We are committed to protect the security of our customers' transactions and the privacy of their personal information. We truly understand your concerns about transmitting and receiving confidential information online.

We employ a wide range of methods to ensure this security: The following are the security measures implemented.

• Physical security of our facilities and information stored in those facilities
• Information obtained is stored on a secured server
• Secure Socket Layer (SSL) is the encryption technology used in transmitting confidential and personal information between 'Income coop'.com and its users
• User passwords are encrypted in our database
• Multiple backup systems to ensure the security of data even in the case of a disaster.
• Additional verification procedures and second level password are implemented to protect more confidential information.
• Multiple levels of firewall between our internal computer systems and the Internet.
• Only valid Username and Password which identify user uniquely will be allowed to log in to our secure web site(s). This ensures that messages from authorized users only are admitted into our secure site(s).
• As an additional security measure, we may log users out the session if there is no activity after a specific period.

Security Guidelines

Your Role In Safeguarding Your Personal Data And Account Information
You are responsible for keeping your online Password confidential. Failure to do so exposes you to the risks of fraud and loss. We cannot be responsible for losses suffered by customers as a result of:

• input errors or misuse of its Internet services;
• negligent handling or sharing of Password;
• leaving a computer unattended during an online session;
• failure to immediately report known incidents of unauthorized account access.

Managing Your Username and Password
Your Username and Password identify you when you use our services.

Following are some of the guidelines on managing username and password

• Ensure that Password is not exposed when you log in to our system.
• Ensure that you keep your Password confidential at all times and do not divulge them to anyone.
• Do not allow anyone to use your Username and Password, as you are responsible for all transactions undertaken with your Username and Password.
• Do not use common, easy to guess as your Password like your username, personal telephone number, birth date or other personal information.
• Memorize your Password and do not write or record it anywhere.
• Change your Password regularly.
• Change your Password immediately if you suspect that someone knows them.
• Use different password for different websites.

Note: No staff member or vendor should ever ask you for your Password for whatsoever reasons. You must not reveal your Password under any circumstances.

Take Precautions Against Virus, Trojan Horse and Worms
Viruses and malicious software can capture password keystrokes and other personal information.

Take the following precautions:

• Ensure that you install anti-virus software. It should be updated regularly.
• Do not download any software from a web site that you do not trust.
• Do not open any e-mail or attachment that is from an unknown source.
• Update your operating system patches and service packs

Remember To Log Out
Always remember to log out from your [NTUC Income] session when you have completed your transactions. Do not leave your computer unattended while Internet transactions are being processed.

Clear Your Browser's Cache
We strongly advise that you clear your browser's disk cache after each Internet session. Default files on a computer, called 'cache' files, can retain images of data sent or received over the Internet, making them a potential target for a system intruder.