Privacy Policy

We at Emerge Creatives place the privacy interests of our customers high in our priorities. We are committed to protecting the privacy, confidentiality, accuracy and security of the personal data provided to us. As part of our Honest Insurance, our Privacy Policy tells you how we collect, use, disclose, store and transfer your personal data. All our employees are required to comply with our Privacy Policy when they carry out their daily activities.

Personal Data We Collect

Under PDPA, personal data is defined as information about an individual who can be identified from that data; or from that data and other information to which the organization has or is likely to have access.

As your preferred provider of training, services and advice, we require certain personal information from you for the purpose of offering suitable products and services to you.

We may collect and use your personal data to:

  • identify you

  • communicate effectively with you

  • underwrite and price your application and any policy changes or renewals

  • determine and verify your creditworthiness for the financial and insurance products you apply for

  • provide financial advice and product recommendation

  • provide you with ongoing services and respond to your inquiries or instructions

  • make or obtain payments

  • investigate and settle your claims

  • recover any debt owed to us

  • detect and prevent fraud, unlawful or improper activities

  • provide insurance or financial related marketing products or services

  • promote complementary products or services to you from business partners with whom we have formed an association

  • conduct surveys, research and statistical analysis

  • coach employees and monitor for quality assurance

  • reinsure risks and for reinsurance administration

  • comply with all applicable laws, including reporting to regulatory and industry entities

  • resolve complaints, and handle requests for data access or correction

We will only collect and use personal data in an open, fair and lawful way that is necessary for the purposes identified by us above.

We will only collect, use, disclose, store and transfer personal data for the above purposes with your consent or as allowed or required by law. We will tell you why we need your personal data before or at the time we collect it.

You can give your consent expressly or impliedly. Your expressed consent can be given to us in writing, verbally (e.g. through our call centre) or electronically (e.g. through our website). Your implied consent can be given to us from your action or nature of dealings. 

We protect your personal data from unauthorized access, collection, use, disclosure, copying, modification or disposal by having physical, technological and organizational safeguards in place that are appropriate to the sensitivity of the data.

All our staff, agents, representatives and service providers who act on our behalf must comply with our privacy policies and practices and can only access your data to do their jobs.

  • Use of Cookies

We may also receive and store certain types of information whenever you interact with us on our corporate website. Through the use of “cookies”, which are small text files placed on your computer by websites, we are able to collect non-personal information such as your IP address, browser type, domain names, access times and referring website addresses.

We use the information collected for the following purposes:

  • Keeping count of return visits to our website or our advertisers’ or strategic partners’ websites;

  • Accumulating and reporting anonymous, aggregate, statistical information on websites and advertisement usage;

  • Determining which features on our website that users like best;

  • Saving your password so you do not have to re-enter each time you visit our website.

The cookies used on our website will not collect your personal information unless you specifically provide us with the information. You may opt to disable cookies or prevent your browser from accepting new cookies through your browser settings.

If you choose not to allow us to place a cookie on your computer, this may restrict your ability to perform certain transactions, use certain services or access certain content on our website.

  • Third Party Advertisement Servers

Some of our advertisers use third-party companies to serve their advertisements on our websites, and in some cases, in our HTML-formatted newsletters. Often, these third-party advertising companies employ cookies and web bug technologies to measure advertisement effectiveness. We do not disclose any personal, identifiable information to them as part of this relationship. Use of their tracking technology is subject to their own privacy policies. We are not responsible for the privacy practices of these third parties and you should refer to their privacy policies to find out about their practices.