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Grandtag Financial Consultancy (Singapore) Pte. Ltd. (referred to hereinafter as the "Company") recognizes its responsibilities in relation to the collection, holding, processing, use and/or transfer of personal data under the Singapore Personal Data Protection Act 2012 ("PDPA"). Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Company is accurate. The Company will take appropriate technical and organisational steps aimed at ensuring the security of the personal data and to avoid unauthorized or accidental access, loss or damage, erasure, or other unauthorised or unlawful use.
In order to provide you with our insurance brokerage services described in our Client Engagement Letter and other services set out in the "Purpose" section below, we may collect personal data directly from you or from other third parties. Please note that if you do not provide us with your personal data, we may not be able to provide the information, products or services you need or process your request.
We will collect and process the following categories of personal data:
We do not normally ask you to specially provide us with "Special Categories" of personal data but in some cases, special categories of personal data may be contained on other documentation you provide to us for purposes of identity verification, such as passport or identify card copies. "Special Categories" or personal data are personal data revealing or concerning (directly or indirectly) racial or ethnic origin, communal origin, political affiliation or opinions, religious or philosophical beliefs, criminal record, trade-union membership and health or sex life and including generic data and biometric data where it is used for the purpose of uniquely identifying a natural person.
Basis for processing Special Categories of Personal Data to the extent we do process such data it will be on the following lawful bases:
We are also permitted to process your special categories of personal data if necessary for the establishment, exercise or defence or legal claims by us.
From time to time, it is necessary for the Company to collect your personal data which may be used, stored, processed, transferred, disclosed or shared by us for purposes ("Purposes"), including:
Personal data will be kept confidential and subject to the provisions of any applicable law. Your personal data may be provided to the following recipients for the Purposes listed above:
For our policy on using your personal data for marketing purposes, please see the section below "Use and Provision of Personal Data in Direct Marketing".
Transfer of your personal data will only be made for one or more of the Purposes specified above.
The transfer mentioned above may involve the transfer of your personal data to jurisdictions outside Singapore for processing. Overseas jurisdiction may not have laws which require the same protection of personal data as Singapore. We will ensure that any such transfer only take place under adequate safeguards, as required by the law, or otherwise in accordance with the law.
The Company only store and process your personal data for the time necessary to achieve the purposes for which personal data is collected, in accordance with applicable data protection laws.
The Company and/ or its affiliates intends to:
You may in the future withdraw your consent to the use and provision of your personal data for providing the insurance advisory activities.
If you do not wish to receive direct marketing from us, you can opt out at any time. To opt out, please inform us in writing to the address in the section on "Access and Correction of Personal Data". The Company shall, without charge to you, ensure that you are not included in future insurance advisory activities.
Under the PDPA, you have the right to ascertain whether the Company holds your personal data, to obtain a copy of the data, and to correct any data that is inaccurate. You may also request the Company to inform you of the type of personal data held by it, and how such personal data has been used or disclosed within the last year.
Requests for access and correction or for information regarding policies and practices and kinds of data held by the Company should be addressed in writing to:
Data Protection Officer
Grandtag Financial Consultancy (Singapore) Pte. Ltd.
3 Anson Road, #17-03 Springleaf Tower, Singapore 079909
A reasonable fee may be charged to offset the Company's administrative and actual costs incurred in complying with your data access requests.
In case of discrepancy between the English and the Chinese versions, the English version shall prevail.
Last Updated: 28 October 2025
This explains the terms and conditions that apply when you use any electronic services provided by us.
| "Account" |
means the Grandtag account set up for your pursuant to this Agreement.
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| "Confidential Information" |
means all proprietary and confidential information of the
Disclosing Party, whether commercial, financial, technical or
otherwise which by its nature should obviously be treated as
secret and confidential and which the Disclosing Party desires to
protect against unrestricted disclosure or competitive use or which
is designated as such, including without limitation information
related to the Disclosing Party#39s business, whether such
information is oral, written, electronic or in any other form, but
excludes information that (a) is or becomes public knowledge
other than as a direct or indirect result of any breach of this
Agreement or (b) is known by a Party before the date the
information is disclosed to that Party by the other Party or is
lawfully obtained by a Party after that date and which, in either
case, as far as that Party is aware, has not been obtained in
violation of, and is not otherwise subject to, any obligation of
confidentiality. The terms of this Agreement and the understanding
and arrangement of the Parties thereunder shall be deemed to be
Confidential Information.
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| "Applicable Laws" |
means all applicable local or foreign laws, applicable statutes, rules, acts,
regulations, subsidiary legislation notices, notifications, circulars, by-laws,
policies, orders, licence conditions, directions, requests, requirements,
guidelines, directives, codes, information papers, practice notes,
demands, guidance and/or decisions of any national, state or local
government, any agency, exchange, regulatory or self- regulatory body,
law enforcement body, court, central bank or tax revenue authority or any
other authority whether in Singapore or elsewhere, whether having the
force of law or not, as may be amended from time to time
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| "Insurance Product" |
means insurance plans that are underwritten by insurance company.
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| "Insurance Policy" |
means insurance document that issued by insurance company.
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| "Personal Data" |
has the meaning as defined in the Personal Data Protection Act 2012
(“PDPA”) of Singapore.
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| "Services" |
means financial services provided by Grandtag pursuant to this
Agreement.
|
| "Transactions" |
means insurance proposals that carried out on your behalf pursuant to
this Agreement.
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| "User Access" |
means any user identification, passwords and other security credentials
assigns to you and required to access and use Grandtag system using
your Account.
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The Services include (but not limited to):
You represent and warrant that:
You acknowledge and agree that:
In case of discrepancy between the English and the Chinese versions, the English version shall prevail.
TERMS OF USE
In these terms, you and your means the customer (whether individual or corporate), and (where the context so requires) includes any user authorised by you. We , us and ours means Grandtag Financial Consultancy (Singapore) Pte. Ltd. (“GFCS”), including its successors and assigns. By using this website, you agree to be bound by the following terms including any future changes, without limitation or qualification. Please read these terms carefully before using this website.
In addition to the terms as set out herein, there may be separate terms and conditions that apply if you access other pages or follow links from this website ("Additional Terms and Conditions"). It is your responsibility to read and understand the Additional Terms and Conditions where applicable. These terms and the Additional Terms and Conditions may be revised at any time without prior notice. You are bound by any such revisions and should therefore periodically visit this page and/or other relevant pages to review the then current terms to which you are bound. If you do not agree with these terms, please exit this website.
A User Identification, Password and One Time password (OTP) where applicable, must be entered to authenticate your identity every time you logon to our website. You agree to hold us harmless if any other person obtains possession of the above information. You will safeguard any OTP device issued to you and follow every procedural, security and other requirement and notice of ours and/or the relevant participant regarding their use, or, as the case may be, you will comply with the provisions of this clause regarding any OTP device issued.
You should notify us immediately if any OTP device is lost or disclosed to any unauthorised person or used by any unauthorised person or if any other event occurs which would, under these terms, allow us to suspend or cancel your use of this website. After receipt of any such notice purporting to come from you, we may suspend or cancel your use of this website at any time.
We may at any time without notice to you (a) determine and vary the frequency and manner of use of this website, transaction limits, operating hours, types of facilities and services available through this website. You will be responsible for all transactions made by the use or purported use of the website by any person, with or without your authority, knowledge or consent, and may not claim against us in respect of any such use or purported use.
You shall assume full responsibility and risk each time you access this website, and view or print any portion of the information available to you on this website and/or each time you use any of our online facilities.
To the fullest extent permissible pursuant to applicable law: (1) the information and materials on this website are provided as is and without warranties of any kind whether express, implied, statutory or otherwise, and GFCS disclaim all warranties, whether express, implied, statutory or otherwise, including, but not limited to, warranties of merchantability, satisfactory quality and fitness for a particular purpose, title and non-infringement of third party rights (2) GFCS does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components and (3) GFCS does not warrant or make any representations regarding the use or the results of the use of the information and/or materials on this website in terms of their correctness, accuracy, reliability, adequacy, completeness or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions, and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement. Nothing on this website shall constitute or be construed as legal liability, undertaking or admission by GFCS in any way.
This website may be linked to other third-party websites which are not maintained by GFCS. GFCS is not responsible for the availability, content or accuracy of other third-party websites and does not make any warranty expressed or implied, with respect to the use of those third-party websites. The inclusion of any link to such websites does not imply approval of or endorsement by GFCS of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
While GFCS uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, GFCS makes no warranties or representations as to the accuracy, adequacy or completeness of the content of this website and/or its materials and under no circumstances, including, but not limited to, negligence, shall GFCS or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities, costs, expenses and/or consequences of whatsoever nature that result from or in connection with any access, the use of, or the inability to use, the materials on this website or reliance on the materials and/or any information on this website, any systems, server or connection failure, error, omission, interruption, delay in transmission,
computer virus or any use of or access to any other websites linked to this website even if GFCS or a GFCS authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall GFCS’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.
GFCS also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
GFCS reserves the right to terminate your access to any or all of the website and/or online facilities at any time, without any notice, for any reason whatsoever. GFCS also reserves the right to disclose any information deemed necessary to comply with any applicable law, regulation or legal process, or to edit, remove, or refuse to post any information or materials at its sole discretion.
GFCS neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
You are entirely responsible for maintaining the confidentiality of your own passwords and account details. You are also entirely responsible for any transactions or activities that occur under your account, regardless as to whether such transactions or activities were made with or without your knowledge or authority. GFCS shall not be liable for any damage, loss or other liability incurred by you arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts and passwords by any third parties. However, you may be held liable for any damage, loss or other liability incurred by GFCS for any wrongful use of your account and/or password. You shall report to GFCS immediately if you know or have reason to suspect that the security of your password and/or account may have been compromised or used by another person without authority.
You agree to fully indemnify, defend and hold harmless GFCS from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) suffered by GFCS arising from or in connection with: (i) your access to or use of this website and/or online facilities (ii) any other party’s access to or use of this website and/or online facilities using your account and/or password (iii) your breach of any of these terms or (iv) any other party’s breach of any of these terms where such party was able to access or use this website and/or online facilities using your account and/or password.
GFCS’s own records of the transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this website and/or online facilities including access to your policy records and our on-line services will be recognized as your electronic signature and will be legally binding. You accept that electronic records will be admissible as primary evidence in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.
All notices or other communications given by us to you if:
sent by post or left at your last known address will be deemed to be received by you on the day following such posting or on the day when it was so left or
communicated through any print or electronic media as we may select will be deemed to be notified to you on the date of publication or broadcast.
No failure or delay by GFCS in exercising or enforcing any right or option under these terms shall operate as a waiver of it or limit, prejudice or impair GFCS’s right to take any action or to exercise any right against any person or render GFCS responsible for any loss or damage arising therefrom or in connection thereto.
The invalidity, unlawfulness, or unenforceability of any provision in these terms in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.
Unless otherwise expressly set forth herein, GFCS makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by GFCS. No security, insurance product or other product or service is offered or will be sold by GFCS or, if sold by GFCS, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
Any information, other than personal data, that you transmit to GFCS via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of GFCS. Such information, other than personal data, may be used by GFCS for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. GFCS is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to GFCS via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. To the fullest extent permitted by applicable law, you waive all applicable rights you may have in any information (other than personal data) you transmit to GFCS via this website or otherwise. Any personal data submitted to us using this website will be subject to our Statement of Personal Data Protection.
Your policy records are confidential and GFCS has taken steps to safeguard this confidentiality. However, your co-operation is required in order for the confidentiality of your policy records to be maintained. In particular, you are required to take the necessary precautionary measures to ensure that no unauthorised access is given to your policy records, your password and access to this website and/or online facilities. You must not allow anyone other than yourself access to these records. You agree to notify us immediately if you should suspect that your policy records have been accessed by an unauthorised person.
All intellectual property rights (including trademarks, service marks, trade names, company names, logos, icons, slogans, copyrights, domain names, patents, design rights, utility models, database rights, know-how, trade secrets and all other intellectual or industrial property rights including, where such rights are obtained or enhanced by registration, any registration of such rights (including the right to apply for such registrations) and applications therefor (including the right to claim priority)) relating to this website or the contents of this website are the property of, or licensed to, GFCS. Other than as expressly set out in these terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of such intellectual property rights without the written express permission of GFCS or the relevant licensors or
owners of such intellectual property rights. Your use of such intellectual property rights, or any other content on this website, except as provided herein, is strictly prohibited.
While there is inherent risk in transmission of information over the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, please use up-to-date internet browsers and operating systems which are updated with current security patches.
A person who has not agreed to be bound by these terms shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.
These terms are governed by the laws of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts of Singapore.
Definitions
In these terms and conditions:
"Email Notification" means the email we send you.
"Policy" means any policy that you have acquired with us or any product that we offer.
Email Notifications
Email Notifications will be sent to the email address that you provide to us when you complete a new Policy application or update your preferences through this GFCS website. You understand and agree that email is not secure or reliable and may not be received promptly or at all.
The Email Notifications will never ask you for personal, login or account information.
You agree to ensure that the email address you provided to us is correct and current. If our Email Notifications to you are undeliverable after three attempts, we will cease sending any future notifications.
Changing your preferences
You can change your preferences at any time. Changes to these preferences can be made through GFCS website.
Changes to these terms and conditions
We may update these terms and conditions from time to time. When a change is made, we will provide you with written or electronic notice.
Other terms and agreements
These terms and conditions are not intended to and will not supersede or replace the general terms of use of this GFCS website. All existing agreements between you and us relating to your Policy continue to apply. These terms and conditions are considered an addition to any of these other terms or agreements. In the event of inconsistency or conflict between these terms and conditions and any of the aforesaid terms or agreements, these terms and conditions shall prevail.
Responsibilities
We are not responsible or liable for any damage, loss or inconvenience you may incur in connection with our electronic delivery. This includes but is not limited to:
Being unable to print, store or save any document.
Being unable to access current or prior document as a result of any failure, error or malfunction, even if the failure, error or malfunction was a result of our negligence or the negligence of our employees, agents or representatives.
Further, we make no representation to you that this online facility will continue to be made available to you.
We are not responsible if you do not receive an Email Notification from us. You are not relieved from any obligation you have under your account terms or agreement if you do not receive an Email Notification or if you are not able to access this GFCS website. Your obligations with respect to account verification continue to apply.
Governing law
This agreement will be governed by the laws of Singapore.
Revoking your consent
You may revoke your consent to receive Email Notifications from us at any time by updating your preferences through GFCS website. Revocation of your consent takes effect immediately.
Last Updated: 01 August 2023
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