If you have any questions about our use of your Personal Information you can contact us at :  
   
AIG Asia Pacific Insurance Pte. Ltd. 
Attn: Data Protection Officer 
78 Shenton Way, #07-16, 
Singapore 079120.

Email: singaporedataprotectionofficer@aig.com
URL: https://www-411.AIG.com.sg/contactus/

The principal ways we collect Personal Data are through our application forms for our insurance products, by phone through telephone applications, registrations made by you through our claim forms, AIG Electronic Services, e-mails and other communications, as well as from other insurers, claims investigation, medical professionals, witnesses and other third parties involved in our business dealings with you. 

We collect Personal Data through:

• this website (the “Site”);
• the software applications made available by us for use on or through computers and mobile devices (the “Apps”);
• our social media pages set forth in the links in the footer on AIG.com (our “Social Media Content”) (collectively, including the Site, the Apps and our Social Media Content, referred to as the “AIG Electronic Services”);
  
• and through other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you).

Depending on your relationship with us (for example, as a consumer policyholder, non-policyholder insured or claimant, witness, commercial broker or appointed representative, or other person relating to our business), Personal Data collected about you and your dependants may include: 

• General identification and contact information 
  Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords (including on our systems); educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
• Identification numbers issued by government bodies or agencies 
  Identity card number, passport number; employment pass or work permit / FIN number , tax identification number; military identification number; or driver’s or other license number.
• Financial information and account details 
  Payment card number; bank account number and account details; credit history and credit score; assets; income; and other financial information.
• Medical condition and health status
  Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
• Other sensitive information
  In certain cases, we may receive sensitive information about your trade union membership, religious beliefs, political opinions, family medical history or genetic information (for example, if you apply for insurance through a third-party marketing partner that is a trade, religious or political organization).  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
• Telephone recordings
  Recordings of telephone calls between you and our representatives and call centers.
• Information to investigate crime, including fraud and money laundering
  For example, AIG Asia Pacific has a duty at law to disclose to the Monetary Authority of Singapore (“MAS”),  Criminal Investigation Department (“CID”) or Commercial Affairs Department ( “CAD”) or other authorities information about previous dealings with policyholders and claimants for investigations into money laundering, drug trafficking or other serious crimes under the “Corruption, Drug Trafficking and Other Serious Crimes ( Confiscation of Benefits ) Act or the Terrorism ( Suppression of Financing ) Acts, and AIG Asia Pacific may also share information about our dealings with policyholders and claimants for this purpose.
• Information enabling us to provide products and services
  Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
• Marketing preferences and customer feedback
  You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey.
• Social media account and information from Apps
  We may receive certain Personal Data about you when you use our Apps or Social Media Content, including your social media account ID and profile picture, and other Personal Data that you provide to us.  If you elect to connect your social media account provided by another social media service provider to your account(s) on any of the AIG Electronic Services, Personal Data from your social media account will be shared with us, which may include Personal Data that is part of your social media account profile or your friends’ profiles. 

Our overriding principle is only to collect any of the above Personal Data which we believe to be relevant and required to understand your insurance needs, to conduct our business and to provide better customer service and products.  In this respect, the particular purposes for which Personal Data may be collected and used by AIG Asia Pacific and AIG Affiliates are as follows:

• Communicating with you and others as part of our business.
• Providing insurance, financial services or related products and services to you and administering, maintaining, managing and operating such products and/or services including any renewals.
• Sending you important information regarding changes to our policies, other terms and conditions, renewal of policies, AIG Electronic Services and other administrative information.
• Processing, assessing and determining any applications or requests made by you for insurance products or services.
• Any purposes in connection with any claims made under any insurance products or in respect of any services provided by AIG Asia Pacific or AIG Affiliates including, without limitation, making, defending, analysing, investigating, processing, assessing, determining or responding to such claims.
• Performing any functions and activities related to the insurance products and/or services provided by AIG Asia Pacific or AIG Affiliates including, without limitation, obtaining reinsurance, auditing, reporting and general servicing and maintenance of online and other service.
• Assessing your eligibility for payment plans, and processing your premium and other payments.
• Providing improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).
• Preventing, detecting and investigating crime, including fraud and money laundering, and analysing and managing other commercial risks.
• Carrying out market research and analysis, including satisfaction surveys.
• Providing marketing information to you including information about other products and services offered by selected third-party partners. Personalising your experience on AIG Electronic Services by presenting information and advertisements tailored to you.
• Identifying you to anyone to whom you send messages through AIG Electronic Services.
• Enrolling you in contests, prize draws and similar promotions, and administering these activities.  Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Data, so we suggest that you read these carefully.
• Facilitating social media sharing functionality.
• Managing our infrastructure and business operations, and complying with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; business continuity; and records, document and print management.
• Resolving complaints, and handling requests for data access or correction.
• Complying with applicable laws and regulatory obligations (including laws outside of Singapore), such as those relating to anti-money laundering and anti-terrorism; comply with legal process; respond to requests from public and governmental authorities (including those outside of Singapore); and for audit, compliance, investigation and inspection purposes.
• Matching any Personal Data held by AIG Asia Pacific or AIG Affiliates relating to you from time to time for any of the purposes listed in this Privacy Policy.
• Meeting the requirements to make disclosure pursuant to any law binding on AIG Asia Pacific or any of the AIG Affiliates or for the purposes of complying with any regulations or guidelines issued by any regulatory or other authorities which have jurisdiction over AIG Asia Pacific or any AIG Affiliates.
• Conducting background and identity checks, such as for the purposes of verifying your identity in order to respond to your request to be provided with a duplicate policy or other documentation, any request made by you to change your address in our records, or any request by you to change your bank account or payment or other details in our records.
• Conducting credit checks on you- such as analysing verifying and/or checking your credit, payment and/or status in relation to your ability to use the services.
• Carrying out due diligence or other screening activities in accordance with legal or regulatory obligations or risk management procedures that may be required by law or that may have been put in place by AIG Asia Pacific.
• Determining any amount of indebtedness owing to or from you and collecting or recovering any amount owing from you or any person who has provided security or an undertaking for such liabilities of yours. Enabling an actual or proposed purchaser, assignee, transferee, participant or sub-participant of AIG Asia Pacific or any of AIG Affiliates’ rights or business to evaluate the transaction intended to be the subject of the reorganisation, merger, sale, joint venture, assignment, transfer, participation or sub-participation.
• Establishing and defending legal rights; protecting our operations or those of any of our group companies or insurance business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursuing available remedies or limit our damages.
• Exercising any rights AIG Asia Pacific or AIG Affiliates may have in connection with the provision of insurance products and services to you. 

Due to the global nature of our business, for the purposes set out above we may transfer Personal Data to parties located in other countries that may have a different data protection regime than is found in Singapore. Personal Data collected in Singapore by AIG Asia Pacific is likely to be transferred to places outside of Singapore (such as to AIG or AIG secure data centres, AIG Affiliates, service providers, business partners and governmental or regulatory authorities) in order to carry out the purposes, or directly related purposes, for which the Personal Data was collected. Where such a transfer is performed, it will be done in compliance with the applicable law. 

AIG may make Personal Data available to:

• Our group companies 
  For a list of AIG Affiliates that may have access to and use of Personal Data, please refer to http://www.aigcorporate.com/AIG_All_Entities.pdf. AIG Asia Pacific is responsible for the management and security of jointly used Personal Data.  Access to Personal Data within AIG is restricted to those individuals who have a need to access the information for our business purposes.
• Other insurance and distribution parties 
  In the course of marketing and providing insurance and processing claims, AIG may make Personal Data available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
• Our service providers 
  External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.
• Recipients of your social sharing activity
  Your friends associated with your social media account, other website users and your social media account provider, in connection with your social sharing activity, such as if you connect your social media account provided by another social media service provider to your AIG Electronic Services account or log into your AIG Electronic Services account from another social media account.  By connecting your AIG Electronic Services account and your other social media account you authorize us to share data with the provider of your other social media account and you understand that the use of the data we share will be governed by the other service provider’s social media website’s privacy policy.  If you do not want your Personal Data shared with other users or with your other social media account provider, please do not connect your other social media account with your AIG Electronic Services account and do not participate in social sharing on AIG Electronic Services.
• Governmental authorities and third parties involved in court action
  AIG may also share Personal Data with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside of Singapore; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside of Singapore; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; (g) to allow us to pursue available remedies or limit our damages; and (h) for audit, compliance, investigation and inspection purposes.
• Other Third Parties
  We may share Personal Data with payees; emergency providers (fire, police and medical emergency services); retailers; medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.  To check information provided, and to detect and prevent fraudulent claims, Personal Data (including details of injuries) may be shared with other insurers when dealing with claims to detect, prevent and investigate fraud.

Personal Data may also be shared by you, on message boards, chat, profile pages and blogs, and other AIG Electronic Services to which you are able to post data and materials (including, without limitation, our Social Media Content).  Please note that any data you post or disclose through these services will become public information, and may be available to visitors and users of the AIG Electronic Services and to the general public.  We urge you to be very careful when deciding to disclose your Personal Data, or any other information, when using AIG Electronic Services.

AIG will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Data you might have with us has been compromised), please immediately notify us. (See the “Who to Contact About Your Personal Data” section above.)

When AIG provides Personal Data to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Data.

AIG takes reasonable steps to ensure that the Personal Data we process is reliable for its intended use, and as accurate and complete as is necessary to carry out the purposes described in this Privacy Policy. AIG Asia Pacific will destroy any Personal Data it may hold in accordance with its internal policy which accords the following principles:

(a) Personal Data will only be retained for as long as is necessary to fulfill the original or directly related purpose for which such data was collected, unless the Personal Data is also retained to satisfy any legal obligations; and
(b) Personal Data is purged from AIG Asia Pacific’s electronic, manual, and other filing systems in accordance with specific schedules based on the above criteria and AIG Asia Pacific’s internal procedures. 

If you provide Personal Data to AIG regarding other individuals, you agree:

(a) to inform the individual about the content of this Privacy Policy; and

(b) to obtain any legally-required consent for the collection, use, disclosure, and transfer (including cross-border transfer) of Personal Data about the individual in accordance with this Privacy Policy.  

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you. You can also contact us by e-mail at the following URL link : https://www-411.AIG.com.sg/contactus/ or by writing to: AIG Asia Pacific Insurance Pte. Ltd. at 78 Shenton Way #07-16, Singapore 079120, or calling our hotline number: 6419 3000 to tell us your marketing preferences and to opt-out.

If you no longer want to receive marketing-related e-mails from AIG on a going-forward basis, you may opt-out of receiving these marketing-related emails by clicking on the link to indicate so or by contacting us at the above address. We aim to comply with your opt-out request(s) within 30 days of receiving your opt-out request. Please note that if you opt-out as described above, we will not be able to remove your Personal Data from the databases of third parties with whom we have already shared your Personal Data (i.e., to those to whom we have already provided your Personal Data as of the date on which we respond to your opt-out request). Please also note that if you do opt-out of receiving marketing communications from us, we may still send you other important administrative communications.

In certain countries, an individual may have the right to access, correct, object to the use of, or request deletion or suppression of Personal Data on certain grounds. Please contact us as set out in the “Who to Contact About Your Personal Data” section above with any such requests or if you have any questions or concerns about how we process Personal Data.  Please note that some Personal Data may be exempt from access, correction, objection, deletion or suppression rights in accordance with local privacy and data protection laws.

“Other Information” is any information that does not reveal your specific identity, such as:

• Browser and electronic device information;
• App usage data;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you; and
• Aggregated information

Other Information We Collect

We and our third-party service providers may collect Other Information in a variety of ways, including:

• Through your internet browser or electronic device: Certain information is collected by most websites or automatically through your electronic device, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, internet browser type and version, electronic device manufacturer and model, language, time of the visit, page(s) visited and the name and version of the AIG Electronic Services (such as the App) you are using. We use this information to ensure that the AIG Electronic Services function properly.
• Through your use of the App: When you download and use the App, we and our service providers may track and collect App usage data, such as the date and time the App on your electronic device accesses our servers and what information and files have been downloaded to the App based on your device number.
• Using cookies: Cookies are pieces of information stored directly on the computer you are using. Cookies allow us to recognize your computer and to collect information such as internet browser type, time spent using the AIG Electronic Services, pages visited, language preferences and relevant country website. We may use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the AIG Electronic Services, or to gather statistical information about the usage of the AIG Electronic Services. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other websites.

Below is a description of all the cookies we use on our Singapore websites, what they do, what data about you they collect and what we use them for:

• Geo Location cookie – When a visitor visits one of our sites for the first time we read their location from their IP address and use this information to assume the country site that they want to visit. This method is not entirely accurate, however, so when they navigate to a particular country site we use a cookie to store this information and to store the language that they chose to view the site. The next time they visit the site we read the cookie and present the same country and language version they used on their last visit. This has the intended benefit that they don’t need to reselect the country site they need each time they visit an AIG site. No Personal Information is collected or used by the cookie.
• Site Catalyst cookie (by Adobe) – This cookie enables us to collect and analyze data about how visitors arrive at our site and then how they interact with our site, including products they may search, content they may view, and the steps leading up to a completed or abandoned sale. We use this aggregated information to adapt our sites to better serve their and other users’ needs and interests, and to provide more relevant and useful information. The cookie is placed on a visitor’s PC on a temporary basis only. The cookie does not collect or use their Personal Information. Instead, it logs an anonymous code which identifies users and this code “follows” the user in their journey through the site. We use the aggregated and anonymous information for statistical analysis.
• DoubleClick cookies- We place a tracking pixel cookie on to all site visitors’ computers, for the purpose of our banner advertising activity. We use these cookies to know that a visitor has been on our site before which allows us to display an appropriate banner ad on to an affiliated network website. No Personal Information is collected. One of the advertisement companies that we use is Google, Inc, trading as DoubleClick. For more information on the DoubleClick cookie, or to opt out from the DoubleClick advertisement cookie please visit: http://www.google.com/privacy/ads/.
• Affiliate cookie – We use a tracking pixel cookie, which is put on a visitor’s PC and collects only the transaction ID (which identifies the any affiliated website the visitor has come from) and a time and date stamp. This enables our affiliate network partners to track affiliated sales and ensure an affiliate is credited for a sale referred to us. It does not involve any passing of Personal Information.
• Optimost cookie – Optimost is a service provided by Hewlett-Packard to analyse customer behavior when visiting our site. This service allows us to test variations of our website pages or elements within the pages. The tests will usually result in improvements to the website and the user experience. The cookie has an anonymous “visitor ID” which is a random number generated to identify a visitor, to distinguish between unique and/or repeat visitors. These cookies do not collect Personal Information. To view the Optimost privacy policy, please visit: https://asp.optimost.com/avatar/privacy-policy
• Oracle Cookie - We use the services of www.oracle.com to serve a persistent cookie on visitors’ browsers when they first visit our web pages, unless there is already an Oracle cookie on their browser because they have visited a non-AIG site which is also using Oracle’s services. However, visitors’ browsing activity on our web pages will not be combined with visitors’ browsing behaviour on other websites using Oracle’s services. We use visitors’ browsing activity on our web pages to understand which pages and content our visitors use or do not use so that we can monitor our site content to best meet our visitors' needs. For further information please read the Oracle privacy policy.

You can refuse to accept the cookies we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products.

• Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be used in connection with some AIG Electronic Services and HTML-formatted e-mail messages to, among other things, track the actions of users of the AIG Electronic Services and e-mail recipients, measure the success of our marketing campaigns and compile statistics about usage of the AIG Electronic Services and response rates.
• Physical Location: Subject to applicable law, we may collect the physical location of your electronic device by, for example, using satellite, mobile/cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. Subject to your marketing preferences as indicated to us or applicable law, we may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content.
• From you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.
• By aggregating information: We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of our users who have a particular telephone area code).

Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the “Other Information We Collect” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which AIG Electronic Services link.  The inclusion of a link on AIG Electronic Services does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the information security practices) of other organizations, such as Facebook®, Twitter®, Apple®, Google®, Microsoft®, RIM/Blackberry® or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or electronic device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the AIG Electronic Services.

AIG Electronic Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Data through AIG Electronic Services. 

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.  We will place updates on our website. Please take a look at the “LAST UPDATED” date at the top of this Privacy Policy to see when it was last revised ; any change will be effective immediately upon being posted on this Site.