Information you give us
We receive and store any information you enter on our web site when you register
with us or give us in any other way, such as your e-mail address, name, home
or work address or telephone number. Several of the services that we offer on
our sites, may require registration as a condition of use.
We also collect anonymous demographic information that is not unique to you,
such as your age, gender and personal interests. This allows us to provide services
and features that most likely meet your needs and to customize our service to
make your experience easier.
We may also receive information about you from other sources and add it to the
information you have provided to us.
Automatic Information
We receive and store certain types of information whenever you interact with
us, for example, your IP address, browser type, domain names, access times and
referring Web site addresses.
We use "cookies", which store small amounts of data on your computer
about your visit to any of our sites to allow us to track general traffic patterns,
user profiles and preferences, number and frequency of users when your Web browser
accesses 'Income coop'.com. However, cookies tell us nothing about who you are
unless you specifically give us personally identifiable information. You do not
need to have cookies turned on to visit most of our sites, although participation
in certain areas of our sites may require cookies. In addition, you may choose
not to allow cookies to be collected by selecting the appropriate options on
your browser.
We use tracking technologies in different ways, including:
Keeping count of return visits to our sites or our advertisers' or strategic
partners' sites;
Accumulating and reporting anonymous, aggregate, statistical information
on web site and advertisement usage;
Determining which features users like best; and
Saving your password so you do not have to re-enter it each time you visit
our sites.
This information is used for the operation of our service, to maintain the
quality of our service, and to provide general statistics regarding use of our
website.
Please bear in mind that if you directly disclose personal information through
forums, this information may be collected and used by others.
Third Party Advertisement Servers
Some of our advertisers use third-party companies to serve their advertisements
on our sites and in some cases, in our HTML-formatted newsletters. Often, these
third-party advertising companies employ cookie and web bug technologies to measure
advertisement effectiveness. We do not give any personally identifiable information
to them as part of this relationship. Use of their tracking technology is subject
to their own privacy policies.
How we use the information?
We use the information we gather for the following purposes:
To customize our site's advertising, content, layout and services
To resolve disputes and troubleshoot problems
To improve our marketing and promotional efforts and product offerings
To enhance customers' experience in our network of sites
To fulfill your requests for certain products and services, such as sending
out e-mails, processing your online shopping or service requests and enabling
customers to participate in surveys, contests and forums
To send you information on topics targeted to your interest, such as targeted
banner advertisements, administrative notices, product offerings and communications
relevant to your use of the site
How we share or disclose the information?
We may disclose your personal information under certain circumstances where:
we have your consent to share the information
we have engaged external companies to work with or on behalf of [NTUC Income]
to provide a product or service that your have requested
we use internal service providers to facilitate our services (e.g. surveys,
discussion forums)
you use co-branded services. When you use a co-branded service within our
network of sites you grant us permission to pass your registration information
back to that external service partner
you participate in contests or other promotional programs on our site sponsored
or organized by third parties, or purchase goods and services offered by third
parties
we buy or sell a business, and customer information is one of the transferred
assets
we share our data with our subsidiaries, joint ventures and strategic partners
that are committed to serving your online trading needs and related services
we respond to court orders or legal processes, or we believe that your actions
violate applicable laws, our Terms of Use or any usage guidelines for specific
products or services, or threaten the rights or property of 'Income coop', our
users or others
We strictly protect the security of your personal identifiable
information.
We secure your personal information in a controlled, secure environment, protected
from unauthorized access, use or disclosure, using industry standard security
techniques. We also limit access of personal information about you to certain
employees who we believe reasonably need the information to provide services
to you.
When highly confidential information is transmitted over the Internet, it is
protected through the use of encryption, such as the Secure Socket Layer (SSL)
protocol.
While we take all reasonable steps to safeguard the confidentiality of your personal
identifiable information, "perfect security" however does not exist on the
Internet. It is therefore also important for you to protect yourself against
unauthorized access to your password and to your computer by logging out the
web site when you are finished.
What other options do you have?
Users who would rather not provide any of the user data requested by our registration
process do not need to register with us. You can still browse and view much of
our content and use many of the services offered by our sites without registering.
We also give users the following options:
opting not to receive e-mails or newletters from us or third parties. Users
who opt-in may remove themselves from the mailing lists at any time if they so
wish
opting not to provide certain personal information when registering for a
site;
adding or updating certain personal information collected during registration
for any site at any time and as often as necessary;
opting to disable "cookies" or prevent your browser from accepting new
cookies, by clicking on the "help" portion of your toolbar.
Changes to the Privacy Policy
We will occasionally update this Privacy Policy to reflect company and customer
feedback. All modifications to our privacy practices will be reflected by the
posting of the amended terms on our web site.
In addition, if there is a material change in our privacy practices, we will
indicate on our sites that our privacy practices have changed and provide a link
to the new privacy policy.
If we are going to use the information in a manner materially different from
that stated at the time of collection we will also notify you of the amendments
by administrative notices, announcements or e-mails.
Contact Information
If you have questions or comments regarding this policy, we welcomes you to contact
us by e-mail at webmaster@income.com.sg or
to our corporate address at:
75 Bras Basah Road
NTUC Income Centre
Singapore 189557
