1.1 This Policy statement provides information on the obligations and policies of PERA in respect of an individual customer’s Personal Data. PERA undertakes to use reasonable efforts in applying, where practicable, those principles and the processes set out herein to its operations.
1.2 PERA’s officers, management, and members of staff shall use reasonable endeavours to respect the confidentiality of and keep safe any and all Personal Data collected and/or stored and/or disclosed and/or used for, or on behalf of, PERA. PERA shall use reasonable endeavours to ensure that all collection and/or storage and/or disclosure and/or usage of Personal Data by PERA shall be done in an appropriate manner and in accordance with the Act and this Policy.
1.3 By interacting with us, submitting information to us, or signing up for any products or services offered by us, you agree and consent to PERA as well as to its respective representatives and/or agents ("Representatives") (collectively referred to herein as " PERA ", "us", "we" or "our") collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to PERA’s authorised service providers and relevant third parties in the manner set forth in this Privacy Statement.
1.4 This Policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and your consents herein are additional to any rights which we may have at law to collect, use or disclose your Personal Data.
1.5 For the purposes of this Policy, in line with the provisions under the Singapore Personal Data Protection Act 2012 (No. 26 of 2012) (the “Act”), “Personal Data” shall mean data, whether true or not, about an individual customer who can be identified — from that data; or from that data and other information which an organisation has or is likely to have access. Such Personal Data shall also refer to that which is already in the possession of PERA or that which shall be collected by PERA in future.
2. Contacting the Data Protection Officer
2.1 Where you legitimately request access to and/or correction of Personal Data relating to you, such Personal Data which is in the possession and control of PERA, PERA shall provide and/or correct that data within 30 days and in a manner in accordance with its standard procedures as stated hereinafter.
2.2 In accordance with the Act, PERA has established a process for receiving and responding to any query or complaint that may arise with respect to the application of this Act. To ensure that PERA receives your complaints and enquiries, please send the same via email to the Data Protection Officer (the “DPO”) of PERA at the following email address: email@example.com
2.3 Please note that if your personal data has been provided to us by a third party (e.g. a member via a referral process), you should contact that individual to make such queries, complaints, and access and correction requests to PERA on your behalf.
2.4 Should you not wish PERA to use your Personal Data for any of the purposes listed in Clauses 3.2 to 3.4, or not to receive promotional materials from PERA, you may opt out by sending a clearly worded email to the DPO via the email address provided in Clause 2.2. Your request shall be processed within 30 days. Please note however that this may affect our ability to attend to your needs in the event where there is already an existing business relationship.
3. Statement of Practices
Types of Personal Data Collected:
3.1 As part of its day-to day activity, PERA may collect from you, through various means, including via our websites, smart phone applications, marketing events such as events, road shows and any forms used by PERA from time to time, some or all of the following Personal Data:
Purpose of Collection of Personal Data
3.2 The above Personal Data mentioned in Clause 3.1 is collected for the purposes of:
Disclosure of Personal Data
3.3 In order to carry out the functions described above, PERA may, from time to time, disclose your Personal Data between PERA’s companies.
3.4 Without derogating from any of the above, PERA may also disclose your Personal Data to the following third parties:
3.5 PERA may disclose your Personal Data to the abovementioned parties also in the occurrence of any of the following events:
Optional Provision of Personal Data
3.6 In some instances, you may also be requested to provide certain Personal Data that may be used to further improve PERA’s products and services and/or better tailor the type of information presented to you. In most cases, this type of data is optional although, where the requested service is a personalised service, or provision of a product or dependent on your providing all requested data, failure to provide the requested data may prevent PERA from providing the service to you. This type of data includes, but is not limited to:
3.7 Under certain circumstances, telephone calls made to any of PERA’s companies to order and/or service hotlines and/or inquiry telephone numbers are recorded for the purposes of quality control, appraisal, as well as staff management and development. In such an event, by agreeing to this Policy, you hereby give your consent for the collection, use and disclosure of such Personal Data for the purposes of our records, following up with your enquiry and/or transaction, and for quality control and training purposes.
4. Transfer of Personal Data Overseas
Your Personal Data may be processed by PERA, its affiliates, agents and third parties providing services to PERA, in jurisdictions outside of Singapore. In this event PERA will comply with the terms of the Act.
5. Accuracy of Personal Data
Where possible, PERA will validate data provided using generally accepted practices and guidelines. This includes the use of check sum verification on some numeric fields such as account numbers or credit card numbers. In some instances, PERA is able to validate the data provided against pre-existing data held by PERA. In some cases, PERA is required to see original documentation before we may use the Personal Data such as with Personal Identifiers and/or proof of address. To assist in ensuring the accuracy of your Personal Data in the possession of PERA, please inform us of any updates of any parts of your Personal Data by sending a clearly worded email to the DPO at the email address provided at Section 2.2.
6. Protection of Personal Data
PERA uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Personal Data and will not knowingly allow access to this data to anyone outside PERA, other than to you or as described in this Policy. However, PERA cannot ensure or warrant the security of any information you transmit to PERA and you do so entirely at your own risk. In particular, PERA does not warrant that such information may not be accessed, altered, collected, copied, destroyed, disposed of, disclosed or modified by breach of any of PERA’s physical, technical, or managerial safeguards.
7. Access and Correction of Personal Data
7.1 In accordance with Clause 2.1 of this Policy, you have the right to:
a) check whether PERA holds any Personal Data relating to you and, if so, obtain copies of such data; and
b) require PERA to correct any Personal Data relating to you which is inaccurate for the purpose for which it is being used.
7.2 PERA reserves the right to charge a reasonable administrative fee in order to meet your requests under Clause 7.1(a). Upon payment of the requisite fee under Clause 7.1(a) and/or receipt of your request under Clause 7.1(b), your request shall be processed within 30 days.
7.3 If you wish to verify the details you have submitted to PERA or if you wish to check on the manner in which PERA uses and processes your personal data, PERA’s security procedures mean that PERA may request proof of identity before we reveal information. This proof of identity will take the form of full details of name, membership number and NRIC or Passport or Fin number. You must therefore keep this information safe, as you will be responsible for any action that PERA takes in response to a request from someone using your details. We would strongly recommend when you login to your online account in our websites that you do not use the browser's password memory function as that would permit other people using your terminal to access your personal information.
8. Storage and Retention of Personal Data
PERA will delete, as reasonably possible, or otherwise anonymise any Personal Data in the event that the Personal Data is not required for any reasonable business or legal purposes of PERA and where the Personal Data is deleted from PERA’s electronic, manual, and other filing systems in accordance with PERA’s internal procedures and/or other agreements.
9. Contacting you
To the extent that any of the communication means which you have provided PERA with (which may include, your telephone number and fax number) is/will be listed on the Do Not Call Registry (the “DNC”), by checking the box on the consent form, or by any other means of indication, you hereby grant PERA your clear and unambiguous consent to contact you using all of your communication means you have provided to PERA including using via voice calls, SMS, Whatsapp, MMS, fax or other similar communications applications or methods, for the purposes as stated above in Paragraph 3.2. This will ensure your continued enjoyment of PERA’s promotional rates and services
10. Change Policy
PERA reserves the right to alter any of the clauses contained herein in compliance with local legislation, and for any other purpose deemed reasonably necessary by PERA. You should look at these terms regularly. If you do not agree to the modified terms, you should inform us as soon as possible of the terms to which you do not consent. Pending such notice, if there is any inconsistency between these terms and the additional terms, the additional terms will prevail to the extent of the inconsistency.
11. Governing Law
This Policy is governed by and shall be construed in accordance with the laws of Singapore. You hereby submit to the non-exclusive jurisdiction of the Singapore courts.
12.1 This Policy only applies to the collection and use of Personal Data by PERA. It does not cover third party sites to which we provide links, even if such sites are co-branded with our logo. PERA does not share your Personal Data with third party websites. PERA is not responsible for the privacy and conduct practices of these third party websites, so you should read their own privacy policies before disclosure of any Personal Data to these websites.
12.2 PERA will not sell your personal information to any third party without your permission, but we cannot be responsible or held liable for the actions of third party sites which you may have linked or been directed to PERA’s website.
12.3 PERA’s websites do not target and are not intended to attract children under the age of 18 years old. PERA does not knowingly solicit personal information from children under the age of 18 years old or send them requests for personal data.