IglooFin.

1. Acceptance of Terms

By registering an account, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not proceed with registration.

2. Account Responsibility

• You are responsible for maintaining the confidentiality of your login credentials.
• Any activity conducted through your account is deemed authorized by you.

3. Usage of Service

• The platform is provided for managing and storing your insurance-related information.
• You agree not to misuse the platform for unlawful or unauthorized purposes.

4. Accuracy of Information

• You are responsible for ensuring the accuracy of the information provided during registration and while using the platform.
• The platform is not liable for incorrect or outdated information provided by users or agents.

5. Privacy and Data Security

• We prioritize the security of your personal data and comply with applicable data protection laws.
• Refer to our Privacy Policy for details on how we collect, use, and store your data.

6. Limitation of Liability

• The platform provides tools for managing insurance information but does not offer financial or legal advice.
• We are not liable for any errors, omissions, or decisions made based on the platform's content.

7. Changes to Terms

• These Terms & Conditions may be updated periodically.
• Continued use of the platform after changes constitutes your acceptance of the new terms.

8. Termination of Account

We reserve the right to suspend or terminate accounts that violate these terms.

9. Contact Us

For questions regarding these terms, please contact us at: info@igloofin.com

10. Personal Data Protection (PDPA Compliance)

10.1 Collection and Use of Personal Data

We collect, use, and disclose your personal data solely for purposes related to your use of the platform and in accordance with Singapore's Personal Data Protection Act (PDPA).

10.2 Consent

By registering and using the platform, you consent to the collection, use, and disclosure of your personal data as described in our Privacy Policy. This includes allowing us to contact you via phone, SMS, or email for purposes related to your account, insurance matters, policy updates, or platform services. You may opt out of such communications at any time by contacting us.

10.3 Access and Correction

You have the right to request access to your personal data and request corrections if any information is inaccurate or outdated.

10.4 Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws.

10.5 Cross-border Data Transfers

If personal data is transferred outside of Singapore, we ensure that the recipient provides a standard of protection comparable to PDPA standards.

10.6 Data Breach Notification

In the event of a data breach that affects your personal data, we will notify you and the Personal Data Protection Commission (PDPC) as required by Singapore law.

11. Data Sharing Within Igloo Ecosystem

We may share your personal data within our ecosystem of current and future platforms under the Igloo brand to improve our services, provide relevant offers, and enhance your overall experience. Where relevant, we may also share your data with our insurance partners for policy administration and claims-related purposes. All such sharing will be done in compliance with Singapore’s Personal Data Protection Act (PDPA) and with strict confidentiality. You may opt out of internal data sharing at any time by contacting us.