At GEM, we recognise that your privacy is important and we are committed to maintaining the confidentiality of the personal information that you give us through this website.
Pursuant to the Companies Act of Singapore, Life Insurance Association of Singapore guidelines and practices, and Financial Advisers Act and Financial Advisers Regulations together with their guidelines and notices from time to time issued by the Monetary Authority of Singapore, we are required to collect sufficient information to ensure appropriate advice can be given in respect of recommendations made to our clients. If you elect not to provide us with the personal information you may be exposed to higher risks in respect of the recommendations made to you and this may affect the adequacy or appropriateness of advice given to you.
We endeavour to take reasonable steps to protect the information we retain from misuse, loss and from unauthorised access, modification or disclosure. We will not retain any of your information for any longer than it is required by us, except to satisfy legal requirements.
We may use and disclose personal information for the purposes for which it was provided or secondary purposes in circumstances where you would reasonably expect such use or disclosure.
We may disclose personal information to third parties or external contractors carrying out functions and duties for and on behalf of GEM. It is a condition of our agreement with each of our external contractors that they adopt and adhere to this privacy policy.
The information we collect from you may also be disclosed to third parties if the disclosure is required by or permitted by law, or pursuant to the direction of the Monetary Authority of Singapore.
In the event that we propose to sell our business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is affected, we may transfer your personal information to the purchaser of the business. As a client, you will be advised of any such transfer.
In some circumstances, we are required to collect government identifiers, for example, your Identity Card Number. We will not use or disclose this information other than when required to do so by law or, when consented to by you.
You may deal with us anonymously where it is lawful, practicable and reasonable to do so.
We will not collect sensitive information about you, without your consent. Exceptions to this include where the information is required by law, or for the establishment, exercise or defence of a legal claim.
Click here for more information on our Personal Data Protection Policy.
At GEM, the security and confidentiality of your personal data is of paramount importance. This means that any cookies used on our sites will not contain personally identifiable information about you. However, we do use cookies on our websites to help make your visits more effective, so we’d like to explain more about how and why we use them.
Cookies are small text files placed on your computer by websites or sometimes by emails. They allow you to use the site more efficiently and save time by not having to re-enter your details each time you visit. They also make sure you receive the most relevant information from GEM. For us, cookies help us to analyse how our customers interact with our sites so we can make improvements. Some cookies are essential, and some are not.
Certain cookies are necessary in order for you to use our websites, such as maintaining log in details for the session or a transaction. These are used only for the duration of each visit, and they expire when you leave the site. They’re not stored on your computer and they don’t contain any personal data. You can delete them via your browser if you wish to, but this will restrict the functions that you’re able to carry out on our sites. Session and Tracking cookies are commonly used, you can visit the About cookies website for more information.
These cookies make it quicker and easier for you to access sites on subsequent visits that use Flash technology. Deleting them means you may have to re-enter information each time you visit the same site. But just like any cookie, you can delete Flash cookies by going to the Settings Manager for your Adobe Flash Player. You will be taken to the Adobe website, which lists the websites with the cookies in your browser. Just click Delete opposite the relevant website.
These cookies are usually supplied by our business partners. We use some non-essential cookies for analytical and marketing purposes.
Provided by our online advertising suppliers, these cookies are used to serve our internet advertisements on other sites. Some of our web pages may contain electronic images that help us see how users interact on these pages. They may also provide our online advertisers with information about the interaction.
From time to time GEM uses certain web analytics tools. These web analytics services enable us to recognise repeat visitors to the site. By matching an anonymous, randomly generated identifier, we’re able to record specific browsing information such as how you arrive at the site, the pages you view, and the path you take through the site. By monitoring this information we’re able to make improvements to our sites.
By using our websites, you agree that we can place both essential and non-essential cookies on your device. At any time, you can block any cookies from any website through your browser settings. Do take note that if you share the use of a computer, accepting or rejecting the use of cookies will affect all users of that computer.
