Chubb Life

Privacy Notice

We respect your privacy and want you to understand the ways in which Chubb Insurance Singapore Limited (“Chubb”) collects and uses information provided online.

This Online Privacy Policy applies to www.chubb.com/sg and other websites or mobile applications that link this Policy (the “Online Services”). It does not apply to any non-Chubb websites or mobile applications that you may access via the Online Services. Such services are governed by the privacy policies appearing on those sites and applications. Depending on your relationship with us, you may receive other privacy notices from us providing additional details about our privacy practices.

How We Collect Personal and Non-Personal Information through the Online Services

We collect two kinds of information through the Online Services: non-personal information and personal information.

The non-personal information we collect includes: the visitor’s browser type, device type, and operating system: area(s) of the Online Services visited; data and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).

We also collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests or other information that you choose to provide to us, but only when you voluntarily provide it. If you apply for a job online, we may collect personal information about your work and educational history, etc. In addition, certain of the Online Services may collect precise information about the location of your mobile device but only with your express consent. Once you have consented to the collection of the precise location of your mobile device, you may adjust this consent by managing your location services preferences through the settings of your mobile device.

How We Use Your Information

We may use the information we collect through the Online Services for a number of purposes, including:

  • to provide you with, renew or modify products and services;
  • to provide you with the information and documents you request and for other customer service purposes;
  • to produce claims;
  • to provide you with information about the Online Services or required notices;
  • to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
  • to improve the services we provide and the usefulness of the Online Services;
  • to customise your experience when using the Online Services;
  • to comply with applicable laws;
  • to perform research; and
  • to prevent and detect fraud, infringement and other potential misuse.

We may also anonymise, combine, on aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analysing usage statistics and trends.

If you provide us with personal information, we will not sell, license, transmit or disclose this information outside of Chubb unless: (1) you give, or are deemed to give, consent to the collection, use or disclosure of your personal information; (2) it is necessary for the purposes as described in the Purpose Statement; (3) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring of all or part of our business; or (4) it is otherwise required or authorised under the Personal Data Protection Act (“PDPA”) or written law.

How We Collect, Use and Protect Your Personal Identification Numbers

Chubb may collect National Registration Identity Card (“NRIC”) number, Foreign Identification Number (“FIN”), Work Permit number, Birth Certification number, Passport number (collectively “Personal Identification Numbers (“PINs”)”) in the course of our business. We strive to protect the confidentiality and security of the PINs in our possession, custody or control by (i) limiting access to PINs; and (ii) maintaining reasonable administrative, technical and physical safeguards to protect against the loss, misuse or unlawful disclosure of PINs.

How We Use “Cookies” and Other Data Collection Tools

Cookies. Chubb may place electronic “cookies” in the browser files of your computer or mobile device when you access a Chubb website. Cookies are pieces of information that a Chubb website transfers to your computer or mobile device to enable our systems to recognise your browser and to tailor the information on our websites to your interests. For example, if you previously visited a Chubb website and accessed your account information or inquired about particular services over the website, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the website. Moreover, Chubb or its third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience. We also use cookies to analyse visitors’ use of our websites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly. Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from Chubb websites and apps and elsewhere on the internet and use that information to provide measurement services and target advertisements to you.

Why are Cookies Important for the Use of Chubb Websites?

We use cookies to improve the functionality of this website and to track information about how the website is used in order to continually improve it and personalise it to user references. In particular:

  1. Cookies enable an individually tailored use of the websites. Some functions on our websites cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the website.
  2. We are unable to monitor visitor numbers for our website without cookies. Security and fraud risks on our site increase without this information, which is something we wish to avoid.
  3. Cookies allow us to check how users access and navigate our site. This is very important in order to make the website better and more user-friendly.

Please note that cookies can only read the identification number created by the random generator on your computer and can only retrieve information that is directly related to the Chubb website.

Security of Internet Communications

The Internet is not a secure medium. We employ reasonable administrative, technical and physical safeguards designed to protect personal information. When you enter sensitive information (such as a credit number or NRIC number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. Unfortunately, no method of transmitting or storing data can be guaranteed to be secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to Chubb over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.

We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.

Blogs and Other Interactive Features

We may offer blogs, online forums or other interactive features on the Online Services that enable you to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, by submitting or posting to such interactive features you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such features, whether or not it contains personal information about you.

Links to Other Sites

For your convenience, we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such web sites, please be sure to carefully review the web site’s privacy policy.

We are not responsible for the collection, usage, and disclosure policies and practices (including the data security practices) of other organisations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.

Consent

By using the Online Services, you signify your consent to this Online Privacy Policy and this site’s Terms of use. If you do not agree to this policy or the site’s Terms of use, please do not use the Online Services.