Information collected automatically when you use the Tigermar website.

We (and third-party service providers acting on our behalf) use cookies and other tools (such as web analytic tools and pixel tags) to automatically collect information about you when you use TIGERMAR sites, subject to the terms of this Privacy Notice and applicable data laws and regulations. The types of information collected automatically may include:

• information about the type of browser you use
• details of the web pages you have viewed
• your IP address
• the hyperlinks you have clicked
• your user name, profile picture, gender, networks and any other information you choose to share when using Third Party Sites (such as when you use the “Like” functionality on Facebook or the +1 functionality on Google+)
• the websites you visited before arriving at a TIGERMAR site
  How do we use your information?
  Our use of your personal information will always have a lawful basis, either because it is necessary for our performance of a contract with or arranged for you, because you have consented to our use of your personal data or because it is in our legitimate interests. We set out below the purposes we might use your personal data for.

Purposes

The use of your personal information for insurance purposes

Quotation/Inception:

• Setting you up as a client, including possible fraud, sanctions, credit and anti-money laundering checks
• Evaluating the risks to be covered and matching to appropriate policy/premium
• Payment of premium where the insured/policyholder is an individual

Policy administration:

• Client care, including communicating with you and sending you updates
• Payments to and from individuals

Claims Processing:

• Managing insurance and reinsurance claims
• Defending or prosecuting legal claims
  Investigation or prosecuting fraud

Renewals:

• Contacting the insured/policyholder to renew the insurance policy
• Evaluating the risks to be covered and matching to appropriate policy/premium
• Payment of premium where the insured/policyholder is an individual

Other purposes outside of the insurance lifecycle but necessary for the provision of insurance throughout the insurance lifecycle period:

• Complying with our legal or regulatory obligations
• General risk modelling
• Transferring books of business, company sales and reorganisations

For a more detailed explanation of how we will use your personal data for marketing purposes see “The use of your personal information for marketing purposes”. For details of how we use special categories of personal data see “The use of special categories of personal information”.

The use of your personal information for employment purposes

This Site may provide an opportunity to submit your curriculum vitae or an application form to us or apply for a position through this Site. If you submit information for such purposes, we will use (which may include transferring) the personal information you provide to evaluate your qualifications and contact you regarding any positions at Tigermar or any of its affiliated companies in which we believe you may be interested.

We may pass your personal information to other members of Tigermar for the purposes of considering your application. This will involve transferring your personal information to our employees who will process your application on our behalf.

The use of your personal information for marketing purposes

When you become a customer, we will on occasion use your name and email address to send you information about other Tigermar products and services that we think you may be of interest to you. We will also send you risk management information that we think will help you manage and mitigate the risks in your business and minimise their financial impact. Your information will only be used by companies within Tigermar for this purpose and will not be shared with third parties.

Your right to object

You have the right to object to our use of your personal details for direct marketing purposes whereupon we will cease such activity immediately. If you wish Tigermar to stop sending you marketing material you can contact us by email at info@tigermar.com.

You can also unsubscribe from our mailings by clicking on the link in one of our electronic messages. All our electronic marketing communications will usually include the option to unsubscribe.

The legal basis for using your personal details for direct marketing

We are permitted to process your information to send you marketing material where we have a legitimate business purpose. When we process information for our legitimate interest we make sure to consider and balance any potential impact on you and your rights under the relevant data protection laws. We will not use your personal information for activities where our interests are overridden by yours, unless we have your consent or are otherwise required or permitted by law.

Tigermar has undertaken a review of its marketing activities and considered its impact on its customers. It has concluded that it is reasonable to assume that its customers would expect Tigermar to promote its services and products to them, provided such customers have not indicated that they do not want to receive such material. In addition, Tigermar believes that its customers find this information useful in managing their risk exposures, and that in the context of its professional and commercial relationship with its customers, Tigermar’s marketing activity represents a minimal intrusion into the customer’s privacy and there is no other unreasonable impact on the customer. Furthermore, Tigermar will provide its customers with the opportunity to unsubscribe from receiving marketing material in every marketing communication they receive.

Tigermar may also send marketing information to prospective clients who have used our services in the past or whose contact details have been provided to Tigermar by existing clients or other third-party introducers. Following a review of this activity, Tigermar has concluded that the use of this personal information is within the reasonable expectation of the recipients and that the impact on the prospective customer’s privacy is minimal. The limited nature and frequency of such communications ensure that such activity does not become intrusive.

For these reasons, Tigermar has decided to base its use of personal information for marketing purposes on the ground that it has a legitimate interest in providing its clients with such material.

Marketing to individuals

The Privacy and Electronic Communications Regulation (PECR) requires that electronic marketing communications are not sent to Individuals unless they have consented to receive such material. Similarly, the Do Not Call (DNC) provisions of the Personal Data Protection Act (PDPA) generally prohibits organisations from sending marketing messages to Singapore telephone numbers listed in the DNC Registry unless the recipients have given clear and unambiguous consent to receive such messages.
TIGERMAR utilises the “soft opt-in” process available to obtain this consent. This means organisations can send marketing texts or emails if:

1. they have obtained the customers contact details in the course of a sale (or negotiations for a sale) of a product or service to that person or entity;
2. they are only marketing their own similar products or services;
3. the Singapore telephone number is not listed in he DNC Registry and
4. they gave the individual the opportunity to refuse or opt out of the marketing, both when first collecting the details and in every message after that.

TIGERMAR gives its customers the opportunity to decline receiving marketing material when it first collects the customers contact details, whether the prospective sale is conducted by telephone, online or by email, and the option to unsubscribe is also included in all subsequent marketing communications.

Where you purchase insurance through TIGERMAR we will ask for your consent to send you marketing communications.

The use of special categories of personal information

In some circumstances, we (and other insurance market participants) may need to collect and use special categories of personal data (e.g. health information) or information relating to criminal convictions and offences. Where this is required we will only process this information if it is required for an insurance purpose, such as advising, arranging, underwriting, handling a claim or exercising a right or complying with an obligation under, an insurance contract. We will ensure that the processing of the special category data is necessary and proportionate for that purpose.

In certain circumstances we may need your consent to process such information. Where we need your consent, we will ask for it separately and you do not need to give your consent and may withdraw it at any time. However, if you do not give your consent, this may affect our ability to arrange and administer the insurance cover from which you benefit and may prevent us from arranging cover for you or handling your claims.

Retention of your personal information

We will keep your personal data only for so long as is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under this insurance, or where we are required to keep your personal data due to legal or regulatory reasons.

Transferring your personal information

We may need to transfer your data to insurance market participants or their affiliates or sub-contractors which are located in other countries. Those transfers would always be made in compliance with the applicable Data Protection Laws. You are deemed to accept and agree to this by using our site and/or our offline services and submitting information to us.

Safeguarding your personal information

We take all reasonable precautions to keep your personal information secure and require any third parties that handle or process your personal information for us to do the same.

Access to your personal information is restricted to prevent unauthorised access, modification or misuse and is only permitted among our employees and agents on a need-to-know basis. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect offline and online.

Who do we share your personal information with?

In order for us to conduct our business activities we need to collect and process personal data about you and to share this information with third parties such as other insurance intermediaries, insurers, reinsurers and loss adjusters. We may also disclose personal data for these purposes to our service providers, contractors, agents, and group companies that perform activities on our behalf.

As explained, insurance involves the use and disclosure of your personal data by various insurance market participants such as intermediaries, insurers and reinsurers.
In certain circumstances, we may be legally required to share certain data held by us, which may include your personal data, for example, where we are involved in legal proceedings, where we are complying with legal obligations, a court order, or a governmental authority.

Where you have been referred to Tigermar by a third party we may pay them a commission. To enable the third party to reconcile the commission payments it is due we may also share your personal information with them for this purpose. We will not provide them with any personal information they do not already possess as part of their existing business relationship with you, other than the month of a policy inception or renewal giving rise to a commission payment. Tigermar has determined that this processing is necessary for the performance of its legitimate business interests and is within the reasonable expectation of the referred commercial clients. It has also undertaken an assessment of the impact of such processing on your privacy and has concluded that such impact is minimal. If you have any concerns about the processing of your personal information for this purpose, please contact us by using the contact details in Contacting us.

Information obtained during the course of negotiating a claims settlement on behalf of a client may be used in the negotiation of a claim with the same insurer for another Tigermar client or clients. The information will only be shared with the common insurer and enables us to provide a more effective claims handling service to our clients without compromising the confidentiality of client information. Tigermar has determined that this processing is necessary for the performance of its legitimate business interests.

What happens if our business changes hands?

We may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of our business. Any personal data that you have provided will, where it is relevant to any part of our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Notice, be permitted to use that data only for the same purposes for which it was originally collected by us.

How you can access your information and correction

You have the right to ask for a copy of any of your personal data held by us. No fee is payable, and we will provide any and all information in response to your request free of charge. We may charge a reasonable fee when a request is manifestly unfounded or excessive, particularly if it is repetitive. Please contact us using the contact details in Contacting us.
We want to make sure that your personal information is accurate and up to date. You can ask us to correct or remove information you think is inaccurate.

Contacting us

Please contact us if you have any questions about this notice or the information we hold on you:

EMAIL: legal@tigermar.com

Changes to our Privacy Notice

We may change this Privacy Notice from time to time. Any changes will be immediately posted on Tigermar sites. We will give you reasonable notice of any material change. We encourage you to visit frequently to stay informed about how we use your personal information.

This policy was approved by Tigermar on 1st November 2023.