This is the privacy policy for Havend Pte. Ltd. (“Havend”), our sites such as havend.com, our social media platforms (collectively the “Sites”), our mobile application, or when you communicate with Havend or any of its officers, employees or agents whether through written, published or electronic means, the telephone or otherwise. The Sites and some of our services have their own terms and conditions of use, which will be relevant to you when you are accessing and using those sites and services.
At Havend, we respect the privacy and confidentiality of the Personal Data of our clients and others whom we interact with in the course of providing our services. We are committed to keeping your Personal Data safe by implementing policies, practices and processes to safeguard the collection, use and disclosure of the Personal Data you provide us, in compliance with the Singapore Personal Data Protection Act 2012 (PDPA).
This privacy policy explains how we collect, use, disclose, process, protect, and retain your Personal Data that is in our possession. The term “Personal Data” means any information that can be uniquely identify a living individual either on its own or when combined with other information.
The following are examples (without limitation) of the circumstances in which we collect your Personal Data when you:
The types of Personal Data we collect about you include:
We use the Personal Data you provide us for one or more of the following purposes:
We may disclose your Personal Data to the following entities or organisations outside Havend in order to fulfill our services to you:
We wish to highlight that any information you post or disclose on message boards, blogs, website and social media platforms of Havend and other services to which you are able to post information and materials, will become public information and may be available to visitors of our website and social media platforms and to the general public. This includes your testimonial in relation to our services, whether given online or written in person, and you are deemed to have given us the consent to repost that testimonial on the Sites.
We may transfer, store, process and/or deal with your Personal Data outside Singapore. In doing so, we will impose relevant safeguards to ensure appropriate levels of protection and will comply with the PDPA and any other applicable laws and regulations.
We have put in place appropriate information security and technical measures (such as data encryption, antivirus protection, firewalls and secure network protocols) to protect your Personal Data against loss, misuse, destruction, unauthorised alteration/modification, access, disclosure or similar risks. However, please be aware that no method of transmission over the internet or method of storage is completely secure and you should be aware of the risks associated with using websites. While we cannot guarantee full security, we seek to protect the security of your information by constantly reviewing and enhancing our information security measures.
When we engage third party service providers to process Personal Data on our behalf, we will ensure that they provide sufficient guarantees to us to have implemented the necessary organizational and technical security measures and have taken reasonable steps to comply with these measures.
We have also implemented reasonable and appropriate organizational measures to maintain the confidentiality and integrity of your personal data and will only share your data with authorised persons on a need-to-know basis.
We may retain your Personal Data for as long as needed to fulfil the purposes described in this Privacy Policy and if we have a legal or business purposes to do so. We will dispose of or destroy such documents containing your personal data in a proper and secure manner when the retention limit is reached.
You may write in to us at [email protected] to review, correct, update, suppress, delete or limit our use of your Personal Data, or to contact us on any aspect of this Privacy Policy, or your personal data by providing us with your full name and identification or passport number. Before we accede to your request, we may need to verify your identity by checking your identification document and implement such requests with respect to the Personal Data associated with the particular email address you use to send us your request.
We will respond to your request as soon as possible, or within 30 days from the date we receive your request. If we are unable to do so within the 30 days, we will let you know and give you an estimate of how much longer we require.
If you find that the Personal Data we hold about you is inaccurate, incomplete, misleading or not up-to-date, you may ask us to correct the data. Where we are satisfied on reasonable grounds that a correction should be made, we will correct the data as soon as possible, or within 30 days from the date we receive your request.
Please note that if your Personal Data has been provided to us by a third party (e.g. a policyholder who has nominated you as beneficiary or the life assured), you should contact such party directly to make any queries, feedback, and access and correction requests to us on your behalf.
You may refuse to give, or may withdraw, your consent for us to collect, use or disclose your Personal Data and/or your insured persons’ Personal Data by giving us reasonable notice, so long as there are no legal or contractual restrictions preventing you from doing so. For example, you may withdraw your consent for your Personal Data being used for marketing purposes if this withdrawal will not affect our ability to provide you with the products and services that you asked for or have with us.
However, if you withdraw your consent for us to use your Personal Data for any purposes which we regard as necessary to provide you services supplied by or through us (such as for example, matters relating to the servicing and administration of your insurance policy), this may affect our ability to provide you with such services or performing or concluding an existing or prospective agreement. Withdrawing such consent may have disadvantageous consequences which we may advise you of. In the event of any withdrawal of your consents in relation to your Personal Data, our legal rights and remedies are expressly reserved.
We may update this Privacy Policy from time to time. We will make available the updated policy on our website (www.havend.com/privacy-policy/). Changes to this Privacy Policy take effect when they are posted on the website.
© 2023 Havend Financial Advisers License No. FA100089 | UEN No. 202328306R