HL Assurance Pte. Ltd. Policy On Personal Data

HL Assurance Pte. Ltd. (“HLAS”) is a member of Hong Leong Group, a leading conglomerate based in Malaysia with diversified businesses in Asia, Europe, North America and Oceania. We are a licensed general direct insurer and also a member of General Insurance Association in Singapore.

HLAS and its related bodies corporate (“we, our, us”) recognise the importance of protecting the privacy and rights of individuals in relation to their personal data. This document is our policy on personal data and it tells you how we collect andmanage your personal data.

The provisions of this policy may form part of the account terms and conditions and/or the agreement or arrangements that you have or may enter into with HLAS. If any inconsistency is found, the provisions of this policy shall prevail.

What is your personal data?

When used in this policy on personal data, the term “personal data” has the meaning given to it in the Personal Data Protection Act (the “Act”). In general terms, it is any data that can be used to identify you and includes your name, address, telephone number, facsimile, email address, and profession or occupation. If we can identify your identity from the data we collect or from that data and other information to which we have or is likely to have access, the data will be considered personal data.

What personal data do we collect and hold?

We may collect the following types of personal data:

How do we collect your personal data?

We collect your personal data directly from you unless it is unreasonable or impracticable to do so. When collecting personal data from you, we may collect in ways including:

We may also collect personal data from third parties including: We hold your personal data in an electronic system in Singapore.

What happens if we do not collect your personal data?

If you do not provide us with the personal data described above, some or all of the following may happen:

For what purposes do we collect, hold, use and disclose your personal data?

We collect, hold, use and disclose your personal data for the following purposes:

Who may we disclose your personal data to?

We may disclose your personal data to:

We may disclose your personal data to entities located outside of Singapore.

Use of personal data in direct marketing

We may send you direct marketing communications and information about our products and services that we consider may be of interest to you. These communications are sent in various forms including email, SMS, fax, telephone calls and mail, in accordance with applicable marketing laws, such as the Spam Control Act and Do Not Call registry rules under the Act. If you indicate a preference in regards to a method of communication, we will endeavor to use that method wherever practical to do so.

If you do not wish to receive any marketing communications from us, you may exercise your opt-out right by notifying HLAS (see details below) or by using the opt out facilities provided in the marketing communications and we will ensure that your name is removed from our mailing list.

We do not provide your personal data to other organisations for the purposes of direct marketing.

How can you access and correct your personal data?

You may request access to any personal data we hold about you at any time by contacting us (details below). We may charge you a fee to cover our administrative and other costs in providing the personal data to you.

You may do any of the following:

There may be instances where we cannot grant you access to the personal data we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.

How do you complain about a breach of privacy?

If you believe that your privacy has been breached, please contact us (see details below) and provide details of the incident so that we may investigate it.

Use of cookies

When you visit our website, information about your browsing behavior on our website may be collected with the use of “cookies”. A cookie is a small piece of data sent from a website and automatically stored in a user’s web browser when a user visits the website. The information collected by “cookies” may include items such as language preference, the pages visited and aggregated research data such as number of visitors but contain no personally identifiable information.

HLAS uses cookies to maintain the state of user connection with our website and gather statistics on users’ overall website browsing behavior so that we can evaluate our website’s effectiveness and improve the user experience. If you prefer, you may disable the cookies by changing the setting on your web browser. However, you may not be able to fully utilise the functions of our website if cookies are disabled.

HLAS may work with or engage third parties to conduct research on the usage and activities of users on our website on our behalf. No personally identifiable information about you is collected or shared with third parties as a result of the research.


HLAS takes reasonable steps to ensure your personal data is protected from misuse and loss and from unauthorised access, modification or disclosure. We may hold your personal data in either electronic or hard copy form. Personal data is destroyed or de-identified when no longer needed.

However, as our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of data that you communicate to us. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal data or other information that you transmit to us is transmitted at your own risk.

Contact us

If you have any questions about this policy on personal data, any concerns or a complain regarding the collection, use or disclosure of your personal data or a possible breach of your privacy, please use the Contact link on our website or contact our Data Protection Officer via the details set out below.

Changes to our policy on personal data

We may change this policy from time to time and any changes will be posted on HLAS’s website at www.hlas.com.sg. This policy on personal data was last updated on 5 December 2013.