Terms and Conditions (for Advisers)

INTRODUCTION
PFPFA Private Limited – Singapore based company No. 202008481K – (“we” or “us”) is the operator of PFPConnect, a platform that is equipped with a mobile application called PFPConnect (the “App”), a free membership program designed for all PFPFA clients to access quality Healthcare at low prices, supplemented by Wellness and Lifestyle offers, calibrated according to the Users’ data profiles.

We are committed to:

• Follow any best practices, guidelines, requirements of the privacy and other applicable policies applicable in any countries where we operate,
• Comply to any Rules & Regulations applicable in any countries where we operate,
• Making the user journey as enjoyable, safe, clear and lean as possible

DISCLAIMER

• Terms & Conditions are compliant to the best of our knowledge with the rules and regulations applicable (on data management, insurance acts, insurance agent Fit and Proper behaviour criteria, appropriate online usage) with the respective countries where we operate and set out the basis for individuals and companies accessing and using the Website and the App.
• Any “Adviser” who joins PFPConnect must read and agree the following Terms & Conditions carefully
• These Terms & Conditions are and should be accessible at any time by any Advisers. We may amend these Terms & Conditions at any time by posting a revised version on the Website. However, an individual notice will not be sent to any Advisers and they will be deemed to be acknowledged and agreed after 1 month from the publication.
• The Terms & conditions shall be governed by and construed in accordance with the laws of the Republic of Singapore, and any claims or disputes of whatever nature shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.

For every Adviser, the following will be provided:

• A unique account with a User Name and Password.
• A set of access authorities have been granted
• A set of functionalities and modules have been made available.

Terms of Use:

1. CONSENT
   By accessing PFPConnect, you accept all Privacy Policy and Terms of Use, and consent to our collection, storage, use and disclosure of your personal information. In addition, by using our Services, or services across partners, affiliated or unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy. Each time you visit our website, or use the Services, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide, and you are consenting to receive emails or otherwise be contacted, as described in this Privacy Policy.

We may collect both “Non-Personal Information” and “Personal Information” about you. “Non-Personal Information” includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. “Personal Information” includes information that can be used to personally identify you, such as your name, address and email address.

In addition, we may also track information provided to us by your browser or by our mobile application when you view or use the Services, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you.  We use this information for, among other things, the operation of the Service, to maintain the quality of the Service, to provide general statistics regarding use of the Service and for other business purposes. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies maybe sent to your browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to your browser enables us to collect Non-Personal Information and keep a record of your preferences when utilizing our services, both on an individual and aggregate basis.  We may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. Persistent cookies can be removed by following your Internet browser help file directions. If you choose to disable cookies, some areas of the Service may not work properly.

2. SAFEGUARDING PERSONAL DATA AND INFORMATION

We implement reasonable precautions and follow industry best practices in order to protect your Personal Information and ensure that such Personal Information is not accessed, disclosed, altered or destroyed.  However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such precautions. By using our Service, you acknowledge that you understand and agree to assume these risks.

3. HOSTING
   Our Service is hosted by AZURE CLOUD.  AZURE provides us with the online e-commerce platform that allows us to provide the Service to you. Your information, including Personal Information, may be stored through AZURE ’s servers.  By using the Service, you consent to AZURE’s collection, disclosure, storage, and use of your Personal Information in accordance with AZURE’s privacy policy available at https://www.microsoft.com/en-us/TrustCenter/CloudServices/Azure/GDPR

4. You agree to conduct yourself in a professional manner and not to disparage the goodwill of PFPConnect.

5. With respect Customer Data, you agree to:

(i) Maintain appropriate administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of Customer Data in accordance with industry standards;

(ii) Take all commercially reasonable and appropriate legal, organizational, and technical measures to protect Customer Data against (a) accidental or unlawful destruction (b) accidental loss, alteration or processing, and (c) unauthorized disclosure or access;

(iii) Comply with all applicable general privacy and data security laws of Singapore;

(iv) Use Customer Data solely as permitted under this Agreement and for such other purposes solely as permitted by Customers;

(v) Not disclose any Customer Data except as compelled by law or as expressly permitted in writing by Customers;

(vi) Provide legally adequate privacy notices to Customers and obtain all necessary consents in accordance with applicable general privacy and data security laws.