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TERMS & CONDITIONS

Last update: 30 July 2025

Introduction

You ("THE USER") have reached this page because you may have been granted access, are planning to join, or have already joined our community and network through our CRM, website, or app (collectively referred to as “THE PLATFORM”) in one of the following roles:

  • A private individual or professional (a SPONSOR) who has been granted access to THE PLATFORM to invite leads, employees, or clients to become MEMBERS;

  • An account manager, carrier, or employee who has been granted access to a SPONSOR’s account to assist, support, manage, or help grow the SPONSOR’s portfolio, services, activities, or communications on THE PLATFORM;

  • An employee of MY-INSURER PTE LTD responsible for administering THE PLATFORM; or

  • A MEMBER who was invited by a SPONSOR to use the app connected to THE PLATFORM.

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THE USER has been given:

  • Access to one or more accounts with a unique MEMBER ID and password;

  • Permission levels specific to each account; and

  • Access to various features and modules within each account.

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As THE USER, your account has been created based on your agreement—and that of anyone you give access to—to the following:

  • You agree to follow the Terms & Conditions for proper use of the account(s).

  • You agree to pay any applicable fees that may be defined and accepted.

  • You will follow the compliance rules of any organization you work with while using THE PLATFORM.

  • You will take reasonable steps to keep all account information secure and confidential, and

  • You will report any security or policy breaches to your employer (if applicable) and THE PLATFORM’s management ("THE ADMINISTRATOR").

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Data Protection Trustmark Certification

  • Since August 2020, MY-INSURER PTE LTD is Data Trustmark Certified by IMDA: DPTM-00033-202008202008

  • The Data Protection Trustmark (DPTM) is a voluntary enterprise-wide certification for organizations to demonstrate accountable data protection practices. The DPTM will help businesses increase their competitive advantage and build trust with their customers and stakeholders.

  • MY-INSURER PTE LTD is going under regular governance review and audit checks to ensure that it is up-to-date and compliant with IMDA requirements.

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Our DPTM Compliance

  • The certification requirements are based on parameters including relevance to PDPA (source: IMDA), international standards (e.g., APEC CBPR/PRP requirements), and industry best practices.

  • The requirements are organized around 4 principles, and each principle is framed by a set of assessment criteria with controls under each criterion.

  • MY-INSURER PTE LTD ensures to maintain accurate documentation on policies, processes, and practices for data protection. 

  • MY-INSURER PTE LTD has demonstrated that their data protection policies, processes, and practices are implemented and practiced on the ground.

Disclaimer

To the best of THE ADMINISTRATOR’s knowledge, THE PLATFORM’s Terms & Conditions follow the laws and regulations in the countries where it operates and:

  • Apply to all THE USER using THE PLATFORM. 

  • Are always available online to THE USER.

  • May be updated at any time without prior notice to be sent to THE USER.

  • Are governed by the laws of Singapore. Any legal disputes must be handled by the courts of Singapore.

 

THE ADMINISTRATOR

  • May suspend or stop THE USER's access at any time if there is reason to believe THE USER has broken the rules.

  • May report any suspected violations to relevant authorities or organizations you are connected to.

  • Does not directly sell or give advice on any regulated products or services that require a license or certification, and

  • Is not responsible for any loss or damage caused by your failure to follow these Terms & Conditions.

Contact us

  • If you have questions about how THE PLATFORM follows local laws and regulations or the Privacy or Use Policy, or if you have any concerns about data management, feel free to contact us at: data@my-insurer.net.

PRIVACY POLICY

Summary

Membership (THE MEMBER) requires an invitation or referral to the Platform, whether directly or indirectly, exclusively from a Sponsor.

As a MEMBER, you have agreed to communicate to your SPONSOR at least 3 data points to become a MEMBER of THE PLATFORM:

  • ​Your Name,

  • Your DOB, and

  • Your Phone Number.

 

  • Data ownership, transfer, and usage: Your data is only accessible to you, THE ADMINISTRATOR and your SPONSOR,

  • Your SPONSOR and THE ADMINISTRATOR may communicate with you through the Platform or by using any contact information you have provided.

  • THE PLATFORM will never give access but to THE ADMINISTRATOR and your SPONSOR, disclose or otherwise make use of your data without your explicit consent. 

  • Your SPONSOR may be informed when you join, register, subscribe, or buy something, but only basic info (name, email, birthdate, phone) and the product or service details will be shared.

  • You can update or ask to be removed or having data to be deleted anytime by emailing data@my-insurer.net, we will comply with your demand within 48 hours of your request.

Introduction

My Insurer Private Limited—Singapore-based company No. 201903812R - (“we” or “us” or "MY INSURER") is THE ADMINISTRATOR of THE PLATFORM, a program designed to facilitate access to different services and rewards for THE USER.

This Privacy Policy sets out the basis on which any personal data THE PLATFORM collects from THE USER, or that THE USER provides to THE PLATFORM, or will be processed by THE PLATFORM.

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We are committed to:

  • Set our Privacy Policy to be compliant to, and follow any best practices, guidelines, requirements of the privacy policy applicable in any countries where THE PLATFORM operates,

  • Comply to any Data (storage, flow, ownership) Protection Act, laws & regulations applicable in any countries where THE PLATFORM operates, and

  • Make THE USER journey as enjoyable, safe, clear, and lean as possible.

 

Disclaimer

  • THE USER must read the following carefully to understand THE ADMINISTRATOR's views and practices regarding personal data and how we treat it.

  • THE ADMINISTRATOR shall not be liable for any voluntary disclosure of personal information by THE USER to other USER or external parties not pertaining to THE PLATFORM, and

1. Collection of Data

  • Providing Personal data is voluntary for THE USER.

  • If THE USER chooses or is unable to provide this data, THE PLATFORM may not be able to offer the services.

  • THE PLATFORM and THE SPONSOR can collect online up to 4 data points from a prospect before he/she becomes a MEMBER:

    • ​MEMBER First and Last Name,

    • MEMBER DOB,

    • MEMBER Email, and

    • MEMBER Phone Number.

  • Such data are collected under MEMBER strict consent and responsibility, are the sole proprietorship of the MEMBER and available to the MEMBER via the "App" for editing or deletion at all time, 

  • MEMBER is not required to provide any other personal data as a condition of using the "Website" and the "App",

  • If the MEMBER is unable to provide such personal data, THE PLATFORM will not be able to provide the MEMBER with the intended services and the access to its "Website" and "App",

  • THE PLATFORM monitors and collects non-personalized identity information, including, but not limited to traffic data, times spent, location data, and the contents MEMBER access,

  • A SPONSOR  can invite a MEMBER to provide additional personal data prior to delivering a service or a product,

  • At anytime the MEMBER and its SPONSOR may edit, delete directly via the "Website" or the "App", or request to THE PLATFORM to delete its account, and

  • At anytime the MEMBER may request to its SPONSOR or THE PLATFORM to receive a full set of data contained in the "Website" and the "App".

2. Purpose of Use

  • All information collected, including Non Personalised Identification Information (NPII) and Personalised Identification Information (PII) data, may be used by us in the aggregate or individually and may be combined with other information for purposes including but not limited to the following:

  • Administering the "Website" and the "App",

  • Verifying MEMBER identity for the purposes of providing THE PLATFORM products or services to eligible members of the programme only,

  • Improving MEMBER browsing experience by personalising the 'Website" or the "App"; 

  • Providing to services that MEMBER have specifically requested, responding to its enquiries or requests pursuant to emails and/or submission of form(s) on the Website,

  • Responding to and taking follow-up action on complaints,

  • Providing third parties with statistical information about MEMBER– but such information will not be used to identify any individual MEMBER,

  • Generating statistical and financial reporting, regulatory reporting, management reporting, audit and record keeping purposes,

  • THE PLATFORM will not, without MEMBER express consent, provide MEMBER personal data to third parties for the purposes of direct marketing or any other initiatives that will affect MEMBER experience with THE PLATFORM, and

  • The app gives to the MEMBER the opportunity to enjoy exclusives and captive services.  No data will be shared to any provider of such services unless you gave your prior consent via the app by accepting their offer through a click of a button named "Interested".  The data that will be provided if MEMBER shows interest are and only are:

    • Name

    • Phone Number.

    • DOB

  • Should you have any questions regarding our compliance to PDPA, please feel free to contact us at: data@my-insurer.net

  • You may also write to us to request for the following:

    • Delete your personal data,

    • Transfer your data to a third party,

    • Know who is using your data, 

    • Rectify your incorrect data, and

    • Complain about misused of your data.

3. Security

  • THE PLATFORM  will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information,

  • THE PLATFORM  will comply to the rules and regulation of the country where it operates when it comes to data management (storage, flow, collection) and security requirement,

  • THE PLATFORM will store all the personal information you provide on secure servers. All electronic transactions MEMBER makes will be encrypted using SSL technology,

  • MEMBER understands that the transmission of information via the Internet is not completely secured. Although THE PLATFORM  will do its best to protect MEMBER personal data, THE PLATFORM cannot guarantee the security of data transmitted to the Website; and

  • MEMBER is responsible for keeping its password confidential. THE PLATFORM will never ask for a password to any of its MEMBER.

4. Usage, and disclosure of personal Data

  • THE PLATFORM will not collect, use, and disclose MEMBER data without your prior consent unless THE PLATFORM is under a duty to disclose or share MEMBER personal data in order to:

    • Comply with any legal obligation;

    • To enforce or apply our Terms of Use and other agreements;

    • Protect the rights, property, or safety of us and our affiliates and subsidiaries, other MEMBER of the Website, or others; and

    • In connection with any legal proceedings or prospective legal proceedings;

  • THE PLATFORM may collect, use, and disclose your personal without consent as permitted or required by the PDPA, and from time to time and in compliance with all applicable laws on data privacy, discloses MEMBER Personal Data to any personnel of THE PLATFORM or to third parties, whether located in Singapore or elsewhere, in order to carry out the purposes of its services.

5. IP Addresses

  • THE PLATFORM may collect and store information about THE USER's computer, including where available your IP address, operating system and browser type, for system administration.

  • This is statistical data about MEMBER’ browsing actions and patterns and does not identify any individual.

6. Cookies

  • THE PLATFORM uses cookies to distinguish THE USER from another USER.

  • This helps to provide THE USER with a good experience and also allows THE ADMINISTRATOR to improve THE PLATFORM.

7. Third Party Websites

  • THE PLATFORM contains website links from partner networks and vendors.

  • These websites have their own privacy policies and THE PLATFORM does not accept any responsibility or liability for these policies, and

  • THE USER must check these policies before submitting any personal data to these websites.

8. Retention Policy

  • Section 25 of the PDPA requires an organization to cease to retain its documents containing personal data or remove the means by which the personal data can be associated with particular individuals as soon as it is reasonable to assume that the purpose for which that personal data was collected is no longer being served by retention of the personal data and retention is no longer necessary for legal or business purposes.

9.  Deletion of Data of a Sponsor

  • THE PLATFORM will issue an email reminder 3 working days following the expiration of a subscription should no renewal be made. 

  • A SPONSOR will be given a grace period of 14 working days to effect a renewal before the account is deemed inactive and THE PLATFORM will proceed to close it; thereby removing the access of the all the data within.

  • The MEMBER data of an inactive SPONSOR account will remain active, accessible and editable to the MEMBER only, 

  • Should a MEMBER requests THE PLATFORM to delete its account and its data, THE PLATFORM will comply within 48h00 following the MEMBER demand,

  • When a SPONSOR chooses to delete the data in the system, the deletion functions are called "DELETE SQL" and will delete data immediately from the database,

  • THE PLATFORM retain the data of its employees up to 30 working days from the date of resignation provided that it is reasonable to assume that such retention no longer serves the purposes for which the personal data were collected, and are no longer necessary for legal or business purposes. Unless, it is necessary to fulfil the purposes for which they were collected, or as required or permitted by applicable laws.

12.  Withdrawal of a Member

  • At any time, a MEMBER can withdraw from a SPONSOR by deleting such SPONSOR from its Community,

  • As a consequence, all the MEMBER data will be immediately removed from the SPONSOR Account and the SPONSOR will not have any access to any information of the MEMBER, and 

  • The SPONSOR will receive a notification of such withdrawal and will not be able to send notifications, publications, news & offers to the MEMBER.

TERMS OF USE

Preamble to terms of use

  • By using and accessing the "Website" or the "App" : "THE PLATFORM", you "THE USER", as either THE SPONSOR or THE MEMBER, conclude a legally binding agreement with MY INSURER, the owner and ADMINISTRATOR of "THE PLATFORM"

  • The user registration and usage of the services of THE PLATFORM are conditional to its acceptance of the overall T&Cs.

  • By using, browsing, and accessing THE PLATFORM, or by using the goods, facilities, or services offered in or through THE PLATFORM through alternative methods (including, for example, telephone, mail, email, or WhatsApp), MEMBER accepts and agrees to be bound by the T&Cs.

  • Any amendment or new guidelines and rules relating to the use of THE PLATFORM will be incorporated by reference into the Terms & Conditions and will be considered acknowledged by you within 1 month after effective posting by MY INSURER.

  • THE ADMINISTRATOR developed and manages a network of services that can be accessed via THE PLATFORM. Such services may vary in scope and prices. THE USER agrees to follow strictly the Terms & Conditions set to the services at all times.

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Disclaimer to terms of use

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  • By using and accessing THE PLATFORM, THE USER is exposed to information, data, text, software, photographs, graphics, video, icons, messages or other materials that has been uploaded, posted, emailed, transmited or otherwise make available on THE PLATFORM (“Materials”) whether publicly or privately.

  • THE ADMINISTRATOR does not actively review or edit the messages, views, opinions, research and recommendations of USERS made through THE PATFORM.

  • THE ADMINISTRATOR cannot and do not endorse, and cannot be responsible for, the messages, views, opinions, research, services and recommendations of USERS made through THE PLATFORM

  • THE ADMINISTRATOR may remove or delete any content that THE USER may have provided on THE PLATFORM, in its absolute discretion, suspects that it has violated any of our Terms & Conditions.

  • THE ADMINISTRATOR is not responsible for purchase of products or services offered directly or indirectly through THE PLATFORM,

  • All claims, remarks, concerns, information relative to products or services offered directly or indirectly through THE PLATFORM  should be directly addressed to the sender of such products or services, 

  • THE ADMINISTRATOR reserves the right at any time and from time to time to modify and discontinue, temporarily or permanently, any services of THE PLATFORM (or any part thereof)  with or without notice,

  • THE ADMINISTRATOR is not responsible for the privacy practices employed by any websites or any information or any content communicated through THE PLATFORM.

  • THE PLATFORM may send news letter and marketing email related to SPONSOR published content. USER have the right at any time to prevent being contacted for marketing purposes. 

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THE ADMINISTRATOR makes no warranty that:

  • THE PLATFORM will meet THE USER requirements.

  • THE PLATFORM will be uninterrupted, timely, secure and error-free.

  • Any results that may be obtained from the use of THE PLATFORM will be accurate or reliable.

  • The quality of any products, services, information or other material purchased or obtained directly or not directly through THE PLATFORM will meet THE USER expectations.

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A. The use of the Platform as a User

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As a USER, you warrant that:

  • You are authorised and/or accurately licensed where and when applicable according to the rule and regulation of your country where you operate.

  • You are using your actual/formal and official identity.

  • Personal data that you provided to THE PLATFORM are true, accurate, complete, and current

  • You will maintain and promptly update your personal particulars and ensure that such information is kept true, accurate, complete, and current.

  • In the event that you have been given (or where you have chosen) a password, which enables you to access certain parts of THE PLATFORM you acknowledge that you are fully responsible for maintaining the confidentiality of your password, and all activities occurring under your account.

  • You agree to notify THE ADMINISTRATOR of any breach of security of your password within a reasonable amount of time that defines emergency.

  • You Agree that THE PLATFORM is not be liable for any loss or damage arising from your failure to comply with these Clauses.

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In using THE PLATFORM you agree not to:

  • Violate any law, statute, or regulation.

  • Infringe the copyright, patent, trademark, trade secret, or other intellectual property right of any party, including but not limited to THE PLATFORM.

  • Engage in money laundering activities, in gambling activities, or in any immoral activity or potentially immoral activity, including but not limited to prostitution and pornography.

  • Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.

  • Act in a manner that is defamatory, libelous, threatening, or harassing.

  • Provide false, inaccurate, or misleading information.

  • Engage in potentially fraudulent, suspicious, or illegal activity and/or transactions.

  • “Stalk” or otherwise harass another USER of the Website.

  • Send unsolicited messages, notifications, or emails to any USER or use THE PLATFORM 

  • Take any action that imposes an unreasonable or disproportionately large load on THE PLATFORM infrastructure.

  • Upload, or cause to be uploaded, any content to the Website that contains viruses or any other items that may damage, interfere with, or adversely affect or hinder access to the Website.

  • Engage in, nor cause other USERS to engage in, spamming, phishing, or improper, malicious, or fraudulent clicking, impressions, or marketing activities.

  • Reflect poorly on or tarnish the reputation of THE PLATFORM.

  • Modify, adapt, reformat, recompile, transmit, publish, license, reverse engineer, disassemble, reconstruct, decompile, copy, or create derivative works of, transfer, or sell any services on the Website or part thereof, including source codes or algorithms, except as expressly authorized by MY INSURER in writing, or to the extent permitted by law.

  • Use any unauthorized third-party software that intercepts, “mines,” or otherwise collects information from or through THE PLATFORM.

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B. Limitation of Liability

  • THE USER uses THE PLATFORM at its sole risk. 

  • THE ADMINISTRATOR disclaims all warranties of any kind, whether express or implied.

  • THE ADMINISTRATOR reserves the right at any time and from time to time to modify and discontinue, temporarily or permanently, any services of the Website (or any part thereof) with or without notice.

  • THE USER agrees that THE ADMINISTRATOR shall not be liable for any modification, suspension, or discontinuance of such services.

 

THE ADMINISTRATOR shall not be liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:

  • The use or the inability to use THE PLATFORM,

  • Unauthorized access to or alteration of your transmissions or data,

  • Statements or conduct of any third party on THE PLATFORM, and

  • Any other matter relating to THE PLATFORM

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C. Termination

​​​Termination by THE ADMINISTRATOR

THE PLATFORM may, under certain circumstances and without prior notice, at THE ADMINISTRATOR's sole discretion, immediately terminate THE USER's account (if any).

Cause for such termination shall include, without limitation:

  • Breaches, infringements, or violations of the Terms & Conditions or other incorporated documents, guidelines, or rules.

  • Request by law enforcement or other government agencies.

  • Self-initiated account deletions.

  • Unexpected technical or security issues or problems, or extended periods of inactivity.

Termination of THE USER account shall result in:

  • Removal of access to and barring of further use of all offerings of THE PLATFORM that are associated with such account.

  • Deletion of your password and all related information, files, and content associated with or inside your account (or part thereof).

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Termination by THE USER 
USER may decide to leave and cancel its membership as SPONSOR or MEMBER without prior notice and at its sole discretion. Consequences of such termination shall include, without limitation:

  • THE PLATFORM will not reimburse any prorated fees or dues that cover the period that has not been completed or used by THE USER.

  • Fees & Financial dues defined or set in any specific MOU/MOA/exclusive contracts will have to be fulfilled and paid for the remaining time in line with the date stated in such MOU/MOA/exclusive contracts unless expressly discussed and agreed in writing.

  • The SPONSOR must have extracted and downloaded all the relevant data input during the effective term of his active account. THE PLATFORM is not responsible or shall not assist you to retrieve or download any data post termination.

  • The SPONSOR has 30 days to communicate about its termination to all its MEMBERS.

  • The MEMBER will remain active in the "Website" and the "App" and will be attached to THE PLATFORM ADMIN AVATAR as "Orphan."

  • THE ADMINISTRATOR will not use the data or will not allocate any "orphan" at any time to any other SPONSOR in line with its Terms & Conditions.

D. Intellectual Property Rights

​MY-INSURER PTE LTD owns and reserves all intellectual property rights to THE PLATFORM, including international copyright and trademark rights.
All other names, products and marks mentioned are the intellectual property rights of the respective owners.
No materials provided THE PLATFORM, including text, graphics, code, ratings, rankings, databases, aggregated information, Materials and/or software may be reproduced, modified, adapted, distributed, published, displayed, uploaded, posted, transmitted or hyperlinked in any manner and in any form without our express, prior written approval, and the approval of the respective copyright and trademark holders.

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E. Indemnities

​You agree to indemnify and hold us, and our subsidiaries, affiliates, officers, agents or other partners, and employees, harmless from any claim or demand, including attorneys’ fees, made by any third party due to or arising out of any content that you submit, post, transmit or make available on THE PLATFORM, your use of the Website, your connection to the Website, your violation of the Terms of Service, or your violation of any rights of another party.

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