This is POPULAR's data protection policy for all our customers, and users of our website, mobile app and services. The purpose of this policy is to inform you of how we manage and safeguard your Personal Data which is subject to Singapore's Personal Data Protection Act 2012 as may be changed from time to time (the "Act").
By interacting with us, submitting information to us, or signing up for any Products and Services (as defined in Clause 3.2 below) offered by us, you agree and consent to POPULAR (including its related corporations and business units) (collectively, the "Companies"), as well as their respective representatives and/or agents collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to the Companies' authorised service providers and relevant third parties in the manner set forth in this Data Protection Policy.
This Data Protection Policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and your consents herein are additional to any rights which any of the Companies may have at law to collect, use or disclose your Personal Data.
We strongly believe in protecting your Personal Data. We will ensure that all reasonable security arrangements are in place to prevent any unauthorized access, collection, use, disclosure, copying modification or disposal of your Personal Data. Where necessary, we will require any person to whom we provide your personal data to agree to comply with our Data Protection Policy. While we will use all reasonable efforts to ensure that such persons comply with our Data Protection Policy, we will not be liable to you if any person fails to do so.
As part of our efforts to ensure that we properly manage, protect and process your personal data, we may from time to time update this Data Protection Policy to ensure that this policy is consistent with future developments or changes in legal or regulatory requirements. Subject to any rights that you may have at law, you agree to be bound by the prevailing terms of the Data Protection Policy as updated from time to time on our website. Please ensure that you visit our website regularly to obtain updated information on the handling of your Personal Data.
In this Data Protection Policy, personal data refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have, including data in our records as may be updated from time to time ("Personal Data").
Personal Data that you may provide to us include (depending on the nature of your interaction with us), amongst others, your name, NRIC, passport or other identification number or information, telephone number(s), mailing address, email address, credit history, geographical location, network data, computer network, device identifiers or information and any other information relating to any individual which you have provided us in any form submitted to us, or via other forms of interaction with you.
COLLECTION OF PERSONAL DATA
Generally, we collect Personal Data in the following ways,
when you submit an application form or other forms relating to any of the Products and Services;
when you interact with our customer service officers, for example, via telephone calls, letters, face-to-face meetings, emails or social media;
when you use some of our services, for example, websites including establishing any online accounts with us;
when you purchase or obtain third party services through us;
when you request that we contact you, be included in an email or other mailing list;
when you respond to our promotions, initiatives or to any request for additional Personal Data;
when you are contacted by, and respond to, our marketing representatives and customer service officers;
when we receive references from business partners and third parties (e.g. where you have been referred by them);
when we seek information from third parties about you in connection with the Products and/or Services you have applied for; and
when you submit your Personal Data to us for any other reasons, including when you express your interest in any of the products and Services.
If you provide us with any Personal Data relating to a third party (e.g. information of your spouse, children, parents, and/or employees), by submitting such information to us, you represent to us that you have obtained the consent of the third party to provide us with their Personal Data for the respective purposes set out in this Data Protection Policy.
You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with the products and Services you have requested.
PURPOSES FOR THE COLLECTION, USE AND DISCLOSURE OF YOUR PERSONAL DATA This Clause describes the purposes for which we collect, use and disclose your Personal Data.
Generally, we collect, use and disclose your Personal Data for the following purposes,
to respond to your queries and requests;
to manage our administrative and business operations and complying with internal policies and procedures;
to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving any of the Companies;
to match any Personal Data held which relates to you for any of the purposes listed in this Personal Data Protection Policy;
to resolve complaints and handle requests and enquiries;
to prevent, detect and investigate crime and analyse and manage any commercial risks;
to provide media announcements and responses;
to monitor or record phone calls and customer-facing interactions for quality assurance, employee training, performance evaluation and identity verification purposes;
legal purposes (including but not limited to obtaining legal advice and dispute resolution);
to conduct investigations relating to disputes, billing, suspected illegal activities or fraud;
to meet or comply with any applicable rules, laws, regulations, codes of practice or guidelines issued by any legal or regulatory bodies which are binding on us (including but not limited to responding to regulatory complaints, disclosing to regulatory bodies and conducting audit checks, due diligence and investigations); and
purposes which are reasonably related to any of the above purposes in this Clause 3.1 or for any other purpose which we may notify you at the time of obtaining your consent.
In addition, if you are employee of an organisation which is a customer and/or vendor of POPULAR and/or its affiliated companies (including but not limited to the membership subscription or use of our websites, online store, retail outlets, customer service, or any products and services of POPULAR (collectively, the "Products and Services"), we collect, use and disclose your Personal Data for the following purposes: -
opening or continuation of accounts and establishing or providing you with the products and Services you subscribe to (including but not limited to service activation, service operations, service delivery and order processing);
facilitating the continuation or termination of your subscription to the products and Services (including but not limited to administering membership subscription arrangements, account maintenance, account closure, processing renewal of contracts and customer relationship management);
facilitating the daily operation of the products and Services (including but not limited to billing, customer service, customer verification, technical support, network maintenance and troubleshooting);
facilitating third party services if purchased, obtained, administered or processed through us;
managing and executing our service-level agreements (or Customer Service Warranties) with you if any;
processing of payment instructions, GIRO, direct debit facilities and/or credit facilities requested by you, where applicable;
enforcement of repayment obligations (including but not limited to debt collection, filing of claims and retrieval of payments from losses made by our service partners);
administering and processing any insurance claims and payments arising under the respective policies;
credit and internal risk management (including but not limited to performing credit checks and disclosures to law enforcement agencies);
generating internal reports (including but not limited to annual, operational and management reports);
processing referral payments and commission fees to our external partners;
sharing of information with our Strategic Partners ("Strategic Partners" are organisations which share a close business relationship with us) in areas such as marketing collaborations.
administering fee adjustments, refunds and waivers;
notifying you of your entitlements under any loyalty and reward programmes with us;
analysing your use of the products and Services so as to help us improve, review, develop and efficiently manage the products and Services offered to you; and
purposes which are reasonably related to any of the above purposes in this Clause 3.2 or for any other purpose which we may notify you at the time of obtaining your consent.
DISCLOSURE OF PERSONAL DATA This Clause describes how your Personal Data may be disclosed by us.
Subject to Clause 4.2 below, we may share aggregated, non-personally identifiable information with the public and with our partners, such as our vendors, advertisers and other service providers.
We will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be disclosed for the purposes listed in Clause 3 above or for any purpose allowed under any applicable law or regulations, to the following parties: -
our related corporations and employees to provide content, products and Services to you, address your questions and requests in relation to your customer accounts, subscription and billing arrangements with us as well as our Services and to activate, deactivate, install, maintain and operate our systems and/or Services;
companies providing services relating to insurance and consultancy to us;
agents, contractors or third-party service providers who provide operational services to us, such as courier services, telecommunications, information technology, payment, printing, billing, payroll, processing, technical services, training, market research, call centre, security or any other services;
vendors or third-party service providers in connection with marketing promotions and services offered by us, our Strategic Partners or our Preferred Partners;
commercial shops and retailers in relation to providing rewards and benefits;
other telecommunications, content or other service providers to facilitate their provision of content or services, or for interconnection, inter-operability, system operation and maintenance and billing between service providers;
any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or asset sale) involving any of the Companies;
collection and repossession agencies in relation to the enforcement of repayment obligations for debts;
credit bureaus for the purpose of preparing credit reports or evaluation of creditworthiness;
external banks, credit card companies and their respective service providers;
our professional advisers such as auditors and lawyers;
relevant government regulators, statutory boards or authorities or law enforcement agencies to comply with any laws, rules, guidelines and regulations or schemes imposed by any governmental authority; and
any other party to whom you authorise us to disclose your Personal Data to.
You understand that the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Data, we cannot guarantee the security of your Personal Data transmitted to our websites, online Services and apps; any transmission is at your own risk. Additionally, we cannot assume responsibility for any unauthorised use of your Personal Data by third parties which are wholly attributable to factors beyond our control.
WITHDRAWAL OF CONSENT, ACCESS AND CORRECTION OF YOUR PERSONAL DATA This Clause describes how you can withdraw your consent or obtain access and make corrections to the Personal Data that you have provided us.
If you would like to withdraw your consent to any use of your Personal Data as set out in this Data Protection Policy, please write in to our Data Protection Officer (“DPO”). Contact details of our DPO are provided below.
Please be aware that once we receive confirmation that you wish to withdraw your consent for marketing or promotional materials/communication, it may take up to thirty (30) working days for your withdrawal to be reflected in our systems. In the meantime, you may still receive marketing or promotional materials/communication from us. Please note that even if you withdraw your consent for the receipt of marketing or promotional materials, we may still contact you for other purposes in relation to the products and Services that you hold or have subscribed to with us.
If you would like to obtain access and make corrections to your Personal Data records, please contact us in writing as follows: - Data Protection Officer 15 Serangoon North Ave 5, Singapore 554360 or through email at email@example.com
Please note that if your Personal Data has been provided to us by a third party (e.g. a referrer), you should contact that organisation or individual to make such queries, complaints, and access and correction requests to us on your behalf.
If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, we may not be in a position to continue to provide the products and Services to you or administer any contractual relationship that is already in place, which in turn may result in the termination of any agreements that you have with us, resulting in you being in breach of your contractual obligations or undertakings. POPULAR’s legal rights and remedies in such event are expressly reserved.
GOVERNING LAW This Data Protection Policy and your use of this website is governed by Singapore law.
AMENDMENTS OF POPULAR DATA PROTECTION POLICY POPULAR may amend this data protection policy from time to time and make available the updated policy on our website.