Policy

1. In this Data Protection Policy, “Personal Data” refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time.
2. Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, telephone number(s), mailing address, email address and any other information relating to any individuals which you have provided us in any forms you may have submitted to us, or via other forms of interaction with you.
   
   

1. Generally, we collect Personal Data in the following ways:
   (a) when you submit an application form or registration form, or other forms relating to any of our products and services;
   (b) when you enter into any agreement or provide other documentation or information in respect of your interactions with us, or when you use our services;
   (c) when you interact with our customer service officers, for example, via telephone calls, letters, face-to-face meetings, social media platforms and emails;
   (d) when you use our electronic services, or interact with us via any of our websites or use services on any of our websites;
   (e) when you request that we contact you or request that you be included in an email or other mailing list;
   (f) when you respond to our promotions, initiatives or to any request for additional Personal Data;
   (g) when you are contacted by, and respond to, our marketing representatives and customer service officers;
   (h) when we receive references from business partners and third parties, for example, where you have been referred by them;
   (i) when we seek information from third parties about you in connection with the products and services you have applied for; and/or
   (j) when you submit your Personal Data to us for any other reason.
   
   

2. When you browse our websites, or use our applications and/or digital services, you generally do so anonymously but please see the section below on cookies. We do not, at our websites, applications and digital services, automatically collect Personal Data unless you provide such information or login with your account credentials.

3. If you provide us with any Personal Data relating to a third party (e.g., information of your spouse, children, parents, and/or employees), by submitting such information to us, you represent and warrant to us that you have obtained the consent of the third party to provide us with their Personal Data for the respective purposes.

4. You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with the products and services you have requested.

1. Generally, S&F collects, uses and discloses your Personal Data for the following purposes:
   (a) responding to your queries, feedback, complaints and requests;
   (b) verifying your identity;
   (c) managing the administrative and business operations of S&F and complying with internal policies and procedures;
   (d) facilitating business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving S&F;
   (e) matching any Personal Data held which relates to you for any of the purposes listed herein;
   (f) preventing, detecting and investigating crime and analyzing and managing commercial risks;
   (g) in connection with any claims, actions or proceedings (including but not limited to drafting and reviewing documents, transaction documentation, obtaining legal advice, and facilitating dispute resolution), and/or protecting and enforcing our contractual and legal rights and obligations;

   (h) conducting investigations relating to disputes, billing or fraud;
   (i) meeting or complying with any applicable rules, laws, regulations, codes of practice or guidelines issued by any legal or regulatory bodies which are binding on S&F (including but not limited to responding to regulatory complaints, disclosing to regulatory bodies and conducting audit checks, due diligence and investigations);

2. Furthermore, where permitted under the Act and/or where you have provided your consent to S&F separately, S&F may also collect, use and disclose your Personal Data for the following additional purposes:
   (a) providing or marketing services, products and benefits to you, including but not limited to special events and promotions from S&F;
   (b) matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the provision, marketing or offering of products and services by S&F;
   (c) administering and organizing contests, lucky draws, promotional events, competitions and marketing campaigns, and personalizing your experience.
   (d) conducting market research, analytics and surveys to enable S&F to understand and determine customer preferences and demographics for us to offer you products and services as well as special offers and marketing programs which may be relevant to your preferences and profile; and/or
   (e) any other purpose reasonably related to the aforesaid.

3. In relation to particular products and services or in your interactions with S&F, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.
   
   

1. S&F will take reasonable steps to protect your Personal Data against unauthorized disclosure. Subject to the provisions of any applicable law, your Personal Data may be disclosed by S&F, for the purposes listed above (where applicable), to the following entities or parties, whether they are located overseas or in Singapore:
   (a) companies providing services relating to medical screening, insurance, marketing and consultancy to S&F;
   (b) agents, contractors or third-party service providers who provide operational services to S&F, such as courier services, telecommunications, information technology, payment, printing, billing, payroll, processing, technical services, training, market research, call center, security, employee recognition or other services to S&F;
   (c) any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or asset sale) involving S&F;
   (d) external banks, credit card companies and their respective service providers;
   (e) our professional advisers such as consultants, auditors and lawyers;
   (f) any other party whom you authorize us to disclose your Personal Data to.
   
   

Use of Cookies

1. A cookie is a small piece of information that is placed on your computer when you visit certain websites. The cookies placed by the servers hosting our websites are readable only by us, and cookies cannot access, read or modify any other data on an electric device, nor does it capture any data which allows us to identify you individually. All web-browsers offer the option to refuse any cookie, and if you refuse our cookie then we do not gather any information on that visitor.

2. Should you wish to disable the cookies associated with these browsers; you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our websites.

1. S&F will take reasonable efforts to protect Personal Data in our possession or our control by making reasonable security arrangements to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. However, we cannot completely guarantee the security of any Personal Data we may have collected from or about you, or that for example no harmful code will enter our websites, applications, and digital services (for example viruses, bugs, trojan horses, spyware or adware). You should be aware of the risks associated with using websites, applications, and digital services.

2. While we strive to protect your Personal Data, we cannot ensure the security of the information you transmit to us via the Internet, when you browse our websites, or use our applications and/or digital services, and the method of electronic storage. We urge you to take every precaution to protect your Personal Data when you are on the Internet, when you browse our websites, or use our applications and/or digital services. We recommend that you change your passwords often, use a combination of letters and numbers, and ensure that you use a secure browser.

3. If applicable, you undertake to keep your username and password secure and confidential and shall not disclose or permit it to be disclosed to any unauthorized person, and to inform us as soon as reasonably practicable if you know or suspect that someone else knows your username and password or believe the confidentiality of your username and password has been lost, stolen or compromised in any way or that actual or possible unauthorized transactions have taken place. We are not liable for any damages resulting from any security breaches, on unauthorized and/or fraudulent use of your username and password.
   
   

1. You can contact our office at enquiry@sfss.sg if you:
   (a) have any questions or feedback relating to your Personal Data or our Data Protection Policy;
   (b) would like to withdraw your consent to any use of your Personal Data as set out in this Data Protection Policy; or

   (c) would like more information on or access and make corrections to your Personal Data records. 

2. If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, S&F may not be in a position to administer any contractual relationship in place, which in turn may also result in the termination of any agreements with S&F, and your being in breach of your contractual obligations or undertakings. S&F’s legal rights and remedies in such event are expressly reserved.

Governing Law

1. This Data Protection Policy, your browsing of our websites, and use of our applications and/or digital services shall be governed in all respects by the laws of Singapore.