Legal

Privacy Policy

Last Updated: 1 January 2025

AP Alliance Pte. Ltd. ("AP Alliance", "we", "us", or "our") is committed to protecting your personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore. This Privacy Policy explains how we collect, use, disclose, and protect personal information obtained through our website at apalliancepte.com and in the course of our business operations.

1. Data We Collect

We may collect the following categories of personal data:

  • Identity information: full name, NRIC/FIN, date of birth, nationality
  • Contact details: email address, phone number, residential or business address
  • Financial information: income details, existing insurance policies, investment preferences
  • Health information: where relevant to insurance application assessments
  • Website usage data: IP address, browser type, pages visited, time on site (via cookies)
  • Communications: records of enquiries, emails, and consultations

2. How We Collect Data

We collect personal data through:

  • Enquiry and contact forms on our website
  • Face-to-face consultations and needs analysis sessions
  • Insurance applications submitted through our agency
  • Telephone and email correspondence
  • Automatic collection via cookies and analytics tools when you browse our website

3. Purposes of Collection

We collect and use your personal data to:

  • Provide insurance advisory, financial planning, and related services
  • Process insurance applications and renewals on your behalf
  • Communicate with you regarding your policies, claims, and account
  • Comply with regulatory obligations, including MAS requirements
  • Improve our website and service offerings
  • Send marketing communications where you have provided consent
  • Respond to your enquiries and provide customer support

4. Disclosure of Personal Data

Your personal data may be shared with:

  • Licensed insurance companies and product providers for policy placement
  • Regulatory authorities including MAS, IRAS, and other Singapore government agencies where required by law
  • Professional service providers (legal, accounting, IT) bound by confidentiality obligations
  • Our appointed representatives and financial advisors

We do not sell your personal data to third parties.

5. Data Protection and Security

We implement appropriate technical and organisational measures to safeguard your personal data against unauthorised access, disclosure, alteration, or destruction. These include access controls, data encryption, and regular security assessments. However, no method of internet transmission is completely secure, and we cannot guarantee absolute security.

6. Retention of Data

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for legal, regulatory, and compliance purposes. Insurance-related records are typically retained for a minimum of seven years following the end of the client relationship, in line with MAS guidelines.

7. Your Rights

Under the PDPA, you have the right to:

  • Access personal data we hold about you
  • Request corrections to inaccurate or incomplete data
  • Withdraw consent for marketing communications at any time
  • Request information about how your data has been used in the past year

To exercise these rights, please contact our Data Protection Officer at support@apalliancepte.com.

8. Cookies

Our website uses cookies to enhance your browsing experience. Please refer to our Cookie Policy for full details on the types of cookies used and how to manage them.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

For privacy-related enquiries or to exercise your data rights, please contact:

AP Alliance Pte. Ltd.
7500A Beach Road, #04-309 The Plaza, Singapore 199591
Phone: +65 9020 7697
Email: support@apalliancepte.com