Last Updated: 27 March 2023

To process, administer and/or manage your relationship, account and policy with ECICS Limited (“ECICS”), ECICS will necessarily need to collect, use, disclose and/or process your personal data or personal information about you collected from (i) you in your personal capacity or acting as a personal guarantor, (ii) any person authorized by you, and/or (iii) third parties including Relevant Individuals (defined below).

Such personal data includes:

• information set out in this form and any other personal information provided by you or possessed by ECICS; and/or

• data and information relating to your no-claim discount; and/or

• data and information relating to your claims; and/or

• (where applicable) data relating to your organization’s beneficial owners, partners, directors, officers or authorized signatories, representatives, employees, customers, guarantors, other security providers and any other natural persons related to your organization (collectively the “Relevant Individuals”).

Such personal data will be collected, used, disclosed and/or processed by ECICS for the purpose(s) of :

• processing your application for underwriting and insurance, and considering whether to provide you with the insurance you applied for;

• processing application for underwriting and insurance by a company, organization or entity, in which you have provided a personal guarantee or joint-and-several personal guarantee;

• administering and/or managing your relationship, facility, account, documentation and/or policy with ECICS, whether in your personal capacity or acting as a personal guarantor;

• carrying out due diligence or other screening activities (including identity and background checks) in accordance with legal or regulatory obligations that are required by law or risk management procedures that have been put in place by ECICS;

• conducting checks with the Do No Call Registry administered by the Personal Data Protection Commission, Singapore;

• processing and/or dealing with any claims including the settlement of claims and any necessary investigations relating to claims, under your policy;

• investigating and preventing fraud, misconduct, any unlawful action or omission, whether relating to your application, your claims or any other matter relating to your policy, and whether or not there is any suspicion of the aforementioned;

• recovery of all and any amounts owed or owing to ECICS;

• legal purposes including but not limited to obtaining legal advice and enforcing ECICS’ legal rights;

• carrying out your instructions or responding to any enquiry, feedback or complaints by you;

• reinsurance of risks and reinsurance management;

• facilitating any business assignment, transfer, participation or part thereof in any of ECICS’ rights and obligations in respect of your relationship with ECICS.

• generating financial, regulatory, management, analytical or other related reports;

• conducting market research and statistical analysis;

• complying with any applicable rules, laws, regulations, codes of practices or guidelines, orders or requests issued by any court, legal or regulatory bodies and agencies, both national and international; and

• any other purposes that are reasonably related or similar to any of the above purposes. (collectively the “Purposes”)

• Marketing, advertising and promotional information on products and services that ECICS Limited and its affiliates may offer e.g. via email, mail, sms etc. You understand that you can withdraw your consent anytime by way of written notice to ECICS Limited at [email protected]

• We may/will also be collecting from sources other than yourself, personal data about you, for one or more of the above Purposes,and thereafter using, disclosing and/or processing such personal data for one or more of the above Purposes.

Your personal data collected by ECICS may/will be disclosed to :

• your insurance agents, insurance brokers, other insurance companies or reinsurance companies;

• any related company of ECICS and its director, staff and relevant persons;

• external parties with professional relationship with ECICS including auditors and solicitors;

• local or overseas third party service providers or its agents as such third party service providers or agents whose services would be engaged by ECICS to process your personal data, such as printing, courier, data processing, marketing and research, disaster recovery and others;

• parties engaged by ECICS for assistance in dispute resolution or investigation and adjudication of claims;

• banks and other financial institutions, credit information bureaus, credit rating agencies and debt collection agencies;

• any assignee or transferee of all or any part of the business and/or asset of ECICS or participant or sub-participant of ECICS’ rights or obligations in respect of any of your facility, account or policy;

• any party giving a guarantee or third party security or guarantee or any party connected to your facility, account or policy; and

• local or overseas regulatory, government and law enforcement bodies and persons authorized by such bodies.

By applying for the insurance, you :

• consent to ECICS collecting, using, disclosing and/or processing your personal data for the Purposes as described above;

• consent to ECICS collecting personal data about you from sources other than yourself and using, disclosing and/or processing the same, for one or more of the Purposes as described above;

• consent to ECICS disclosing or transferring your personal data to our third party service providers or agents (whether in Singapore or outside of Singapore), for the Purposes as described above;

• by providing personal data relating to Relevant Individuals and/or a third party (such as your dependents, spouse, children and parents) to ECICS, you represent and warrant to ECICS that the consent of that Relevant Individual or third party has been obtained for the collection, use and disclosure of the personal data for any or all of the purposes set out in this Notice; and

• represent and warrant that you have read and understood the above provisions.