Personal Data Collection Statement

Income recognises its obligations under the Personal Data Protection Act 2012 (PDPA) which include the
collection, use and disclosure of personal data for the purpose for which an individual has given consent
to.



The personal data collected by Income includes all personal data provided in this form, or in any
supplementary form or any document provided, or to be provided to us by you or your insured persons
or from other sources from time to time including personal data of additional insured persons to be
covered, for the purpose of the insurance application or transaction. It includes all personal data for us
to evaluate or administer the application or transaction. For example, if you are applying for an
insurance policy, in addition to the personal data provided in the application form, the personal data will
also include any subsequent information we collect on health or financial situation, or any information
that is necessary for us to decide whether to insure and on what terms to insure, such as test results,
medical examination results, and health records from medical practitioners or other insurance
companies.



You may not alter any of the wording in this 'Personal data collection statement'. Any attempt to do so
will be of no effect.



1. Purpose of collection

We may collect and use the personal data to:

(a) carry out identity checks;

(b) communicate on purposes relating to an application or policy;

(c) decide whether to insure or continue to insure you and your insured persons;

(d) determine and verify your creditworthiness for the financial and insurance products you apply for;

(e) provide financial advice for product recommendation based on your financial needs analysis;

(f) provide ongoing services and respond to your inquiries or instructions;

(g) make or obtain payments;

(h) investigate and settle claims;

(i) recover any debt owed to us;

(j) detect and prevent fraud, unlawful or improper activities;

(k) conduct research and statistical analysis;

(l) coach employees and monitor for quality assurance;

(m) reinsure risks and for reinsurance administration;

(n) comply with all applicable laws, including reporting to regulatory and industry entities; and

(o) inform you of our philanthropic and charity initiatives, i.e. OrangeAid, including soliciting donations,
acknowledging donations, and facilitating tax exemption.



If you give your consent under Marketing material option, we may also collect and use your personal
data to contact you on our marketing or promotional materials relating to our financial products or
services via telephone calls, text messages, faxes, mails, or emails.



2. Disclosure of personal data

We may disclose personal data belonging to you and your insured persons for the purposes set out in
Section 1 above to these parties:

(a) your financial advisers;

(b) medical professionals and institutions;

(c) insurers and reinsurers;


(d) local or overseas service providers to provide us with services such as courier service, underwriting
survey, printing, mail distribution, data storage, data entry, marketing and research, disaster recovery or
emergency assistance services;

(e) debt collection agencies;

(f) dispute resolution parties;

(g) parties that assist us to investigate, administer and adjudicate claims;

(h) financial institutions;

(i) credit reference agencies;

(j) industry associations; and

(k) regulators, law enforcement and government agencies.



3. Consequence of withdrawing consent to the collection, use and disclosure of personal data

You may refuse or withdraw your consent for us to collect, use or disclose your personal data and your
insured persons' personal data by giving us reasonable notice so long as there are no legal or contractual
restrictions preventing you from doing so. For example, you may withdraw your consent for your
personal data to be used for marketing purposes, and this withdrawal will not affect our ability to
provide you with the products and services that you asked for or have with us. But if you withdraw your
consent for us to use your personal data for your insurance matters, this will affect our ability to provide
you with the products and services that you asked for or have with us, including preventing us from
keeping your insurance cover in force or properly assessing and processing your claim. Withdrawing
such consent will require you to surrender or terminate all your policies with us.



4. Access and correction rights

You can request access to any personal data of yours that we have, and request to know how it is being
used and disclosed for the last 12 months to the extent your right is allowed by law. If we allow you
access, we may charge you a reasonable fee. You also have the right to request correction of your
personal data.



5. Marketing Material Option

Please indicate if you wish to receive marketing or promotional material on Income’s financial products,
and related services, programmes and events, via telephone calls, text messages, faxes, mails, or emails.



If you do not indicate your option, we will follow any existing option you may have indicated previously.



We will use the contact particulars, including any update, you have given to us to contact you.



You may make your request to withdraw your consent, access or correct your personal data by writing
to:

The Data Protection Officer, Income Centre, 75 Bras Basah Road, Singapore 189557



Alternatively, you can email to DPO@income.com.sg
















Declaration and Authorisation

1. I confirm that I understand and agree to the Income Purchase Guard policy conditions.

2. I have not withheld any material information relating to this application. I accept full responsibility for
it.

3. I agree that this application and other written statements, information or declaration I have made or
made on my behalf, will form the basis of the contract of insurance between me and Income.

4. I acknowledge that you will not be legally responsible for any claims until you have accepted this
application and you have received the premium in full.

5. I am aware that I can get advice from a qualified adviser before I sign this application. If I choose not
to, I take full responsibility for making sure that this product is appropriate for my financial needs and
insurance aims.

6. I declare that I am not an undischarged bankrupt and no bankruptcy application (including any
statutory order) or order has been made against me.

7. I confirm that I understand and agree to the 'Personal data collection statement'.



You must give all the facts truthfully when you make this application. If you fail to reveal any material
information in this application, you may not receive any benefits under your policy. If you are in doubt
as to whether a fact is material, you should reveal it anyway. Please check to make sure you are fully
satisfied with the information in this application.