資料保障政策

内容

新加坡銀行有限公司
新加坡銀行有限公司（香港分行）
所有新加坡銀行有限公司適用
新加坡銀行歐洲財富管理公司（僅提供英文版本）
新加坡銀行有限公司（迪拜國際金融中心分行）（僅提供英文版本）
新加坡銀行信託有限公司（僅提供英文版本）
NEXTGEN Community（僅提供英文版本）

新加坡銀行有限公司

本文（「資料保障政策」）之目的是為告知您新加坡銀行有限公司和Bank of Singapore Nominees Pte Ltd 依據「新加坡個人資料保護法」（2012年第26號法令）（「法令」）管理「個人資料」（定義如下）之方式。請抽空閱讀本「資料保障政策」，以便您知曉並瞭解我們收集、使用和披露您「個人資料」的目的。

通過與我們往來、提交資料給我們、或註冊我們所提供之任何產品或服務，您同意並允許新加坡銀行有限公司和Bank of Singapore Nominees Pte Ltd （包括其相關之公司和海外分行與辦事處）（統稱為「公司」）及其各別代表及/ 或代理人（「代表」）（「公司」和「代表」以下合稱為「新加坡銀行」、「我們」或「我們的」）收集、使用、披露和分享您的「個人資料」，且同意並允許以本「資料保障政策」所載方式，披露此「個人資料」給「公司」授權之服務提供者及相關第三方。

本「資料保障政策」是為補充但不排除或取代您先前同意提供給新加坡銀行與您相關之「個人資料」，且您於此之同意是為任何「公司」在法律上收集、使用或披露您「個人資料」的任何權利之補充。

新加坡銀行可能不時更新本「資料保障政策」，以確保本「資料保障政策」符合我們未來發展、產業趨勢及/ 或任何法律或監管規定之變更。根據您法律上的權利，您同意接受我們網站不時更新之「資料保障政策」現行條款所規管。請定期回到該網站查閱有關處理您的「個人資料」的最新信息。

個人資料

於本「資料保障政策」中，「個人資料」是指（a）能從該資料中識別個人之任何資料，不論該資料是否屬實；或（b）我們能使用或可能使用的資料和其他信息，包括我們記錄中可能不時更新的資料。

您可能提供給我們的此類「個人資料」之範例包括（依據您與我們往來的性質）您的姓名、身分證（NRIC）、護照或其他身份辨識號碼、電話號碼、郵寄地址、電郵地址、交易資料和通過任何形式提交（包括通過生物識別資料之形式）或其他與您往來之形式，您可能提供給我們的任何個人相關之任何其他資料。
收集個人資料
1. 我們通常以下列方式收集「個人資料」：
  1. 當您提交任何表格時，包括但不限於您通過本「公司」購買之任何我們的產品或服務或任何投資相關之申請表格或其他表格；
  2. 當您簽訂任何協議或提供與我們往來相關之其他文件或資料時，或當您使用我們的服務時；
  3. 當您與我們的人員往來時，包括客戶經理及其助理，例如以電話（可能會錄音）、信件、傳真、面對面會議和電郵等方式往來；
  4. 當您在我們處所時，我們通過閉路電視攝影機（"CCTVs"）擷取您的影像，或當您參加我們主辦的活動時，我們或我們的代表通過相片或影片擷取您的影像；
  5. 當您通過網路和其他科技平台使用一些我們提供的服務時，例如：網站和應用程式，包括當您建立任何我們的網路賬戶時；
  6. 當您要求我們聯繫您或將您包括在電郵或其他郵寄清單中時；或當您回覆我們的其他「個人資料」、我們的宣傳及其他計劃方案之請求時；
  7. 當我們的營銷代表、代理人和其他服務提供者與您聯繫以及您回覆他們時；
  8. 當我們尋求關於您的資料及從您和我們往來相關之第三方接收您的「個人資料」時，例如從引見人、商業夥伴、外部或獨立資產經理、官方機構或相關當局；
  9. 通過實體、網路和信息科技監測過程；
  10. 與您或任何「關聯人士」相關之任何調查、訴訟、登記或職業性紀律事項、刑事起訴、研訊或調查；及/ 或
  11. 基於任何其他原因，您提交您的「個人資料」給我們時。
2. 您通常以匿名方式瀏覽我們的網站及平台，但請查閱下方 cookies（全球信息網中、不經使用者之認可就由伺服器電腦直接寫入使用者硬碟中的小型文字檔案）之條款。我們不會自動在我們的網站及平台收集「個人資料」，包括您的電郵地址，除非您提供此類信息或以您的賬戶憑證登入。
3. 若您提供我們與第三方相關之任何「個人資料」（如您的配偶、子女、父母或「關聯人士」之資料），當您提交該項信息時，代表您已取得第三方之同意，並基於其各自目的而提供其「個人資料」給我們。「關聯人士」包括但不限於任何實益擁有人、授權簽署人、董事、股東、公司主管、合夥人或合作夥伴、財產授與者、受託人、信託的實益擁有人、保護人或授權人、委託書持有人、授權書持有人、擔保人、第三方抵押品提供者、資金提供者、創始人及/ 或員工、指定付款之受款人、代表、代理人或代名人。
4. 您應確認所有提交給我們之「個人資料」為完整、準確、屬實且無誤。若您無法提供前述資料，可能導致我們無法提供您所要求之產品和服務。您同意立即通知新加坡銀行可能使以前提供的任何資料或「個人資料」不準確、不屬實或不正確之任何事實或情況變更，並同意提供新加坡銀行可能合理要求之任何信息或文件，以驗證更新信息或「個人資料」之準確性。
收集、使用和披露您的個人資料之目的
1. 新加坡銀行一般而言基於下列目的收集、使用和披露您的「個人資料」：
  1. 回覆、處理及管理您的投訴、查詢、請求、意見反饋及建議；
  2. 驗證您的身分和客戶盡職調查；
  3. 管理「公司」行政運作與業務營運及遵循內部政策和程序（包括但不限於促進營運持續計劃）；
  4. 稽核目的；
  5. 驗證或確認您的或您賬戶的交易訂單或指示（包括但不限於資金轉移或匯款指示）；
  6. 協助涉及與任何「公司」相關之企業資產交易（可能涉及任何合併、收購或資產出售）；
  7. 基於任何條列於此之目的，比對與您相關之所存留的任何「個人資料」；
  8. 解決投訴及處理請求和查詢；
  9. 防止、偵測和調查犯罪，包括詐騙和洗錢或資助恐怖分子，以及分析和管理商業風險（包括但不限於防止和偵查新加坡銀行專有和敏感資料之損失）；
  10. 專案管理；
  11. 提供如投訴或法律訴訟相關之媒體公告與回應；
  12. 請求意見反饋或參與調查，並為我們統計、剖析或其他目的，進行市場調查及/ 或分析，以便設計我們的產品、瞭解客戶行為、喜好和市場趨勢，以及檢視、發展和提升我們產品與服務品質；
  13. 管理我們處所和服務之安全和保安（包括但不限於執行閉路電視監控和進行安全檢查）；
  14. 管理和準備事件與意外之報告；
  15. 安排活動、座談會或培訓；
  16. 依據下列情況，遵循新加坡銀行適用或預期遵循之收集、使用和披露「個人資料」之任何適用規則、法律和條例、業務守則或指南、契約義務、規定或約定協議：
    
    新加坡境內或境外現行及未來之任何法律約束或適用法律；
    
    新加坡境內或境外現行及未來之法律、監管、政府、稅務、執法或其他當局、或金融服務提供者之自行監管或業界機構或協會所提供或發布之任何指南或方針；
    
    基於其金融、商業、企業或其他利益或活動在相關當地或國外法律、監管、政府、稅務、執法或其他當局、或自我監管或業界組織或協會之管轄區或相關管轄區，新加坡銀行承擔或強制執行與當地或國外法律、監管、政府、稅務、執法或其他當局、或金融服務提供者之自行監管或業界機構或協會之任何目前或未來合約或其他承諾；
  17. 協助相關當局執法和調查；
  18. 與任何索賠、法律行動或法律程序相關（包括但不限於起草和審查文件、交易文件、取得法律建議和促進爭議解決）及/ 或保障及執行我們合約和法律之權利和義務；
  19. 檔案管理（包括但不限於倉儲儲存和檢索）；及/ 或
  20. 任何其他與任何上述相關之目的。
  即使您未持有我們任何賬戶或已終止這些賬戶，這些目的亦可能適用。
2. 此外，依據我們往來關係之性質，新加坡銀行基於下列目的收集、使用和披露您的「個人資料」：
  1. 若您是潛在客戶：
    
    評估您是否有資格開立我們的賬戶以及您的財務和銀行需求，並提供適合您需求的產品和服務類型之建議；
    
    評估和處理您對新加坡銀行提供之產品和服務所提出之任何申請或要求；及/ 或
    
    任何其他與任何上述相關之目的。
  2. 若您為持有新加坡銀行賬戶之客戶或「關聯人士」或與新加坡銀行客戶或任何抵押品提供者相關之根據在新加坡或其他地方提起之破產或破產訴訟之任命的管理人、執行人、清算人、法定受讓人、接管人、司法管理人或其他類似官員：
    
    開立、持有或終止賬戶及我們所建立或提供給您之銀行和信託服務；
    
    處理資金轉換或與新加坡銀行客戶賬戶相關之任何其他所提供之指示；
    
    通過您的電話號碼，指派給您的賬戶或投資組合服務之賬戶或客戶經理或代理人不時與您聯繫，以取得您的指示及/ 或向您提供信息、最新資料或建議及/ 或根據我們與您的協議之條款和細則；
    
    處理提供給您或您擔任擔保人或第三方服務提供者之其他人或公司之服務和信用工具之申請，以及協助這些服務和信用工具之日常營運；
    
    在申請信貸及定期或特別信用審查時進行信用查核；
    
    協助或處理新加坡銀行及其商業夥伴提供給您之保險產品及/ 或信託服務之申請；
    
    進行客戶檢視，例如：您的投資組合之年度審查；
    
    建立您的財務狀況、風險狀況、投資經驗及目標，以便協助您思考您已投資或意欲投資之產品適用度；
    
    提供網路銀行服務（包括但不限於執行個人識別碼郵件寄發及保安識別編碼的特殊操作請求）；
    
    建立維護客戶關係網絡；
    
    提供客戶服務（包括但不限於回覆客戶個人請求、郵件服務、對賬服務和提升客戶滿意度）；
    
    促進新加坡銀行旗下賬戶之間的資金轉賬，或從新加坡銀行賬戶轉賬資金至外部銀行賬戶，且反之亦然。
    
    執行例外核准、費用調整或豁免；
    
    處理和設計投資產品（例如債券、衍生工具、股票、基金）；
    
    登記您或擔保人或第三方抵押品提供者已授予新加坡銀行之質押或抵押，作為新加坡銀行授予您的信貸融通之擔保；
    
    管理信用卡和借記卡（包括但不限於處理卡申請、交易及信貸額度審核）；
    
    提供支票存款和開發服務；
    
    確定和收取您或您作為擔保人或第三方抵押品提供者之借款人或提供擔保或作為您的債務和義務之擔保人之欠款；
    
    使新加坡銀行外包之任何「公司」或第三方執行與您賬戶或交易管理相關之功能；
    
    使與（1）您或（2）提供擔保或做為您負債和義務擔保之抵押品提供者相關之新加坡銀行實際或提議受讓人或新加坡銀行權利、責任或義務之關係人或次關係人或受讓人評估做為轉讓、協商、再次協商或移轉主體之交易；及/ 或
    
    任何其他與任何上述相關之目的。
  3. 若您為引見人或其他中介人之員工或代理人：
    
    營銷服務和產品；
    
    處理佣金報酬；
    
    執行盡職調查與資歷查核；及/ 或
    
    任何其他與任何上述相關之目的。
  4. 若您為新加坡銀行外包或尋求之外部服務提供者或服務供應商服務供應商之員工、主管或負責人：
    
    管理專案投標或產品與服務之提供；
    
    處理及支付服務供應商服務供應商發票；及/ 或
    
    遵循任何適用規則、法律和條例、業務守則或指南或協助相關當局執法和調查（包括向監管機構披露或稽核審查）；及/ 或
    
    任何其他與任何上述相關之目的。
  5. 若您為交易訂約方或對手方（例如資金轉移或付款之受益人）：
    
    提供現金、付款和交易服務（包括但不限於相關交易之執行、清算、報告或 / 和結算）；及/ 或
    
    任何其他與任何上述相關之目的。
  6. 若您為新加坡銀行之董事：
    
    協助「董事會」之任命（包括但不限於管理年報和通函之董事資料發表）；
    
    遵循任何適用規則、法律和條例、實務守則或指引，或協助相關當局執法和調查（包括但不限於向監管機構披露或進行盡職調查）；
    
    行政事項（包括但不限於維持法定登記冊及提交董事費）；
    
    管理保險方案；及/ 或
    
    任何其他與任何上述相關之目的。
3. 此外，若「法令」許可，新加坡銀行亦可能基於下列目的收集、使用和披露您的「個人資料」（於我們文件和協議中可能是指為處理「個人資料」之「附加目的」）：
  1. 提供或營銷服務、產品和福利給您，包括促銷、忠誠度和獎勵方案；
  2. 比對無論是新加坡銀行或其他第三方提供之定制化、產品和服務、進行市場推廣或促銷進行市場推廣或促銷相關之「個人資料」和基於其他目的及從其他來源（包含第三方）收集之資料；
  3. 寄發產品、服務、特別優惠和獎勵細節及投資或研究報告或指南給您，通常傳送給我們的客戶或我們認為您可能感興趣的信息；及/ 或
  4. 進行市場研究、瞭解和分析客戶行為、地區、喜好和特徵，以便我們提供您產品和服務，以及可能與您偏好和檔案相關之特別優惠和營營銷方案。
4. 若您已提供您的新加坡電話號碼且表示您同意通過新加坡電話號碼接受營銷或促銷信息，新加坡銀行則可能不時通過該新加坡電話號碼（包括話音、訊息、傳真或其他形式）與您聯繫，提供關於我們產品和服務的信息（包括折扣和特別優惠）。
5. 與特定產品或服務或與您和我們的往來相關時，我們亦可能特別通知您我們收集、使用或披露您的「個人資料」之其他目的。若如此，除非另有明確通知，我們亦將基於此額外目的收集、使用和披露您的「個人資料」。
披露個人資料

新加坡銀行會採取合理方式保護您的「個人資料」，以免遭受未經授權之披露。受適用法律條例管轄，基於上述之目的（如適用），您的「個人資料」可能提供給下列機構或當事人，無論其是否位於新加坡境內或境外：
1. 新加坡銀行之相關公司和海外分行與辦事處；
2. 與您的賬戶交易相關之對手方及其各自銀行，包括買賣證券和投資產品、資金轉移、付款、開立備用信用證、銀行保證函或承諾書和支票提款；
3. 推薦信之第三方收件者；
4. 提供保險及/ 或轉保相關服務給新加坡銀行之公司；
5. 與您已申請或購買之保險產品或服務相關之保險公司或經紀人；
6. 您任命管理您持有的新加坡銀行賬戶之受託人、律師和資產管理人；
7. 轉介您給新加坡銀行的引見人；
8. 提供抵押品或擔保您於新加坡銀行負債和義務之任何人或 (2)您作為擔保人或第三方抵押品提供者之任何人；
9. 提供新加坡銀行管理或營運服務之代理商、承包商、服務供應商服務供應商、安裝商或第三方服務提供者，如提供新加坡銀行之快遞服務、電信、信息科技、付款、薪資、處理、培訓、市場研究、儲存、檔案、客戶支援調查服務或其他服務等；
10. 與新加坡銀行之市場推廣、提供產品和服務相關之代理商、承包商、服務供應商、或第三方服務提供者；
11. 協助我們交付我們的產品、服務、網站及平台，以及對其進行改進及優化的分析、搜索引擎提供商或第三方服務提供商；
12. 信貸報告機構；
13. 債務託收機構；
14. 您的僱主為金融機構，用於其內部監控或監測目的；
15. 涉及與任何「公司」相關之促進商業資產交易（可能擴及任何合併、收購或任何債務或資產出售）之任何商業夥伴、投資者、受讓人或承買人（實際或未來）；
16. 您持有信用卡之公司及其各自服務提供者；
17. 翻譯人員；
18. 我們專業顧問，如我們的稽核員和律師；
19. 與您、任何「關聯人士」或您於新加坡銀行持有賬戶相關之提供企業諮詢服務或盡職調查服務之第三方；
20. 對新加坡銀行或任何「公司」或任何由您簽訂的任何交易擁有管轄權之相關政府監管機構、政府部門、交易所、法定機構或當局或執法機構，例如新加坡金融管理局、新加坡證券交易所、會計及商業註冊局、破產與公共信託局、新加坡國內稅務局與慈善署署長，以及遵循新加坡證券交易所及/ 或任何其他相關證券交易所之上市和其他規定或指示；
21. 根據在新加坡或其他地方與您或您資產相關提起之破產、清盤或無力償債訴訟之任命的任何清算人、接管人、管理人、司法管理人、破產受託人、保管人或其他類似官員；
22. 對您質押或抵押給新加坡銀行的資產進行質押或抵押登記之第三方；
23. 您任命之公司服務提供者或律師；
24. 勘查員或估價師或與您將抵押或質押給新加坡銀行您的資產相關之其他第三方；
25. 中央公積金局（"CPF"）及其投資產品；
26. 與資產管理和投資產品清算處理相關之金融機構、經紀公司、結算所、存託者、存託機構、經理、行政人員、基金公司、註冊服務機構、託管人、外部銀行、「中央收托」、代理銀行和投資工具；
27. 與貸款還款義務執行相關之託收與收回機構；
28. 安排宣傳或營銷活動、座談會或培訓的第三方；
29. 使與（1）您或（2）提供擔保或作為您負債和義務擔保之抵押品提供者相關之新加坡銀行實際或提議受讓人或新加坡銀行權利、責任或義務之關係人或次關係人或受讓人評估做為轉讓、協商、再次協商或移轉主體之交易；
30. 依據對新加坡銀行或任何對「公司」具任何法律約束力或適用性之規定，新加坡銀行或任何「公司」具義務或依據其他規定必須披露之任何人；或任何新加坡銀行或任何「公司」該遵循之法律、監管、政府、稅務、執法或其他機構、或金融服務提供者之自行監管或業界機構或協會提供或發布之指引或方針，依據該指引或方針及其目的之披露；或依據新加坡銀行或任何「公司」與當地或國外法律、監管、政府、稅務、執法或其他機構，或金融服務提供者之業界機構或協會之任何合約或其他承諾之任何披露；所有這些披露可能在新加坡境內或境外，且可能為現行及未來之披露；及/ 或
31. 您授權我們披露您「個人資料」之任何其他當事人。
Cookies及相關科技之使用
1. 我們的網站及平台使用cookie和其他科技。Cookies是當您訪問我們的網站及平台時，放置儲存於您電腦或其他電子裝置之小型文字檔案，用於保存記錄目的。Cookies會儲存於您瀏覽器的文件目錄中，下次您訪問網站或平台時，瀏覽器將讀取Cookie並將信息轉發回最初設置Cookie的網站、平台或元素。根據cookie的類型，cookie可以儲存用戶偏好及其他資料。
2. 網絡信標（亦稱為像素標籤及透明GIFs）包含用戶看不見的圖形。追蹤鏈接及/或類似科技由幾行編程代碼組成，可以嵌入我們的網站或平台中。網絡信標通常與Cookie結合使用，並且主要用於統計分析目的。此項科技亦可以用於追蹤網站及平台上的流量模式，以及確定是否已接收及打開電郵以及查看是否有任何回應。
3. 我們可能會採用以下cookie及其他科技:
  1. 追蹤資料，例如訪客的數量及其使用頻率，訪客的概況及其首選站點;
  2. 使我們的網站及平台更易於使用。例如，Cookie可用於在將來加速您與我們的網站及平台的互動;
  3. 更好地根據您的興趣及需求，量身定制我們的產品及服務。例如，可以識別cookie資料並將其披露予我們的供應商及業務合作夥伴，以產生消費者洞見;
  4. 整理有關用戶搜索及瀏覽歷史的資料;
  5. 當您在我們的網站及平台上與我們互動時，我們可能會自動從您的瀏覽器接收並在我們的伺服器日誌中記錄資料。我們可能出於分析目的收集資料，統計及網站相關資料，包括但不限於於監測關於造訪者如何到達網站或平台之資料、造訪者使用何種類型瀏覽器、造訪者使用何種作業系統、造訪者之網際網路協定（IP）位址及造訪者之點閱串流資料和時間點（可能包括他們已查看了那些網頁、使用該網頁之時間及每個網頁花費之時間）;
  6. 使用此類資料了解人們如何使用我們的網站及平台，並幫助我們改善其結構及內容;
  7. 採用能令我們的網站及平台正常運行所必需的cookies，例如讓您能夠登入我們的網站及平台的安全部分的cookies；及/或
  8. 為您提供個性化的網站及平台，包括提供您可能特別感興趣的廣告，並使用Cookie相關資料幫助我們了解我們廣告的有效性。
4. 我們使用的部分cookies來自第三方公司，相關公司向我們提供有關網站及平台的網絡分析及情報。相關公司收集有關您與我們網站及平台互動的資料。我們使用相關資料來編制與網站、平台和其他華僑銀行網上內容進行互動的造訪者的統計資料，進而評估我們的溝通效果，並為造訪者提供更多相關資料。
5. 若您不同意使用Cookies，則可以調整瀏覽器的設置。除非您已調整瀏覽器設置以阻止cookies，否則，即使您先前刪除了cookies，我們的系統亦會在您訪問我們的網站或單擊我們發送給您的目標電郵中的鏈接時發布cookies
6. Cookies的管理方式取決於您的瀏覽器。以下鏈接提供了有關如何在每個瀏覽器中配置或禁用cookies的資料:
  1. Google Chrome: https://support.google.com/chrome/answer/95647?hl=en
  2. Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
  3. Internet Explorer: http://windows.microsoft.com/en-SG/internet-explorer/delete-manage-cookies#ie=ie-9
  4. Safari: http://support.apple.com/kb/HT1677?utm_source=Agillic%20Dialogue
  5. iPhone適用的Safari: http://support.apple.com/kb/ta38619
  6. Android設備適用的Chrome: https://support.google.com/chrome/answer/2392971?hl=en
  若您不同意我們使用本資料保障政策中規定的cookies及其他科技，則應通過相應地更改瀏覽器上的設置來刪除或禁用與我們的網站及平台相關的cookies。但您可能無法進入我們網站或平台的某些部分，同時亦可能會影響您在我們的網站或平台上的用戶體驗。
資料安全
1. 通過合理的安全措施，新加坡銀行會盡合理努力保護我們所有或控制之「個人資料」，以防止未經授權之存取、收集、使用、披露、複製、修改、出售或類似風險。然而，我們不能完全保證我們已從您收集或關於您的任何「個人資料」之安全，或者例如我們不能完全保證無有害程式碼將進入我們的網站（例如病毒、錯誤、特洛伊木馬程式、間諜軟體或廣告軟體）。您應瞭解使用網站相關之風險，並採取任何必要之預防措施。
2. 儘管我們努力保護您的「個人資料」，您通過網路或電子通訊或您使用我們的電子服務傳送資料給我們時，我們不能確保其安全性，且當您使用此類平台時，我們敦促您採取所有預防措施，以保護您的「個人資料」。我們建議您經常變更您的密碼、使用字母和數字組合之密碼且確保您使用安全之瀏覽器。
3. 若適用，您承諾維護您的使用者名稱和密碼之安全性和保密性，且不得或允許其向任何未經授權人士披露。您亦承諾若您知道或懷疑有他人知道您的使用者名稱和密碼或相信您的使用者名稱和密碼之保密性已喪失、被竊取或以任何方式遭盜用、或已發生實際或可能之未經授權交易，在合理可行的情況下會盡快通知我們。我們不承擔因任何安全漏洞、未經授權及/ 或欺詐性使用您的使用者名稱和密碼而導致任何損失之責任。
第三方網站

我們網站可能含有第三方營運之其他網站連結。針對我們網站連結之第三方營運網站之私隱隱權條例，我們概不負責。我們鼓勵您瞭解此類第三方網站之私隱政策。即使這些第三方網站不是由我們營運或維護，其有些可能與我們為聯合式標識或商標。一旦您離開我們的網站，您應查詢第三方網站之適用私隱權政策，以確定它們將如何處理從您收集之任何資料。
與我們聯繫 —— 意見反饋、撤銷同意、取得並修正您的個人資料
1. 若您：
  1. 有任何您「個人資料」或我們「資料保障政策」相關之問題或意見反饋；
  2. 希望撤銷本「資料保障政策」所載之同意使用任何您的「個人資料」；或
  3. 希望取得並修正您的「個人資料」紀錄，請以下列方式與我們聯繫：
    
    電郵： dpo@bankofsingapore.com
    
    電話號碼： +65 6559 8000
    
    郵寄地址：資料保護專員
    新加坡銀行有限公司
    63 號馬吉街
    #22-00新加坡銀行中心
    新加坡 048942
2. 請注意，若您的「個人資料」是由第三方（如Central Depository Pte Ltd ）提供給我們，您應直接聯繫該第三方，以便代表您向新加坡銀行進行查詢、意見反饋及提出使用與修正之請求。
3. 基於您請求的性質，若您撤銷同意使用您任何或全部之「個人資料」，新加坡銀行或任何「公司」可能無法繼續提供其產品或服務給您或執行現行之任何合約關係，亦可能導致您與新加坡銀行或任何「公司」簽訂之任何協議終止，且若您違反您的合約義務或承諾，新加坡銀行明確保留其法律權利和補救措施。
管轄法律

本「資料保護法」和您使用本網站均受新加坡法律之全面管轄。

電郵：	dpo@bankofsingapore.com
電話號碼：	+65 6559 8000
郵寄地址：	資料保護專員新加坡銀行有限公司 63 號馬吉街 #22-00新加坡銀行中心新加坡 048942

新加坡銀行有限公司（香港分行）

a. 本行可能不時有必要收集與各種事項（如設立或延續銀行/信貸設施、所提供的銀行/金融服務）和/或本聲明書所載宗旨有關之客戶及其他個人（例如：潛在客戶，為虧欠本行的債務提供或計畫提供保證或第三方擔保的人士，與非個人客戶有關聯的人士，包括該客戶之受益所有人及高級職員，或就信託而言，信託的受託人、委託人、保護人及受益人，以及與本行客戶關係相關的其他人士）的資料。該等資料可包括：向銀行提供的與銀行產品和服務相關的資料主體的個人資訊，資料主體的生物識別資料（如語音ID、指紋和面部識別資料），基於資料主體的移動設備和其他電子設備的地理位置資訊，代表資料主體的人或資料主體本人與銀行服務進行交易或使用銀行服務而產生的資料，通過公開管道、信用參考、債務催收和防欺詐機構取得的資料，以及客戶在使用銀行產品和服務時生成的其他資訊聚合和/或資料。在本聲明書中，客戶及其他個人合稱為“貴方”及/或“資料主體”。

b. 若未能提供此等資料可能會導致本行無法向貴方開設、提供或繼續提供銀行服務、銀行融資或投資相關服務，或無法遵守監管機構或其他當局頒佈的任何法律或指引。

c. 在銀行關係延續的正常過程中（例如：當資料主體簽發支票、存款、申請授信、發出指令或以其他方式進行作為本行所提供的服務之一部分的交易時）向資料主體收集資料的情況也是如此。這包括從信貸諮詢機構獲得的資訊。資料可直接向貴方或代表貴方行事的人士或其他來源收集（包括獲准加入多家個人信貸資料服務機構模式的信貸資料服務機構（下稱信貸資料服務機構），並與本銀行集團（定義見下文）可獲得的其他資料合併。資料也可由銀行或銀行集團其他成員生成或與之已有的其他資訊合併。考慮及評估客戶有關本行產品及服務的申請；

d. 與資料主體相關的資料的使用目的如下：

i. 考慮及評估客戶有關本行產品及服務的申請；

ii. 提供給資料主體的服務（包括但不限於處理銀行業務及/或其他金融服務和融資的申請，以及更新、比較及/或核實本銀行集團任何成員可能持有的客戶資料）及信貸融資的日常運作；

iii. 在適當的情況下（包括申請信貸或銀行融資時以及通常每年進行一次或多次的定期或專項審查時），為管理法律、監管、信用和操作的風險，進行信用檢查；

iv. 建立並維護本行的信用評分和風險相關模型；

v. 協助在香港特別行政區獲准加入多家個人信貸資料服務機構模式的信貸提供者（下稱信貸提供者）向資料主體提供服務、開展資信調查或債務催收；

vi. 確保資料主體的持續信用度和良好信譽；

vii. 為資料主體使用目的而開展調查、設計金融產品與服務（包括信用卡、銀行、證券、信託和投資服務或相關產品）；

viii. 行銷服務、產品及其他主題（詳見下文第（k）段）；

ix. 確定虧欠資料主體的金額或資料主體虧欠的金額；

x. 強制執行本行的權利，包括但不限於從資料主體收取未付款項及根據以本行為受益人的擔保文件行使本行的權利；

xi. 遵守適用於本行及/或本銀行集團的有關資料披露和使用的義務、要求或安排，或本銀行集團任何成員根據以下各項所應遵守的該等義務、要求或安排：

1. 現時及將來在中國香港特別行政區（下稱香港）內外對其具有約束力或對其適用的任何法（例如：《香港稅務條例》及其條文，包括有關自動交換金融帳戶資訊的條文）；

2. 現時及將來由香港特別行政區境內外的任何法律、監管、政府、稅務、執法或其他當局，或金融服務提供者的自律或行業機構或協會，所發出或頒佈的任何指引或指南（例如：香港特別行政區稅務局所發出或頒佈的指引、指南或要求，包括有關金融帳戶資訊自動交換的指引、指南或要求），以及任何國際指南、內部政策或程式；

3. 與當地或外國的法律、監管、政府、稅務、執法或其他當局或金融服務提供者的自律或行業機構或協會（下稱當局）達成的由本銀行集團任何成員承擔的或對本銀行集團任何成員施加的或適用於本銀行集團任何成員的任何現時或將來的合同承諾或其他承諾；及

4. 當局之間的任何協議或條約；

xii. 遵守任何義務、要求、政策、程式、措施或安排，以便在本銀行集團內部共用資料和資訊及/或根據集團範圍內為了遵守制裁或預防或偵查洗錢、恐怖融資或其他非法活動而制定的任何方案對資料和資訊進行任何其他使用；

xiii. 採取任何行動以履行本行或本銀行集團任何成員的義務，以遵守與下列各項有關的法律、國際指南或監管要求：偵查、調查及防止洗錢、恐怖融資、賄賂、貪污、逃稅、欺詐、逃避經濟或貿易制裁及/或規避或違反或企圖規避或違反與該等事項有關的任何法律；

xiv. 履行本行或本銀行集團任何成員的義務，以遵守當局的任何規定或要求；

xv. 使本行的實際或擬議受讓人或本行有關某一資料主體的權利、責任或義務的參與方、次參與方或受讓方能夠評估擬轉讓、參與、次參與或轉讓的交易，並使實際受讓人能夠在被轉讓的業務或權利的經營中使用某一資料主體的資料；及

xvi. 與以上任意一項相關的目的。

e. 本行持有的與某一資料主體有關的資料將予以保密，但本行或本銀行集團任何成員可為上文第（d）段所述之目的向下列各方（不論在香港境內或境外）提供該等資料，但向另一人轉讓資料以供其直接進行行銷時，須遵守以下第（k）段的規定：

i. 向本行提供與其業務營運有關的或與某資料主體帳戶有關的行政、電訊、電腦、支付或證券結算或其他服務的本銀行集團之任何代理人、供應商、承包商、分包商、聯屬公司（包括其雇員、管理人員、代理人、承包商及專業顧問）或第三方服務提供者；

ii. 任何當局；

iii. 對本行負有保密義務（無論是明示或默示承諾）的任何其他人士，包括已承諾對該等資料保密的本銀行集團任何其他成員；

iv. 向出票人提供付款支票影本（可能記載收款人資訊）的付款銀行；

v. 客戶因申請本行產品及服務而選擇接觸的第三方服務提供者（如有）；

vi. 信貸資料服務機構（包括信貸資料服務機構所使用的任何中央資料庫之經營者） ,以及（如發生違約）債務催收機構；

vii. 代表貴方行事且資料已提供的任何人士、收款人、受益人、帳戶指定人、中間行、往來行及代理行、清算所、清算或結算系統、市場交易對手、上游扣繳義務人、掉期或交易資訊庫、證券交易所、貴方擁有證券權益的公司（如該等證券由本行或本銀行集團任何成員持有）或向客戶帳戶支付任何款項的任何人士；

viii. （1）為資料主體對本行的債務和義務提供擔保或以擔保人身份行事的任何人，或（2）資料主體為其對本行的債務和義務提供擔保或以擔保人身份行事的任何人；

ix. 根據對本銀行集團任何成員具有約束力或適用於本銀行集團任何成員的任何法律的要求，本銀行集團任何成員有義務或以其他方式被要求向其披露的任何人士，或為本銀行集團任何成員所應遵守的任何法律、監管、政府、稅務、執法或其他當局或金融服務提供者的自律或行業機構或協會發出或頒佈的任何指引或指南之目的，或根據本銀行集團任何成員與本地或外國的法律、監管、政府、稅務、執法或其他當局或金融服務提供者的自律或行業機構或協會訂立的任何合同或其他承諾所進行的任何披露（所有該等人士可以存在于香港特別行政區境內外，也可以存在于當前和未來）；

x. 對本銀行集團任何成員或對資料主體實施的任何交易或為資料主體的帳戶實施的任何交易具有管轄權的任何政府機構、交易所、市場或其他當局或監管機構；

xi. 根據在香港特別行政區或其他地方提起的破產、清盤或資不抵債程式就資料主體、資料主體的資產、為資料主體的責任和義務提供擔保或以擔保人身份行事的任何擔保提供者或擔保提供者的資產或擔保人的資產指定的任何清算人、接管人、破產管理人、司法管理人、破產受託人、託管人或其他類似官員；

xii. 資料主體已與之發生交易或計畫與之發生交易的任何金融機構和收單公司；

xiii. 就（1）資料主體或（2）為資料主體的責任和義務提供擔保或以擔保人身份行事的擔保提供者而言，本行的任何實際受讓人或擬議受讓人，或本行權利、責任或義務的參與者或次參與者或受讓人；及

xiv.

(1)本銀行集團的任何其他成員（鑒於資料主體的帳戶可以在新加坡的本行總部開立和持有，資料主體的關係經理可以常駐新加坡或任何其他司法管轄區，本行可能已將與資料主體的帳戶或交易的管理相關的某些職能外包給本銀行集團的任何其他成員，或出於管理或其他目的）;

(2)本銀行集團任何成員的審計師和專業顧問；

(3)第三方金融機構、保險公司、信用卡公司、證券和投資服務提供者，包括但不限於與向資料主體提供的任何服務或由資料主體實施的或為資料主體的帳戶實施的任何交易相關的任何交易對手、經紀商、資產管理人、代理人、託管人、清算所、存管人或存管代理人，或共同基金或私募基金的經理、管理人或託管人；

(4)第三方獎勵、忠誠、聯合品牌和優待計畫提供者；

(5)本銀行集團任何成員的聯合品牌合作夥伴（該聯合品牌合作夥伴的名稱可在相關服務和產品（視情況而定）的申請表中找到）；

(6)本行為上述第（d）（vx）段所述目的所聘請的外部服務提供者（包括但不限於郵政、電信公司、電話行銷及直銷代理人、活動管理公司、呼叫中心、資料處理公司和資訊技術公司）；及

(7)收款人、清算所、結算系統、市場交易對手、互換或交易資訊庫、證券交易所、資料主體在其中擁有證券權益的公司（如該證券由本銀行集團為資料主體持有），或為提供服務而代表資料主體行事的人。

該等資料可被轉移至香港特別行政區以外的地方。

f. 就資料主體(不論以借款人、抵押人或擔保人身份，以及不論以單獨名義還是與他人聯名)申請的按揭資料而言，本行可向信貸資料服務機構(統稱或各稱信貸資料服務機構)提供與貴方相關的下列資料(包括任何有關下列資料的不時更新的資料)：

(i)全稱；

(ii)每項抵押的主體資格（作為借款人、抵押人或擔保人，無論是以單獨名義還是與他人聯名）；

(iii)香港身份證號碼或旅行證件號碼（個人）或公司註冊證書號碼；

(iv)出生日期（個人）或註冊成立日期；

(v)通訊位址；

(vi)每項抵押的抵押帳號；

(vii)與每項抵押有關的融資類型；

(viii)每項抵押的抵押帳戶狀態（例如：有效、已關閉、註銷（因破產命令導致的除外）、因破產命令導致的註銷）；及

(ix)如有，每項抵押的抵押帳戶關閉日，（合稱抵押帳戶一般資料）。

信貸資料服務機構將使用本行提供的抵押帳戶一般資料來生成抵押計數（定義見下文），供信貸提供者在信貸資料服務機構的消費者信貸資料庫中共用（應符合根據《條例》批准及頒佈的消費者信貸資料操作守則的要求）。

g. 貴方可指示本行向相關信貸資料服務機構提出申請，要求從其資料庫中刪除與經全額還款而終止的任何信貸相關的任何帳戶資料，但前提是：根據本行記錄，在該等終止前的五（5）年內，該等信貸下的付款未發生超過六十（60）天的違約。

h. 如果存在任何付款違約，除非違約款項在違約之日起六十（60）天屆滿前被全額償還或註銷（因破產命令導致的除外），否則貴方的帳戶還款資料可由相關信貸資料服務機構保存至約款項最終結清之日起五（5）年期限屆滿之時。

i. 如果任何款項因針對貴方下達的破產令而被註銷，則貴方的帳戶還款資料可保留至（i）違約款項最終結清之日起五（5）年期限屆滿之時，或（ii）貴方通知相關信貸資料服務機構貴方已解除破產（並同時提供證據）之日起五（5）年期限屆滿之時（以較早發生者為准）。

j. 為上文第（h）段和第（i）段之目的，帳戶還款資料包括最近到期金額、最近一次報告期間內支付的金額、剩餘可用信貸或未償餘額和違約資料（即：逾期金額和逾期天數、逾期金額的結算日，以及實質性違約（即超過六十（60）天期限的付款違約）金額的最終結算日（如有））。抵押計數指某一資料主體（無論是作為借款人、抵押人還是保證人，無論是以該資料主體的單獨名義還是與其他人聯名）不時對在香港特別行政區的信貸提供者持有的抵押總數。

k. 資料在直接行銷中的使用

若資料主體為客戶，則本行擬將資料主體的資料用於直接行銷，為此目的，本行要求資料主體同意（包括表示不反對）。在這方面，請注意：

i. 本行可將其不時持有的資料主體名稱、聯絡資料、產品與服務組合資訊、交易模式與行為、財務背景和人口統計資料用於直接行銷；

ii. 可行銷下列類別的服務、產品和主題：

(1)財務、信用卡、銀行、證券、信託、投資及相關的服務與產品；

(2)獎勵、忠誠、優待計畫及相關服務和產品；

(3)本銀行集團任何成員聯合品牌合作夥伴提供的服務和產品（該等聯合品牌合作夥伴的名單可在相關服務和產品（視情況而定）申請表中查詢）；及

(4)出於慈善及/或非營利目的的捐贈；

iii. 上述服務、產品及主題可由本行及/或下列機構提供或招攬：

(1)本銀行集團的任何其他成員；

(2)第三方金融機構、保險公司、信用卡公司、證券及投資服務提供者；

(3)第三方獎勵、忠誠、聯合品牌或優待計畫提供者；

(4)本銀行集團任何成員的聯合品牌合作夥伴（該等聯合品牌合作夥伴的名單可在相關服務和產

(5)慈善或非營利組織。

iv. 除本身行銷上述服務、產品及主題外，本行亦擬將上述第（k）（i）段所述的資料提供予本銀行集團的任何其他成員，以供其在行銷上述服務、產品及主題時使用，為此目的，本行要求資料主體書面同意（包括表示不反對）。

如資料主體並不希望本行根據上述規定將其資料用於或提供給他人用於直接行銷活動，則資料主體可書面通知本行的資料保護官員（通知位址如下所示），以行使其選擇退出權。

l. 如貴方向本行提供另一人的資料，則貴方應向該人提供一份本聲明書副本，並特別告知他/她本行可如何使用他/她的資料。

m. 使用本行應用程式介面( API)向資料主體的第三方服務提供者轉移個人資料

i. 本行可根據資料主體向本行或資料主體使用之第三方服務提供者所發出的指示，使用本行的 API向第三方服務提供者轉移資料主體的資料，以作本行或第三方服務提供者所通知資料主體的用途及/或資料主體根據《條例》所同意的用途。

ii. 根據《條例》的規定以及根據《條例》批准和頒佈的《消費者信用資料操作守則》的規定，任何資料主體均有權：

(1)檢查本行是否持有其資料及查閱該等資料的情況；

(2)要求本行更正與其相關的任何不準確的資料；

(3)確認本行有關資料的政策及實務，並知悉本行所持有的個人資料的種類；

(4)在消費者信用方面，要求知悉哪些資料定期向信貸資料服務機構或債務催收機構披露，並要求提供進一步資訊以便能夠向相關信貸資料服務機構或債務催收機構提出查閱和更正要求；及

(5)就本行已提供予信貸資料服務機構的任何帳戶資料（為免生疑問，包括任何帳戶還款資料）而言，在以全額償還方式終止帳戶後，指示本行要求信貸資料服務機構從其資料庫中刪除該等帳戶資料，只要該等指示在終止後五（5）年內發出，且在帳戶終止前五（5）年內該等帳戶沒有發生任何付款違約（持續時間超過六十（60）天）。帳戶還款資料包括最近到期金額、最近一次報告期間（即：不超過本行向信貸資料服務機構最後一次提供帳戶資料之前的三一（31）天）內支付的金額、剩餘可用信貸或未償餘額和違約資料（即：逾期金額和逾期天數、逾期金額的結算日，以及超過六十（60）天期限的違約金額的最終結算日（如有））。

n. 根據《條例》的規定，本行有權就處理任何查閱資料的要求收取合理的費用。

o. 可向下列人士要求查閱資料或更正資料或索取關於政策和慣例以及所持有的資料種類的資訊：

資料保護官員

新加坡銀行有限公司（香港分行）

國際金融中心1期34樓

香港中環港景街1號

香港電話：+852 2846 3800

傳真：+852 2295 3332

p. 在審議信貸申請時，本行可能已經從信貸資料服務機構收到關於該資料主體的信用報告。如果資料主體希望獲取該信用報告，則本行將會告知相關信貸資料服務機構的聯繫方式。

q. 本聲明書的任何內容均不限制資料主體在《條例》項下的權利。

r. 使用的專門術語應具有以下含義：

當局指對本銀行集團任何部分或其任何代理具有管轄權的司法機構、監管機構、公共機構、政府機構、稅務機關、證券或期貨交易所或執法機構；

本銀行集團指本行總行、母行及其附屬機構和聯屬機構的合稱和單稱，“本銀行集團任何成員”具有相同含義；及

稅務機關指境內或境外的稅務、收入、財政或金融機構。

請注意，在本聲明書生效日期或之後繼續使用銀行服務，即表示您同意並接受本聲明書的內容並受其約束。

若本聲明書的英文版本與中文翻譯件之間有任何不一致之處，應適用英文版本，以英文版本為准。

所有新加坡銀行有限公司適用

在本私隱聲明中，「我們」及「我們的」指：

新加坡銀行有限公司，63號馬吉街#22-00新加坡銀行中心新加坡048942，新加坡銀行有限公司（迪拜國際金融中心分行），Office 30-32, Level 28, Central Park Tower, Dubai International Financial Centre，及新加坡銀行有限公司（香港分行），香港中環港景街1號國際金融中心1期34樓及35樓（統稱為「本行」）以及新加坡銀行信託有限公司，63號馬吉街 #14-00新加坡銀行中心新加坡048942（「信託」）。

我們致力保障您的私隱並確保您的個人資料具有最高安全性。本私隱聲明解釋了我們所收集個人資料的類型、我們如何使用該資料、與誰分享該資料以及我們如何保護該資料。本文亦提供有關您的權利的資料。

請仔細閱讀以下內容，以了解我們對您的個人資料的觀點及實務。

我們是誰?

根據您向我們查詢、購買或使用的產品及服務的不同，我們組織內的不同公司將會處理您的資料。通常，本行提供私人銀行服務，而信託會向本行客戶提供受託人及信託管理服務。
本私隱聲明的範圍

本私隱聲明適用於歐洲經濟區^[1]（「EEA」，即歐盟成員國，包括挪威、列支敦士登及冰島）內任何查詢、購買或使用本行及/或信託提供的產品及服務的個人。

^[1]就本私隱聲明而言，歐洲經濟區應包括以下國家：奧地利、比利時、保加利亞、克羅地亞、塞浦路斯共和國、捷克共和國、丹麥、愛沙尼亞、芬蘭、法國、德國、希臘、匈牙利、愛爾蘭、意大利、拉脫維亞、立陶宛、盧森堡、馬耳他、荷蘭、波蘭、葡萄牙、羅馬尼亞、斯洛伐克、斯洛文尼亞、西班牙、瑞典、英國、冰島、列支敦士登及挪威。（冰島、列支敦士登及挪威並非歐盟成員國，但為歐洲經濟區組成部分，且《一般資料保護條例》（GDPR）亦適用於它們。）
我們獲取個人資料的方式
我們可能會從以下來源收集有關您的資料:
1. 我們從您收到的資料
  我們通常透過您與我們的互動來獲取有關您的個人資料，包括透過電話通話（可能會被錄音）、電郵、我們的網站、應用程式或其他形式或面對面會議等方式。我們收集您在以下情況下提供予我們的個人資料（例如您的姓名、聯繫方式、財務資料、就業及教育情況、國籍、出生日期及地點、婚姻狀況、護照或其他身份證明資料以及訪問我們處所的詳細資料）:
  1. 查詢我們的產品及服務;
  2. 提交申請以開設賬戶或建立信託或構成信託資產一部分的其他實體；及
  3. 隨後與我們的通訊。
2. 我們收集的有關您的資料
  當您進入我們的處所時，我們透過閉路電視攝影機（「CCTV」）監視您的活動來收集有關您的資料。我們亦會收集有關您如何與我們的網站進行互動的資料，包括IP地址或其他設備資料（您可以在Cookie聲明中找到有關此內容的更多資料）。
3. 我們從第三方收集資料
  我們從第三方（例如，信貸諮詢機構）收集有關您的資料。
個人資料類別
我們處理有關您的兩類個人資料:
1. 標準個人資料（例如，我們用於聯繫您、識別您的身份或管理我們與您的關係的資料）。
2. 有時您可能會選擇向我們提供有關您或其他人的特殊類別資料，這可能會受到資料保護法律的進一步保護（例如，如果您告知我們您已婚或有伴侶以及您亦向我們告知您伴侶的姓名，您可能因此向我們提供有關性取向的資料）。

我們如何使用您的個人資料?

我們會出於本聲明所規定的目的處理您的個人資料。根據我們處理的個人資料類別，適用不同的法律依據。我們通常根據履行合約、我們或第三方的合法權益或法律所必需的基準來處理標準個人資料。有關此類及特殊類別處理依據的更多資料載列如下。

我們處理以下資料:	出於以下目的:	基於以下理由:

姓名、身份證號碼、國籍、護照資料、納稅詳情、出生日期、出生地點、居住地址、營業地址、職業、簽名、就業經歷、教育背景、財務資料、犯罪記錄	為了協助我們的開戶流程、我們的信託及其他實體建立流程、我們的客戶盡職調查流程及我們的賣方盡職調查流程，以及防止欺詐及濫用我們的服務。	為了履行我們的合約、遵守我們的監管要求所必需的，以及為了實現我們管理行政及業務運營以及遵守內部政策及流程的合法權益（見下文）的更為一般的要求。
財務及交易（例如，有關您在我們開設的賬戶的詳細資料以及您在我們開設的賬戶的收付款詳情）	為了令我們能夠處理您的交易。履行我們的監管報告流程並促進欺詐案件的處理及報告（必要時）	為了履行我們的合約及遵守我們的監管要求所必需的，以及為了追求我們的合法權益（見下文）的更為一般的要求。
電話通話	監督受監管活動、培訓及發展	為了遵守我們的監管要求及追求我們的合法權益（見下文），以提高我們的服務質素。
任何投訴的詳情	方便處理及報告投訴	為了遵守我們的監管要求

合法權益
合法權益是我們可能處理您的個人資料的法律理由之一。我們出於多項合法權益處理您的個人資料，包括管理與您的關係的所有方面、進行市場推廣、以幫助我們改善我們的服務及產品，以及為了行使我們的權利或處理索賠。

考慮到您的利益、權利及自由，允許我們處理您的個人資料的合法權益包括:
1. 為了管理我們與您、我們的業務及向我們提供產品或服務的第三方之間的關係;
2. 為了確保有效地處理投訴或查詢，並改善我們的產品及服務;
3. 為了保持我們最新的記錄，並在法律允許的範圍內為您提供市場推廣;
4. 根據我們對您的偏好的了解，制定及開展市場推廣活動並向您顯示您感興趣的資料;
5. 為了監控我們在提供服務方面（例如通話記錄）是否達到了我們的績效預期;
6. 為了追求我們在管理我們的處所及服務的安全及保安方面的合法權益，以預防、偵查及起訴犯罪、保障健康及安全（例如CCTV視頻圖像）;
7. 為了強制執行或應用我們網站的使用條款、我們的政策條款及細則或其他合約，或保障我們（或我們的客戶或其他人士）的權利、財產或安全;
8. 為了行使我們的權利，在面對申索時捍衛自己權益，並遵守適用於我們及與我們合作的第三方的法律法規；及
9. 為了參與我們全部或部分業務的任何出售、購買、合併或收購，或者成為有關活動的對象。
我們是否將您的個人資料用於直接市場推廣?

在取得您的許可後，我們可能會向您發送有關我們的產品及服務的精選資料。您有權隨時透過與客戶關係經理聯繫來選擇退出直接市場推廣。
我們與哪些第三方分享您的個人資料?
我們根據本私隱政策中規定的目的，與以下類別的收件人分享您的資料:
1. 本行的公司集團：我們在我們的公司集團之間分享您的個人資料，包括我們的分行、附屬公司、代表處、母公司華僑銀行有限公司（「華僑銀行」）以及華僑銀行的分行及附屬公司，以在我們公司開設您的賬戶，管理我們的服務及產品，為您提供客戶支持，處理您的付款，了解您的偏好，向您發送您可能感興趣的產品及服務的資料，以及進行本私隱聲明中所述的其他活動。
2. 我們的服務提供商：我們利用其他公司、代理商或承包商，代表我們執行服務或協助我們向您提供我們的服務及產品，包括:
  1. 基礎設施及IT服務提供商，包括電子郵件歸檔。
  2. 市場推廣、廣告及傳播代理商。
  3. 信貸諮詢機構。
  4. 外部核數師及顧問。
  5. 離線檔案存儲提供商。
  在提供此類服務的過程中，此等服務提供商可能會訪問您的個人資料。但是，我們僅會向我們的服務提供商提供其執行服務所必需的個人資料，並且我們要求他們不得將您的資料用於任何其他目的。我們將盡最大努力確保我們所有的服務提供商確保您的個人資料安全。
3. 法律允許的第三方：在某些情況下，為了遵守法律或監管義務，我們可能會被要求披露或分享您的個人資料（例如，我們可能會被要求向警察、監管機構、政府機構或司法或行政部門披露個人資料）。
  我們亦可能在法律允許的範圍內向第三方披露您的個人資料，以保護或捍衛我們的權利、國家安全、執法、執行我們的合約或保護您或公眾的權利。
4. 與業務轉移有關的第三方：在接收方同意以與本私隱聲明一致的方式對待您的個人資料的前提下，我們可能會將與您的資產重組、重構、兼併、收購或轉讓相關的個人資料轉移給第三方。
  我們不會將您的個人資料出售給第三方。
  
  請注意，我們的網站可能會不時包含轉向及轉自我們合作夥伴或分支機構網站的鏈接。倘若您訪問此等網站中的任何一個鏈接，請注意，此等網站擁有自己的私隱權政策，我們無法控制它們如何使用您的個人資料。在向第三方網站提交任何個人資料之前，您應該查看其私隱政策。
我們是否會將個人資料轉移到歐洲經濟區之外?

我們使用全球資料系統。因此，本行及信託將您的資料轉移及處理到歐洲經濟區以外的國家/地區：新加坡、香港、迪拜及菲律賓。此司法權區列表可能會更改。我們會採取措施，確保您的個人資料在國際轉移時，將根據適用的數據保護法律受到適當保護。通常情況下，此等保障措施包括合約保障措施。有關此等保障措施的更多資料，請透過以下方式聯繫獲取:

電郵地址: dpo@bankofsingapore.com

郵寄地址: Data Protection Officer, Bank of Singapore Limited, 63 Market Street, #22-00 bank of Singapore Centre, Singapore 048942.
你有甚麼權利?
歐洲經濟區及部分其他國家/地區的資料保護法賦予個人以下權利:
1. 內容訪問權：有權書面要求我們提供關於我們所持有的您的個人資料的詳情，並索取有關個人資料的副本。
2. 糾正權：糾正有關您的不正確資料的權利。
3. 刪除權（「被遺忘的權利」）：刪除有關您的某些個人資料的權利。
4. 限制處理權：要求您的個人資料僅用於限制目的的權利。
5. 反對權：反對使用個人資料的權利（包括反對市場推廣的權利）。
6. 資料可移植權：要求將您提供給我們的個人資料以機器可讀格式轉移給您或第三方的權利。
7. 撤回同意的權利：我們通常不以同意為基礎來處理您的個人資料。我們僅會在非常有限的情況下徵求您的同意，倘若我們這樣做，則在我們徵求該同意及其目的時，將讓您對有關徵求顯而易見。您有權撤回您授予我們處理您的個人資料的任何同意。如果您撤回同意，這不會影響撤回同意之前使用您的個人資料的合法性。
此等權利可能並非在所有情況下均適用。倘若我們無法滿足您的要求，我們將解釋原因。根據要求，我們將在必要時要求您核實您的身份，並提供有助我們更好地理解您的要求的資料。倘若您想了解有關您的權利的更多資料或要行使您的任何權利，請聯絡:

電郵地址: dpo@bankofsingapore.com

郵寄地址: Data Protection Officer, Bank of Singapore Limited, 63 Market Street, #22-00 bank of Singapore Centre, Singapore 048942.

倘若您認為我們沒有遵守適用的資料保護法律，您亦有權向本地資料保護機構投訴。倘若您位於英國或有關事項與英國有關，可以透過以下方式與資料專員辦公室聯絡:

電話號碼: +44 0303 123 1113

電郵地址: casework@ico.org.uk

網站: www.ico.org.uk

網頁表格: www.ico.org.uk/concerns/

地址: Water Lane, Wycliffe House, Wilmslow, Cheshire, SK9 5AF

倘若您位於歐洲經濟區，您亦可以向位於以下國家或地區的其他監管機構提出投訴:

a. 您生活的國家或地區,

b. 您工作的國家或地區，或

c. 涉嫌侵權的國家或地區。

有關歐盟資料保護監管機構的列表如下: http://ec.europa.eu/justice/article-29/structure/data-protection-authorities/index_en.htm
我們如何保護您的個人資料?

我們已經實施技術及組織保安措施，以保護我們所保管及控制的個人資料。此類措施包括，例如，僅限出於本私隱聲明所述目的需要了解個人資料的員工及授權服務提供商訪問個人資料；在網絡及系統上採用保安協議；在發送及/或接收高度機密的電郵時使用電郵安全設置；實施物理訪問控制，例如具有清晰及突出標記的機密文件，將機密文件存儲在鎖定的文件櫃中；限制在需要了解的基礎下訪問機密文件；使用私隱過濾器；透過切碎或類似方式處理不再需要的機密文件；使用提供適當安全級別的個人資料傳送或傳輸方式（例如，在適當情況下以掛號郵寄代替普通郵寄）；確認預期的個人資料收件人以及其他管理、技術及物理保障。

雖然我們努力保護我們的系統、網站、操作及資料免遭未經授權的訪問、使用、修改及披露，但由於互聯網作為開放的全球通信工具的固有性質及其他風險因素，我們不能保證任何資料在傳輸或存儲在我們系統期間絕對不會受到黑客等其他人士的入侵。
我們會將您的個人資料保留多長時間?
我們僅會在滿足收集個人資料目的所需的時間內並在適用法律允許的範圍內保留您的個人資料。通常，在您與我們的關係終止後，我們會將您的個人資料保留七（7）到十二（12）年（視資料類型及我們的內部政策而定）。但在部分情況下，我們可能必須保留您的個人資料更長時間。為了確定保留您的個人資料所需的時間，我們根據以下標準計算保留期間:
1. 您與我們建立關係的貨幣以及您所需的產品或服務的類型;
2. 保留記錄以證明我們已根據法律履行對您的義務的合理時間;
3. 可提出申索的任何時效期限;
4. 法律規定或監管機構、行業團體或協會建議的任何保留期限；及
5. 是否存在任何相關法律程序。
我們如何處理孩童的私隱?

我們並不擬向孩童提供我們的服務，並且我們不會在未事先獲得可驗證的父母同意的情況下，有意收集十三（13）歲以下個人的個人資料。倘若您未滿13歲，則不應向我們提供資料。倘若我們發現未滿13歲的人未經父母的同意向我們提供個人資料，我們將從我們的文件中刪除相關個人資料。
如何聯繫我們?

倘若您對本私隱聲明有任何疑問或疑慮，請按以下方式與我們聯繫:

電郵地址: dpo@bankofsingapore.com

郵寄地址: Data Protection Officer, Bank of Singapore Limited, 63 Market Street,#22-00 bank of Singapore Centre, Singapore 048942.
本私隱聲明的哪個版本適用?

本私隱聲明以英語編寫，並可能被翻譯成其他語言。倘若本聲明的英文版本與翻譯版本之間存在任何歧義，則以英文版本為準。

我們保留不時更改我們的私隱聲明的權利。倘若我們決定更改我們的私隱聲明，我們將通知您相關更改。

2019年10月18日

Cookie聲明

為了滿足客戶預期及改善我們網站上提供的服務，新加坡銀行有限公司，63號馬吉街#22-00新加坡銀行中心新加坡048942，可能會使用cookies。倘若您想進一步了解甚麼是cookies，它們的使用方式及您有甚麼選擇，可以閱讀本文更多內容。

1. 甚麼是cookies?

Cookies是放置儲存於您電腦或其他電子裝置之小型文字檔案，這些小型文字檔案允許我們記住您或其他關於您的資料。放置於我們伺服器的Cookies僅限於我們讀取，且Cookies無法使用、讀取或修改電子裝置之任何其他資料。所有網路瀏覽器均提供拒絕任何Cookies 之選項，若您拒絕我們的Cookies，我們則不會收集該訪客之任何資料。

2. Cookies如何使用?

Cookies可用於不同目的。我們可能利用Cookies，以便我們的伺服器識別回訪訪客為獨特使用者，包括但不限於監測關於造訪者如何到達本網站之資料、造訪者使用何種類型瀏覽器、造訪者使用何種作業系統、造訪者之網際網路協定（IP）位址及造訪者之點閱串流資料和時間點（例如：他們已查看了那些網頁、使用該網頁之時間及每個網頁花費之時間）。

3. 我們使用哪種類型的Cookies?

Cookies通常可以分為以下四種類型之一:

絕對必要的cookies，可啟用您專門要求的服務
性能cookies，用於匿名收集您訪問過的網頁的資料
功能cookies，會記住您所做出的選擇以改善體驗
定位cookies，會收集有關您的瀏覽習慣的資料，以令廣告與您及您的興趣相關

我們在我們的網站上使用以下cookies:

Cookie名稱	類別	目的	第一/第三方
JSESSIONID	絕對必要的cookies	為保持應用程式伺服器的客戶端會話粘性所必需的	第一方
WASSID & WSATAR	絕對必要的cookies	用於追蹤及驗證用戶登入	第一方
AMCV_###@AdobeOrg	功能及性能cookies	我們的分析軟件Adobe Analytics會使用此cookie來識別獨特的訪客。	第一及第三方
gpv	功能及性能cookies	此cookie存儲您訪問網站時查看的網頁數量	第一及第三方
s_cc	功能及性能cookies	此cookie允許Adobe Analytics確定您的瀏覽器是否啟用了cookies。	第一及第三方
s_ppv	功能及性能cookies	存儲有關所顯示網頁百分比的資料	第一及第三方
s_ppvl	功能及性能cookies	存儲有關向您顯示的網頁百分比的資料	第一及第三方
s_sq	功能及性能cookies	啟用ClickMap功能及Activity Map功能後，此cookie會由JavaScript代碼設置及讀取；它包含有關您在網站上點擊的先前鏈接的資料。	第一方
_ga	功能及性能cookies	Google Analytics用來確定兩個不同的點擊屬於不同會話中的同一用戶	第一及第三方
_gat	功能及性能cookies	Google Analytics用於衡量用戶在網頁之間的瀏覽過程中用戶與網站內容的交互方式	第三方
_gid	功能及性能cookies	為Google Analytics存儲及更新所訪問的每個網頁的唯一值	第三方

4. 您有甚麼選擇?

若您希望停用與這些科技相關之 Cookies，您可通過變更您的瀏覽器設定而停用 Cookies。但您可能無法進入我們網站的某些部分。

如欲了解有關cookie以及如何管理或刪除它們的更多資料，請訪問allaboutcookies.org及瀏覽器的幫助部分。在Internet Explorer、Safari、Firefox或Chrome等瀏覽器的設置中，您可以設置接受及拒絕哪些Cookies。在何處可以找到這些設置，取決於您的瀏覽器——請使用瀏覽器中的「幫助」功能找到所需的設置。

您亦可以在http://www.youronlinechoices.eu 及 http://www.international-chamber.co.uk/our-expertise/digitaleconomy上找到有關Cookies的有用資料。

如果您對本Cookie聲明有任何疑問、建議或評論，請發送電郵至dpo@bankofsingapore.com。我們的Cookie聲明亦可能會不時進行修改，因此請定期訪問此網頁以了解最新內容。

新加坡銀行歐洲財富管理公司（僅提供英文版本）

BOS Wealth Management Europe S.A. (BOSWME) is committed to ensure that personal data is handled with responsibility, transparently and securely under the Regulation 2016/679 of 27 April 2016 (GDPR) and the Data Protection Act 2018 (UK).

BOSWME may act as either a controller or processor. The personal data we collect from data subjects (e.g., website users, clients or recruitees) and from different providers is used to facilitate compliance with applicable rules and regulations, and to ensure that our services comply with the highest business standards.

We provide each data subject with a Data Privacy Notice that explains the purposes for which personal data is collected and used, how the data is used and disclosed, how long it is kept, the controller's legal basis for processing and the contact details for its Data Protection Officer.

If you wish to exercise your data protection rights, please send us a written request by either:

e-mail: dpo@boswm.com or
mail: main headquarters - BOS Wealth Management Europe S.A., Data Protection Officer, 33 Rue Ste Zithe, L-2763 Luxembourg, Luxembourg

UK branch - BOS Wealth Management S.A., UK Branch, Data Protection Officer, 62 Queen Street, The Rex Building, 3rd floor, London EC4R 1EB, United Kingdom.

The BOSWME Data Protection Policy is implemented as a statement that sets out how our firm protects personal data. It is a set of principles, rules and guidelines that informs how BOSWME will ensure ongoing compliance with data protection laws.

BOSWME Data Protection Policy

BOSWME UK Branch Client Data Privacy Notice

The BOSWME Website Privacy Policy is a document for users about how we collect and handle their personal data, who BOSWME shares it with, and any other relevant details.

BOSWME Website Privacy Policy

This Cookie Declaration aims to inform users about our use of cookies, what types of cookies are used, and why. We are committed to full transparency regarding user privacy while using our website. In the statements of this document, users will find all the essential information to ensure data protection and transparency.

BOSWME is committed to protecting the privacy of all job applicants by ensuring the highest level of security for personal data. This Recruitment Privacy Notice details what personal data we collect, how we handle such data and how we protect it. Also, the documents provides information about the data subject’s rights.

BOSWME Recruitment Privacy Notice

新加坡銀行有限公司（迪拜國際金融中心分行）（僅提供英文版本）

The purpose of this document ('Data Protection Policy') is to inform you of how Bank of Singapore Limited, DIFC branch ('BOS DIFC') manages Personal Data (as defined below) which is subject to the Dubai International Financial Centre ('DIFC') Data Protection Law (DIFC Law No. 5 of 2020) (the 'Law'). Please take a moment to read this Data Protection Policy so that you know and understand the purposes for which we collect, use and disclose your Personal Data.

By interacting with us, submitting information to us, or signing up for any products or services offered by us, you acknowledge that BOS DIFC(including its respective representatives and/or agents ("Representatives") (BOS DIFC and its Representatives collectively referred to herein as 'BOS DIFC', 'us', 'we' or 'our') may collect, use, disclose and share amongst themselves your Personal Data, and disclose such Personal Data to BOS DIFC’s authorised service providers and relevant third parties, including BOS DIFC’s related corporations, head office and overseas branches and offices and overseas branches and officers of BOS DIFC’s related corporations (the 'Companies' and each, a 'Company')in the manner set forth in this Data Protection Policy.

BOS DIFC may from time to time update this Data Protection Policy to ensure that this Data Protection Policy is consistent with our future developments, industry trends and/or any changes in legal or regulatory requirements. You acknowledge that you have reviewed and understood the terms of this Data Protection Policy as updated from time to time on our website http://www.bankofsingapore.com/Data-Protection-Policy.html. Please check back regularly for updated information on the handling of your Personal Data

Personal Data

In this Data Protection Policy, 'Personal Data' refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time.

Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, national identity card, passport or other identification number, telephone number(s), mailing address, email address, transactional data and any other information relating to any individuals which you have provided us in any forms you may have submitted to us (including in the form of biometric data), or via other forms of interaction with you.
Collection of Personal Data
1. Generally, we collect Personal Data in the following ways:
  1. when you submit any form, including but not limited to application forms or other forms relating to any of our products or services or any investments which you purchase through BOS DIFC and/or the Companies;
  2. when you enter into any agreement or provide other documentation or information in respect of your interactions with us, or when you use our services;
  3. when you interact with our staff, including relationship managers and their assistants, example via telephone calls (which may be recorded), letters, fax, face-to-face meetings and emails;
  4. when your images are captured by us via closed-circuit television cameras ('CCTVs') while you are within our premises, or via photographs or videos taken by us or our representatives when you attend events hosted by us;
  5. when you use some of our services provided through online and other technology platforms, such as websites and apps, including when you establish any online accounts arranged by us;
  6. when you request that we contact you, or include you in an email or other mailing list; or when you respond to our request for additional Personal Data, our promotions and other initiatives;
  7. when you are contacted by, and respond to, our marketing representatives, agents and other service providers;
  8. when we seek information about you and receive your Personal Data from third parties in connection with your relationship with us, for example, from referrers, business partners, external or independent asset managers, public agencies or the relevant authorities;
  9. through physical access, internet and information technology monitoring processes;
  10. in connection with any investigation, litigation, registration or professional disciplinary matter, criminal prosecution, inquest or inquiry which may relate to you or any Connected Person; and/or
  11. when you submit your Personal Data to us for any other reason.
2. When you browse our website and platforms, you generally do so anonymously but please see the section below on cookies. We do not, at our website and platforms, automatically collect Personal Data, including your email address unless you provide such information or login with your account credentials.
3. If you provide us with any Personal Data relating to a third party (for example, information of your spouse, children, parents, or a Connected Person), by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with his/her Personal Data for the respective purposes.
  
  'Connected Person' may include but is not limited to any beneficial owner, authorised signatory, director, shareholder, officer of a company, partner or member of a partnership, settlor, trustee, beneficial owner, protector or grantor of trust, mandate holder, power of attorney holder, surety, third party security provider, provider of funds, founder and/or employee, payee of designated payment, representatives, agents or nominees.
4. You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested. You acknowledge that you should inform BOS DIFC immediately of any change of facts or circumstances which may render any information or Personal Data previously provided inaccurate, untrue or incorrect and provide any information or documentation as BOS DIFC may reasonably require for the purposes of verifying the accuracy of the updated information or Personal Data.
Purposes for the collection, use and disclosure of your Personal Data
1. Generally, BOS DIFC collects, uses and discloses your Personal Data for the following purposes:
  1. responding to, processing and handling your complaints, queries, requests, feedback and suggestions;
  2. verifying your identity and customer due diligence;
  3. managing the administrative and business operations of BOS DIFC or the Companies and complying with internal policies and procedures (including but not limited to facilitating business continuity planning);
  4. audit purposes;
  5. verifying or confirming trade orders or instructions from you or for your account (including but not limited to instructions on fund transfers or remittances);
  6. facilitating business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving any of BOS DIFC or the Companies;
  7. matching any Personal Data held which relates to you for any of the purposes listed herein;
  8. resolving complaints and handling requests and enquiries;
  9. preventing, detecting and investigating crime, including fraud and money-laundering or terrorist financing, and analysing and managing commercial risks (including but not limited to preventing and detecting loss of BOS DIFC’s proprietary and sensitive information);
  10. project management;
  11. providing media announcements and responses, for example in relation to complaints or law suits;
  12. requesting feedback or participation in surveys, as well as conducting market research and/or analysis for statistical, profiling or other purposes for us to design our products, understand customer behaviour, preferences and market trends, and to review, develop and improve the quality of our products and services;
  13. managing the safety and security of our premises and services (including but not limited to carrying out CCTV surveillance and conducting security clearances);
  14. managing and preparing reports on incidents and accidents;
  15. organising events, seminars or trainings;
  16. complying with any applicable rules, laws and regulations, codes of practice or guidelines, obligations, requirements or arrangements for collecting, using and disclosing Personal Data that apply to BOS DIFC or that it is expected to comply, according to:
    
    any law binding or applying to it within or outside the DIFC existing currently and in the future;
    
    any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside the DIFC existing currently and in the future;
    
    any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on BOS DIFC by reason of its financial, commercial, business, or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations;
  17. to assist in law enforcement and investigations by relevant authorities;
  18. in connection with any claims, actions or proceedings (including but not limited to drafting and reviewing documents, transaction documentation, obtaining legal advice, and facilitating dispute resolution), and/or protecting and enforcing our contractual and legal rights and obligations;
  19. archival management (including but not limited to warehouse storage and retrievals); and/or
  20. any other purpose relating to any of the above.
  These purposes may also apply even if you do not maintain any account(s) with us, or have terminated these account(s) arranged by us.
2. In addition, BOS DIFC collects, uses and discloses your Personal Data for the following purposes depending on the nature of our relationship:
  1. If you are a prospective customer:
    
    evaluating your eligibility to open an account arranged by us and your financial and banking needs and providing recommendations to you as to the type of products and services suited to your needs;
    
    assessing and processing any applications or requests made by you for products and services offered by BOS DIFC; and/or
    
    any other purpose relating to any of the above.
  2. If you are a customer holding an account arranged by BOS DIFC or a Connected Person or an administrator, executor, liquidator, official assignee, receiver, judicial manager or other similar official who has been so appointed pursuant to bankruptcy or insolvency proceedings instituted in the DIFC or elsewhere in respect of a BOS DIFC customer or any security provider:
    
    Arranging the opening, maintaining or closing of accounts and our providing advisory services to you;
    
    Arranging the processing of fund transfers or any other instructions provided in relation to the account of a BOS DIFC customer;
    
    where account or relationship managers or agents have been assigned to service your account or portfolio, using your telephone number(s) to contact you from time to time in order to take your instructions, and/or provide you with information, updates, or recommendations and / or in accordance with the terms and conditions of our agreement with you;
    
    processing applications for and arranging the daily operation of services and arranging credit facilities provided to you or other persons or corporations for whom you act as surety or third party service provider;
    
    conducting credit checks at the time of application for credit and at the time of regular or special credit reviews;
    
    carrying out client reviews, for example, annual reviews of your portfolio;
    
    to establish your financial situation, risk profile, investment experience and investment objectives to help you consider the suitability of the products you have invested or intend to invest;
    
    arranging the provision of internet banking services (including but not limited to carrying out special handling requests for PIN mailers and tokens);
    
    networking to maintain customer relationship;
    
    providing client servicing (including but not limited to responding to individual requests by customers, mailing services, reconciliation services and providing customer satisfaction);
    
    facilitating the arrangement for transfer of funds;
    
    administering exceptional approvals, fee adjustments or waivers;
    
    enabling any Company or third party to perform the functions that BOS DIFC may have outsourced to it in relation to the management of your account or transactions; and/or
    
    any other purpose relating to any of the above.
  3. If you are an employee or agent of a referrer or other intermediary:
    
    marketing services and products;
    
    processing commission remuneration;
    
    performing due diligence and reference checks; and/or
    
    any other purpose relating to any of the above.
  4. If you are an employee, officer or owner of an external service provider or vendor outsourced or prospected by BOS DIFC:
    
    managing project tenders or the supply of goods and services;
    
    processing and payment of vendor invoices;
    
    complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (which includes disclosure to regulatory bodies or audit checks); and/or
    
    any other purpose relating to any of the above.
  5. If you are a party or counterparty to a transaction (for example, a beneficiary of a fund transfer or payment):
    
    If you are a party or counterparty to a transaction (for example, a beneficiary of a fund transfer or payment):
    
    any other purpose relating to any of the above.
3. In addition, where permitted under the Law, BOS DIFC may also collect, use and disclose your Personal Data for the following purposes (which we may describe in our documents and agreements as "Additional Purposes" for the handling of Personal Data):
  1. providing or marketing services, products and benefits to you, including promotions, loyalty and reward programmes;
  2. matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the customisation, provision or offering of products and services, marketing or promotions, whether by BOS DIFC or other third parties;
  3. sending you details of products, services, special offers and rewards, investment or research reports or guides, either to our customers generally, or which we have identified may be of interest to you; and/or
  4. conducting market research, understanding and analysing customer behaviour, location, preferences and demographics for us to offer you products and services as well as special offers and marketing programmes which may be relevant to your preferences and profile.
4. If you have provided your telephone number(s) you consent to receiving marketing or promotional information via your telephone number(s), then from time to time, BOS DIFC may contact you using such telephone number(s) (including via voice calls, text , fax or other means) with information about our products and services (including discounts and special offers). If you specifically instruct us in writing objecting to our use of personal data for direct marketing purposes we will stop using the data in such manner.
5. In relation to particular products or services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.
Disclosure of Personal Data
BOS DIFC will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be provided, for the purposes listed above (where applicable), to the following entities or parties, whether they are located overseas, including the United Arab Emirates outside the DIFC and Singapore, or in the DIFC:
1. the Companies;
2. counterparties and their respective banks in relation to transactions for your account including purchasing and selling of securities and investment products, fund transfers, payments, issuance of standby letters of credit, banker’s guarantees or letters of undertaking and drawing of cheques;
3. third party recipients of reference letters;
4. companies providing services relating to insurance and/or reinsurance;
5. insurers or brokers in relation to the insurance products or services that you have applied for or purchased;
6. trustees, attorneys and asset managers appointed by you to manage your account;
7. referrers who have referred you to BOS DIFC;
8. agents, contractors, vendors, installers, or third party service providers who provide administrative or operational services to BOS DIFC, such as courier services, telecommunications, information technology, payment, payroll, processing, training, market research, storage, archival, customer support investigation services or other services to BOS DIFC;
9. agents, contractors, vendors or other third party service providers in connection with marketing, products and services offered by BOS DIFC;
10. analytics, search engine providers or third party service providers that assist us in delivering our products, services, websites and platforms as well as improving and optimising the same;
11. credit reporting agencies;
12. debt collection agencies;
13. your employers which are financial institution, for their internal surveillance or monitoring purposes;
14. any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or any debt or asset sale) involving any of BOS DIFC or the Companies;
15. credit card companies and their respective service providers in respect of credit cards held by you;
16. translators;
17. our professional advisers such as our auditors and lawyers;
18. third parties who provide corporate advisory services or due diligence services in connection with you, any Connected Person or your account held with BOS DIFC;
19. relevant government regulators, government ministries, exchange, statutory boards or authorities or law enforcement agencies who have jurisdiction over BOS DIFC or any Company or over any transaction entered into by you, such as the Dubai Financial Services Authority and where applicable, competent authorities in the United Arab Emirates outside the DIFC, the Monetary Authority of Singapore and other relevant authority;
20. any liquidator, receiver, administrator, judicial manager, trustees-in-bankruptcy, custodian or other similar official who has been so appointed, pursuant to bankruptcy, winding-up or insolvency proceedings instituted in the DIFC or elsewhere, in respect of you or your assets;
21. third parties who carry out registration of charge or pledge over the assets that you have pledged or charged to BOS;
22. corporate service providers or lawyers, who are appointed by you;
23. providers of the DIFC Employee Workplace Savings Scheme (DEWS);
24. financial institutions, brokerage houses, clearing houses, depository, depository agents, managers, administrators, fund houses, registrars, custodians, external banks, nominee banks and investment vehicles in relation to asset management and investment product settlement processing;
25. collection and repossession agencies in relation to the enforcement of repayment obligations for loans;
26. third parties who organise promotional or marketing events, seminars or trainings;
27. any person to whom BOS DIFC or any of the Companies is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to BOS DIFC or any of the Companies, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which BOS DIFC or any of the Companies are expected to comply, or any disclosure pursuant to any contractual or other commitment of BOS DIFC or any of the Companies with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or industry bodies or associations of financial services providers, all of which may be within or outside the DIFC and may be existing currently and in the future; and/or
28. any other party to whom you authorise us to disclose your Personal Data to.
When transferring your Personal Data overseas to countries which do not have data protection laws or to countries where your privacy will not be protected as extensively, including transfers out of the DIFC to other parts of the United Arab Emirates, we will implement appropriate measures to ensure that your Personal Data remains protected and secure while and for as long as it remains under our control, for example, by implementing specific contractual clauses with the entities to whom we share your personal data.
Use of cookies and related technologies
1. Our websites and platforms use cookies and other technologies. Cookies are small text files stored in your computing or other electronic devices when you visit our website and platforms for record keeping purposes. Cookies are stored in your browser’s file directory, and the next time you visit the website or platform, your browser will read the cookie and relay the information back to the website, platform or element that originally set the cookie. Depending on the type of cookie it is, cookies may store user preferences and other information.
2. Web beacons (also known as pixel tags and clear GIFs) involve graphics that are not apparent to the user. Tracking links and/or similar technologies consist of a few lines of programming code and can be embedded in our websites or platforms. Web beacons are usually used in conjunction with cookies and primarily used for statistical analysis purposes. This technology can also be used for tracking traffic patterns on websites and platforms, as well as finding out if an e-mail has been received and opened and to see if there has been any response.
3. We may employ cookies and other technologies as follows:
  1. tracking information such as the number of visitors and their frequency of use, profiles of visitors and their preferred sites;
  2. making our websites and platforms easier to use. For example, cookies may be used to help speed up your future interactions with our websites and platforms;
  3. to better tailor our products and services to your interests and needs. For example, cookies information may be identified and disclosed to our vendors and business partners to generate consumer insights;
  4. collating information on a user’s search and browsing history;
  5. when you interact with us on our websites and platforms, we may automatically receive and record information on our server logs from your browser. We may collect for the purposes of analysis, statistical and site-related information including, without limitation, information relating to how a visitor arrived at the website or platform, the browser used by a visitor, the operating system a visitor is using, a visitor's IP address, and a visitor's click stream information and time stamp (which may include for example, information about which pages they have viewed, the time the pages were accessed and the time spent per web page);
  6. using such information to understand how people use our websites and platforms, and to help us improve their structure and contents;
  7. using cookies that are necessary in order to enable our websites and platforms to operate, for example, cookies that enable you to log onto secure parts of our websites and platforms; and/or
  8. personalising the website and platform for you, including delivering advertisements which may be of particular interest to you and using cookie related information to allow us to understand the effectiveness of our advertisements.
4. Some cookies we use are from third party companies to provide us with web analytics and intelligence about our websites and platforms. These companies collect information about your interaction with our websites and platforms. We use such information to compile statistics about visitors who interact with the websites, platforms and other online content belonging to Oversea-Chinese Banking Corporation (“OCBC”), to gauge the effectiveness of our communications, and to provide more pertinent information to our visitors.
5. If you do not agree to such use of cookies, you can adjust your browser settings. Unless you have adjusted your browser settings to block cookies, our system will issue cookies as soon as you visit our site or click on a link in a targeted email that we have sent you, even if you have previously deleted our cookies.
6. The way which cookies can be managed depends on your browser. The following links provide information on how to configure or disable cookies in each browser:
  1. Google Chrome: https://support.google.com/chrome/answer/95647?hl=en
  2. Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
  3. Internet Explorer: http://windows.microsoft.com/en-SG/internet-explorer/delete-manage-cookies#ie=ie-9
  4. Safari: http://support.apple.com/kb/HT1677?utm_source=Agillic%20Dialogue
  5. Safari for iPhone: http://support.apple.com/kb/ta38619
  6. Chrome for Android: https://support.google.com/chrome/answer/2392971?hl=en
  If you do not agree to our use of cookies and other technologies as set out in this Data Protection Policy, you should delete or disable the cookies associated with our websites and platforms by changing the settings on your browser accordingly. However, you may not be able to enter certain part(s) of our websites or platforms. This may also impact your user experience while on our websites or platforms.
Data security
1. BOS DIFC will take appropriate efforts to protect Personal Data in our possession or our control by making appropriate security arrangements to prevent unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks. We have put in place procedures to deal with any suspected data security breach and will notify you and the data protection regulator, the DIFC Commissioner of Data Protection (the "Commissioner") of a suspected breach where we are legally required to do so or we consider it appropriate to do so. Although we will implement appropriate measures to keep your data secure, we cannot completely guarantee the security of any Personal Data we may have collected from or about you, or that for example no harmful code will enter our website (for example viruses, bugs, trojan horses, spyware or adware). No communication over public internet can be guaranteed to be secure. You should be aware of the risks associated with using websites and the internet and take any necessary precautions.
2. While we strive to protect your Personal Data, we cannot ensure the security of the information you transmit to us via the Internet or other electronic communications or when you use our electronic services, and we urge you to take every precaution to protect your Personal Data when you transmit your Personal Data via the Internet or other electronic communications. We recommend that you change your passwords often, use a combination of letters and numbers, and ensure that you use a secure browser.
3. If applicable, you acknowledge that you should keep your username and password secure and confidential and should not disclose or permit it to be disclosed to any unauthorised person, and to inform us as soon as reasonably practicable if you know or suspect that someone else knows your username and password or believe the confidentiality of your username and password has been lost, stolen or compromised in any way or that actual or possible unauthorised transactions have taken place.
Third-party sites

Our website may contain links to other websites operated by third parties. We do not control the privacy practices of websites operated by third parties that are linked to our website. We do not endorse or make any representations about third-party websites. We encourage you to learn about the privacy policies of such third party websites. Some of these third party websites may be co-branded with our logo or trademark, even though they are not operated or maintained by us. Once you have left our website, you should check the applicable privacy policy of the third party website to determine how they will handle any information they collect from you.
Contacting us – feedback and requests relating to your Rights under the Law
1. Under certain circumstances, you may exercise any of the following rights:
  1. Access your data – to request a copy of your Personal Data that we process about you;
  2. Rectify your data – to request us to amend or update your Personal Data where it is inaccurate or incomplete;
  3. Erase your data – to request us to delete your Personal Data where it is no longer necessary for the purpose(s) for which your information was originally collected;
  4. Restrict your data – to request us temporarily or permanently to stop processing all or some of your Personal Data;
  5. Object to the use of your data – at any time, to object to us processing your Personal Data where it is based exclusively on our legitimate interests (see above) or for direct marketing purposes;
  6. Receive or transmit your data in a machine-readable and structured format (otherwise known as "data portability") – to request the receipt or transmission of your Personal Data to another organisation, in a structured and machine-readable format;
  7. Object to any automated decision-making – to request us not to subject you to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect; and
  8. Withdraw your consent – withdraw your consent at any time to the use of your Personal Data for a particular purpose (where we have asked you for consent to use your information for that particular purpose).
2. If you:
  1. have any questions or feedback relating to your Personal Data or our Data Protection Policy;
  2. would like to withdraw your consent to any use of your Personal Data as set out in this Data Protection Policy; or
  3. would like to exercise any of your other rights in relation to your Personal Data as set out in section 8.1 above, please contact us as follows:
    
    Email: ae.difc.dpo@bankofsingapore.com
    
    Call: +971 4 4277100
    
    Write in: Data Protection Officer
    Bank of Singapore Limited, DIFC Branch
    P O Box 4296,
    Dubai – UAE
3. If you feel that we do not comply with the Law, you may lodge a complaint with the Commissioner.
4. We confirm that we will not discriminate against you if you exercise any of your rights under this Data Protection Policy.
5. Please note that if your Personal Data has been provided to us by a third party, we recommend that you contact that party directly to make any queries, feedback and requests to BOS DIFC on your behalf.
6. If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, BOS DIFC may not be in a position to continue to provide its products or services to you, administer any contractual relationship in place, may also result in the termination of any agreements you have entered into with BOS DIFC, which could have adverse impacts on your financial situation.

Email:	ae.difc.dpo@bankofsingapore.com
Call:	+971 4 4277100
Write in:	Data Protection Officer Bank of Singapore Limited, DIFC Branch P O Box 4296, Dubai – UAE

新加坡銀行信託有限公司（僅提供英文版本）

The purpose of this document ('Data Protection Policy') is to inform you of how BOS Trustee Limited manages Personal Data (as defined below) which is subject to the Singapore Personal Data Protection Act (No. 26 of 2012) (the Act). Please take a moment to read this Data Protection Policy so that you know and understand the purposes for which we collect, use and disclose your Personal Data.

By interacting with us, submitting information to us, or signing up for any Services (as defined in paragraph 2.1(a) below) offered by us, you agree and consent to BOS Trustee Limited (including its related corporations and business units) (collectively, the 'Companies'), as well as their respective representatives and/or agents ("Representatives") (the Companies and Representatives collectively referred to herein as 'BOSTL', 'us', "we" or 'our') collecting, using, disclosing and sharing amongst themselves your Personal Data, and disclosing such Personal Data to the Companies' authorised service providers and relevant third parties in the manner set forth in this Data Protection Policy.

This Data Protection Policy supplements but does not supersede nor replace any other consents you may have previously provided to BOSTL in respect of your Personal Data, and your consents herein are additional to any rights which to any of the Companies may have at law to collect, use or disclose your Personal Data.

BOSTL may from time to time update this Data Protection Policy to ensure that this Data Protection Policy is consistent with our future developments, industry trends and/or any changes in legal or regulatory requirements. Subject to your rights at law, you agree to be bound by the prevailing terms of the Data Protection Policy as updated from time to time on our website. Please check back regularly for updated information on the handling of your Personal Data.

Personal Data

In this Data Protection Policy, 'Personal Data' refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which we have or are likely to have access, including data in our records as may be updated from time to time.

Examples of such Personal Data you may provide to us include (depending on the nature of your interaction with us) your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address, transactional data and any other information relating to any individuals which you have provided us in any forms you may have submitted to us (including in the form of biometric data), or via other forms of interaction with you.
Collection of Personal Data
1. Generally, we collect Personal Data in the following ways:
  1. when you submit any form, including but not limited to application forms or other forms relating to any of our products or services or any investments which you purchase through the Companies;
  2. when you enter into any agreement or provide other documentation or information in respect of your interactions with us, or when you use our services;
  3. when you interact with our staff, including relationship managers and their assistants, example via telephone calls (which may be recorded), letters, fax, face-to-face meetings and emails;
  4. when your images are captured by us via closed-circuit television cameras ('CCTVs') while you are within our premises, or via photographs or videos taken by us or our representatives when you attend events hosted by us;
  5. when you use some of our services provided through online and other technology platforms, such as websites and apps, including when you establish any online accounts with us;
  6. when you request that we contact you, or include you in an email or other mailing list; or when you respond to our request for additional Personal Data, our promotions and other initiatives;
  7. when you are contacted by, and respond to, our marketing representatives, agents and other service providers;
  8. when we seek information about you and receive your Personal Data from third parties in connection with your relationship with us, for example, from referrers, business partners, external or independent asset managers, public agencies or the relevant authorities;
  9. through physical access, internet and information technology monitoring processes;
  10. in connection with any investigation, litigation, registration or professional disciplinary matter, criminal prosecution, inquest or inquiry which may relate to you or any Connected Person; and/or
  11. when you submit your Personal Data to us for any other reason.
2. When you browse our website and platforms, you generally do so anonymously but please see the section below on cookies. We do not, at our website and platforms, automatically collect Personal Data, including your email address unless you provide such information or login with your account credentials.
3. If you provide us with any Personal Data relating to a third party (for example, information of your spouse, children, parents, or a Connected Person), by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with his/her Personal Data for the respective purposes.
  'Connected Person' may include but is not limited to any beneficial owner, authorised signatory, director, shareholder, officer of a company, partner or member of a partnership, settlor, trustee, beneficial owner, protector or grantor of trust, mandate holder, power of attorney holder, surety, third party security provider, provider of funds, founder and/or employee, payee of designated payment, representatives, agents or nominees.
4. You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested. You agree to inform BOS immediately of any change of facts or circumstances which may render any information or Personal Data previously provided inaccurate, untrue or incorrect and provide any information or documentation as BOS may reasonably require for the purposes of verifying the accuracy of the updated information or Personal Data.
Purposes for the collection, use and disclosure of your Personal Data
1. Generally, BOS collects, uses and discloses your Personal Data for the following purposes:
  1. responding to, processing and handling your complaints, queries, requests, feedback and suggestions;
  2. verifying your identity and customer due diligence;
  3. managing the administrative and business operations of the Companies and complying with internal policies and procedures (including but not limited to facilitating business continuity planning);
  4. audit purposes;
  5. verifying or confirming trade orders or instructions from you or for your account (including but not limited to instructions on fund transfers or remittances);
  6. facilitating business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving any of the Companies;
  7. matching any Personal Data held which relates to you for any of the purposes listed herein;
  8. resolving complaints and handling requests and enquiries;
  9. preventing, detecting and investigating crime, including fraud and money-laundering or terrorist financing, and analysing and managing commercial risks (including but not limited to preventing and detecting loss of BOS’ proprietary and sensitive information);
  10. project management;
  11. providing media announcements and responses, for example in relation to complaints or law suits;
  12. requesting feedback or participation in surveys, as well as conducting market research and/or analysis for statistical, profiling or other purposes for us to design our products, understand customer behaviour, preferences and market trends, and to review, develop and improve the quality of our products and services;
  13. managing the safety and security of our premises and services (including but not limited to carrying out CCTV surveillance and conducting security clearances);
  14. managing and preparing reports on incidents and accidents;
  15. organising events, seminars or trainings;
  16. complying with any applicable rules, laws and regulations, codes of practice or guidelines, obligations, requirements or arrangements for collecting, using and disclosing Personal Data that apply to BOS or that it is expected to comply, according to:
    
    any law binding or applying to it within or outside Singapore existing currently and in the future;
    
    any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Singapore existing currently and in the future;
    
    any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on BOS by reason of its financial, commercial, business, or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations;
  These purposes may also apply even if you do not maintain any accounts with us, or have terminated these accounts.
2. In addition, BOS collects, uses and discloses your Personal Data for the following purposes depending on the nature of our relationship:
  1. If you are a prospective customer:
    
    evaluating your eligibility to open an account with us and your financial and banking needs and providing recommendations to you as to the type of products and services suited to your needs;
    
    assessing and processing any applications or requests made by you for products and services offered by BOS; and/or
    
    any other purpose relating to any of the above.
  2. If you are a customer holding an account with BOS or a Connected Person or an administrator, executor, liquidator, official assignee, receiver, judicial manager or other similar official who has been so appointed pursuant to bankruptcy or insolvency proceedings instituted in Singapore or elsewhere in respect of a BOS customer or any security provider:
    
    opening, maintaining or closing of accounts and our establishing or providing banking and trust services to you;
    
    processing fund transfers or any other instructions provided in relation to the account of a BOS customer;
    
    where account or relationship managers or agents have been assigned to service your account or portfolio, using your telephone number(s) to contact you from time to time in order to take your instructions, and/or provide you with information, updates, or recommendations and / or in accordance with the terms and conditions of our agreement with you;
    
    processing applications for and facilitating the daily operation of services and credit facilities provided to you or other persons or corporations for whom you act as surety or third party service provider;
    
    conducting credit checks at the time of application for credit and at the time of regular or special credit reviews;
    
    facilitating or processing your application for insurance products and/or trust services offered by BOS and its business partners;
    
    carrying out client reviews, for example, annual reviews of your portfolio;
    
    to establish your financial situation, risk profile, investment experience and investment objectives to help you consider the suitability of the products you have invested or intend to invest;
    
    providing internet banking services (including but not limited to carrying out special handling requests for PIN mailers and tokens;
    
    networking to maintain customer relationship;
    
    providing client servicing (including but not limited to responding to individual requests by customers, mailing services, reconciliation services and providing customer satisfaction);
    
    facilitating the transfer of funds within BOS banking accounts or from BOS accounts to external banking accounts and vice versa;
    
    administering exceptional approvals, fee adjustments or waivers;
    
    dealing with and designing investment products (for example, bonds, derivatives, equities, funds);
    
    registering the pledge or charge that you or the surety or the third party security provider has granted in favour of BOS as security for the credit facilities granted by BOS to you;
    
    administering credit and debit cards (including but not limited to processing card applications, transactions and credit limit approvals);
    
    providing cheque deposits and issuance services;
    
    determining and collecting amounts owed by you or the borrower for whom you act as surety or third party security provider or those providing security or acting as surety for your liabilities and obligations;
    
    enabling any Company or third party to perform the functions that BOS may have outsourced to it in relation to the management of your account or transactions;
    
    enabling an actual or proposed assignee of BOS, or participant or sub-participant or transferee of BOS’ rights, liabilities or obligations in respect of (1) you or (2) a security provider who provides security or acts as surety for your liabilities and obligations to evaluate the transaction intended to be the subject of the assignment, participation, sub-participation or transfer; and/or
    
    any other purpose relating to any of the above.
  3. If you are an employee or agent of a referrer or other intermediary:
    
    marketing services and products;
    
    processing commission remuneration;
    
    performing due diligence and reference checks; and/or
    
    any other purpose relating to any of the above.
  4. If you are an employee, officer or owner of an external service provider or vendor outsourced or prospected by BOS;
    
    managing project tenders or the supply of goods and services;
    
    processing and payment of vendor invoices;
    
    complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (which includes disclosure to regulatory bodies or audit checks); and/or
    
    any other purpose relating to any of the above.
  5. If you are a party or counterparty to a transaction (for example, a beneficiary of a fund transfer or payment):
    
    providing cash, payment and transactional services (including but not limited to the execution, settlement, reporting and/or clearing of the relevant transaction); and/or
    
    any other purpose relating to any of the above.
  6. If you sit on the BOS Board of Directors:
    
    facilitating appointment to the Board (including but not limited to managing the publication of directors’ statistics on annual reports and circulars);
    
    complying with any applicable rules, laws and regulations, codes of practice or guidelines or to assist in law enforcement and investigations by relevant authorities (including but not limited to disclosures to regulatory bodies or conducting due diligence);
    
    administrative matters (including but not limited to the maintenance of statutory registers and lodgement of directors’ fee);
    
    managing insurance programmes; and/or
    
    any other purpose relating to any of the above.
3. In addition, where permitted under the Act, BOS may also collect, use and disclose your Personal Data for the following purposes (which we may describe in our documents and agreements as 'Additional Purposes' for the handling of Personal Data):
  1. providing or marketing services, products and benefits to you, including promotions, loyalty and reward programmes;
  2. matching Personal Data with other data collected for other purposes and from other sources (including third parties) in connection with the customisation, provision or offering of products and services, marketing or promotions, whether by BOS or other third parties;
  3. sending you details of products, services, special offers and rewards, investment or research reports or guides, either to our customers generally, or which we have identified may be of interest to you; and/or
  4. conducting market research, understanding and analysing customer behaviour, location, preferences and demographics for us to offer you products and services as well as special offers and marketing programmes which may be relevant to your preferences and profile.
4. If you have provided your Singapore telephone number(s) and have indicated that you consent to receiving marketing or promotional information via your Singapore telephone number(s), then from time to time, BOS may contact you using such Singapore telephone number(s) (including via voice calls, text , fax or other means) with information about our products and services (including discounts and special offers).
5. In relation to particular products or services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.

Disclosure of Personal Data

BOS will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions of any applicable law, your Personal Data may be provided, for the purposes listed above (where applicable), to the following entities or parties, whether they are located overseas or in Singapore:

BOS’s related corporations and overseas branches and offices;
counterparties and their respective banks in relation to transactions for your account including purchasing and selling of securities and investment products, fund transfers, payments, issuance of standby letters of credit, banker’s guarantees or letters of undertaking and drawing of cheques;
third party recipients of reference letters;
companies providing services relating to insurance and/or reinsurance to BOS;
insurers or brokers in relation to the insurance products or services that you have applied for or purchased;
trustees, attorneys and asset managers appointed by you to manage your account held with BOS;
referrers who have referred you to BOS;
any person (1) who provides security or acts as surety for your liabilities and obligations to BOS or (2) for whom you act as surety or third party security provider;
agents, contractors, vendors, installers, or third party service providers who provide administrative or operational services to BOS, such as courier services, telecommunications, information technology, payment, payroll, processing, training, market research, storage, archival, customer support investigation services or other services to BOS;
agents, contractors, vendors or other third party service providers in connection with marketing, products and services offered by BOS;
analytics, search engine providers or third party service providers that assist us in delivering our products, services, websites and platforms as well as improving and optimising the same;
credit reporting agencies;
debt collection agencies;
your employers which are financial institution, for their internal surveillance or monitoring purposes;
any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or any debt or asset sale) involving any of the Companies;
credit card companies and their respective service providers in respect of credit cards held by you;
translators;
our professional advisers such as our auditors and lawyers;
third parties who provide corporate advisory services or due diligence services in connection with you, any Connected Person or your account held with BOS;
relevant government regulators, government ministries, exchange, statutory boards or authorities or law enforcement agencies who have jurisdiction over BOS or any Company or over any transaction entered into by you, such as the Monetary Authority of Singapore, Singapore Exchange Limited, the Accounting and Corporate Regulatory Authority, the Insolvency and Public Trustee Office, the Inland Revenue Authority of Singapore and the Commissioner of Charities, as well as to comply with listing and other requirements or directions of Singapore Exchange Limited and/or any other relevant securities exchange;
any liquidator, receiver, administrator, judicial manager, trustees-in-bankruptcy, custodian or other similar official who has been so appointed, pursuant to bankruptcy, winding-up or insolvency proceedings instituted in Singapore or elsewhere, in respect of you or your assets;
third parties who carry out registration of charge or pledge over the assets that you have pledged or charged to BOS;
corporate service providers or lawyers, who are appointed by you;
surveyors or valuers or other third parties in relation to assets which you will be charging or mortgaging to BOS;
the Central Provident Fund (CPF”) Board in relation to CPF investment products;
financial institutions, brokerage houses, clearing houses, depository, depository agents, managers, administrators, fund houses, registrars, custodians, external banks, the Central Depository, nominee banks and investment vehicles in relation to asset management and investment product settlement processing;
collection and repossession agencies in relation to the enforcement of repayment obligations for loans;
third parties who organise promotional or marketing events, seminars or trainings;
any actual or proposed assignee of BOS or participant or sub-participant or transferee of BOS’ rights, liabilities or obligations in respect of (1) you or (2) a security provider who provides security or acts as surety for your liabilities and obligations to evaluate the transaction intended to be the subject of the assignment, participation, sub-participation or transfer;
any person to whom BOSTL or any of the Companies is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to BOSTL or any of the Companies, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which BOSTL or any of the Companies are expected to comply, or any disclosure pursuant to any contractual or other commitment of BOSTL or any of the Companies with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or industry bodies or associations of financial services providers, all of which may be within or outside Singapore and may be existing currently and in the future; and/or
any other party to whom you authorise us to disclose your Personal Data to.

5. Contacting us – feedback, withdrawal of consent, access and correction of your Personal Data

If you:

have any questions or feedback relating to your Personal Data or our Data Protection Policy;
would like to withdraw your consent to any use of your Personal Data as set out in this Data Protection Policy; or

would like to obtain access and make corrections to your Personal Data records, please contact BOSTL as follows:

Email:	dpo.sg@BOSTrustee.com
Call:	+65 6818 6478
Write in:	Data Protection Officer Data Protection & Governance Office BOS Trustee Limited 63 Market Street #14-00 Bank of Singapore Centre Singapore 048942

Please note that if your Personal Data has been provided to us by a third party (e.g. The Central Depository Pte Ltd), you should contact such party directly to make any queries, feedback, and access and correction requests to BOSTL on your behalf.

If you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, BOSTL may not be in a position to continue to provide its Services to you, administer any contractual relationship in place, may also result in the termination of any agreements with BOSTL, and your being in breach of your contractual obligations or undertakings, and BOSTL’s legal rights and remedies in such event are expressly reserved.

6. Governing law

This Data Protection Policy and your use of this website shall be governed in all respects by the laws of Singapore.

NEXTGEN Community（僅提供英文版本）

This NextGen Community Data Protection Notice (“Notice”) sets out the basis which Bank of Singapore Limited (“we”, “us”, or “our”) may collect, use, disclose or otherwise process personal data of our NextGen members in accordance with the Personal Data Protection Act (“PDPA”). This Notice applies to personal data in our possession or under our control, including personal data in the possession of organisations which we have engaged to collect, use, disclose or process personal data for our purposes.

PERSONAL DATA

As used in this Notice:

“member” means an individual who (a) has contacted us through any means to find out more about any products or services we provide, or (b) may have, or has, entered into a contract with us for the supply of any products or services by us; and

“personal data” means data, whether true or not, about a member who can be identified: (a) from that data; or (b) from that data and other information to which we have or are likely to have access.

Depending on the nature of your interaction with us, some examples of personal data which we may collect from you include your full name and contact information such as your email address and/or phone number, gender, nationality, date of birth, topics of interests, and industry of work.

Where you may participate in programmes organised in conjunction with overseas partners, such as our Future Wealth Executive Programme, additional information including but not limited to your passport number, highest educational qualification, employer, designation, scanned copy of passport may be collected for the purpose of administrating the Programme, and making the relevant arrangements for your participation in the Programme with our Programme partners.
Other terms used in this Notice shall have the meanings given to them in the PDPA (where the context so permits).

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA

We generally do not collect your personal data unless (a) it is provided to us voluntarily by you directly or via a third party who has been duly authorised by you to disclose your personal data to us (your “authorised representative”) after (i) you (or your authorised representative) have been notified of the purposes for which the data is collected, and (ii) you (or your authorised representative) have provided written consent to the collection and usage of your personal data for those purposes, or (b) collection and use of personal data without consent is permitted or required by the PDPA or other laws. We shall seek your consent before collecting any additional personal data and before using your personal data for a purpose which has not been notified to you (except where permitted or authorised by law).
We may collect and use your personal data for any or all of the following purposes:
1. performing obligations in the course of or in connection with our provision of the products and/or services requested by you, including the administration of the NextGen Community, as well as to organize events such as educational forums, networking events, investment workshops and lifestyle events;
2. verifying your identity;
3. responding to, handling, and processing queries, requests, applications, complaints, and feedback from you;
4. managing your relationship with us;
5. sending you invitations to our events and post-event summaries, including but not limited to lifestyle, networking and educational events;
6. complying with any applicable laws, regulations, codes of practice, guidelines, or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority;
7. any other purposes for which you have provided the information;
8. transmitting to any unaffiliated third parties including our third-party service providers and agents, such as service providers who provide administrative or operational services to BOS, such as courier services, telecommunications, and information technology services, and relevant governmental and/or regulatory authorities, whether in Singapore or abroad, for the aforementioned purposes; and
9. any other incidental business purposes related to or in connection with the above.
We may disclose your personal data:
1. (a) where such disclosure is required for performing obligations in the course of or in connection with our provision of the products or services requested by you; or
2. (b) to third party service providers, agents and other organisations we have engaged to perform any of the functions listed in clause 6 above for us.
The purposes listed in the above clauses may continue to apply even in situations where your relationship with us (for example, pursuant to a contract) has been terminated or altered in any way, for a reasonable period thereafter (including, where applicable, a period to enable us to enforce our rights under any contract with you).

WITHDRAWING YOUR CONSENT

The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is being withdrawn by you in writing. You may withdraw consent and request us to stop using and/or disclosing your personal data for any or all of the purposes listed above by submitting your request in writing or via email to our Data Protection Officer at the contact details provided below.
Upon receipt of your written request to withdraw your consent, we may require reasonable time (depending on the complexity of the request and its impact on our relationship with you) for your request to be processed and for us to notify you of the consequences of us acceding to the same, including any legal consequences which may affect your rights and liabilities to us.

Whilst we respect your decision to withdraw your consent, please note that depending on the nature and scope of your request, we may not be in a position to continue providing our products or services to you and we shall, in such circumstances, notify you before completing the processing of your request. Should you decide to cancel your withdrawal of consent, please inform us in writing in the manner described in clause 20 above.
Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal data where such collection, use and disclose without consent is permitted or required under applicable laws.

ACCESS TO AND CORRECTION OF PERSONAL DATA

If you wish to make (a) an access request for access to a copy of the personal data which we hold about you or information about the ways in which we use or disclose your personal data, or (b) a correction request to correct or update any of your personal data which we hold about you, you may submit your request in writing or via email to our Data Protection Officer at the contact details provided below.

PROTECTION OF PERSONAL DATA

To safeguard your personal data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, we have introduced appropriate administrative, physical and technical measures such as up-to-date antivirus protection, encryption and the use of privacy filters to secure all storage and transmission of personal data by us, and disclosing personal data both internally and to our authorised third party service providers and agents only on a need-to-know basis.
You should be aware, however, that no method of transmission over the Internet or method of electronic storage is completely secure. While security cannot be guaranteed, we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures.

ACCURACY OF PERSONAL DATA

We generally rely on personal data provided by you (or your authorised representative). In order to ensure that your personal data is current, complete and accurate, please update us if there are changes to your personal data by informing our Data Protection Officer in writing or via email at the contact details provided below.

RETENTION OF PERSONAL DATA

We may retain your personal data for as long as it is necessary to fulfil the purpose for which it was collected, or as required or permitted by applicable laws.
We will cease to retain your personal data, or remove the means by which the data can be associated with you, as soon as it is reasonable to assume that such retention no longer serves the purpose for which the personal data was collected, and is no longer necessary for legal or business purposes.

TRANSFERS OF PERSONAL DATA OUTSIDE OF SINGAPORE

We generally do not transfer your personal data to countries outside of Singapore. However, if we do so, we will take steps to ensure that your personal data continues to receive a standard of protection that is at least comparable to that provided under the PDPA.

DATA PROTECTION OFFICER

You may contact our Data Protection Officer if you have any enquiries or feedback on our personal data protection policies and procedures, or if you wish to make any request, to dpo@bankofsingapore.com.

EFFECT OF NOTICE AND CHANGES TO NOTICE

This Notice applies in conjunction with any other notices, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your personal data by us.

We may revise this Notice from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Notice was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.

Last updated on 07 June 2024.

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本私隱聲明的哪個版本適用?

Cookie聲明

3. 我們使用哪種類型的Cookies?

4. 您有甚麼選擇?

新加坡銀行歐洲財富管理公司（僅提供英文版本）

Introduction

Data Protection Policy

Website Privacy Policy

Cookie Declaration

Recruitment Privacy Notice

新加坡銀行有限公司（迪拜國際金融中心分行）（僅提供英文版本）

BOS Dubai International Financial Centre Branch data privacy notice

Personal Data

Collection of Personal Data

Purposes for the collection, use and disclosure of your Personal Data

Disclosure of Personal Data

Use of cookies and related technologies

Data security

Third-party sites

Contacting us – feedback and requests relating to your Rights under the Law

新加坡銀行信託有限公司 （僅提供英文版本）

BOS Trustee Limited privacy statement

Personal Data

Collection of Personal Data

Purposes for the collection, use and disclosure of your Personal Data

Disclosure of Personal Data

5. Contacting us – feedback, withdrawal of consent, access and correction of your Personal Data

6. Governing law

NEXTGEN Community（僅提供英文版本）

NEXTGEN Community Data protection notice

新加坡銀行總部

聯絡本行

新加坡銀行信託有限公司（僅提供英文版本）