We take our responsibilities under Singapore's Personal Data Protection Act 2012 (the "PDPA") seriously and recognize the importance of proper management, protection and processing of the personal data that you have entrusted to us.

The purpose of this Personal Data Protection Policy ("Policy") is to help you understand how we collect, use, disclose and/or process the personal data you have provided to us, as well as to assist you in making an informed decision before providing us with any of your personal data.

If you, at any time, have any queries on this Policy or any other queries on how we manage, protect and/or process your personal data, please do not hesitate to contact us at (65) 6220 7890 or cs@dollardex.com.

The Personal Data Protection Act or "PDPA" governs the collection, use and disclosure of personal data by organisations. It consists of the Do Not Call (DNC) Obligations which came into effect on 2 January 2014 and the Data Protection (DP) Obligations which came into effect on 2 July 2014.

Useful Links

• PDPC website
• DNC Registry website

This Personal Data Protection Policy ("Policy") provides details of how we will process, collect, use and disclose your personal data. Please take a moment to read this Policy so that you are aware of the purposes for which we collect, use and disclose your personal data before you provide your consent.

Our Cookie Policy can be found at the end of the Personal Data Protection Policy.

To manage your relationship and to process and/or administer your relationship with Navigator, we will need to collect, use, disclose and/or process your personal data.

Such personal data includes information provided by you or other parties from time to time, in our forms or collected from other sources; and includes existing data in our possession and/or to be collected in the future.

Such personal data will be collected, used, disclosed and/or processed by Navigator (or Singlife group of companies) for the purpose(s) of:

• Providing, administering, servicing or dealing with the services provided by Navigator or through this Website (including processing of applications for any investment products);


• Managing the investment products that you have purchased through this Website, which may include providing information about the investment product you have purchased;


• Processing or carrying out your instructions or responding to any enquiry made by you or on your behalf;


• Managing matters relating to this Website, your accounts and/or relationship with Navigator;


• Mailing of correspondence or any other relevant document(s), to you, which may disclose certain personal data about you on the envelopes/mail packages);


• Managing your records, including storage, archival, back up and/or destruction of personal data.


• Complying with applicable laws, regulations, rules, guidelines, schemes or directions imposed by any regulator, government body, statutory body, law enforcement agency or dispute resolution body;


• Complying with Navigator and group company policies and procedures (including reporting and disclosure policies and procedures);


• Carrying out compliance monitoring and audit reviews; due diligence checks, other screening activities and/or similar activities in accordance with Navigator legal or regulatory obligations or risk management procedures;


• Conducting, processing and analyzing surveys, research or industry exercises to design and/or improve Navigator's products or services;


• Investigating fraud, misconduct or any unlawful act or omission relating to your investments and/or account;


• If consented by you, providing you with marketing/ promotional information on new and/or other investment products and financial services which in the opinion of Navigator may be of interest or benefit to you, by way of telephone calls, SMS/MMS, direct mailers and email to any telephone number as well as mailing and email address provided by you to Navigator from time to time.

(collectively, the "Purposes")
Some of these purposes may apply or continue to apply after your relationship with Navigator or services provided by Navigator to you have ended.

Your personal data will be retained as long as any of the purposes for which it was collected, used or disclosed remains and until it is no longer necessary for any legal business purposes.

The personal data provided by you to us may be disclosed by us/Navigator to the following parties (whether such parties are located or resident within or outside Singapore) for one or more of the above Purposes:

• Financial institutions, which may include fund managers or intermediaries, that provide, service and/or administer the investment products that you have purchased;


• Employees, representatives, officials and directors of Navigator;


• Related companies or third party vendors engaged by Navigator to store and maintain our data and documents, provide processing, administrative or computer services, data analytics, research or other services or facilities to Navigator;


• Banks, credit card companies or CPF Board;


• Related companies or regional office or head office to comply with company policies and procedures or upon their valid request.


• Legal and Accounting firms providing services to Navigator; and


• Regulatory, government and statutory bodies or dispute resolution bodies to comply with applicable laws or regulations or upon their valid request.

(collectively the "Recipients").
Neither Navigator nor any of its officials shall be liable for any loss or damage suffered by you or any user as a result of any disclosure of any personal data which you have consented to Navigator and/or any of its officials disclosing.

By signing on the forms provided by this Website and/or Navigator, you are providing your consent to Navigator to:

• Collect use, disclose and/or process your personal data;


• Collect personal data about you from sources other than yourself and to use, disclose and/or process such personal data;


• Disclose your personal data to the Recipients; and


• Transfer your personal data to where the Recipients are sited (whether in Singapore or outside of Singapore)

for the Purposes described above.

You may withdraw your consent for the collection, use and/or disclosure of your personal data in our possession or under our control by contacting us at (65) 6220 7890 or cs@dollardex.com

You can choose whether or not to receive marketing messages and the channels to receive them. To do so, use your Change profile page; this will register your consent for marketing purposes.
https://www.dollardex.com/sgn/?current=userProfile/home

Please note that even if you choose not to receive all marketing messages, you will still receive communications relating to follow up, servicing and other updates pertaining to your application or investments.

If you withdraw your consent for your personal data to be used for marketing purposes, we will process your request for such withdrawal of consent, and will thereafter cease to use and/or disclose your personal data for marketing purposes within 21 calendar days of your request.

Please be informed that if you request to withdraw your consent for Navigator to use your personal data for servicing purposes, Navigator will not be able to administer your account or provide servicing support for the investment products you have purchased.

• You may request to access and/or correct the personal data currently in our possession by contact us at (65) 6220 7890 or cs@dollardex.com.


• For a request to access personal data, we will provide you with the relevant personal data 30 calendar days from such a request being made.


• For a request to correct personal data, we will :
• correct your personal data as soon as practicable after the request has been made unless we have reasonable grounds not to do so; and
• subject to paragraph 4, we will send the corrected personal data to every other organisation to which the personal data was disclosed by Navigator within a year before the date the correction was made, unless that other organisation does not need the corrected personal data for any legal or business purpose.


• Notwithstanding paragraph 3(b), we may, if you consent, send the corrected personal data only to specific organisations to which the personal data was disclosed by us within a year before the date the correction was made.


• We will also be charging you a reasonable fee for the handling and processing of your requests to access your personal data.

• If you have any complaint or feedback about how we are handling your personal data or complying with the PDPA, please contact our Data Protection Officer at:

Tel: +65 6220 7890
cs@dollardex.com


• We will attend to any complaint or grievance that you may have promptly and fairly.

• As part of our efforts to ensure that we properly manage, protect and process your personal data, we will be reviewing our policies, procedures and processes from time to time.


• We reserve the right to amend the terms of this Personal Data Protection Policy at our absolute discretion. Any amended Policy will be posted on our website and you agree to be bound by such amended Policy.


• You are encouraged to visit the above website from time to time to ensure that you are well informed of our latest Policy in relation to personal data protection.

We use cookies on our websites to help make your visits more effective so we'd like to explain more about how and why we use them.

Cookies make websites work better

Cookies are small text files placed on your computer by websites or sometimes by emails. They allow you to use the site more efficiently and save time by not having to re-enter your details each time you visit. They also make sure you receive the most relevant information from Navigator. For us, cookies help us to analyse how our customers interact with our sites so we can make improvements. Some cookies are essential and some are not.

Certain cookies are necessary in order for you to use our websites, such as maintaining log in details for the session or a transaction. These are used only for the duration of each visit, and they expire when you leave the site. They're not stored on your computer and they don't contain any personal data. You can delete them via your browser if you wish to, but this will restrict the functions that you're able to carry out on our sites. Session and tracking cookies are commonly used. You can visit About cookies website for more information.

These cookies make it quicker and easier for you to access sites on subsequent visits that use Flash technology. Deleting them means you may have to re-enter information each time you visit the same site. But just like any cookie, you can delete Flash cookies by going to the Settings Manager for your Adobe Flash Player. You will be taken to the Adobe website, which lists the websites with the cookies in your browser. Just click Delete opposite the relevant website.

These cookies are usually supplied by our business partners. We use some non-essential cookies for analytical and marketing purposes.

Provided by our advertising suppliers, these cookies are used to serve our internet advertisements on other sites. Some of our web pages may contain electronic images that help us see how users interact on these pages. They may also provide our online advertisers with information about the interaction.

From time to time, we use certain web analytics tools. These web analytics services enable us to recognise repeat visitors to the site. By matching an anonymous, randomly generated identifier, we're able to record the specific browsing information such as how you arrive at the site, the pages you view and the path you take through the site. By monitoring this information, we're able to make improvements to our sites.

By using our websites, you agree that we can place both essential and non-essential cookies on your device. At any time, you can block any cookies from any website through your browser settings. Do take note that if you share the use of a computer, accepting or rejecting the use of cookies will affect all users of that computer.