The Board of Directors of CapAllianz Holdings Limited (the “Company”) is committed to uphold good corporate governance within the Company and its subsidiaries (the “Group”). This commitment to corporate governance is seen in the Company’s compliance with the Singapore Code of Corporate Governance and in the Company’s efforts to observe high standards of transparency, accountability and integrity in managing the Group’s business in order to create value for its stakeholders and safeguard the Group’s assets. The Company will continue to enhance its corporate governance practices appropriate to the conduct and growth of the Group’s business and review such practices on an ongoing basis.

Please refer to the Corporate Governance Report in the Company’s latest annual report for more details. 

Privacy Notice

This Privacy Notice is issued by the Group. As part of its day-to-day business, the Group will collect your Personal Information when you apply to open an account with us, subscribe to any of our products or services or communicate with us. In return, we may use this information to provide you with our services, maintain our records or send you relevant information.

Under the Personal Data Protection Act 2012 (“PDPA“), we are required to inform you:

(i) of the type of Personal Information, we collect and how we collect it;

(ii) how we use your Personal Information; and

(iii) the parties that we disclose the Personal Information to.

Your privacy is therefore important to us and we are committed to protecting your Personal Information by collecting and using your Personal Information in accordance with the PDPA.

For the purposes of this Privacy Notice, please note that:

“Company” refers to CapAllianz Holdings Limited, while “Group” or “We” refers to CapAllianz Holdings Limited and all its direct and indirect subsidiaries.

“Personal Information” refers to any information which relates directly or indirectly to you and/or your transactions with us. This information may include your name, NRIC number, address, occupation, contact details, details of your account(s), the type of products and/or services subscribed to and such other necessary information regarding yourself and your transaction(s).

1. The Kind Of Personal Information We Collect And How We Collect It

In order to enable us deal with your inquiries or to provide you with our products and services, we may be required to collect, use, disclose and store (i.e. “process”) your personal and/or financial information. Such personal and/or financial information is required amongst others to:

a) establish your personal identification and background;

b) establish your financial standing and creditworthiness where required; and

c) supply you with any of our products and/or services applied for.

We may also obtain the above information about you from the following sources:

a) Your relationship with us, for example information provided by you in application forms you completed through the agreements you entered into with us, or in the course of establishing and maintaining a client relationship with us regarding an investment product;

b) Your verbal, written and/or electronic communications with us, our subsidiaries or authorised agents;

c) Third parties connected with you, such as your employer, joint account holder, security providers and guarantor(s) subject to your prior consent;

d) Due diligence conducted to establish your financial standing and creditworthiness before successful subscription to our investment products;

e) Your access and use of our services, transactions you make and payments effected through your account(s); and/or

f) Any other sources which you have given your consent to disclose information relating to you and/or where not otherwise restricted.

The Personal Information we collect can be either mandatory or optional. Mandatory Personal Information is your information that we require so that we can provide you with the requested products and services. If you do not provide us with the mandatory Personal Information, we will not be able to provide you with those products and services. Optional Personal Information are your information that are not obligatory to be provided to us. If you do not wish to provide your optional Personal Information, you may still apply for our products and services. Mandatory and voluntary Personal Information may differ for our various products and services and these will be indicated in the application forms of our products and services.

2. How We Use Your Personal Information

Other than as stated above, we may use your Personal Information for one or more of the following purposes:

a) To complete your transaction of the requested investment product, as well as to confirm the transaction to you;

b) Access and manage your application(s) for our products and services so that we can provide you with more and up-to-date information such as company and fund performance updates to the existing investment products, development of new products and services which may be of interest to you;

c) Manage and maintain your account through regular updates, consolidation, and improving the accuracy of our records. In this manner we can respond to your enquiries, complaints and generally resolve disputes quickly so that we can improve our business and your relationship with us;

d) Produce data, reports, and statistics from time to time, however, such information will be aggregated so that your identity will remain confidential. Sometimes it may be necessary if required, to verify your financial standing through credit reference/reporting checks;

e) Comply with the requirements of any law binding on us such as conducting anti-money laundering checks, crime detection/prevention, prosecution, protection, or enforcement of our rights to recover any debt owing to us including transferring or assigning our rights, interests, and obligations under any of your agreement with us;

f) Perform shared services within the Group such as audit, compliance, legal, human resource, risk management including assessing financial and insurance risks;

g) Outsourcing of business and back-room operations within the Group; and

h) Any other purpose(s) that is required or permitted by any law, regulations, guidelines, and/or relevant regulatory authorities.

We will seek your consent before using your Personal Information for a purpose other than those that are set out in this Privacy Notice and/or in the terms of any of your agreement(s) with the Group.

3. Disclosure of Your Personal Information

As part of providing you with our products and services we may be required to disclose certain information about you and/or your accounts with us to the following third parties:

a) our agents, service providers, vendors, and/or professional advisers who assist us in processing, administering, fulfilling transactions, or providing value-added services that you have requested;

b) any person authorised or appointed by you to give instructions to us on your behalf such as your agents, accountants, auditors, lawyers, financial advisers, brokers, and intermediaries;

c) any person(s) connected to the enforcement or preservation of any of our rights or transferring the rights and obligations under your agreement(s) with us;

d) other financial institution(s) to fulfill the transactions required by you; and/or

e) any competent authority(ies) and/or regulator(s), including foreign regulator(s) for the performance of their functions, subject at all times to any laws, including foreign laws applicable to the Group.

Otherwise, we will not disclose your information to others, except where:

a) you have opted-in for purposes of marketing of third-party products;

b) we are required or permitted to do so by law; required or authorised by any order of court, tribunal or authority, whether governmental or quasi-governmental with jurisdiction over the Group;

c) we may transfer rights and obligations under our agreement(s) with you; and/or

d) we are required to meet our obligations to any relevant regulatory authority.

But rest assured, that at all times, we will respect and protect the privacy and confidentiality of your personal information. The Group will not release or sell your personal information to external or third-party vendors.

4. Revisions to the Privacy Notice

The Group’s Privacy Notice may be revised from time to time and if there is/are any revision(s), it will be posted on the Company’s corporate website and/or other means of communication deemed suitable by the Group. However, any revision(s) will comply with PDPA.

5. Enquiries/Complaints

If you have any enquiries or complaints concerning this Privacy Notice, you may contact:

Attn: Data Protection Officer

CapAllianz Holdings Limited

Address: 8 Wilkie Road #03-01 Wilkie Edge Singapore 228095

Tel No.: 6826 2549

E-mail : DPO@capallianzholdings.com 

Disclaimer

CapAllianz Holdings Limited and together with its subsidiaries (the “Group”) endeavour to ensure the accuracy and reliability of the information provided, but do not guarantee its accuracy and reliability and accept no liability (whether in tort or contract or otherwise) for any loss or damage arising from any inaccuracies or omissions. Under no circumstances shall the Group be liable for any loss or damages resulting from the use of the information provided on this website.

No material contained on this website may be modified, copied, transmitted, distributed, and/or reproduced without the Group’s prior written consent. The Group reserves the right to take legal action against any party for any loss or damages resulting from modifying, copying, transmitting, distributing, and/or reproducing any material contained on this website. If there is any inconsistency or ambiguity between the English version, Chinese version, and other languages, the English version shall prevail.