• 65 8685 7496
  • repsinvestfb@repsholdings.com.sg
  • 18 Cross St, #07-01, Singapore 048423

PRIVACY POLICY

PRIVACY POLICY

1. ABOUT THIS PRIVACY POLICY

This Privacy Policy applies to personal data collected by REPs Holdings Pte. Ltd. through our website, communications, enquiries, marketing activities and other business interactions.

For the purposes of this Privacy Policy, “personal data” generally refers to data about an individual who can be identified from that data alone or together with other information to which an organisation has or is likely to have access.

Examples may include your name, contact number, email address, residential or correspondence address and other information that may identify you.

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, applicable laws, regulations or regulatory guidance.

The latest version will be published on this page with the relevant “Last Updated” date.

2. PERSONAL DATA WE MAY COLLECT

Depending on your interaction with us, we may collect different categories of personal data.

2.1 Identification Information

This may include:

  • Full name
  • Preferred name
  • NRIC or other identification information where legitimately required
  • Nationality or residency information where relevant to a particular enquiry or transaction
  • Date of birth where relevant
  • Gender where relevant

We will only request information that is reasonably necessary for the relevant purpose.

This may include:

  • Mobile or telephone number
  • Email address
  • Residential address
  • Mailing address
  • Business address
  • Preferred communication method
  • WhatsApp contact details

When you contact us or submit an enquiry, we may collect information such as:

  • Your enquiry details
  • Your questions and requests
  • Your preferred appointment date and time
  • Records of communications with us
  • Information provided through enquiry forms
  • Information provided during telephone conversations
  • Information contained in emails or other correspondence

Where relevant to an enquiry or transaction, we may collect information that you voluntarily provide relating to your financial objectives or requirements.

This may include:

  • Your intended investment or planning amount
  • Preferred investment or holding period
  • Financial planning objectives
  • Preferred policy maturity period
  • Premium commitment considerations
  • General information about your financial requirements

We will only collect such information where it is reasonably necessary for the relevant purpose and where permitted under applicable laws.

Where you proceed with an enquiry or transaction involving a REPs/TEPs policy, we may collect information relating to the relevant policy or transaction, including:

  • Policy information
  • Policy reference or identification details
  • Policy type
  • Policy maturity information
  • Premium information
  • Benefit information
  • Assignment or transfer information
  • Relevant documentation
  • Transaction records
  • Correspondence relating to the policy

When you visit our website, certain technical information may be collected automatically.

This may include:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Date and time of visit
  • Pages viewed
  • Referring website
  • General website usage information
  • Approximate location information derived from technical data
  • Website interaction information

This information may be collected through cookies, analytics tools and similar technologies.

3. HOW WE COLLECT PERSONAL DATA

We may collect personal data through various channels, including:

Directly from you

For example, when you:

  • submit a contact form;
  • request information;
  • contact us by telephone;
  • email us;
  • communicate through WhatsApp;
  • register for an event;
  • subscribe to updates;
  • request information about available policies; or
  • provide documents or information to us.

Through our website

Information may be collected when you:

  • browse our website;
  • submit an enquiry;
  • download documents;
  • interact with website forms;
  • subscribe to communications; or
  • interact with website content.

From third parties

Where permitted by applicable laws, we may receive personal data from:

  • business partners;
  • service providers;
  • professional advisers;
  • insurers or relevant policy parties;
  • authorised representatives;
  • event organisers;
  • marketing partners; or
  • other parties where you have authorised such disclosure or where disclosure is otherwise permitted by law.

4. PURPOSES FOR COLLECTING, USING AND DISCLOSING PERSONAL DATA

We may collect, use and disclose your personal data for purposes that are reasonably appropriate in the circumstances.

These purposes may include:

4.1 Responding to Enquiries

We may use your personal data to:

  • respond to your enquiries;
  • provide information about REPs/TEPs;
  • arrange consultations;
  • arrange appointments;
  • provide requested documents;
  • answer questions about available policies; and
  • communicate with you regarding your enquiry.

Where you engage our services, we may use your personal data to:

  • understand your requirements;
  • provide relevant information;
  • facilitate administrative processes;
  • manage your relationship with us;
  • process relevant documentation;
  • facilitate policy-related processes;
  • maintain transaction records; and
  • provide ongoing support.

We may use your personal data to:

  • contact you regarding your enquiry;
  • provide updates;
  • respond to requests;
  • schedule appointments;
  • provide customer support;
  • clarify information;
  • communicate administrative matters; and
  • maintain records of our communications.

Where permitted under applicable laws and where we have the appropriate consent or other lawful basis, we may use your personal data to send:

  • newsletters;
  • educational materials;
  • company updates;
  • REPs/TEPs information;
  • policy updates;
  • invitations to seminars or events;
  • promotional information; and
  • other information that may be relevant to your interests.

You may opt out of receiving marketing communications at any time by contacting us or using the unsubscribe mechanism provided in the relevant communication.

We may use technical and usage information to:

  • understand how visitors use our website;
  • monitor website performance;
  • improve website functionality;
  • improve user experience;
  • identify technical problems;
  • analyse website traffic;
  • measure marketing performance; and
  • develop and improve our services.

We may process personal data for purposes including:

  • protecting our website and systems;
  • preventing unauthorised access;
  • detecting suspicious activity;
  • investigating security incidents;
  • preventing fraud or misuse;
  • maintaining records; and
  • protecting our business, clients and service providers.

We may collect, use or disclose personal data where necessary to:

  • comply with applicable laws and regulations;
  • comply with lawful requests from authorities;
  • respond to legal proceedings;
  • establish, exercise or defend legal rights;
  • enforce contractual obligations;
  • investigate complaints or disputes; or
  • meet applicable record-keeping requirements.

5. CONSENT

Where required under applicable law, we will obtain your consent before collecting, using or disclosing your personal data for the relevant purposes.

We may obtain consent through methods such as:

  • website forms;
  • checkbox confirmations;
  • written forms;
  • email;
  • electronic communications;
  • telephone conversations; or
  • other appropriate methods.

Where appropriate, we will explain the purpose for which your personal data is being collected, used or disclosed.

You may withdraw your consent by contacting our Data Protection Officer using the contact details provided in this Privacy Policy.

Please note that withdrawing consent does not affect the legality of any collection, use or disclosure that occurred before your withdrawal.

Depending on the nature of the request, withdrawal of consent may affect our ability to provide certain services, respond to an enquiry or continue a particular relationship with you.

We will explain the likely consequences where appropriate.

6. DISCLOSURE OF PERSONAL DATA

We do not sell your personal data.

We may disclose personal data where reasonably necessary for the purposes described in this Privacy Policy and where permitted or required by applicable law.

Depending on the circumstances, recipients may include:

  • our employees and authorised representatives;
  • insurers or relevant policy parties;
  • professional advisers;
  • legal advisers;
  • accountants and auditors;
  • technology and IT service providers;
  • website hosting providers;
  • CRM and customer management providers;
  • email and communication service providers;
  • marketing and analytics service providers;
  • payment service providers;
  • administrative service providers;
  • event and business partners;
  • regulators and government authorities; and
  • other parties where you have provided consent or where disclosure is otherwise permitted or required by law.

Where we engage third-party service providers to process personal data on our behalf, we take reasonable steps to ensure that appropriate contractual and security arrangements are in place.

7. THIRD-PARTY SERVICE PROVIDERS

Our website and business operations may rely on third-party technology and service providers.

These may include providers of:

  • website hosting;
  • website security;
  • email services;
  • CRM systems;
  • analytics platforms;
  • online forms;
  • cloud storage;
  • marketing automation;
  • advertising platforms;
  • payment processing;
  • communication tools; and
  • other technology services.

These providers may process personal data on our behalf or as part of providing their services.

Where appropriate, users should also review the privacy policies of third-party services when interacting with those services.

8. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies and similar technologies.

Cookies are small text files stored on your device when you visit a website.

We may use cookies for purposes such as:

  • enabling website functionality;
  • remembering preferences;
  • understanding website traffic;
  • measuring website performance;
  • improving user experience;
  • analysing visitor behaviour;
  • measuring advertising effectiveness; and
  • supporting digital marketing activities.

Some cookies may be necessary for the website to function properly, while others may be used for analytics or marketing purposes.

You may adjust your browser settings to refuse or delete cookies.

However, disabling certain cookies may affect the functionality or performance of the website.

Where required, we may provide a cookie banner or consent mechanism that allows you to manage certain cookie preferences.

9. ANALYTICS AND DIGITAL MARKETING

We may use analytics and digital marketing technologies to understand how visitors interact with our website and to measure the effectiveness of our marketing activities.

These technologies may include tools such as:

  • Google Analytics;
  • Google Ads;
  • Meta advertising technologies;
  • LinkedIn advertising technologies;
  • TikTok advertising technologies; or
  • other analytics or advertising platforms used by us from time to time.

Such technologies may collect information such as:

  • pages visited;
  • interactions with website content;
  • browser or device information;
  • approximate location;
  • referral information;
  • advertising interactions; and
  • website activity.

The specific technologies used may change from time to time.

Where applicable, you may manage cookies or advertising preferences through your browser, device settings or the relevant platform.

10. PROTECTION OF PERSONAL DATA

We take reasonable steps to protect personal data in our possession or under our control against:

  • unauthorised access;
  • unauthorised collection;
  • unauthorised use;
  • unauthorised disclosure;
  • unauthorised copying;
  • loss;
  • modification;
  • destruction; and
  • other similar risks.

Security measures may include:

  • access controls;
  • password protection;
  • user authentication;
  • system monitoring;
  • secure storage;
  • restricted access to personal data;
  • appropriate staff procedures; and
  • other technical and organisational safeguards.

However, no method of transmission or storage over the Internet can be guaranteed to be completely secure.

You should therefore take reasonable precautions when transmitting personal information online.

11. ACCURACY OF PERSONAL DATA

We take reasonable steps to ensure that personal data collected and maintained by us is accurate and complete where the information is likely to be used to make a decision affecting you or disclosed to another organisation.

You are encouraged to inform us if your personal data changes or if you believe that any information we hold about you is inaccurate or incomplete.

12. RETENTION OF PERSONAL DATA

We will retain personal data only for as long as it is reasonably necessary to fulfil the purposes for which it was collected or for other legitimate business or legal purposes.

The retention period may depend on factors including:

  • the nature of the personal data;
  • the purpose for which it was collected;
  • whether there is an ongoing relationship with you;
  • applicable legal or regulatory requirements;
  • accounting or record-keeping obligations;
  • dispute resolution requirements; and
  • our legitimate business needs.

When personal data is no longer required, we will take reasonable steps to delete, destroy or anonymise it, where appropriate.

13. OVERSEAS TRANSFER OF PERSONAL DATA

Some of our service providers or technology platforms may store or process personal data outside Singapore.

Where personal data is transferred outside Singapore, we will take reasonable steps to ensure that the transferred personal data receives a standard of protection comparable to the protection required under applicable Singapore data protection laws.

Such measures may include appropriate contractual arrangements, safeguards and other measures as required or appropriate under applicable law.

14. ACCESS TO PERSONAL DATA

You may request access to personal data that we hold about you.

You may also request information about the ways in which your personal data may have been used or disclosed within the applicable period under the PDPA.

Requests should be made in writing and should provide sufficient information for us to identify you and understand your request.

Depending on the nature and complexity of the request, we may need to verify your identity before processing the request.

We may also be permitted or required to refuse access in certain circumstances under applicable law.

15. CORRECTION OF PERSONAL DATA

If you believe that personal data we hold about you is inaccurate or incomplete, you may request that we correct the relevant information.

We may require reasonable supporting information before making the correction.

Where appropriate, we will take reasonable steps to communicate the correction to relevant organisations to which the personal data was previously disclosed, subject to applicable legal requirements and exceptions.

16. WITHDRAWAL OF CONSENT

You may withdraw consent for the collection, use or disclosure of your personal data for certain purposes by contacting us.

For marketing communications, you may also use the unsubscribe option included in our emails or other marketing communications.

Please note that:

  • withdrawal of consent does not affect processing carried out before withdrawal;
  • certain services may no longer be available following withdrawal;
  • we may still retain or process certain information where permitted or required by law; and
  • we may need to retain certain records to comply with legal, contractual or regulatory obligations.

17. MARKETING COMMUNICATIONS

If you have provided the appropriate consent, we may contact you through channels such as:

  • Email
  • Telephone
  • SMS
  • WhatsApp
  • Other electronic communication channels

Marketing communications may include:

  • company updates;
  • educational information;
  • events and seminars;
  • REPs/TEPs information;
  • policy availability updates;
  • newsletters; and
  • promotional communications.

You may opt out of marketing communications at any time.

However, opting out of marketing communications will not necessarily prevent us from sending you non-marketing communications that are necessary for an ongoing service, transaction, enquiry or relationship.

18. DO NOT CALL (DNC)

Where applicable, we will comply with Singapore’s Do Not Call requirements.

If you have registered your Singapore telephone number with the Do Not Call Registry, we will take the applicable requirements into consideration when conducting telemarketing activities.

There may be circumstances where communications are permitted under applicable law despite a DNC registration.

You may contact us if you have questions about our telemarketing practices or wish to update your communication preferences.

19. LINKS TO THIRD-PARTY WEBSITES

Our website may contain links to third-party websites, platforms or services.

These may include:

  • social media platforms;
  • news publications;
  • insurer websites;
  • payment platforms;
  • partner websites; and
  • other external websites.

These websites are operated independently from us and may have their own privacy policies and practices.

We are not responsible for the privacy practices, content or security of third-party websites.

We encourage you to review the privacy policy of any third-party website before providing personal data.

20. CHILDREN’S PRIVACY

Our website and services are generally intended for adults.

We do not knowingly collect personal data from children for purposes that are not appropriate under applicable law.

If you believe that a child has provided personal data to us without appropriate consent, please contact us so that we can review and take appropriate action.

21. DATA BREACHES

We maintain processes designed to identify, assess and respond to personal data security incidents.

Where a data breach occurs, we will assess the incident and take appropriate steps in accordance with applicable laws and regulatory requirements.

Where notification to affected individuals or the Personal Data Protection Commission is required, we will make such notifications within the applicable timeframe.

22. DATA PROTECTION OFFICER

We have appointed a Data Protection Officer (“DPO“) to oversee our personal data protection policies and practices.

If you have any questions regarding:

  • this Privacy Policy;
  • how we handle personal data;
  • access or correction requests;
  • withdrawal of consent;
  • marketing communications;
  • personal data protection matters; or
  • complaints relating to personal data,

you may contact our DPO using the details below.

Data Protection Officer

REPs Holdings Pte. Ltd.

Email: repsinvestfb@repsholdings.com.sg

Telephone: +65 8685 7496

Address: 18 Cross St, #07-01, Singapore 048423

23. HOW TO MAKE A PERSONAL DATA REQUEST

To submit a request relating to your personal data, please contact our DPO.

Your request should include:

  • your full name;
  • contact information;
  • nature of your request;
  • relevant details that may help us identify the personal data concerned; and
  • any supporting information reasonably necessary to process your request.

We may contact you for additional information or verification where necessary.

We will process your request in accordance with applicable laws and our internal procedures.

24. COMPLAINTS AND FEEDBACK

We take concerns regarding personal data seriously.

If you have a concern about the way we collect, use, disclose or protect your personal data, please contact our DPO.

We will review your concern and respond in accordance with our internal procedures and applicable requirements.

We encourage individuals to contact us first so that we have an opportunity to understand and address the concern.

25. CHANGES TO THIS PRIVACY POLICY

We may revise this Privacy Policy from time to time.

Changes may be made to reflect:

  • changes in our business practices;
  • changes in technology;
  • changes to our website;
  • changes to our service providers;
  • changes in applicable laws or regulations; or
  • changes in regulatory guidance.

When we make changes, we will update the “Last Updated” date at the top of this page.

We encourage you to review this page periodically to stay informed about how we handle personal data.

26. CONTACT US

If you have questions about this Privacy Policy or our personal data protection practices, please contact:

REPs Holdings Pte. Ltd.

Data Protection Officer

Email: repsinvestfb@repsholdings.com.sg

Telephone: +65 8685 7496

Address: 18 Cross St, #07-01, Singapore 048423

27. IMPORTANT NOTICE

This Privacy Policy describes our intended general practices for the collection, use, disclosure and protection of personal data.

It should be read together with any specific consent forms, notices, terms and conditions or other documents that may apply to particular services, transactions or interactions.

Where there is a difference between this Privacy Policy and a specific legally binding notice or agreement, the applicable legal document will govern to the extent permitted by law.

Last Updated: 29 August 2026

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