Craftsmen recognizes and shares the privacy concerns
of visitors to this Web site. Several measures are
taken on this site to safeguard your personal
information while providing personalized services to
you. Craftsmen is committed to maintaining best
Privacy Practices to create, as far as possible, a
secure Internet environment for our customers. We
encourage our customers to similarly observe best
practices that are within their control.
Our mutual best practices include:
Collection Of Customer Information
We will collect and use customer information as
minimally as possible, mainly to assist in customizing
and delivering services and products that are of
interest to our customers.
Handling Of Customer Information
We have established strict confidentiality standards
for safeguarding information on our customers.
Disclosure Of Customer Information
Unless we have the customer's agreement or are
required by law, we will not disclose customer
information to external parties.
Compliance By External Parties
External parties providing support services to us,
which may bring them in contact with customer
information, are required to observe our privacy
standards.
Ownership of Information
Any information, other than personal data or
information, you transmit to Craftsmen 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 Craftsmen. Such
information, other than personal data or information
may be used for any purpose, including, but not
limited to, reproduction, solicitations, disclosure,
transmission, publication, broadcast, and posting.
Craftsmen is free to use any ideas, concepts,
know-how, or techniques contained in any communication
you send to Craftsmen via this website or by any other
means for any purpose whatsoever, including, but not
limited to, developing and marketing products using
such information.
By buying any of our products online from this
website, you agree that our electronic records of your
online application and all information in relation to
such application will be admitted as evidence in any
court of law in Singapore as original documents and
that you will not challenge or dispute their
admissibility, authenticity or accuracy in any such
proceedings.
What personal information does Craftsmen collect?
Craftsmen asks for information necessary to provide
you with up-to-date, personalized data from this Web
site, to develop and improve products and services
offered by means of this Web site, and to maintain and
improve customer service. This information includes
your name, e-mail address, and information about pages
you have requested from Craftsmen. If you request
information about insurance product and service rate(s)
from Craftsmen, Craftsmen may ask for your contact
information in order to send you this product
information. The information collected on the
Craftsmen site is not shared with third parties unless
we are required to do so by law.
Craftsmen uses "cookies" to gather statistical
information concerning Web traffic and usage patterns.
Cookies do not track your name, e-mail address, or
similar personal information.
Is my information secure?
Craftsmen takes several measures to handle your
information securely. Access to this Web site's
servers is limited to employees, agents, and Financial
Advisor partners of Craftsmen. Standard practices
require these personnel to preserve the
confidentiality of user information they receive while
performing their jobs and conducting the business of
Craftsmen.
How does Craftsmen use my information and what is the
benefit to me?
Craftsmen uses the information to generate accurate
rates, provide a content-rich user experience and to
improve this Web site. In addition, if you purchase
any product through Craftsmen, the information will
become subject to the privacy policy of Craftsmen.
Craftsmen may send you e-mail about services and
products offered by the Company. An opt-out function
is available on the Craftsmen site if you do not wish
to receive these e-mail messages.
Does Craftsmen disclose collected information to third
parties and can I choose how Craftsmen uses the
information?
Third parties may offer services which are accessible
from this Web site, including access to information
delivered over the Internet. Craftsmen is not
responsible for the privacy practices or the content
of any other Web sites that are linked to or from this
Web site. Any information you provide to these third
parties will be subject to their respective privacy
policies, and not to this privacy policy. Please read
third parties' privacy policies carefully before
sending such third parties any personal information.
Craftsmen may share personal information with
Craftsmen to provide services to you and inform you of
services, news and products which may be of interest
to you.
Craftsmen participates in several insurance industry
supported databases. Your information may be shared in
the normal business of conducting insurance
operations. Your information may be shared if you
become a customer or claimant of Craftsmen, with third
party providing services for Craftsmen, such as claims
investigations, appraisals, or the detection of fraud
or material misrepresentations:
How can I change or delete my personal information?
If you have any questions about this privacy policy,
or if you would like to change any of your information
on file with us, please send us your feedback.
Craftsmen Internet Security Technology
We understand the concerns on security from customers
when they transact over the Internet. We have
therefore built a security system for online banking
that safeguards the confidentiality of our customers'
account information and their banking and other
transactions.
We employ several different methods to protect
customers' account and personal information:
Firewalls
We have, in place, multiple levels of firewalls
between our internal computer systems and the
Internet.
Encryption
Strong encryption protects customer information as it
travels over the Internet. We use the 128-bit Secure
Sockets Layer (SSL) encryption to protect the
confidentiality of customers' account details and
transaction data. This 128-bit SSL encryption is the
commercially available security protocol for
encrypting or scrambling data transmitted over the
Internet. It is also currently recognized
internationally to be of the highest standard in
encryption technology commercially available and is
generally adopted by banks in Singapore and financial
institutions worldwide.
Username and Password
Only your valid Username and Password which identify
you uniquely, will allow you to log in to our secure
web site(s). This ensures that messages from
authorized users only are admitted into our secure
site(s).
Automatic Log Out
As an additional security measure, our system may log
you out of your Internet session if there is no
activity after a specific period. We are committed to
constantly monitor our Internet security system for
potential situations that could compromise security or
the privacy of our customers. In addition, we are
committed to continuously explore new technology to
enhance our Internet security system.
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. Craftsmen 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.
PLEASE NOTE OUR LIABILITY TO YOU REGARDING THE
PROVISION OF OUR INTERNET SERVICES, WHICH MAY BE FOUND
IN THE FOLLOWING TERMS AND CONDITIONS:
Craftsmen
Terms and Conditions
We strongly recommend that you observe the following
best privacy and security practices at all times:
Managing Your Username and Password
Your Username and Password identify you when you use
our Internet services. If any of these becomes invalid
or ceases to have effect, it is imperative that you
inform us by calling the direct hotlines for the
respective services.
Ensure that no one can see your Password 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 (without exception) to use your
Username and Password, as you are responsible for all
transactions undertaken with your Username and
Password.
Do not base your Password on your username, personal
telephone number, birth date or other personal
information.
Memorize your Password and do not record it anywhere.
Change your Password regularly.
Do not use the same character more than twice for your
Password.
Do not recycle your recently used Password.
Change your Password IMMEDIATELY if you suspect that
someone knows them.
The same PIN should not be used for different
websites, applications or services particularly when
they relate to different entities.
Do not select the option on your browser for storing
or retaining user name and password.
Note: No staff members of Craftsmen should ever ask
you for your Password for whatsoever reasons.
Take Precautions Against Your Password Keystrokes
Being Captured
Exercise the necessary precautions to protect your
personal computer against viruses and other malicious
programs. Aside from damaging and/or destroying data,
viruses and malicious programs can capture your
password keystrokes and other personal information and
send them to another person without your consent.
Precautions that you can take include the following:
Ensure that you install an effective personal firewall
as well as anti-virus and anti-Trojan horse softwares.
These should be updated regularly.
Do not download any software from a web site that is
of doubtful origin.
Ensure that you install an effective anti-virus
software and update it regularly.
Do not open any e-mail or attachment that is from a
source unknown to you. When in doubt, delete such
e-mail without opening it.
Remember To Log Out
Always remember to log out of your Internet session
when you have completed your Internet transactions or
even when you need to walk away from your computer for
just a minute. Do not leave your computer unattended
while Internet transactions are being processed.
Clear Your Browser's Cache
Default files on a computer, sometimes called 'cache'
files, can retain images of data sent or received over
the Internet, making them a potential target for a
system intruder. Therefore, we strongly advise that
you clear your browser's disk cache after each
Internet session.
Select 'Tools' from the Menu bar (if you are using IE
5)
Select 'Internet Options'
Select 'General' tab
Click the 'Delete Files' button under Temporary
Internet Files and answer 'OK'
Click 'OK' to exit the dialog box
Avoid Sharing Personal Computers (PCs)
Avoid using shared PCs or public PCs such as those
found in cyber cafes to perform Internet transactions.
If there is a need to do so, kindly satisfy yourself
thoroughly that the PCs are free from viruses and be
sure to clear the browser's cache when you have
completed your transactions.
Update Your Browsers
You should update your browsers and application
software to support 128-bit SSL encryption or a higher
encryption standard.
Inform Us Immediately Of Suspected Invasion Of Your
Privacy Or Of Unauthorized Transactions
If you suspect that your privacy has been invaded or
that your account(s) has/have been accessed by
unauthorized persons, please change your Password
immediately and contact us by calling the direct
hotlines for the respective services. Check your
account statements to see if any transaction has been
performed without your authorization. Should there be
any unauthorized or unusual transactions, please
notify us immediately.
You should check your account statements regularly and
notify us promptly of any errors. At the minimum, you
should check your account statements at least once at
the beginning of each month.
E-Mail Security
As information submitted via e-mail is not encrypted
during transmission, it is important that you do not
indicate your account or credit card number nor convey
any confidential information or banking or other
instructions in your enquiries and/or comments.
Additional Recommended Good Practices To Safeguard
Your Online Security
Remove file and printer sharing in your computer,
especially when you have Internet access via cable
modem, broadband connection or a similar set-up.
Make regular backup of critical data.
Consider the use of encryption technology to protect
highly sensitive data.
Do not install junk software or run programs of
unknown origin.
Delete junk or chain emails.
Do not open email attachments from strangers.
Do not disclose personal, financial or credit card
information to little-known or suspect websites.
Do not use a computer or device which cannot be
trusted.
Spyware is an emerging internet security threat.
Advertised as a means to improve internet connection
speed and gain other benefits, some spyware, when
installed, redirect and reroute the internet
connections of users through the spyware servers.
Communication traffic and customer transactions routed
through such servers are susceptible to unauthorized
access and disclosure. As a result, customer PINs,
passwords, usernames, credit card numbers, account
identifiers, financial transactions and other
confidential data might be exploited.
Customers are advised to regularly scan and protect
their computers from spyware, keystroke loggers,
viruses, worms and trojan horses using updated anti-spyware/anti-virus
software and firewalls.
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