Privacy Policy
Last updated on 2025 February 22nd
This Privacy Policy sets out the manner in which we collect, use, manage and protect the data that is capable of identifying you as an individual whether on its own or in conjunction with other data accessible by us (Personal Data) in compliance with the Personal Data Protection Act 2012 of Singapore, as may be amended from time to time (PDPA). This privacy policy applies to all users of our Website.
Please note that capitalised words and expressions shall, unless otherwise specified or the context otherwise requires, have the corresponding meaning assigned to them in the Terms and Conditions of the use of our Website at https://www.nudgeinsurance.com.
1. Collection of information
1.1 For us to provide the Services on Our Platforms, it is, however, necessary for us to collect and use certain Personal Data of yourself and/or your clients.
1.2 You are fully responsible for the Personal Data of any 3rd party that you may possess and you represent and warrant that you have the full consent and authorisation of any 3rd party to submit their Personal Data on our Website and Platforms.
1.3 While the specific types of Personal Data (of you or a 3rd party you represent) you submit through our Website may vary depending on the relevant Services and/or Platforms and whether you maintain an account with us, there are a few broad categories of Personal Data (of you or a 3rd party you represent which are collected by us and/or our Affiliates (including but not limited to):
(a) Name.
(b) Identity Data, which includes NRIC and/or passport numbers country of residence, date of birth, photographs, marital status, occupation, job title, employment status, employment history age, marital status and/or gender.
(c) Contact Data, which includes email address, residential address, fax and/or telephone number.
(d) Transaction Data, which includes your bank statements, CPF statements, bank account numbers, credit card details, your billing address, your mailing address or the mailing address of your clients, payments and orders to and from you, and other details of products and services that you have supplied to or purchased from us.
(e) Usage Data, which includes information about how you use our Website and/or Platforms (including the time you visit our Website, the duration of your Visit, the types of products and/or services you are searching for and/or how you are searching for such products and/or services).
(f) Marketing and Communications Data, which includes your interests, feedback, survey responses, preferences in receiving marketing materials from us and your communication preferences, as well as your preferences for particular products or services.
(g) Technical Data, which includes your Internet Protocol (IP) address, the internet device identity or media access control address of your device, information regarding the manufacturer, model or operating system of the device that you use and/or information about the web browser that you use to access our Website and/or Platforms.
(h) Financial and Insurance Data, which includes information and details on any insurance policies and/or products such as policy numbers and amounts insured.
(i) Medical Data, which includes medical history, consultation history, prescriptions, notes, treatments, description of medical services rendered and medical reports.
(collectively, “Personal Data”)
1.4 How we collect your Personal Data
We collect your Personal Data:
(a) Directly from you. You may give us your Personal Data when you do any of the following (whether on your own behalf or on behalf of your organisation):
(i) use our Platforms;
(ii) create an account on our Platforms;
(iii) enter into a contract with us or subscribe to our Services;
(iv) apply for or enquire about our Services or Platforms;
(v) participate in a promotion, survey, event or other marketing campaign organised by us;
(vi) subscribe to our newsletters or alerts;
(vii) request marketing materials to be sent to you; or
(viii) contact us -- for example, if you get in touch to give us some feedback.
(b) From your authorised representatives. We may also collect your Personal Data from your authorised representatives (such as your authorised Insurance Intermediary or Insurer). These include persons whom you have authorised and persons who have been validly identified as acting on your behalf pursuant to our security procedures.
(c) When you interact with our Website and Platforms. As you interact with our Website and Platforms, we may automatically collect your Technical Data. We may collect such personal data by using website cookies.
(d) Third parties or publicly available sources. We may receive your Personal Data from third parties which are located in various countries. These include:
(i) Technical Data from analytics providers Google Analytics, advertising networks and social media platforms such as [LinkedIn, Twitter and Facebook]; and
(ii) Contact and Transaction Data from providers of technical, payment and delivery services.
2. Use of information
2.1 We may use your Personal Data for the following purposes:
(a) To register you as a new customer.
(b) To provide the Services to you or your authorised representative (such as your authorised Insurance Intermediary or Insurer).
(c) To manage your account, including managing payments, fees and charges and collecting and recovering money owed to us.
(d) To manage our relationship with you.
(e) To administer, operate, provide, maintain and protect our business and our Platforms (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data, as well as ensuring that unauthorised users do not access the information on our Website).
(f) To deliver relevant content and advertisements to you and measure or understand the effectiveness of the advertising we serve you.
(g) To make suggestions and recommendations to you about products or services that may be of interest to you.
(h) To send you relevant information about our events, news announcements or promotions.
(i) To enable you to complete a survey or participate in a promotion, survey, event or other marketing campaign organised by us.
(j) To contact you in relation to all of the above.
(k) Where we have to use your Personal Data for another purpose as required by law or regulation -- for example, to respond to administrative, judicial or law enforcement requests or to comply with applicable laws and regulations.
2.2 Promotional offers and marketing
If you supply us with your Contact Data, you may receive periodic emails, mailings, calls or faxes from us with information about new products and services or upcoming events. If you do not wish to receive such mailings or calls, you may “opt out” by logging into our Website and updating your preferences under “My Account”, or by writing, calling, or e-mailing us at the address/numbers listed below:
customerservice@nudgeinsurance.com
If you do not wish to receive such faxes from us, you may “opt-out” by writing, faxing or calling us at the address/numbers listed below:
customerservice@nudgeinsurance.com
2.3 Cookies
We use cookies to provide visitors with a personalised experience on our Website. Cookies are pieces of information that a website transfers to the memory or hard drive of a visitor’s computer for record-keeping purposes. We use cookies to allow access without re-entering the visitor’s User ID, to make improvements, and to better tailor our Website to our visitors’ needs. We also use this information to verify that visitors meet the criteria required to process their requests.
Most browsers used by visitors have options that allow the visitor to control whether the browser will accept cookies, reject cookies, or notify the visitor each time a cookie is sent. However, if you disable or refuse cookies, please note that some parts of our Website may become inaccessible or not function properly. In addition, you can delete your cookies from your browser program at any time.
2.4 Change of purpose
We will only use your Personal Data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
If there is any change in the purposes for which we collect your Personal Data, we will inform you of such change by way of email or notice on any of our Platforms. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at customerservice@nudgeinsurance.com. If we need to use your Personal Data for an unrelated purpose, we will notify you and will explain the legal basis which allows us to do so.
3. Disclosure of information
3.1 We may disclose your Personal Data to our Affiliates and third parties in limited circumstances as set out below:
(a) We may share your Personal Data with our suppliers, agents or contractors in connection with services they perform for us or pursuant to agreements with our suppliers.
(b) We may share your Personal Data with third parties to comply with a legal obligation, when we believe in good faith that an applicable law requires it, at the request of government authorities conducting an investigation, to verify or enforce our contractual rights or other applicable policies, to detect and protect against fraud or any technical or security vulnerabilities, to respond to an emergency, or otherwise to protect the rights, property, safety or security of third parties and visitors to our website or the public.
(c) We may disclose your Personal Data by using a third party data storage service or by providing some or all elements of the Platforms and/or Services through third party servicer providers.
(d) As we continue to develop our business, we may sell or purchase assets. If another entity acquires or merges with us, your Personal Data will be disclosed to such entity.
(e) Also, if any bankruptcy or reorganisation proceeding is brought by or against us, all such information will be considered an asset of ours and as such it is possible they will be sold or transferred to third parties.
3.2 We do not disclose your Personal Data to unaffiliated third parties for their independent use unless we have obtained your express consent to do so and pursuant to executing confidentiality agreements with such unaffiliated third parties. We also require all third parties to respect the security of your Personal Data and to treat it in accordance with the law.
4. Retention of information
4.1 We only retain your Personal Data for as long as is necessary for us to use your Personal Data as described above. However, please be advised that we may retain some of your Personal Data after you cease to use our services, for instance if the data is necessary to meet our legal obligations, such as retaining the information for tax and accounting purposes.
4.2 In some circumstances we may anonymise your Personal Data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
5. International transfers of information
Where our partners who help us in the administration or operation of our organisation are based in other locations, your Personal Data may be transferred outside of Singapore. When we send your Personal Data outside Singapore, we will make sure that your Personal Data is protected to at least the same standard as that in Singapore. For example, we will always ensure that there is a proper legal agreement that covers the data transfer.
6. Security
Our management and their teams take commercially reasonable precautions to keep all information obtained from our online visitors secure against unauthorised access (e.g. data breach) and use and we periodically review our security measures. Although there is no way that any Website can absolutely guarantee the security of your Personal Data, Nudge Insurance Agency Pte. Ltd. is committed to employing reasonable security measures, regularly reviewing our security practices (security risk assessments / audits) and providing regular awareness training. You are responsible for keeping your login information and passwords confidential. Nudge Insurance Agency Pte. Ltd. uses SSL/TLS Certificate provided by Let’s Encrypt for its Website security certificates. Please be aware that these protection tools do not protect information that is not collected through our Website, such as information provided to us by e-mail.
7. Making changes to your personal data
You can access and edit any of the personal data that you have provided by logging into our Website and updating your preferences under “My Account”, by contacting us through customerservice@nudgeinsurance.com.
8. Links to other sites
Our Website may contain links to other sites. These sites are not covered by this privacy policy, and we are not responsible for the privacy practices or the content of those other sites.
9. Changes to the privacy policy
We reserve the right to modify this privacy policy and related business practices at any time by posting updated text on this page. Please check this page periodically for updates.
10. Contact us
If you have any comments, questions or complaints about our privacy policy, please contact us through customerservice@nudgeinsurance.com.
