3. What information do we collect?

• We collect personal information about you when you give this to us in the course of registering for and/or using our Services via TreeOfWealth.SG. This might be, for example, to obtain comparative quotes for Home Loan, Life Insurance, Endowment,Retirement or Annuity Plans. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your transactions.
• We may monitor or record your Calls, Email or SMS or other communications but we will do so in accordance
  with data protection legislation and other applicable law.
• We will periodically review your personal information to ensure that we do not keep it for longer than is
  permitted by law.

4. How do we use your information?

• to enable you to access to customised quotations via our partner bankers and insurance specialists
• to personalise and improve aspects of our Services;
• for research, such as analysing market trends and customer demographics;
• to communicate with you, including some or all of the following:
• sending you information about products and services which we think may be of interest to you – this may include
  new product launches, newsletters and opportunities to participate in market research;
• to be shared with our providers to provide the service as required by you. When we do this, partners may carry
  out soft credit checks on you.
• to process a transaction between you and a third party;
• to search the websites of our partners in order to obtain the best quotes available to you;
• to track sales, which may involve us sharing data with your product provider relating to the product(s) you have
  purchased. Your product provider may also send us information they hold relating to the product(s) you have purchased for
  this purpose;
• to match our data with data from other sources – we may validate and analyse your information and, in some
  cases, match it against information that has been collected by a third party to ensure that the information we hold about
  you is as accurate, consistent and well-organised as possible. As well as ensuring that any marketing material that we send
  you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as
  possible;
• Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties

  will be entitled to contact you;

  Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.

   

5. Who do we share your information with?

When you use any of our Services, you consent to us disclosing your personal information to the following parties depending on the nature of your enquiry:

• Partnered Insurance Specialist for Quotation purpose
• Law Firms for Conveyance
• Our partners including but not limited to companies whose products or services are included on our Sites, with a
  view to them: (i) providing you with an online quote for the product/service requested by you. When these companies use
  your information in this way, they will be acting as data controllers of your information and therefore we advise you to
  read your chosen provider’s Privacy Policy; and/or (ii) using our customer insight products to understand customer
  behaviours and develop their product offerings. Some third parties with whom we share your information may use it to
  carry out research such as analysis of market trends and customer demographics and to customise and develop the
  product/service which they offer to you or other individuals in the future;
• trusted third parties but only where you have opted in to allow us to do so and where we believe their products,
  services or other offers may interest you.

6. What cookies do we use?

• A cookie is a very small text file placed on your computer or device. Cookies help us to:
• understand browsing habits on the Sites;
• understand the number of visitors to the Sites and the pages visited; and
• remember you when you return to the Sites so we can provide you with access to previously saved quotes.
• Most cookies are deleted as soon as you close your browser or mobile application – these are known as session
  cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they
  expire.
• You can choose to block or delete cookies through your browser settings. If you decide to block or delete our
  cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites
  on your system.

7. How secure is our site and what steps do we take to keep you safe?

• We encrypt your information
• Data encryption up to 256-bits
• Protection your information from being spoofed and phished
• Authentication

8. Your rights and responsibilities

• You have the rights to request that we delete all your information being shared by yourself or any consenting or
  non consenting third party on our site.
• Note that it is your responsibility to check and ensure that all information, content, material or data you provide
  on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

TreeOfWealth.SG reserves the right to update, amend or change the content of this Web Portal without notice