Terms & Conditions

Please read these terms and conditions of use (these “Conditions”) carefully. By accessing and using this web page and the other web pages owned or operated by us or accessing and using our online services (our “Website”), you will be conclusively presumed to have notice of, and you acknowledge that you agree to comply with and be bound, by these Conditions, as amended from time to time. These Conditions govern our relationship with you in relation to our Website. If you disagree with any part of these Conditions, you must immediately discontinue your access or use of our Website.

Specific terms and conditions of use appearing on specific web pages and/or sections of our Website may be applicable to such web pages and/or sections of our Website. Such specific terms and conditions of use shall constitute a part of these Conditions. In the event of any conflict between such specific terms and conditions of use and these Conditions, the specific terms and conditions of use shall prevail to the extent of such conflict.

The term ‘Prestige Risk Management’, ‘Prestige RM’, ‘we’ or ‘us’ refers to Prestige Risk Management Private Limited and its affiliates (where applicable), and the term ‘our’ has a correlative meaning. The term ‘you’ refers to the viewer or user of our Website, and the term ‘your’ has a correlative meaning.

Headings are inserted for convenience and shall not affect the interpretation of these Conditions.

We may collect certain personal information including, but not limited to, (a) identification data (for example your name, e-mail address, mailing address, contact number, birth date, age, occupation, educational level, income level, gender, industry of work); (b) information about your usage of and interaction with our Website (for example computer and connection information, device capability, bandwidth, statistics on page views, frequency of use and traffic to and from our Website); (c) electronic identification data (for example internet protocol address and cookies); and (d) your user profile ((a) to (d) collectively, “Personal Information”) via our Website. The provision of such Personal Information by you is not mandatory, but may be required in order to use or access certain web pages and/or sections of our Website or our services, or to purchase our products or services.
We are committed to protecting your privacy. We do not disclose specific information about our users to any third parties unless required by law or any government agencies, to comply with legal process, where necessary to enforce these Conditions, to respond to claims from third parties, to protect the safety, interests, rights or property of ours or others or as permitted under these Conditions.
You agree that we may disclose your Personal Information to third parties under any of the following circumstances:
3.1 when we have your consent to disclose the Personal Information;
3.2. when we disclose your Personal Information in accordance with these Conditions;
3.3. when we need to disclose your Personal Information to provide the services that you have requested; and
3.4. when we need to disclose the Personal Information to third parties who on behalf of us provide services to you (we will only provide such third parties the relevant information required for the provision of the services, and the third parties are prohibited from using such Personal Information for any other purpose).
We may sell or buy subsidiaries or business units. In such transactions as well as in the event that all or substantially all of our assets are acquired by a third party, your Personal Information will generally be one of the transferred business assets. We reserve the right to include your Personal Information, collected as an asset, in any such transfer to a third party.
In the event that you participate in promotional programmes on our Website sponsored or organised by third parties, or purchase goods and services offered by third parties, or offer goods and services to third parties on our Website, your information might be disclosed to and used by such third parties. From time to time, we receive Personal Information from business partners and third parties. We only use such information if it has been collected in accordance with acceptable privacy practices consistent with these Conditions and applicable laws. We are not responsible for removing your Personal Information from the lists of any third party who has previously been provided your information in accordance with these Conditions.
Certain web pages and/or sections of our Website may use “cookies”, which are small data files sent to your computer, to store and track information about you when you access such web pages and/or sections of our Website. The cookies track information such as users’ profiles, the number of users, their frequency of use and their preferred websites.
The majority of Internet browsers will allow you to configure the settings used for cookies. If you disable the use of cookies on your web browser, or remove or block specific cookies from our Website, then you may not be able to gain access to all of the Materials, facilities and services provided on our Website.
Information that we collect may be stored or processed in any country and may be transferred between countries. Some of these countries may have data protection laws that are less stringent than those in the country in which you are using or accessing our Website. You acknowledge and agree to such storage, processing and transfer.
You also acknowledge and agree that information that we collect may be stored or processed in, or transferred to, servers of our service providers.
While we will take reasonable care in preventing the loss, misuse or alteration of your Personal Information, you acknowledge that data transmission over the Internet is insecure and we cannot guarantee the security of the data transmitted over the Internet.
We allow certain third party companies to collect certain anonymous information when you visit our Website. These companies may use non-personally identifiable information during your visits to our Website and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information.

These terms and conditions are subject to change.

Prestige Risk Management Personal Data Protection Policy Statement

Prestige RM Commitment
The Prestige Risk Management is committed to protecting our stakeholders’ and customers’ personal data in accordance with the Singapore Personal Data Protection Act (“PDPA”).
Prestige RM Privacy Policy
This Personal Data Protection Policy Statement (“Statement”) explains what personal data is collected and why, how long Prestige RM keeps the data, Prestige RM’s security measures and how Prestige RM addresses access and correction requests. “Personal data” means any information about an individual, which can be identified from that data, as more specifically defined under the
PDPA. You may not alter any of the wordings in this ‘Personal data collection statement’. Any attempt to do so will be of no effect.
What information does Prestige RM collect?
Prestige RM collects information about how to contact you and your interest and relationship with Prestige RM, including the products and services, which are relevant to you. This information is collected when you communicate with Prestige RM in writing (including email, SMS, letters, paper or electronic forms, business cards, or other forms of written or electronic correspondence) or orally.
What does Prestige RM do with the information?
Prestige RM collects information to provide products and services and communicate with you on matters relevant to your relationship with or interest in Prestige RM. The information helps Prestige RM to assess and improve the products and services that you use or may use, and selectively send you information about our products, services, activities or events that may be relevant to you. We will not provide your personal data to any third parties without your consent, except as permitted under the PDPA, such as in response to law enforcement agencies. By providing personal data to Prestige RM you are consenting for Prestige RM to collect and use the information provided, and to share such information within the Prestige RM and such third parties with which Prestige RM may have relevant service arrangements, for the purpose for which the information was collected or to be used, and any other reasonable ancillary purposes. This includes the purpose of facilitating Prestige RM’s provision of the products and services which you use, marketing Prestige RM products and services which are relevant to you, and your consent to receive notifications from Prestige RM on such products and services. In addition, we will always check with the national Do-Not-Call Registry before we send you any marketing message or make any marketing call to your Singapore telephone number. For specific information relating to your use of the Prestige RM website, please see the terms and conditions of use of the Prestige RM website here.
How long does Prestige RM keep the information?
We shall retain your personal data for as long as is necessary for the above-mentioned purposes and take reasonable measures to destroy any personal data that is no longer necessary to meet those purposes.
Prestige RM security measures
All your personal data is kept confidential and Prestige RM takes all reasonable measures to protect it from unauthorized or accidental access, processing or loss, by implementing appropriate physical, electronic and supervisory controls.
How you can control your information?
If you do not want Prestige RM to contact you by telephone or SMS, you may register with the Personal Data Protection Commission’s national Do-Not-Call register. Prestige RM complies with the PDPA’s requirements on screening telephone communications with the Do-Not-Call register. Prestige RM also complies with the Singapore Spam Control Act. If you do not want Prestige RM to contact you via electronic messaging, all Prestige RM electronic communications with you provides an “unsubscribe” contact for you to remove yourself from the contact list. Should you wish to be removed from Prestige RM’s customer database at any time, or if you believe Prestige RM has inaccurate information about you, please contact us. By contacting us, you may update your personal information, opt out of any Prestige RM communications you may be receiving, or choose to be removed from the database altogether. It is important to note that Prestige RM uses your personal information to provide you with the products and services you wish to use. Prestige RM also complies with various regulatory requirements in doing so, including the requirements for customer due diligence. Withdrawal of consent for Prestige RM to collect, use or disclose personal information means that Prestige RM will stop these activities. The absence of certain key personal information, including but not limited to your name, address, email and/or telephone contacts, personal identification numbers or banking information, may cause Prestige RM to be unable to continue providing the relevant products and services to you.
Contacting us
If you have any questions about this Statement, or Prestige RM’s handling of your personal data, please contact our Personal Data Protection Officer at info@prestige-rm.com.