About Us

Privacy Policy

1. Introduction

At Underwriting Agencies of Singapore Pte Ltd (‘UAS’), we are committed to protecting the personal data of our customers. We are bound by the Personal Data Protection Act 2012 (PDPA).

We will only collect, use or disclose personal data in accordance with the PDPA and this Privacy Policy.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the “Privacy” link on our website homepage at https://uas.sg. You should check the Privacy Policy regularly for changes.

Any data we collect that identifies an individual is personal data and is governed by the PDPA. In this Privacy Policy, “personal data” as defined in the PDPA means any data, whether true or not:

  • about an individual who can be identified from that data or,
  • from that data and other information to which we have or are likely to have access.

2. When do we collect personal data?

We collect personal data in a number of ways. The most common circumstances in which we collect personal data are when your personal data is used for:

  • processing and assessing of applications for any insurance products and daily operation of the related services;
  • any alterations, variations, cancellation or renewal of any insurance and related services; and
  • any claims or investigation or analysis of such claims.

3. What personal data do we collect?

The types of personal data we collect from you will depend on the circumstances in which that information is collected.

When we process an application for insurance, personal details are usually collected. This may include:

  • your name
  • mobile phone number
  • residential phone number
  • office phone number
  • residential address
  • correspondence address
  • email address
  • age
  • gender; and
  • occupation

If a claim is made under a policy, we may request further information from you. However, we will then only collect information needed to manage that claim.

4. What do we use personal data for?

The purposes for which your personal data will be used will depend on the circumstances in which that personal data is collected.

Generally, we may use your personal data for:

  • the purpose for which you provided it to us;
  • purposes which are directly related to the purpose for which you provided it to us; and
  • any other purposes to which you have consented.

For examples of usage, please refer to the PERSONAL INFORMATION COLLECTION STATEMENT below.

5. Do we use personal data for direct marketing?

We do use some of the personal data we collect to send marketing material and special offers to our customers, but only in accordance with the rules about direct marketing contained in the PDPA.

If we intend to use your personal data for direct marketing purposes or provide your personal data to third parties for direct marketing purposes, we will inform you of that at or before the time we collect your personal data. We will provide you with an opportunity to opt-out of that direct marketing at that time if you so request.

If you do not opt-out of direct marketing at that time, but you later decide that you no longer wish to receive direct marketing, you may ask us to cease any further direct marketing by contacting us at enquiry@uasg.com.sg

6. To whom do we disclose personal data?

The third parties to whom your personal data will be disclosed will depend on the purposes for which that personal data is used.

Generally, we may disclose your personal data as necessary for:

  • the purpose for which you provided it to us;
  • purposes which are directly related to the purpose for which you provided it to us; and
  • any other purposes to which you have consented.

We may also need to share your personal data with our agents or contractors, such as investigators, assessors, legal representatives and reinsurers.

Where we arrange for medical treatment or rehabilitation services, we may need to share your health information with medical practitioners and other health care providers.

For examples of disclosure, please refer to the PERSONAL INFORMATION COLLECTION STATEMENT below

In exceptional circumstances, we may be required or permitted by law to disclose personal data, for example to law enforcement authorities or to prevent a serious threat to public safety.

7. How is personal data secured?

We will take all reasonable practicable steps to ensure that your personal data is protected against unauthorised access, processing, erasure, loss or use.

Our security measures include:

  • Before sending documents containing personal data to a customer we ensure that the address of the customer is accurate and up-to-date, to minimize the risks of the data put to the risk of accidental disclosure to unrelated third parties.
  • We formulate our policies and practices to specify the period of retention of customers’ personal data.
  • Documents containing personal data such as such as insurance application form or policy are securely kept against access by unauthorised parties. Personal data stored electronically in computers or portable storage devices are protected with adequate IT security measures and access control.

8. Accessing and correcting your personal data

Our aim is to always have accurate and up-to-date information. When you receive policy schedules, renewal notices or other correspondence from us you should contact us if the information shown is not correct. Where reasonably possible, we will correct the information held in our files or on our systems.

You may contact us to seek access to or seek to correct personal data which we hold about you. There are certain exemptions under the PDPA which may apply to personal data access and correction requests. We may require that you, the person requesting access or correction, provide suitable identification and we may charge a reasonable administration fee for complying with a data access request.

Requests for access to and/or correction of personal data held by us, should be addressed to enquiry@uasg.com.sg or made in writing to the Compliance Manager, using the contact details provided below.

9. Erasure of personal data

We will take all reasonable practicable steps to erase personal data which we hold about you where the personal data is no longer required for the purpose for which it was collected and used. There are certain exemptions under the PDPA which may apply to erasure of personal data, such as if any such erasure is prohibited under any law or it is in the public interest for the data not to be erased.

10. Data transfers

We may transfer personal data which we hold about you to a place outside Singapore in specified circumstances as set out in the PDPA.

11. Your consent and rights

By using our service, purchasing our products making an application or visiting our website, you consent to the collection and use of your information and other activities as outlined in this Privacy Policy.

12. Queries and comments

If you have a complaint or want more information about how UAS is managing your personal data, please contact the Compliance Manager using the contact details provided below. For security reasons, any request for details of personal data held by us should be made in writing.

PERSONAL INFORMATION COLLECTION STATEMENT

The information you provide to enable us to carry on insurance business and may be used for the purpose of any insurance or financial related product or service or any alterations, variations, cancellation or renewal of such product or service; any claim or investigation or analysis of such claim; and exercising any right of subrogation, and may be transferred to:

1) any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claims or investigation or other service provider providing services relevant to insurance business for any of the above or related purposes;

2) any association, federation or similar organization of insurance companies (“Federation”) that exists or is formed from time to time for any of the above or related purposes or to enable the Federation to carry out its regulatory functions or such other functions that may be assigned to the Federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Federation, and

3) any members of the Federation by the Federation for any of the above or related purposes.

Moreover, we are hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Federation from the insurance industry.

For all data protection enquiries, please contact:

Regional Manager Agencies Asia

1 Wallich Street,
#35-01 Guoco Tower
Singapore 078881

Phone: +65 9068 9315
Email: enquiry@uasg.com.sg