KHC Holdings Pte Ltd (KHC) recognises its responsibilities and committed to ensure that your Personal Data is protected in relation to the collection, usage, disclosure, storage and transfer of Personal Data Protection Act (“PDPA”).
Personal Data will only be collected for lawful and relevant purposes and reasonable steps will be taken to ensure that personal data held by KHC is accurate. KHC will take reasonable steps to protect the personal data and to avoid unauthorized access.
What Personal Data We Collect
Under PDPA, personal data is defined as information about an individual who can be identified from that data; or from that data and other information to which the organisation has or is likely to have access.
As your preferred servicing agent of insurance products, services and advice, we require certain personal information from you for the purpose of offering suitable products and services to you. Personal data collected about you and your dependents may include:
General Identification and Contact Information
Name, address and telephone number, age, date of birth, gender, family and marital status, and occupation.
Identification Numbers issued by Government Agencies
NRIC, Passport, FIN No, Vehicle Registration Number
Financial Information and Account Details
Salary, Assets, Liabilities, Properties, Credit Card Number, Bank Account Number and Account Details.
Medical and Health Information
Health status, Injury or Disability Information, Medical Procedures Performed, Personal Habits (e.g. smoking or alcohol consumption) and Medical History.
Other Information enabling us to provide our products and services
- Previous insurance and claims experience
- Employment information
- Driving record
- Travel arrangements
- Criminal records
How we use your personal data
We may collect and use your personal data to:
- identify you
- communicate effectively with you
- price your application and any policy changes or renewals
- determine and verify your creditworthiness for the financial and insurance products you apply for
- provide financial advice and product recommendation
- provide you with ongoing services and respond to your inquiries or instructions
- make or obtain payments
- investigate your claims
- recover any debt owed to us
- detect and prevent fraud, unlawful or improper activities
- provide insurance or financial related marketing products or services
- promote complementary products or services to you from business partners with whom we have formed an association
- conduct surveys, research and statistical analysis
- coach employees and monitor for quality assurance
- comply with all applicable laws, including reporting to regulatory and industry entities
- resolve complaints and handle requests for data access or correction
We will only collect and use personal data in an open, fair and lawful way that is necessary for the purposes identified by us above.
How we disclose your Personal Data to third parties
We may disclose your personal data to third parties such as:
- your financial advisers
- medical professionals and institutions
- insurers and reinsurers
- local service providers to provide us with services such as printing, mail distribution, data storage, data entry, marketing and research, disaster recovery or emergency assistance services
- debt collection agencies
- dispute resolution parties
- parties that assist us to investigate, administer and adjudicate your claim
- financial institutions
- credit reference agencies
- industry associations
- regulators, law enforcement and government agencies
- business partners and affiliated companies
We will only disclose your Personal Data if it is reasonably required for the purposes stated above and the data is limited to information necessary for us and these third parties to do the work. These parties are also required to comply with the Singapore Personal Data Protection Act.
We may transfer Personal Data to service providers outside of Singapore for processing, storage, analysis, disaster recovery or emergency assistance services and this data may be required to be disclosed to those authorized under the applicable laws of that foreign country. These service providers with whom we have contractual relationships are required to provide a standard of protection to the transferred Personal Data that is comparable to the protection under the Singapore Personal Data Protection Act and consistent with our Personal Data protection policies and practices.
Obtaining Your Consent
We will only collect, use, disclose, store and transfer Personal Data for the above purposes with your consent or as allowed or required by law. We will tell you why we need your personal data before or at the time we collect it.
You can give your consent expressly or impliedly. Your expressed consent can be given to us in writing, verbally (e.g. through calling us) or electronically (e.g. through our website or email). Your implied consent can be given to us from your action or nature of dealings. For example, when your healthcare provider provides your Personal Data to us to enable us to process the payment for your healthcare claim.
Your authorized representative (such as your financial adviser or a person having a power of attorney) may give consent on your behalf.
Withdrawing Your Consent
You may refuse or withdraw your consent for us to collect, use or disclose your Personal Data by giving us reasonable notice so long as there are no legal or contractual restrictions preventing you from doing so.
But if you withdraw your consent for us to use your Personal Data, we will be unable to provide you with the products and services that you asked for or have with us, including preventing us from keeping your insurance cover in force or properly assessing and processing your claim. Withdrawing such consent will require you to surrender or terminate all your policies with us.
Using Information for Marketing Purposes
We do not sell, lease or distribute your information to unaffiliated third parties and the information you supplied will not be used by us for marketing purposes. However, if you wish to opt-in for marketing information, simply contact us to let us know.
We will take all reasonable efforts to ensure that your Personal Data collected by us or on our behalf is accurate and complete.
Your Rights of Access and Correction
Under the PDPA, you have the right to request access to any Personal Data of yours that we have, and know how it is being used and disclosed for the last 12 months to the extent your right is allowed by law. However, you may be charged a reasonable administrative fee for every request for such access.
You also have the right to request correction of your Personal Data.
Protecting Your Personal Data (Security)
We protect your personal data from unauthorized access, collection, use, disclosure, copying, modification or disposal by having physical, technological and organizational safeguards in place that are appropriate to the sensitivity of the data.
All our staffs, car dealers and intermediaries must comply with our privacy policies and practices and can only access your data to do their jobs.
We will keep your Personal Data only for as long as it is needed for the purposes for which it was collected and as required for business or legal purposes. Once your Personal Data is no longer required for these purposes, we will destroy, erase or make anonymous the data.
Additional Information We May Collect
We may also receive and store certain types of information whenever you interact with us on our corporate website. Through the use of “cookies”, which are small text files placed on your computer by websites, we are able to collect non-personal information such as your IP address, browser type, domain names, access times and referring website addresses.
We use the information collected for the following purposes:
- Keeping count of return visits to our website or our advertisers’ or strategic partners’ websites;
- Accumulating and reporting anonymous, aggregate, statistical information on websites and advertisement usage;
- Determining which features on our website that users like best;
Saving your password so you do not have to re-enter each time you visit our website.
The cookies used on our website will not collect your personal information unless you specifically provide us with the information. You may opt to disable cookies or prevent your browser from accepting new cookies through the browser settings.
If you choose not to allow us to place a cookie on your computer, this may restrict your ability to perform certain transactions, use certain services or access certain content on our website.
If you have any concern, query or complaint about our Personal Data Protection policies and practices or wish to request access to, update or correct your Personal Data, please contact:
The Data Protection Officer
389A Balestier Road
Email: [email protected]