01
Key Definitions
This section clarifies terminology used throughout this privacy policy to ensure clear understanding.
Any information relating to an identified or identifiable individual.
Any operation performed on personal data, such as collection, storage, or disclosure.
The individual using or interacting with our services, including retirees seeking insurance coverage.
The insurance products and related services provided by InsNewli.
Small data files stored on a user's device to facilitate service functionality and user experience.
02
Data Collection Practices
We collect specific personal information to provide and enhance our insurance services effectively and responsibly.
03
User-Provided Data
Information collected directly from users to manage accounts and provide insurance plans.
- Identification details including name and date of birth
- Contact information such as email and postal address
- Health and medical history relevant to insurance eligibility
- Payment and billing information
- Preferences related to communication and service delivery
- Consent records for processing personal data
04
Automatically Collected Data
Data collected through interactions with our website and digital services to improve user experience.
- Device and browser information
- IP address and location data within Singapore
- Browsing behavior on the InsNewli website
- Usage logs including time and duration of visits
- Cookie identifiers and preferences
- Error and diagnostic data for service improvement
05
Third-Party Data Sharing
We may share personal data with trusted partners and regulatory bodies as necessary to administer insurance services.
- Healthcare providers for claims processing
- Payment processors for billing and transactions
- Compliance authorities as required by Singapore law
06
Purposes of Data Processing
Personal data is processed for the following essential purposes to deliver our services effectively.
- Issuing and managing insurance policies
- Facilitating claims and customer support
- Meeting legal and regulatory obligations
- Improving service quality and user experience
- Communicating relevant updates and offers
- Conducting risk assessments and underwriting
- Preventing fraud and unauthorized activities
- Handling feedback and dispute resolutions
07
Legal Basis for Processing
Processing personal data is grounded in lawful bases under applicable Singapore data protection provisions.
- Performance of a contract between the user and InsNewli
- Compliance with legal obligations
- User consent where applicable
- Legitimate interests pursued by InsNewli to operate its services
08
Cookies and Tracking Technologies
Cookies help enhance your experience by remembering preferences and enabling key website functions.
We use session cookies, persistent cookies, and performance cookies to monitor usage and functionality.
Cookies are categorized into essential, analytics, and marketing types depending on their purpose.
Users can control cookie settings through browser preferences or device settings at any time.
Details on cookie usage are explained in our Cookie Policy.
09
Data Sharing and Disclosure
Personal data sharing is conducted responsibly and only as necessary to provide insurance services.
- Shared with healthcare entities for claim verification
- Shared with business institutions for payment processing
- Shared with legally authorized organizations for compliance
- Never shared with unauthorized advertising agencies
- Shared with IT service providers supporting InsNewli systems
- Protected under confidentiality agreements and data protection laws
10
International Data Transfers
Any transfer of personal data outside Singapore is managed with safeguards to protect user privacy consistent with applicable laws.
InsNewli employs contractual clauses and strict data security measures when engaging overseas service providers.
11
Data Retention Policy
Data retention periods are defined based on service requirements and legal retention obligations.
Account information is kept as long as the account is active and as required for audits.
Communications related to services are retained for a reasonable period to address inquiries.
System logs are maintained to ensure security and detect irregularities for a specified duration.
Data no longer necessary or upon user request is securely deleted following verification.
12
Data Security Measures
InsNewli implements multiple security measures to safeguard personal data against unauthorized access.
- Encryption technologies to secure data in transit and at rest
- Strict access controls and authentication procedures
- Regular security assessments and staff training on data protection
13
User Rights Regarding Data
Users have rights over their personal data which InsNewli respects and facilitates upon request.
- Access and obtain a copy of their personal data collected
- Request corrections or updates to inaccurate information
- Withdraw consent where applicable and request data deletion
- Object to certain data processing activities or request restrictions
- You have the right to restrict the processing of your personal data under certain circumstances, such as when accuracy is contested or processing is unlawful.
- You can object to the processing of your personal data for direct marketing purposes at any time without affecting service delivery.
- You have the right to data portability, enabling you to receive your personal data in a structured, commonly used, and machine-readable format.
- You may withdraw your consent to data processing at any moment, without affecting the lawfulness of processing based on consent before withdrawal.
14
Compliance with International Standards
InsNewli is committed to compliance with the General Data Protection Regulation (GDPR) to ensure the protection of personal data and privacy rights for users within the European Economic Area.
The GDPR provisions apply to how we collect, store, and process personal data of all applicable users interacting with InsNewli’s services.
- Data processing will be lawful, fair, and transparent.
- Data are collected for specified, explicit, and legitimate purposes and not further processed in incompatible ways.
- Only adequate, relevant, and limited data necessary for the purposes are collected.
- Data accuracy is maintained and inaccurate data are erased or rectified without delay.
If you believe your data rights under GDPR have been infringed, you may lodge a complaint with the relevant supervisory authority.
15
Requesting Your Privacy Rights
To exercise your data protection rights, please contact InsNewli with your request specifying the right you wish to exercise. Verification of identity may be required to safeguard your information.
[email protected]
We strive to respond to all privacy requests within 30 calendar days, depending on the complexity and nature of your inquiry.
16
Marketing Communications
InsNewli may contact you with informational and promotional content only if you have granted explicit consent. You can opt-out at any time to stop receiving marketing communications.
Unsubscribing is straightforward through the link provided in any of our marketing emails or by contacting us directly at our customer support.
17
Privacy of Minors
Our services are designed for adults, and we do not knowingly collect personal information from individuals under the age of 18 without parental consent.
18
Third-Party Links
InsNewli’s website may contain links to external sites not controlled by us. We encourage reviewing their privacy policies, as we are not responsible for their data practices.
Personal data sharing is conducted responsibly and only as necessary to provide insurance services.
Details on cookie usage are explained in our Cookie Policy.
19
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in practices or regulations. Updated policies will be posted on our website with the effective date stated.
