Introduction

 

This privacy policy (the “Privacy Policy”) describes the types of information Surety SG Pte. Ltd. and its” Platform”). This Privacy Policy also describes our practices for collecting, using, maintaining, protecting, and disclosing that information. This Privacy Policy does not apply to any website or application operated by third parties. Use of the Platform is governed by this Privacy Policy and our Terms of Use. This Privacy Policy is incorporated into our Terms of Use. All capitalised terms used in this Privacy Policy but not defined herein have the meanings assigned to them in the terms of Use. By accessing or using the Platform, you acknowledge that you have read, understood and agreed to be legally bound by and comply with this Privacy Policy and our Terms of Use. If any term in this Privacy Policy is unacceptable to you, please do not use the Platform or provide any Personal Information. This Privacy Policy may change from time to time (see Revisions to Our Privacy Policy below) and your use of the Platform after we make changes is deemed to be acceptance of those changes, so please check this Privacy Policy periodically for updates.

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This Privacy Policy does not apply to information collected by us offline or through any other means, or by any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Platform. Also, you may be subject to different privacy policies or terms of service for other websites or applications.

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Surety is committed to protecting your privacy. We provide this Privacy Policy to explain the type of information we collect and to inform you of the specific practices and guidelines that protect the security and confidentiality of personal information, including protected health information (“PHI”) that individually identifies you or others and that is subject to the Personal Data Protection Act 2012 (PDPA).

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Information We Collect About You and How We Collect It

 

Information About You and Your Health Care Treatment and Payment

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We collect several types of information from and about users of our Platform, including:

• Information by which you may be personally identified, such as name, mailing address, email address, telephone number and account information, billing and collection information that you provide to us, information related to your eligibility, or any other information collected on the Platform that is defined as personally identifiable information under applicable law (“Personal Information”).

• Clinical or patient information or data, including PHI or other health-related information. This includes information collected in connection with your use of the Platform that may be necessary for you to receive health care services, including previous doctors, applicable clinical history and condition, blood pressure reading and other clinical and health information, and any other information exchanged in emails, texts, chats or calls between you and Surety or the medical providers and their professional entities.

• Information about your Internet connection, the equipment you use to access our Platform, and usage details.

• Information about you that does not identify you individually, such as whether you are a current user, product interests, location or demographics, or information related to your inquiry or request.

• Other information we specifically request.

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We collect this information

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• Directly from you when you provide it to us.

• Automatically as you navigate through the Platform (eg, usage details, IP address, and information collected through cookies, web beacons, and other tracking technologies).

• From third party intermediaries, for example, the physicians, medical professionals, and pharmacies with whom we partner to provide you with services.

 

Information You Give to Us

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The information we collect on or through our Platform may include:

• Information that we collect when you browse our website or download the mobile application. Even without creating an account, we still collect from you some of the information described in the “Information We Collect About You and How We Collect It” section.

• Information that you provide on our Platform, including information provided when you sign in or register for an account for the Platform or for services provided by one of our affiliates or through communications with you through the Platform or as a result of any health care services.

• Information to process or respond to your inquiries related to requests for treatment, payment, customer service; and when you provide feedback on our Platform, including payment processing information that includes billing information, such as a name, address, email address, and payment card information. When you provide or update your payment processing information, we transmit the payment via an encrypted connection to a third-party credit card processor.

• Records and copies of your correspondence (including email addresses) if you contact us, such as when you report a problem with our Platform or other services.

• Information that you provide for display or posting on the Platform, including information provided in social media, blogs and testimonials. If you provide a testimonial or blog, your first name and last initial will be posted along with the testimonial or blog.

• Please remember that blogs and testimonials are located in the public areas of our Platform. Do not provide information for display or posing on the Platform that you would not want others to save or share.

• Your search queries on the Platform.

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Information We Collect About You

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• As with many other websites and applications, as you navigate through and interact with our Platform, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Platform, including traffic data, location data, logs, language, date and time of access, frequency, and other communication data and the resources that you access and use on the Platform.

• Information about your computer and Internet connection, including your IP address, operating system, host domain, and browser type.

• Details of referring websites (URL). We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioural tracking).

• The information we collect automatically includes statistical data and may also include Personal Information. We may also maintain it or associate it with Personal Information you provide to us or that we collect in other ways or receive from third parties. It helps us to improve our Platform and to deliver a better and more personalised service, including by enabling us to:

• Estimate how individuals access and use our Platform.

• Store information about your preferences.

• Speed ​​up your searches.

• Recognise you when you return to our Platform.

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As with many other websites and applications, our Platform may use “cookies” or other technologies to help us deliver specific content to your interests, to process your requests, and/or to analyse your visiting patterns. We may collect the following types of information about your visit including: the domain from which you access the Internet; IP address; operating system and information about the device or browser used when visiting the Platform; date and time of your visit; content you visited; general location; and website (such as google.com or bing.com) and website referral source (email notice or social media site) that connected you to the Platform. Our Platform uses two types of cookies: single-session (temporary) and multi-session (persistent). Temporary cookies last only as long as your web browser is open, and are used for technical purposes such as enabling better navigation through our Platform. Once you close your browser, the cookie disappears. Persistent cookies are stored on your computer for longer periods and are used for purposes including tracking the number of unique visitors to our Platform and information such as the number of views a page gets, how much time a user spends on a page, and other pertinent web statistics. Cookies, by themselves, will not be used by Surety to disclose your individual identity. This information identifies your browser, but not you, to our servers when you use the Platform. We do not respond to “do not track” signals in your browser. We may also collect data by using “pixel tags,” “web beacons,” “clear GIFs” or similar means (collectively, “pixel tags”) that allow us to know when you visit our Platform.

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Information We Receive From Other Sources

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This is information we receive about you if you use any of the other websites we operate or other services we provide. We sometimes work with third parties and they sometimes provide information about you. We obtain information from such third parties with whom we work to provide you with certain services (including, for example, sub-contractors, analytics providers, advertising networks, and search information providers, or third parties who share your information to provide your health care services, such as a medical provider including your information when they message or communicate with other medical providers or Surety).

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In addition, we may use third-party providers to serve or track interactions on other websites. You may link to or access our Platform using other third-party websites. Use of such third-party websites is subject to the terms of service and privacy policies of those third parties. Surety does not control the use of this technology or the resulting information and is not responsible for any actions or policies of such third parties.

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We may combine information we receive from other sources with information you give to us and information we collect about you. Depending on the types of information received, we will use the information received from other sources or the combined information for the purposes described in

 

How We Use Your Information

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How To Request Deletion of Your Personal Information

 

You may request that we delete the personal information that we have collected and/or maintained about you. To do so, please email us at contact@suretysg.com

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Please note that we may need to retain certain personal information as permitted by law, such as to complete the transaction for which the personal information was collected, maintain an electronic medical record for a Medical Group or Provider, provide a requested good or service, detect Security incidents, protect against malicious, deceptive, fraudulent or illegal activities, comply with legal obligations or to enable internal uses that are reasonably aligned with your expectations or lawful within the context in which you provided the information.

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We reserve the right to charge a fee where permitted by law, for instance, if your request is manifestly unfounded or excessive. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before doing your request.

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How We Use Your Information

 

We may use information collected about you, including Personal Information, in the following ways:

• To complete any registration or other transactions or actions you request online, such as payment processing, including determining eligibility, use, and other benefits.

• For treatment, payment, or health care operations purposes.

• To facilitate the processing, packing and delivery of any transactions or orders you request from us, including order and delivery notifications.

• To communicate with you about our health care services and information, products, and services that you request from us (which may include telephone, voicemail, email, SMS/text messages, or notifications within the Platform).

• To contact you if you receive health care services resulting from your use of the Platform.

• To administer your account, including processing your payments and fulfilling your orders if you receive health care services resulting from your use of the Platform.

• To operate the Platform and perform any services associated with the Platform, including providing you with technical support and to improve the Platform and our products and services.

• To provide you with information that you have requested or to respond to your inquiries.

• To create de-identified information that cannot be used to personally identify you, such as aggregate statistics relating to the use of our service.

• To measure or understand the effectiveness of communications (including advertising) that we send to you and others, and to deliver relevant communications to you and to provide you with communications from Surety, surveys, newsletters, and other information.

• To provide you with reminders or updates on our products, unless you have indicated that you do not wish to receive such communication.

• To better understand our audience.

• To enhance the safety and security or performance of our products and services. This includes verifying your identity, preventing or detecting fraud or other unauthorised or illegal activities.

• To design, develop, and communicate with you about our new features, products, and services, or, subject to any consents or authorisations that are required by applicable law, those of our subsidiaries, affiliates, and parent companies and any of their related businesses and those of our third-party partners.

• To notify you about changes to our services or the Platform.

• To enforce this Privacy Policy and any other terms that you have agreed to, including to protect the rights, property, or safety of us or any other person, or the copyright-protected content of the Platform.

• For any purpose where you have given your consent (where legally required).

• To comply with applicable laws and regulations

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The above may be achieved through various means of communication including but not limited to telephone, voicemail, email, SMS/text messages, messages via direct messaging platforms such as WhatsApp, Telegram or Viber, messages via social media platforms such as Facebook, Instagram or TikTok, and notifications within the Platform, including the mobile app.

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Disclosure of Your Information

 

We may disclose Personal Information that we collect or you provide as described in this Privacy Policy as follows:

• For treatment, payment, or health care operations purposes.

• To anyone authorised under this Privacy Policy or pursuant to any other consent or authorisation that you may provide.

• To service providers that assist us in the maintenance, improvement, and optimisation of our Platform, such as service providers that help us run and maintain the technology and security infrastructure that support our Platform or that provide services such as email delivery, auditing and similar services .

• To medical providers, including without limitation, physicians, health care and organisations, pharmacies facilities, and laboratories, that provide any services to you, including medical providers with whom you communicate and/or medical providers who review your information in providing health care services to you. You acknowledge and agree that when medical providers provide services to you, the medical providers and all personnel of their professional entities may see any information you provide.

• To Surety's and its affiliated professional entities' employees, or other third parties who provide services to Surety or an affiliated professional entity.

• To our affiliates and their employees, including for the purpose of posting information or notifications about health care services in your account.

• To fulfil the purpose for which you provide it. For example, if you sign up for certain services, we may share your information in order to provide those services.

• To third-party credit card processors via an encrypted connection so that they can process any payments by you.

• To third-party service providers to the extent necessary to facilitate the packing, processing and delivery of your order.

• To any third parties we believe necessary or appropriate to comply with applicable laws.

• For any other purpose disclosed by us when you provide the information or with your consent.

• If we are under a duty to disclose or share your personal information in order to comply with applicable law.

• If we are under a duty to disclose or share your Personal Information to comply with any legal obligations, or in order to enforce or apply our terms of Use and other agreements; or to protect the rights, property, or safety of Surety, our customers, or others. This may include exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

• With respect to de-identified information, for any purpose without restriction.

• In the event of a sale, merger, consolidation, change in control, transfer of substantial assets, reorganisation, or liquidation, we may transfer, sell, or assign to third parties information concerning your relationship with us, including, without limitation, Personal Information that you provide and other information concerning your relationship with us.

• For any purpose related to our use of information as set forth in Section III.

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Choices About How We Use and Disclose Your Information

 

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of our Platform may then be inaccessible or may not function properly.

• Do Not Track. We do not currently respond to “do not track” signals as we do not track our users across third-party websites.

• Promotional Offers from Surety, its affiliates, or third party partners. If you do not wish to have your contact information used by Surety to promote our own products or services, you can unsubscribe by going to your Surety account, click preferences, and click off for the communications that you do not wish to receive. If you are receiving email from Surety but do not have an account, you can unsubscribe at the bottom of the email. If you are not able to unsubscribe online through one of those methods please contact us and we can handle your request. You can also always exercise your right to ask us not to process your Personal Information for marketing purposes by contacting us at the address below. If we have sent you a promotional email, you may unsubscribe by clicking in the unsubscribe link at the bottom of the email.

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Data Security

 

We have implemented measures designed to reasonably secure your personal information from accidental loss and from unauthorised access, use, alteration, and disclosure.

 

Where we have given you (or where you have decided) a password which enables you to access certain parts of our Platform, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. The information you share in public areas may be viewed by any user of the Platform.

 

Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, we cannot guarantee the security of your data transmitted to our Platform; Any transmission is at your own risk.

When you use our Platform there is a risk that your PHI will be stored unencrypted on your mobile device. We take a variety of technical safeguards to make sure that your PHI does not leak onto your mobile device but we cannot guarantee that these safeguards work.

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Third-Party Platforms

 

Our Platform may contain links or references to other websites outside of our control. Please be aware that this Privacy Policy does not apply to these websites. Surety encourages you to read the privacy statements and terms and conditions of linked or referenced websites you enter. These third-party websites may send their own cookies and other tracking devices to you, log your IP address, and otherwise collect data or solicit Personal Information.

SURETY DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR WHAT THIRD PARTIES DO IN CONNECTION WITH THEIR WEBSITES, OR HOW THEY HANDLE YOUR PERSONAL INFORMATION. PLEASE EXERCISE CAUTION AND CONSULT THE PRIVACY POLICIES POSTED ON EACH THIRD-PARTY WEBSITE FOR FURTHER INFORMATION.

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No Services to Minors Under The Age of 18

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Revisions to Our Privacy Policy

 

We reserve the right to change this Privacy Policy at any time. It is our policy to post any changes we make to our Privacy Policy on this page. The date this Privacy Policy was last modified is identified at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically monitoring and reviewing any updates to the Privacy Policy. Your continued use of our Platform after such amendments will be deemed your acknowledgement of these changes to this Privacy Policy.

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Contact Information

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If you have any questions or concerns, please us the contact form below, or reach us at contact@suretysg,com