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PRIVACY POLICY

NRM Insurance Agency Pte Ltd (NRM) is committed to protecting the privacy of the individuals we encounter in conducting our business. “Personal Data” is data that identifies and relates to you or other individuals (such as your dependants). This Privacy Policy is designed to assist you in understanding why and how NRM collects and uses your Personal Data, to whom such data is disclosed and to whom data access requests can be addressed.

 

We value the information you have provided us or permitted us to collect. All such personal information in our possession is valued and is collected, used, disclosed and protected in accordance with the Singapore Personal Data Protection Act 2012 ("PDPA"). This Privacy Policy applies to all websites on which this Privacy Policy or a link to this Privacy Policy appears, as well as all our activities to the extent that you have been notified that such activities are subject to this Privacy Policy.

 

By visiting or using any of the websites on which this Privacy Policy or a link to this Privacy Policy appears, you are deemed to agree to the terms of this Privacy Policy. Please review this Privacy Policy carefully before providing any personal data.

 

If you have any questions about our use of your Personal Information you can contact us at: 

 

NRM Insurance Agency Pte Ltd

Attn: Data Protection Officer

138 Market Street #24-01 CapitaGreen Singapore 048946.

Email: service@nexusrm.com.sg

 

PERSONAL INFORMATION AND OTHER DATA COLLECTED

  • Personal data as defined in the PDPA refers to data about an individual who can be identified from either that particular data or from that data and other information which we have or likely have access to. Commonly collected personal data of our customers include, amongst other things, names, addresses, telephone (landline and mobile) numbers, e-mail addresses, NRIC/FIN numbers, nationalities, dates of birth and credit card information.

 

HOW WE COLLECT PERSONAL DATA

  • The principal ways we collect Personal Data are through our application forms/web form for the insurance products and services we render through telephone applications, registrations made by you through our insurers’ claim forms, e-mails, and other communications, as well as from other insurers, claims investigation, medical professionals, witnesses and other third parties involved in our works dealings with you.

 

  • We collect Personal Data through this website (the “Site”) the software applications made available by us for use on or through computers and mobile devices (the “Apps”); our social media pages and through other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our works dealings with you).

 

USE OF COOKIES  

  • Cookies are small files which require user permission in order to be installed on a device’s hard drive. Cookies will only start to perform their functions after such permission is granted. By collecting and analyzing data on the user’s browsing patterns, cookies allow web applications to respond to the user as an individual by tailoring a web application’s operations to the user’s specific needs and preferences.

 

  • Permission for cookies is granted by default in most web browsers. You can, however, choose to disable this function in your browser’s settings. This may prevent you from taking full advantage of our website.

 

  • We may use traffic log cookies to identify which pages are being used. This use is designed to assist us in gathering data on web page traffic. The gathered data is used only for statistical purposes.

 

  • Overall, the data collected by the cookies is used for the purpose of improving your browsing experience on our website. Cookies do not grant us access to your computer or any information about you outside of your browsing activity on our website.

 

  • By accessing our website, you agree that we can place cookies on your device.

 

USE OF YOUR PERSONAL DATA

We collect personal data from our existing and prospective clients and employees for various reasons. Without limitation, these purposes include:-

  • Communicating with you and others as part of our business.

  • Providing insurance, financial services or related products and services to you and administering, maintaining, managing and operating such products and/or services including any renewals.

  • Sending you important information regarding changes to the insurer’s policies, other terms, and conditions, renewal of policies and other administrative information.

  • Processing, assessing and determining any applications or requests made by you for insurance products or services.

  • Any purposes in connection with any claims made under any insurance products or in respect of any services provided by NRM Insurance Agency Pte Ltd, without limitation, making, analyzing, processing, assessing, determining or responding to such claims.

  • Performing any functions and activities related to the insurance products and/or services provided by NRM Insurance Agency Pte Ltd including, without limitation, obtaining insurance quotation and proposal, auditing, reporting and general servicing and maintenance of online and other service.

  • Enrolling you in contests, prize draws and similar promotions, and administering these activities.  Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Data.

  • Facilitating social media sharing functionality.

  • Resolving complaints, and handling requests for data access or correction.

 

SECURITY

  • NRM will protect your personal data with appropriate technical, physical, legal and organizational measures. While the transference of electronic data over the internet has inherent risks, we will use reasonable precautions to ensure your personal data is not subject to unnecessary risks.

 

RETENTION

  • We will retain your Personal Data for as long as necessary in order to fulfil the purpose for which it was collected, or as required by the relevant laws.

 

PERSONAL DATA OF OTHER INDIVIDUALS

  • If you provide Personal Data to NRM regarding other individuals, you agree:

    • to inform the individual about the content of this Privacy Policy; and

    • to obtain any legally-required consent for the collection, use, disclosure, and transfer (including cross-border transfer) of Personal Data about the individual in accordance with this Privacy Policy.

 

THIRD PARTY SERVICES

  • This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which NRM Electronic Services link. The inclusion of a link on NRM Electronic Services does not imply endorsement of the linked site or service by us.

 

  • Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the information security practices) of other organizations, such as Facebook®, Twitter®, Apple®, Google®, Microsoft®, RIM/Blackberry® or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or electronic device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the NRM Electronic Services.

 

CHANGES TO THIS PRIVACY POLICY

  • We reserve the right to amend this Privacy Policy at any time. If material changes are made to this Privacy Policy, they will be posted on this page and date stamped. We encourage you to review this page periodically in order for you to stay notified of any changes.

 

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UPDATED ON 22, NOVEMBER 2021

 

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