Privacy Policy

We hope the following statement will help you understand how collects, uses and safeguards your personal information on our Web site.

Information Collection

What Happens When You Are Browsing?

If you are not registered for any online service from, you browse anonymously. We do not collect personal information — such as your name, address, phone number or E-mail address — if you are only browsing this site. does, however, use “cookies to collect information about how our site is used. Information, such as the server your computer is logged onto, your browser type (for example, Mozilla Firefox or Internet Explorer), and whether you responded to a banner ad or E-mail is collected and tracked in aggregate and not linked to you personally. We use this information to measure response rates to banner ads and E-mail offers.

What Happens When You Give Information To Us?

Registration for Online Services

If you want to apply for or take advantage of our online products or services, we will need you to give us some personal information, including your E-mail address. We only collect information about you which we need to process your application, to service your accounts and other needs, to offer new products and services, and to satisfy legal requirements. We will also use this information for purposes such as correspondence, site registration, allowing you to check your statement or other account details online, to make a purchase, or to participate in online surveys etc. We will also share such information with our affiliates and others for the purposes described elsewhere in this Statement.

Quality of Information

We use advanced technology, documented employee procedures and internal monitoring to help ensure that your personal information is accurate and up-to-date.

Information Use

We use your information to process your application or to provide the products and services you have requested.

What Else Do We Do With Information We Obtain?

We may also use your information to measure consumer interest in our services and inform you about other products and services. For example, if we obtain your E-mail address we may use it to send you offers we think you might be interested in. These offers may be based on information you provided in your initial transaction with us, or surveys, from information that may indicate purchasing preferences and lifestyle, as well as information lawfully available from other organisations. These E-mail offers come directly from

When we send you E-mails, we may be able to identify information about your E-mail address, such as whether you can read graphic-rich html E-mails. If your E-mail address is html-enabled, we may choose to send you graphic-rich html E-mails.

Declining Offers by E-Mail

What Do I Need To Do If I Do Not Want To Receive E-mail Offers?

We hope that many customers will appreciate receiving details of these carefully designed opportunities. However, we clearly recognise the importance of providing you with the choices by giving you an easy means to “Opt Out” from receiving E-mail offers. You can “Opt Out” at any time by clicking on the replying to us through the email.

Disclosure of Information Policies

Do We Share Information About You? has had a long-standing commitment to protecting personal information of our customers and prospective customers. This section explains how we share your personal information with others.

Our Business Partners

We may send you offers by E-mail or other direct marketing methods about products and services offered by our business partners. When we do this, we keep control over your information, which is not disclosed to our business partners unless you have expressly authorised us to do so or you take advantage of their offer.

IMPORTANT NOTE : Please note that we do not give your E-mail address to our business partners.

Please keep in mind that if you take advantage of an offer from an business partner and become their customer, they may independently wish to send offers to you. In this case, you will need to inform them separately if you do not wish to receive future offers from them.

In all cases our goal is to deliver offers to people who we believe will find them of value. Our communications are developed and managed under strict conditions designed to safeguard the security and privacy of customer personal information.

Google, as a third party vendor, uses cookies to serve ads on your site. Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

Other Disclosure of Information

In all other cases, we will not disclose your personal information unless you have been previously informed or have authorised us to so do, or if we are required to do so by law. If an order of a court or government authority requires us to disclose information about you, we will do our best to notify you of this promptly, to give you an opportunity to exercise your legal rights. The only exceptions to this policy are when the order or law prohibits us from notifying you or when there is suspicion of fraud or criminal activity. We will not use any medical information for marketing purposes.

How Long Do We Keep Information

We will keep information for as long as it is necessary to service your account or to continue to provide products and services you have requested. We will retain information for a reasonable period if you cease to be our customer, unless the law requires us to keep it for longer.

Your Rights of Access and Correction

You can contact us at any time if you would like details of any personal information we may hold about you or if you would like us to correct it.

Linked Internet Sites

You should be aware that other Internet sites to which you link from may contain privacy provisions that differ from this Internet Privacy Statement.

Changes to the Internet Privacy Statement – Singapore

We will use this space to note changes to our Internet Privacy Statement, to keep you fully informed about how we protect your privacy and your choices about our use of your personal information for marketing.

Description: This section was updated to address more specifically what information we do and do not collect, and to more fully explain the combination of online and offline information for registered users of online services.