We are Direct Asia Insurance (Singapore) Pte Ltd ("we", "us" or "DirectAsia"). We provide our own insurance products and services and those of our selected partners, mostly online via our website: www.DirectAsia.com, by telephone and at our offices.
Our Online Security and Privacy Statement ("Privacy Statement")
This Privacy Statement sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us and our partners, so please read it carefully. By using our website and/or by purchasing our insurance products either online, by telephone or at our offices, you consent to your personal information being processed by us in the manner described in this Privacy Statement. This is our current Privacy Statement. It replaces any previous Privacy Statement published by us.
Your privacy and security are important to us
Your privacy is important to you and it's important to us. It's a responsibility we take very seriously. We value the personal information you give us and will take all reasonable precautions to prevent unauthorised access to that information.
How to contact us
Questions, comments and requests regarding this Privacy Statement are welcomed and should be addressed to our data protection officer.
Our data protection officer can be contacted at email@example.com. To access or correct your personal information, please see below. To unsubscribe from receiving marketing materials, please see below.
Why do we collect personal information?
We need personal information to be able to:
- give you an accurate quote;
- identify insurance products and services for you;
- process your application for insurance products and services and carry out variations, cancellations, endorsements or renewals;
- supply insurance products and services to you;
- manage and administrate your insurance policies;
- assess and pay any claims;
- communicate with you, respond to your queries and verify your identity;
- improve our services and performance;
- compile statistics to allow us to improve our products and services for you;
- for quality and training purposes;
- for security purposes; and
- prevent and detect fraud or loss.
What type of personal information do we collect?
The personal information we collect includes your name, identification number, address, date of birth, contact details (for example phone and email), driving and other background history and information about your insurance experience, including data about your transactions with us. We may also collect personal information about someone else from you, for example when you apply for a product or service in joint names or where you are nominating other people on your policy (for example another driver or travel companion). If you provide personal information to us about someone else, you're responsible for telling the other person that you've provided personal information about them to us.
How do we collect personal information?
We collect personal information when you use our website, when you call us, when you visit our offices or when you otherwise get in contact with us.
While we will collect most of the information from you, we might also collect personal information about you from someone else when we are processing your application for insurance coverage or are assessing a claim under your policy. This may include another insurer, an insurance investigator, claims manager or a medical provider.
At our offices we may record you using CCTV for quality, training, security and record keeping purposes.
What about other information – non-personal information?
When you visit and browse our website, we also collect general information (like your internet protocol (IP) address) that won't personally identify you. This information allows us to maintain, evaluate and improve our site's performance.
We may also collect and use aggregated non-personal information to assess our offerings and to consider improvements to our products and services.
Will we send you advertising and marketing materials?
From 2 July 2014, for new customers we will only send you marketing materials about our products and services or those of selected third parties if we have your consent to do so. We will normally obtain your consent when you purchase a policy from DirectAsia.
For all customers, when we send you marketing materials, we will provide you with an unsubscribe facility, in case you decide that you do not want to receive marketing materials. You should follow the instructions which are included in the marketing materials, if you wish to unsubscribe. Or you may contact us at firstname.lastname@example.org.
Will we disclose your information to others?
So we can provide you with the insurance that suits you, we may disclose your personal information on a confidential basis to other parties who help us provide our products and services. This may be our group companies, other insurers, parties involved in supporting the claims process like loss adjusters, managers and assessors, repairers and suppliers, investigators and recovery agents. We may also disclose to police, credit enforcement groups, legal advisors and health providers assisting us to provide our services to you.
Those group or external companies who assist us to web-host, help us maintain our website, provide communication services (like mailing) and problem solve may also have access to your personal information for the sole purpose of providing those services. Some group or external companies may gather non-personal information to evaluate the effectiveness of our online marketing activities. We impose security and confidentiality requirements on how these parties handle your personal information and we limit the use of it to the specific purpose for which we supplied it. In addition, we may disclose your information where there is a legal or regulatory requirement to do so.
Will we transfer your information outside of Singapore?
Where our partners who help us in the administration or operation of our organisation are based in other locations (e.g. our back-up data centre in Hong Kong), your information may be transferred outside of Singapore. We will only do so in accordance with applicable laws.
Access to your information and ensuring it is up-to-date
If at any time you believe the personal information we have about you is not accurate or up-to-date, please contact us at email@example.com or on 6665 5555 and we'll change it promptly.
If you would like a copy of some or all of the personal information we hold about you, please contact us at firstname.lastname@example.org or on 6665 5555. We will provide the copy to you within a reasonable time and we may charge you an amount for our reasonable costs for providing the copy to you.
How long will we keep your personal information for?
We will only hold your personal information for as long as is necessary for the purposes described in this Privacy Statement or for legal or business purposes.
Dealing with other people
If you authorise someone else (for example your relative) to provide your personal information to us, then you also authorise such other person to provide your consent to this Privacy Statement.
We will deal with your spouse or partner if they call us on your behalf provided they are named on the policy and they satisfy our identification and verification checks. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may also deal with other people who call on your behalf and with your consent. If at any time you want us to deal only with you, please let us know.
How do we protect your personal information?
The protection of your personal information is a priority for us. We take all reasonable precautions to protect your personal information from loss, misuse and any unauthorised access, modification or disclosure.
Your personal information is stored on our computer systems which are protected from unauthorised access by physical security methods and a combination of technologies (firewalls, secure logon processes, encryption and intrusion monitoring technologies).
The information you provide to us via our website is securely encrypted as it travels between your computer and our computers. The secure connection is over a protocol called secure socket layer - SSL, making it difficult for others to access your information. Two ways of knowing when you are using a secured section of our website is to look for the small padlock symbol in the bottom right hand corner of your browser and secondly the web address in your browser window will start with "https" instead of "http".
However, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your personal information provided to us via the internet, and any transmission is at your own risk.
What you can do to protect your personal information
- There are things you can do to secure your online experience:
- Antivirus and Spyware Protection. Install a commercial quality antivirus/spyware protection software package on your computer.
- Firewall. Make sure you have an active firewall. A firewall is a device that prevents unauthorised users from accessing or connecting to computers or networks.
- PC Operating System. Keep your computer's operating system up to date with the latest updates.
- Log out. Always remember to log out from the Direct Asia Insurance session when you have completed your transactions. Do not leave your computer unattended while internet transactions are being processed.
- Clear your cache. We strongly recommend that you clear your browser's cache after each internet session. Cache files on your computer can retain images of data sent or received over the internet, making you a potential target for a system hacker.
- Do not share your passwords with other people and keep your information, whether in electronic form or on paper, private.
What happens when you make an online payment?
When you make a payment on our website using your credit card, your credit card number is passed in a secure manner between our website and third party payment providers, such as the issuer of your credit card.
We use an industry recognised payment service provider to process any insurance payments you make using this website. The service provider is required to protect your personal information on our behalf.
Communicating with us via the internet
Our website enables you to communicate with us electronically using the internet. We need your email address in order to respond to your communications with us. We WILL NOT ask you to verify your identity by email. An email which appears to come from us, or which claims to be sent by us - asking for personal information should not be opened. It should be deleted immediately as it's likely to be an attempt to acquire (wrongfully) your personal details (called 'phishing'). If we need to verify your identity, we will contact you by telephone.
We keep the content of email correspondence you have with us as it will help us understand your needs and provide you with assistance.
Links to other sites
We may provide links to other websites which may be of interest to you. These other websites are not subject to this Privacy Statement and you should read the privacy and security statements on those websites to understand how they deal with your personal information.
We shall not be held liable for any loss or damage suffered by you arising from your access and/or use of these websites.