'Private Policy

VMom 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. VMom 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 VMom 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 VMom. 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. VMom is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to VMom 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 VMom collect?
VMom 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 VMom. If you request information about insurance product and service rate(s) from VMom, VMom may ask for your contact information in order to send you this product information. The information collected on the VMom site is not shared with third parties unless we are required to do so by law.

VMom 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?
VMom 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 VMom. Standard practices require these personnel to preserve the confidentiality of user information they receive while performing their jobs and conducting the business of VMom.

How does VMom use my information and what is the benefit to me?
VMom 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 VMom, the information will become subject to the privacy policy of VMom.

VMom may send you e-mail about services and products offered by the Company. An opt-out function is available on the VMom site if you do not wish to receive these e-mail messages.

Does VMom disclose collected information to third parties and can I choose how VMom uses the information?
Third parties may offer services which are accessible from this Web site, including access to information delivered over the Internet. VMom 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.

VMom may share personal information with VMom to provide services to you and inform you of services, news and products which may be of interest to you.

VMom 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 VMom, with third party providing services for VMom, 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.

VMom 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. VMom 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:
VMom 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 VMom 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.