Life Celebrant Pte Ltd (“TLC”) is committed to providing the highest level of security and privacy regarding the collection and use of our customer’s nonpublic personal information. We want you to understand how we handle the personal information about you that we collect and disclose. This notice also explains how you can limit our disclosing of personal information about you.
HOW AND WHY WE GATHER PERSONAL INFORMATION
We only collect and use the information we need to help you meet your needs. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you, and enhance customer service by better understanding the need of your loved one. This nonpublic personal information may include:
• Information we receive from you on applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means (such as your name, address, NRIC number, income, and credit references);
• Information we receive from public sources (such as medical records, housing records, telephone numbers, etc)
INFORMATION WE SHARE
(a) Type of Information We Share
We may disclose all the information we collect, as described above.
(b) Categories of Affiliates and Non-Affiliated Third Parties that Receive Information from TLC.
We may disclose all the nonpublic personal information we collect about you with our affiliates and with non-affiliated third parties. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A non-affiliated third party is a person we do not employ or a company that is not an affiliate of ours.
In order to provide you with superior service, there are times where it may be beneficial to share all or a portion of your nonpublic personal information with our affiliates and with non-affiliated third parties. By sharing this information we can better understand your loved one needs.
We may also disclose all the nonpublic personal information we collect about you to affiliated and non-affiliated third parties as permitted by law. Affiliates and non-affiliated third parties that receive your nonpublic personal information agree to keep that information confidential and to use it only for the function that we ask them to perform.
(c) Disclosures of Information to Parties that Provide Services to Us
We may disclose all the nonpublic personal information we collect about you to companies that help us perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.
HOW TLC PROTECTS YOUR PERSONAL INFORMATION AND YOUR PRIVACY
We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.
RESTRICTING YOUR INFORMATION SHARING; OPTING OUT
No action is required by you if you wish to permit the information sharing as described above. You can direct us not to disclose nonpublic personal information about you to affiliated parties for marketing purposes. You can also direct us not to disclose any nonpublic personal information about you to non-affiliated third parties. You may opt out of those types of disclosures, that is you may direct us not to make those disclosures. However, the right to opt out does not apply to disclosures that are legally permitted or required or to disclosures that TLC makes to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with TLC.
INFORMATION WE DISCLOSE
Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.
By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.
We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.
All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.
We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.
THE USER ACKNOWLEDGES AND AGREES THAT ALL THE INFORMATION ON THIS WEB-SITE IS PROVIDED “AS IS”.
TLC has used reasonable endeavours to ensure that the information and materials posted on this Web-site are correct at the time of posting. However, TLC gives no warranty and accepts no responsibility or liability for the accuracy or the completeness of the information and materials provided here for any purpose whatsoever. No reliance should be made by any user on the information or material so posted; instead, the user should independently verify the accuracy and completeness of the information and/or materials with the originating or authorising faculty, department or other body.
The user acknowledges and agrees that TLC shall not be held responsible or liable in any way for any and/or all consequences (including, without limitation, damages for loss of profits, business interruption, or loss of information) that may be incurred by the user as a direct or indirect result of using, or the inability to use, any materials or contents on this Web-site, even if TLC has been advised of the possibility of such damages in advance; and no right of action will arise as a result of personal injury or property damage, howsoever arising, sustained as a result of reference to, or reliance upon, any information contained in, or omitted from, this Web-site, whether through neglect or otherwise.
TLC reserves the right at any time, from time to time, to make changes to the whole or any part of these terms and/or the services offered on this Web-site as it deems appropriate.
This Web-site may contain links to other World Wide Web sites or resources operated by parties other than TLC. Such links are provided as a service for the convenience of the users of this Web-site. As TLC has no control over such sites and resources, the user acknowledges and agrees that TLC is not responsible nor liable for any content or material on or available from such sites or resources. In providing such links, TLC does not in any way, expressly or implicitly, endorse the linked sites or resources or the respective contents thereof. The user further acknowledges and agrees that TLC shall not be responsible or liable, whether directly or indirectly, for any damage or loss caused or sustained by or alleged to be caused or sustained by the user, in connection with the use or reliance on any information or material available on such linked sites or resources.
© Life Celebrant Pte Ltd, 2010 – 2013. All rights reserved.
This Web-site and its contents are subject to copyright protection under the laws of Singapore and, through international treaties, other countries. The copyright in the contents and materials available on this Web-site as a whole is owned by Life Celebrant Pte Ltd (“TLC”). However, the copyright in some contents and materials incorporated within this Web-site may be owned by third parties where so indicated.
No part of the contents or materials available on this Web-site may be reproduced, licensed, sold, published, transmitted, modified, adapted, publicly displayed, broadcast (including storage in any medium by electronic means whether or not transiently for any purpose save as permitted herein) without the prior written permission of TLC. You may view this Web-site and its contents using your Web browser and save an electronic copy, or print out a copy, of parts of this Web site solely for your own information, research or study, provided you (a) do not modify the copy from how it appears in this Web-site; and (b) include the copyright notice “Life Celebrant Pte Ltd, 2010 – 2013” on such copy.
TLC logos should never be removed from pages on which they originally appear. TLC webpages should always appear exactly as posted without variation, unless the prior written approval of TLC is obtained.
You must not otherwise exercise the copyright in the whole or any part of the contents and materials in this Web-site for any other purpose except as expressly permitted by any applicable law or with TLC’s prior written consent.
The logo and name of the TLC or any of its affiliates are trademarks of the TLC or its affiliates. TLC has policies governing the use of its name, including the names of its products and services, and its trademarks. The use, reproduction, copying or redistribution of trademarks without the prior written permission of TLC or its affiliates is prohibited. All other trademarks appearing on this Web-site are the marks of their respective owners.
Links from other websites to TLC website
TLC supports and encourages good Netiquette. TLC should be informed of links from external websites. However, TLC reserves the right to require the removal of any links from external websites to TLC website. Deep linking to TLC web pages is prohibited – any links created by the user to the TLC’s website should be text links containing our domain name and which transfer other visitors directly to our homepage. TLC requires that the contents of its website should not appear within the frames of others, nor be accompanied in any way by third-party material that may create a false or mistaken impression in the mind of the viewer about the TLC’s affiliation or association with or endorsement of the third party site, frame, or material.