Introduction

This document is an electronic record. This electronic record is computer system generated and does not require a physical or electronic signature.

WWW.SINGAPOREFWMI.INSURE reserves the right to change this Site and these terms and conditions at any time. PLEASE READ THESE TERMS OF USE CAREFULLY PRIOR TO USE OF OR REGISTRATION ON THE SITE (WWW.SINGAPOREFWMI.INSURE) OR ANY OTHER MANNER OF ACCESSING OUR ONLINE SERVICES INCLUDING ALL SUB-DOMAINS (“SITE”). ANY USE OF THE SITE SHALL SIGNIFY YOUR UNDERSTANDING, VERIFICATION AND ACCEPTANCE OF THESE TERMS AND YOU SHALL BE CONSIDERED LEGALLY BOUND IN THIS REGARD. BY ACCEPTING THESE TERMS OF USE YOU ALSO AGREE TO BE BOUND BY OTHER WWW.SINGAPOREWICA.INSURE POLICIES INCLUDING BUT NOT LIMITED TO OUR PRIVACY POLICY.

No Offer or Advice

The information contained on this Site or provided for by Users is not intended to and does not constitute an offer, solicitation, inducement, invitation or commitment to purchase, subscribe to, provide or sell any securities, Service or product or to provide any recommendations on which Users on this Site should rely for financial, securities, investment or other advice or to take any decision based on such information. Users on this Site are encouraged to seek individual advice from their legal, financial, personal and other advisers before making any investment or financial decisions.

Accuracy of Information

Although WWW.SINGAPOREFWMI.INSURE has taken reasonable care that the information contained on this Site or delivered to you by e-mail, if any, is accurate at the time of publication, such information is provided “as is” for only informational purposes as of the date of publication, and no representation or warranty (including liability towards third parties), expressed or implied, is made (or accepted) as to its accuracy or completeness or fitness for any purpose by WWW.SINGAPOREFWMI.INSURE.

Although WWW.SINGAPOREFWMI.INSURE makes every attempt to provide accurate and timely content, WWW.SINGAPOREFWMI.INSURE does not guarantee or ensure the accuracy, completeness, currency or authenticity of any content or functionality, or transmission of any content from the Site to you. Furthermore, you are solely responsible for making sure that you are receiving up-to-date content from the Site.

Transmissions To and From this Site

Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from the Site may not be secure or confidential. WWW.SINGAPOREFWMI.INSUREmakes no representation whatsoever concerning the security or confidentiality of your electronic communications and specifically makes no representation that any electronic communications transmitted to these will be received by WWW.SINGAPOREFWMI.INSURE. Any such communications, including any ideas, concepts, know-how, or techniques contained therein, may be used by Us for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. You hereby waive all rights to any claim against WWW.SINGAPOREFWMI.INSURE for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights and rights of attribution in connection with electronic communications you transmit to the Site.

YOUR INFORMATION

WWW.SINGAPOREFWMI.INSURE shall at times collect information relating to Your use of the website. Such information may either be classified as “personal” or “non-personal”. Your personal information includes Your name, address, telephone number, email address (“Personal Information”).

Your Personal Information will not be shared or sold by WWW.SINGAPOREFWMI.INSURE with any third-parties for any purpose, other than what you have consented to either under these terms or from time to time.

Further, such information may also have to be stored on servers which belong to third-parties, including but not limited to our payment processing partners, and as described here and that you provide your consent to storage of Personal Information on third party servers and equipment.

Your Personal Information is only used for the following purposes:

• to provide you with customized quotations from our insurance partners

• to be shared with our service providers in order to provide the service requested by you.

• to handle a transaction involving you and a third party;

• Keeping you informed about the Services: You agree that we and, with your permission, other trusted third parties may contact you.

You also understand that while WWW.SINGAPOREFWMI.INSURE takes all necessary steps to protect your information, security hazards and risks cannot be fully ruled out or eliminated and that your use of the Website still carries risk of this nature with it.

Other than Personal Information, WWW.SINGAPOREFWMI.INSURE may also collect anonymous information about your usage of the Website and other of other websites (“Non-Personal Information”). Such Non-Personal information may be collected by us through cookies stored on your hard drive. You can choose to disable cookies on your web browser; however this will negatively affect your browsing experience of the Website. Such Non-Personal Information may be shared by WWW.SINGAPOREFWMI.INSURE with third-parties such as advertisers, marketers, sponsors etc.. Such information will never identify You personally and will be collected and stored on a completely anonymous basis.

Abоut Cооkіеѕ

• Cookies are small text files. 

• Many websites place cookies on your compute when you visit. 

• Cookies are used to make websites work, improve performance/efficiency, and provide useful information to website, operators.

At WWW.SINGAPOREWICA.INSURE wе uѕе сооkіеѕ to help you tо nаvіgаtе our website mоre effectively аnd tо uѕе our ѕеrvісеѕ with greater efficiency. WWW.SINGAPOREFWMI.INSURE dоеѕ nоt store реrѕоnаllу іdеntіfіаblе іnfоrmаtіоn in оur сооkіе data.

Cookies mаy еіthеr bе session cookies or реrѕіѕtеnt сооkіеѕ. Sеѕѕіоn сооkіеѕ аrе dеlеtеd frоm уоur computer whеn you сlоѕе your brоwѕеr, whеrеаѕ реrѕіѕtеnt cookies remain stored оn уоur computer untіl dеlеtеd bу you, оr untіl thеу reach thеіr еxріrу dаtе, whichever is sooner.

Your consent to collect such information remains valid until withdrawn by you in writing. You may do so by submitting an email to the following email address hello@singaporefwmi.insure. Upon receipt of your request, we may require reasonable period of time to process the request. In general we seek 10 (ten) days to process such requests.

You understand that we may retain your Personal and Non Personal Information as long as it is necessary to fulfil the purposes for which it was collected or as required by applicable law. We will remove such information and cease to retain it as and when such retention no longer serves the purpose for which such information was collected and this is no longer relevant.

SECURITY AND EXTERNAL SOURCES

WWW.SINGAPOREFWMI.INSURE will use best practices to ensure that your Personal Information is secure and not open to third-party access. WWW.SINGAPOREFWMI.INSURE puts in places physical measures to ensure such protection. WWW.SINGAPOREFWMI.INSURE shall continue to NOT be responsible for any breach of security in respect of the Personal Information in case of events outside . WWW.SINGAPOREFWMI.INSURE's controls such as, but not limited to, earthquake, cyclone, tsunami and such natural disasters, as well as riots, acts of war, acts of terror, unauthorised computer attacks, system crashes, software or hardware defects etc., these and similar events are collectively classified as force majeure events.

WWW.SINGAPOREFWMI.INSURE shall not be responsible for any breach of security or any other consequence owing to Your having clicked on any third-party advertiser or such other links that appear on WWW.SINGAPOREFWMI.INSURE. The privacy policy and terms of use of the relevant advertising partner shall apply to all such transactions.

COMMUNICATIONS AND MISC.

WWW.SINGAPOREFWMI.INSURE shall preserve and store all communication made with You on any subject. These communications may be used, amongst other things, as evidence during legal investigations initiated by competent legal authorities, for the protection of WWW.SINGAPOREFWMI.INSURE's interests in the case of dispute and for any other purpose stated here regarding the use of Personal Information.

You agree that the use of the Website authorises the transfer of Your Personal Information across international borders and permit WWW.SINGAPOREFWMI.INSURE to store and process such information in any country around the world.

These conditions may be changed without notice by WWW.SINGAPOREFWMIM.INSURE from time to time. WWW.SINGAPOREFWMI.INSURE will not require your consent to change these conditions and Your continuing to access the Website will constitute as Your having given consent to such new terms and conditions of this policy. The date at the top of the Notice designates the last date of change in this regard.

All disputes in respect of this policy will be interpreted in accordance with the laws in force in Singapore. The courts at Singapore shall have exclusive jurisdiction.

You may reach our Data Protection Officer (DPO) at hello@singaporefwmi.insure for any queries.