PRIVACY POLICY

INTRODUCTION

STARK GROUP Private Limited – Singapore based company No. 201433305Z - (“we” or “us”) is the operator of the software INSURE CHAT (the “Website”). 

We are committed to:

  1. Follow any best practices, guidelines, requirements of the privacy and insurance policy applicable in any countries where INSURE CHAT  operates

  2. Comply to any Insurance rules, laws & regulations applicable in any countries where INSURE CHAT  operates

  3. Comply to any Data (storage, flow, ownership) protection act, laws & regulations applicable in any countries where INSURE CHAT  operates

  4. Make the user journey as enjoyable, safe, clear and lean as possible.


This Privacy Policy is:

  1. Compliant with the rules and regulations with the respective countries where INSURE CHAT  operates.

  2. Sets out the basis on which any personal data INSURE CHAT collects from you, or that you provide to INSURE CHAT, will be processed by INSURE CHAT .

 
Disclaimer

  • Any users must read the following carefully to understand our views and practices regarding your personal data and how INSURE CHAT  will treat it.

  • We may amend this Privacy Policy at any time by posting a revised version on the Website. However, an individual notice will not be sent to you. You will be deemed to have acknowledged and agreed to the amended Privacy Policy if you continue to use  INSURE CHAT   after the changes have taken effect.

  • You are reminded to check for updates to this Privacy Policy prior to using the Website.

  • We shall not be liable for any voluntary disclosure of personal information by you to other users of the Website.

  • We shall not be liable of any voluntary disclosure of personal information by any registered agent to any other website or persons.

 

 1. COLLECTION OF PERSONAL DATA

  1. INSURE CHAT  collects a series of data directly or on behalf of the any users.

  2. You are not required to provide personal data as a condition of using INSURE CHAT  "Website".

  3. INSURE CHAT  does not monitor the type of personal and non personal data collected and inputted by the members.

  4. The data collected are the sole proprietorship of the user and any member attached to the Policy, case created, published and produced into INSURE CHAT.

  5. At any time the user/member may edit, delete directly via the platform any data he/she may have created, edited, published or produced into the platform.


This Privacy Policy describes how INSURE CHAT collects, uses and discloses information, and what choices you have with respect to the information. INSURE CHAT privacy policies are compliant with:

 

TERM OF USE


2. Purpose of Use

  • All information collected, including Non Personalized Identification Information (NPII) and Personalized data, may be used by us in the aggregate or individually and may be combined with other information for purposes including but not limited to the following:

    • Administering the Website & the App

    • Verifying your identity for the purposes of providing the Wellnex products or services to eligible members of the programme only;

    • Improving your browsing experience by personalizing the Website or the App; enabling your use of the services available on the Website;

    • Providing to you services that you have specifically requested, responding to your enquiries or requests pursuant to your emails and/or submission of form(s) on the Website;

    • Responding to and taking follow-up action on complaints;

    • Providing third parties with statistical information about our users – but such information will not be used to identify any individual user.

    • Generating statistical and financial reporting, regulatory reporting, management reporting, audit and record keeping purposes;

    • We will not, without your express consent, provide your personal data to third parties for the purposes of direct marketing or any other initiatives that will affect your experience with INSURE CHAT .

    • User may at anytime withdraw to the INSURE CHAT Platform by editing or deleting the set of data provided. 

    • User may at anytime request INSURE CHAT  to delete the data and confirm that the personal data and all the history of data storage be communicated.

 
 
3. SECURITY

  • We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

  • We will comply to the rules and regulation of the country where INSURE CHAT  operates when it comes to data management (storage, flow, collection) and security requirement.

  • We will store all the personal information you provide on secure servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

  • You understand that the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Website; any transmission is at your own risk.

  • For registered users under INSURE CHAT  where we have given you (or where you have chosen) a password, which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. We will NEVER ask you for your password other than when you log in to the INSURE CHAT

 
4. DISCLOSURE OF PERSONAL DATA

  • We will not disclose your data without your prior consent unless

  • we are under a duty to disclose or share your personal data in order to:

    • Comply with any legal obligation;

    • To enforce or apply our Terms of Use and other agreements;

    • Protect the rights, property, or safety of us and our affiliates and subsidiaries, other users of the Website, or others;

    • In connection with any legal proceedings or prospective legal proceedings;

  • We may from time to time and in compliance with all applicable laws on data privacy, disclose your Personal Data to any personnel of MY-INSURER or to third parties, whether located in Singapore or elsewhere, in order to carry out the purposes of our services. Please be assured that when we disclose your personal data to such parties, we require them to ensure that any personal data disclosed to them are kept confidential and secure.

 
5. IP ADDRESSES

  • When you use the Website, we may collect and store information about your computer, including where available your IP address, operating system and browser type, for system administration.

  • This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

 
6. COOKIES

  • INSURE CHAT  uses cookies to distinguish you from other users of the Website.

  • This helps us to provide you with a good experience when you browse the Website and also allows us to improve the Website.

 
7. THIRD PARTY WEBSITES

  • The Website may, from time to time, contain links to and from the websites of our partner networks and vendors.

  • If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  

  • Please check these policies before you submit any personal data to these websites.


8. RETENTION POLICY

  • Section 25 of the PDPA requires an organisation to cease to retain its documents containing personal data, or remove the means by which the personal data can be associated with particular individuals, as soon as it is reasonable to assume that the purpose for which that personal data was collected is no longer being served by retention of the personal data, and retention is no longer necessary for legal or business purposes.


9. DELETION OF DATA

  • When Agent or Admin choose to delete the data in the system, the deletion functions are called, which in turn to call "DELETE SQL" to delete data immediately from the database.

  • my-insurer will issue an email reminder 3 working days following the expiration of a subscription should no renewal be made. You will be given a grace period of 14 working days to effect a renewal before the account is deemed inactive and my-insurer will proceed to close it; thereby removing all the data within.

  • my-insurer retains the data of their employees up to 30 working days from the date of resignation provided that it is reasonable to assume that such retention no longer serves the purposes for which the personal data were collected, and are no longer necessary for legal or business purposes. Unless, it is necessary to fulfil the purposes for which they were collected, or as required or permitted by applicable laws.​​


10. CONTACT US

  • Should you require further information about the understanding of the our policy and how INSURE CHAT  takes pride in committing to respect the law and regulation of countries where it operates, please do not hesitate to contact our privacy officer at: query@stark-grp.com

  • If you have any issues or concern relative to data management, you may reach us directly at query@stark-grp.com

 

WHAT DATA WE COLLECT AND SHARE

Overview:

We are collecting the following data in order to be able to perform the Service:

  1. email address: this act as your login and allows us to send you notifications about changers to a case.

  2. Your relationship to the unit that you are associated with: we need this to route cases to you without sharing your email address with other users.

Optionally we might collect the following additional data:

  1. First and last name: so we can display these to other users instead of your email address.

  2. Phone number

  3. The details of policies and the case associated with

  4. Your profile picture

  5. Any message that you have added to a case

  6. Any attachment that you have added to a case or policy

  • An image of your signature each time you endorse a report


Legal basis:

We process your personal data under the following legal bases:

Performance of a contract with you

We process your personal data to perform our obligations under the Service Terms applicable to the product or service you are using. 

Comments:

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/.
After approval of your comment, your profile picture is visible to the public in the context of your comment.


Media:

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


Contact forms:

When you fill a contact form to contact our support team, we will keep these data for 2 years after you have deleted your account with INSURE CHAT .


Cookies:

See our Cookies Policy for more information.


Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.


Third party organization 

We work with a number of third-party suppliers and service providers.

Many of these organizations process personal data in order to provide products or services to us or on our behalf. 

These organizations are bound by the terms of this privacy notice and they are also required to comply with our data protection policies.

They are not permitted to use your personal data for their own purposes.


How long we retain your data?

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

International data transfers

Some of the third parties we work with have operations in countries outside of the European Union or the European Economic Area. Before your personal data is transferred outside of these regions, we implement at least one of the following safeguards:

  • We check whether the personal data is being transferred to a country that has been deemed to provide an adequate level of protection by the European Commission. You can see the list of adequate countries here.

  • Where we use third parties based in the United States, we check if they have signed up to the Privacy Shield framework. This framework requires signatories to provide a similar level of protection to personal data as would be the case if the personal data remained within the European Union or European Economic Area.

  • We may use specific contracts approved by the European Commission which give personal data the same protection as it has in the European Union and European Economic Area.

  • If we are unable to apply any of the first three safeguards, we will try to contact you to ask for your consent before we transfer your personal data.

 

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