal data refers to any information that can uniquely identify an individual person:
On its own or
When combined with other information.
Under the PDPA, business contact information (example, business name, business address, business telephone number) is not considered as personal data so long as it is used strictly for business-to-business (B2B) transactions.
How we collect your personal data
We collect your personal data through the following methods / channels:
When you wish to preview a product or service
When you leave your contact details online
When you register as a participant
When you indicate you wish to have follow-up with a salesperson
When you subscribe to an online portal
When you submit an application form
When you sign up for a service
When you respond to a marketing call for new product or service
Social Media such as Blog, Facebook, Twitter
When you make payment
When you send in your job application form
When you attend Webinars / Seminars via online platform where you need to register for attendance.
Types of personal data we collect about you
The types of personal data we collect about you may include:
Personal Contact Information (Name, Address, Phone Number, Email Address)
Personal Details (Name, Gender, Date of Birth, Country of Birth, Country of Residence, Citizenship, Race / Ethnicity)
Family Background and Details
Education and Professional Qualifications
Employment Details & History
Criminal Background / Past Offences
Personal Details
Medical Details / Health Information
Photos & Video Footage
Academic History
Financial Information
How we use your personal data
We use the personal data we have collected for one or more of the following purposes:
Provide updates on changes / notifications
Conduct credit checks, screenings or due diligence checks as may be required under applicable laws / regulations
Provide information to regulators / affiliates / associates about your credit worthiness
Provide information to affiliates / associates about your transaction
Process and administer insurance claims
Determine your financial status
Servicing of policies and accounts
Underwrite policies
Provide financial and advisory services
Offer you other insurance and financial services products that may suit your needs
Seek professional advice, including legal advice
Monitor and maintain a copy of your record of academic achievement (including all information arising from investigations of misconduct)
Analyze academic and learning outcomes and preferences
Prevent potential illegal activities
Determine eligibility for admission
Process applications, registrations, or enquiries
Conduct surveys relating to products and services
Plan the provision of educational courses
Analyze and data-mine to deliver better products and services
For purpose of marketing, promotions, and customer relationship management
Conduct market research and analysis
Conduct needs analysis and requirements
Provide information on events, conferences, seminars, or workshops
Conduct telemarketing activities
Conduct joint marketing with other companies and service providers
Analyze sales and marketing data
Send latest product announcements, updates, and upcoming events
Conduct lead generation activities
Conduct direct marketing activities
Notify you about products, services, or special offers
Notify you about enhancements to our services
Provide information about products and services
Benefits & compensation management
Payroll processing
Recruitment & selection
Personnel management
Staff Appraisals
Training & career development
Processing & administration of employment records
Comply with legal obligations and regulatory requirements
Manage and improve our business and operations to serve you better
Fulfil requests for products and services
Send information and updates
Verify your identity, and process orders and applications for services
Provide customer service and support
Investigate complaints, claims and disputes
Detect and protect against error, fraud, or other criminal activities
Internal purposes for accounting, auditing, and booking
Help improve products and services
Process payment for products and services
Update records in our database
Carry out our obligations arising from any contracts entered into between you and us
Enforce obligations owed to us
Fulfil orders and services
Respond to inquiries and provide customer services
Process contract renewals and upgrades
Provide security-related services
Develop, enhance, market, and provide products and services
Enforce terms and conditions of use
Analyze risk and business results
Process and administer employment records
Develop new applications, products, and services
Internal purposes for auditing, data analysis and research
Provide information to subsidiaries or partners that perform services
Delivery of products and services
Customer care and account management
Billing and payment processing
Analyze the use of our products, services, and sites
Obtain opinions, comments about products and services
Enhance customer experience
Respond to queries and feedback
Protect against or identify possible fraudulent transactions
Conduct risk assessment
Pass information about you to our representatives and associates to carry out services
Process applications and registration
Account payables / receivables
Sales commissions
Claims & disbursements
Income tax returns
Improve site and service performance and delivery
Analyze website visits
Provide usage of online services
Protect the security or integrity of our websites and our business
Communicate with customers, members, and website visitors
Manage website and social media platforms
Ensure content is presented in most effective manner
Who we disclose your personal data to
We may disclose some of the personal data we have collected to the following entities, organisations and 3rd parties outside Abacare SG so as to fulfill our services to you:
Banks and Finance Companies (Mortgage Referrals)
Insurance Companies
Investment Platforms
Various Law Enforcement Agencies for Security, Customs and Immigration Purposes
Regulatory Authorities (eg. Monetary Authority of Singapore (MAS), Personal Data Protection Council (PDPC), etc.)
Delivery, Freight and Courier Services
Email Vendors
Other Contracted Service Providers
Conference Organizers
Payroll Processing Services
Media and Other Publications
Sales Associates
Business Partners
Financial Advisors
External Parties (Recruiters, Auditors & Lawyers)
Complainants
Employees / Staff
Next-of-Kin / Guardians
Planning Research & Development Providers
Information Technology Service Providers
Legal Services
IT Support for Web Sites
Webhosting Companies
Outsourcing Vendors / Agencies
Third party vendors / Agencies
Where required to do so by law, we may disclose personal data about you to the relevant authorities or to law enforcement agencies.
How we manage the collection, use and disclosure of your personal data
Obtain Consent
Before we collect, use, or disclose your personal data, we will notify you of the purpose on why we are doing so. We will obtain written confirmation from you on your expressed consent. We will not collect more personal data than is necessary for the stated purpose.
We will seek fresh consent from you if the original purpose for the collection, use or disclosure of your personal data has changed.
Under certain circumstances, we may assume deemed consent from you when you voluntarily provide your personal data for the stated purpose (eg. when you apply for a job with us using our job application forms).
We may rely on exceptions to the need for consent under the PDPA for the collection, use or disclosure of your personal data under the following circumstances:
The personal data is publicly available.
The personal data is disclosed by a public agency or disclosed to a public agency.
The personal data is necessary for any investigation or proceedings.
The personal data is necessary for evaluative purposes (eg. determining the suitability of a job applicant for the job applied for).
The personal data is necessary for the purpose of managing or terminating an employment relationship.
The personal data is necessary for a business asset transaction.
Withdrawal of Consent
If you wish to withdraw consent, you should give us reasonable advance notice. We will advise you of the likely consequences of your withdrawal of consent (eg. without your personal contact information, we may not be able to inform you of future services offered by us).
Your request for withdrawal of consent can take the form of an email or letter to us, or through the “UNSUB” feature in an online service.
Use of Cookies
We use “cookies” to collect information about your online activity on our website. A cookie is a small text file created by the website that is stored in your computer to provide a way for the website to recognise you and keep track of your preferences. The cookie makes it convenient for you such that you do not have to retype the same information again when you revisit the website or in filling electronic forms.
Most cookies we use are “session cookies”, which will be deleted automatically from the hard disk of your computer at the end of the session.
You may choose not to accept cookies by turning off this feature in your web browser. Note that by doing so, you may not be able to use some of the features and functions in our web applications.
Third Party Consent
If you do a transaction with us on behalf of another individual that will require you to provide that individual’s personal data to us, you must ensure that this individual has given his / her expressed consent to provide his / her personal data to us through you. We will require you to get a written confirmation from this individual that he / she has indeed given his / her expressed consent to you for us to collect, use or disclose his / her personal data.
How we ensure the accuracy of your personal data
We will take reasonable steps to ensure that the personal data we collect about you is accurate, complete, not misleading and kept up to date.
From time to time, we may do a data verification exercise for you to update us on any changes to the personal data we hold about you. If we are in an ongoing relationship with you, it is important that you update us of any changes to your personal data (such as a change in your mailing address).
How we protect your personal data
We have implemented appropriate information security and technical measures (such as data encryption, firewalls, and secure network protocols) to protect the personal data we hold about you against loss; misuse; destruction; unauthorised alteration/modification, access, disclosure; or similar risks.
We have also put in place reasonable and appropriate organisational measures to maintain the confidentiality and integrity of your personal data and will only share your data with authorised persons on a ‘need to know’ basis.
When we engage third party data processors to process personal data on our behalf, we will ensure that they provide sufficient guarantees to us to have implemented the necessary organisational and technical security measures and have taken reasonable steps to comply with these measures.
How we retain your personal data
We have a document retention policy that keeps track of the retention schedules of the personal data you provide us, in paper or electronic forms. We will not retain any of your personal data when it is no longer needed for any business or legal purposes.
We will dispose of or destroy such documents containing your personal data in a proper and secure manner when the retention limit is reached.
How you can access and make correction to your personal data
You may write to us to find out how we have been using or disclosing your personal data over the past one year. Before we accede to your request, we may need to verify your identity by checking your NRIC or other legal identification document.
We will respond to your request as soon as possible, or within 30 days from the date we receive your request. If we are unable to do so within the 30 days, we will let you know and give you an estimate of how much longer we require. We may also charge you a reasonable fee for the cost involved in processing your access request.
If you find that the personal data, we hold about you is inaccurate, incomplete, misleading or not up to date you may ask us to correct the data. Where we are satisfied on reasonable grounds that a correction should be made, we will correct the data as soon as possible, or within 30 days from the date we receive your request.
Transfer of personal data
Where there is a need to transfer your personal data to another country outside Singapore, we will ensure that the standard of data protection in the recipient country is comparable to that of Singapore’s PDPA. If this is not so, we will enter into a contractual agreement with the receiving party to accord similar levels of data protection as those in Singapore.
Ways to contact us
Telephone: 6329 0990
Email: dpo@abacare.com
Address: 78 South Bridge Road, #05-01 TKH Building, Singapore 058708
All queries or complaints should include, at least, the following details:
Your full name and contact information,
Brief on background and the nature of your query or complaint,
The outcome you would like out of our investigations.
Changes to this policy
We may update this policy from time to time. We will notify you of any changes by posting the latest procedures on our website. Please visit our website periodically to note any changes.
Changes to these procedures take effect when they are posted on our website.