Privacy Policy and Terms of use

Terms and Conditions for SingaporeInsurances.com

Introduction

These Website Standard Terms and Conditions written on this webpage shall manage your use of our website, Singapore Insurances accessible at singaporeinsurances.com.

These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions.

Minors or people below 18 years old are not allowed to use this Website.

Intellectual Property Rights

Other than the content you own, under these Terms, SingaporeInsurances and/or its licensors own all the intellectual property rights and materials contained in this Website.

All content provided on this site is as is basis. Although we strive to get the right information in front of our users, this is not guaranteed and error free either expressed or implied. Users are always advised to to do their own research before making any decisions. All external materials (IF ANY) that may have been used on this site are under Fair use policy and does not intend to infringe any copyrights.

You are granted limited license only for purposes of viewing the material contained on this Website.

Restrictions

You are specifically restricted from all of the following:

  • publishing any Website material in any other media;
  • selling, sublicensing and/or otherwise commercializing any Website material;
  • publicly performing and/or showing any Website material;
  • using this Website in any way that is or may be damaging to this Website;
  • using this Website in any way that impacts user access to this Website;
  • using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
  • engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
  • using this Website to engage in any advertising or marketing.

Certain areas of this Website are restricted from being access by you and SingaporeInsurances.com may further restrict access by you to any areas of this Website, at any time, in absolute discretion. Any user ID and password you may have for this Website are confidential and you must maintain confidentiality as well.

Your Content

In these Website Standard Terms and Conditions, “Your Content” shall mean any audio, video text, images or other material you choose to display on this Website. By displaying Your Content, you grant SingaporeInsurances.com a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be invading any third-party’s rights. SingaporeInsurances.com reserves the right to remove any of Your Content from this Website at any time without notice.

No warranties

This Website is provided “as is,” with all faults, and SingaporeInsurances.comexpress no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.

Limitation of liability

In no event shall SingaporeInsurances.com, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract.  

Indemnification:

You hereby indemnify to the fullest extent SingaporeInsurances.com from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

Variation of Terms

SingaporeInsurances.com is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.

Entire Agreement

These Terms constitute the entire agreement between SingaporeInsurances.com and you in relation to your use of this Website, and supersede all prior agreements and understandings.


Privacy Policy

Who we are

Our website address is: singaporeinsurances.com and is owned by SingaporeInsurances.com as a personal blog. We can be reached at contact@singaporeinsurances.com.

What personal data we collect and why we collect it

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.

We do not collect your email address from the comments form for use in any email list, such as a newsletter or marketing email list.  We also never sell email addresses to third parties.

Media

In general, users are not able to upload images or other media files to this website.  However, if you do 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 out a contact form on the website singaporeinsurances.com we only collect the information you enter into the contact form.  If the form asks for your name, email address, or any other personal information, then that information is sent to us via email.  We only retain that information—including your email address—for as long as necessary to address your purpose in contacting us.

Email addresses provided in contact forms are not ever used by SingaporeInsurances.com for any purpose other than to reply to you in regards to your reason for contacting us.  We never sell information from contact forms to any third parties for any purpose.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

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 tracking your interaction with the embedded content if you have an account and are logged in to that website.

Analytics

As you use this Website, we use automatic data collection technology (Google Analytics) to collect certain information about your device, browsing actions, and patterns. This generally includes information about where you are, how you use our website, and any communications between your computer and this site. Among other things, we will collect data about the type of computer you use, your Internet connection, your IP address, your operating system, and your browser type.

We collect this data for statistical purposes and we don’t collect personal information. The purpose of this data is to improve our Website and offerings.

If you wish to opt out of Google Analytics so that none of your personal information is collected and stored by Google Analytics, you can download and install the Google Analytics Opt-out Browser Add-on here.  For more information on how Google collects and uses your data, you can access the Google Privacy Policy here.

Advertising Privacy Statement

This Site may be affiliated with various providers for the purposes of placing advertising on the Site. We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests, Google and our other advertising partners will track your behaviour on our website and on other websites across the Internet using cookies.  

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.  Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

By using this Site, you consent to the use of such cookies and the sharing of data captured by such cookies with Google, and our other third party partners. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. You can also opt out of the network cookie using those settings or using the Network Advertising Initiative’s multi-cookie opt-out mechanism at: http://optout.networkadvertising.org. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained.  

Who we share your data with

We don’t sell or share your data with anyone.  We may use a 3rd party email provider to store your email address if you voluntarily signed up for our email newsletter. 

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize 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.

For California Residents

California law gives residents the right to opt-out of the “sale” of their personal information to third parties, including for advertising purposes. Under California law, the sharing of your information with a service provider for advertising purposes could be considered a “sale.”

Under Google Adsense settings, this site has enabled CCPA restricted data processing option. If you are a visitor from California you won’t see personalized ads here.

To be clear we do not share your name, contact information, or any other sensitive information with third parties, and the categories of third parties that we share information with for advertising purposes are supply-side platforms, programmatic advertising exchanges, and demand-side platforms.

For European Economic Area Residents

If you reside in a country in the European Economic Area (EEA), then under the GDPR and applicable data protection laws you have the rights, among other things, to access your personal data, have us erase it, and/or restrict its further processing.

We may use Google Adsense on this site and as such you can opt out from these ads as mentioned above under Advertising opt-out section.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Our contact information

For questions regarding your data and how we use it, you can reach us at contact@singaporeinsurances.com You can also email us here if you would like an extract of all of your personal information stored on our website or to request that we delete all of your information stored on our website.