Thank you for using this app/portal.

The following are terms of a legal agreement between you, NTUC Income Insurance Co-operative Limited (“Income”) and MHC Asia Group Pte Ltd (“MHC”) (Income and MHC are collectively referred to as “we”, “us” or “our”).

By downloading, accessing, browsing or using this app/portal, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations.

Before you continue, you are required to read through the following terms of use (“Terms of Use”), as it forms a binding agreement between you and us regarding your use of the Products.

If you are not agreeable to these Terms of Use, please stop using the app/portal immediately.


1. General

1.1 We reserve the right to change the Terms of Use and any other information contained in this app/portal at any time without notice. The updated changes and your use of this app/portal after such changes will constitute your agreement to the modified Terms of Use.

1.2 We may modify, suspend, discontinue or restrict the use of the app/portal, any portion thereof or any content at any time with or without notice.


2. Proprietary Rights

2.1 This app/portal is maintained by MHC.

2.2 The materials displayed in this app/portal inclusive of the information and software programmes (the "Contents"), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents and other intellectual property right to this app/portal are owned by, licensed to or controlled by MHC (excluding any trademark, copyright and any intellectual property rights of intellectual property rights owned by Income which can be found on the app/portal)


3. Privacy Policy

3.1 In order to use and access the app/portal, you are required to provide information about yourself (such as identification details) as part of the registration and e-claim process, or as part of the continued use of the app/portal. You agree that any information you give to us will always be accurate, correct and up to date.

3.2 By using this app/portal you consent to our collection and use of your personal information to allow us to provide services and features to meet your needs, and to customize and improve our services to make your experience more secure and convenient. We only collect personal information about you that we consider reasonably necessary for achieving these purposes.

3.3 By submitting a claim whether online via MHC website, or via this app/portal, or manually, you agree that the information captured into and stored in any database may be disclosed to other third parties or made available to your employer for the management of the coverage provided by your employer. We may disclose your personal information to other third parties to facilitate the processing of any claims including the settlement of claims and any necessary investigations relating to the claims under your coverage; dealing in any matters relating to the services under you insurance coverage which you have applied (including the mailing of statements, invoices, reports or notices to you, which could involve disclosure of certain personal data about you to bring about delivery of the same); and investigating fraud, misconduct, any unlawful action or omission, whether relating to your claims or any other matter relating to your insurance coverage.We may also retain and disclose your information for regulatory and audit purposes.

3.4 Accordingly, you agree and understand that you are solely responsible for all activities that occur under your account. If you are aware of any unauthorised use of your account, you agree to notify MHC immediately.


4. App/Portal Updates

4.1 The app/portal which you use may require you to install updates from time to time. These updates are designed to improve, enhance and further develop the app/portal and may take the form of bug fixes, enhanced functions, new modules and completely new versions. You agree to receive such updates as part of your use of the app/portal. We do not guarantee that we will always update the app/portal so that it is relevant to you and/or works with your device.


5. Restrictions on use

5.1 Except as otherwise provided, the Contents of this app/portal shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior written permission of us. You may not: decompile, reverse engineer, disassemble, otherwise convert or authorize any third party to decompile, reverse engineer, disassemble or otherwise convert, the app/portal to a human perceivable form, resell, rent, lease or lend the app/portal; or transfer the app/portal or this agreement to any third party.

5.2 Modification of any of the Contents or use of the Contents for any other purpose will be a violation of our copyright and other intellectual property rights. Graphics and images on this app/portal are protected by copyright and may not be reproduced or appropriated in any manner without our prior written permission.

5.3 You are not allowed to attempt to extract the source code of the app/portal, translate the app/portal into other languages, or make derivative versions.


6. Exclusion of Warranties and Limitation of Liability

6.1 You expressly understand and agree that your use of the app/portal is at your sole risk and that the services are provided "as is" and "as available".

6.2 In particular, we, our subsidiaries and affiliates, and it's licensors do not represent or warrant to you that:

a) Your use of the services will meet your requirements;

b) Your use of the services will be uninterrupted, timely, secure or free from error;

c) Any information obtained by you as a result of your use of the app/portal will be accurate or reliable; and

d) That defects in the operation or functionality of any software provided to you as part of the services will be corrected.

6.3 Any material downloaded or otherwise obtained through the use of the app/portal is done at your own discretion and risk and that you will be solely responsible for any damage to your device or loss of data that results from the download.

6.4 We shall not be liable for and you will indemnify us against any claims, losses, damages or expenses (inclusive of all legal costs on a full indemnity basis) howsoever caused by the use of, or the inability to use, this app/portal, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. We shall also not be liable for any damages or injury including but not limited to, special or consequential damages that result from the use of, or the inability to use, this app/portal.


7. Right of Access

7.1 We reserve all rights to deny or restrict access to this app/portal to any particular person, at any time, without ascribing any reasons whatsoever.


8. Medical Card

8.1 This App/Portal allows you to retrieve an electronic copy of your medical card (e-Card). You are required to present this e-Card, together with your Identity Card (IC) at the panel clinic in order for you to receive cashless medical treatment.


9. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of Singapore and the Parties agree to submit any dispute rising from or in connection with these terms and conditions to the exclusive jurisdiction of the courts of Singapore.


10. Disclaimer

This App/Portal may include technical inaccuracies or typographical errors. This App/Portal is provided on an “as-is” basis without warranties of any kind either expressed or implied. We disclaim any and all liability regarding the use of or the result of the use of the app/portal in terms of its correctness, accuracy, reliability, or otherwise and we do not guarantee that your use of the app/portal will be uninterrupted or error free.

Income recognises its obligations under the Personal Data Protection Act 2012 (PDPA) which include the collection, use and disclosure of personal data for the purpose for which an individual has given consent to.

The personal data collected by Income includes all personal data provided in this form, or in any document provided, or to be provided to us by you or your insured persons or from other sources, for the purpose of this insurance transaction. It includes all personal data for us to evaluate or administer this transaction.

You may not alter any of the wording in this ‘Personal data collection statement’. Any attempt to do so will be of no effect.

1. Purpose of collection

We may collect and use the personal data to:
(a) carry out identity checks;
(b) carry out membership or information checks;
(c) communicate on purposes relating to this transaction;
(d) decide whether to insure or continue to insure you and your insured persons;
(e) provide ongoing services and respond to your inquiries or instructions;
(f) make or obtain payments;
(g) investigate and settle claims;
(h) recover any debt owed to us;
(i) detect and prevent fraud, unlawful or improper activities;
(j) conduct research and statistical analysis;
(k) coach employees and monitor for quality assurance;
(l) reinsure risks and for reinsurance administration; and
(m) comply with all applicable laws, including reporting to regulatory and industry entities

2. Disclosure of personal data

We may disclose personal data belonging to you and your insured persons for the purposes set out in Section 1 above to these parties:
(a) your financial advisers, insurance broker, association, employer or group policyholder;
(b) medical professionals and institutions;
(c) insurers and reinsurers;
(d) local or overseas service providers to provide us with services such as printing, mail distribution, data storage, data entry, marketing and research, disaster recovery or emergency assistance services;
(e) debt collection agencies;
(f) dispute resolution parties;
(g) parties that assist us to investigate, administer and adjudicate claims;
(h) financial institutions;
(i) credit reference agencies;
(j) industry associations; and
(k) regulators, law enforcement and government agencies.

3. Consequence of withdrawing consent to the collection, use and disclosure of personal data

You may refuse or withdraw your consent for us to collect, use or disclose your personal data and your insured persons’ personal data by giving us reasonable notice so long as there are no legal or contractual restrictions preventing you from doing so. For example, you may withdraw your consent for your personal data to be used for marketing purposes, and this withdrawal will not affect our ability to provide you with the products and services that you asked for or have with us. But if you withdraw your consent for us to use your personal data for your insurance matters, this will affect our ability to provide you with the products and services that you asked for or have with us, including preventing us from keeping your insurance cover in force or properly assessing and processing your claim. Withdrawing such consent will require you to surrender or terminate all your policies with us.

4. Access and correction rights

You can request access to any personal data of yours that we have, and request to know how it is being used and disclosed for the last 12 months to the extent your right is allowed by law. If we allow you access, we may charge you a reasonable fee. You also have the right to request correction of your personal data.

You may make your request to withdraw your consent, access or correct your personal data by writing to:
The Data Protection Officer, Income Centre, 75 Bras Basah Road, Singapore 189557. Alternatively, you can email to: DPO@income.com.sg.

We are committed to protect the security of our customers' transactions and the privacy of their personal information. We truly understand your concerns about transmitting and receiving confidential information online. We employ a wide range of methods to ensure this security.

The following are the security measures implemented.

  • Physical security of our facilities and information stored in those facilities.
  • Information obtained is stored on a secured server.
  • Secure Socket Layer (SSL) is the encryption technology used in transmitting confidential and personal information between ”income.com.sg” and its users.
  • User passwords are encrypted in our database
  • Backup systems to ensure the security of critical data even in the case of a disaster.
  • Additional verification procedures and second level password are implemented to protect more confidential information.
  • Multiple levels of firewall between our internal computer systems and the Internet.
  • Only valid username and password which identify each unique user will be allowed to log in to our secure web site(s). This ensures that only authorised users are admitted into our secure site(s).
  • As an additional security measure, we log users out the session if there is no activity after a specific period.

Security Guidelines

Your Role In Safeguarding Your Personal Data And Account Information

Please ensure that your online password is kept confidential. Failure to do so exposes you to the risks of fraud and loss. We will not be responsible for losses suffered by customers as a result of:

  • input errors or misuse of its Internet services;
  • negligent handling or sharing of password;
  • leaving a computer unattended during an online session;
  • failure to report known incidents of unauthorised account access immediately.

The following are some security precautions that you should undertake when accessing the website/mobile app.

Checking For Authenticity And Security Of Website

Having both the username and password will help ensure that only permitted users can gain entry into online systems but there is also a need to check for authenticity and security of the website/mobile app.

  • You should always check to ensure that the website address changes from http:// to https:// and, look out for a security icon in the form of a yellow lock when authentication and encryption is expected.
  • You should also ensure that the website you are visiting belongs to NTUC Income (“Income”) appointed vendor MHC Medical Network Pte Ltd (“MHC”). MHC uses digital certificate and this can be found by clicking on the yellow lock icon.
  • If you notice any discrepancy in the SSL certificate or there is a SSL server certificate warning, please terminate your login session and notify us.

Managing Your Username and Password

Your username and password identify you when you use our services. This also includes your One-Time Password (OTP) which is sent to your registered email address when you submit your username and password.

Following are some of the guidelines on managing your username, password and OTP.

  • Ensure that your password and OTP are not exposed when you log in to our system.
  • Keep your password and OTP confidential at all times and do not divulge them to anyone.
  • Do not allow anyone to use your username and password, as you are responsible for all transactions undertaken with your username and password.
  • Do not use common or easy-to-guess passwords like your username, personal telephone number, birth date or other personal information.
  • Memorise your password and do not write or record it anywhere.
  • Do not select the option on browsers for storing or retaining username and password.
  • Change your password regularly.
  • Change your password immediately if you suspect that it has been disclosed to others.
  • Never use the same password for other web-based services such as for email or online services, particularly when they are related to different websites/mobile apps.
  • Do not use shared, public or Internet cafe computers to access our online portals.

Note:
No staff member or vendor should ever ask you for your password for whatsoever reasons. You must not reveal your password under any circumstances.

Take Precautions Against Virus, Trojan Horse, Worms and Spyware

Viruses and malicious software can capture password keystrokes and other personal information. The following are some security precautions you should undertake.

  • Do not use a computer or a device which cannot be trusted.
  • Install anti-virus, anti-spyware and firewall software in your personal computers especially when you are using broadband connections, digital subscriber lines or cable modems.
  • All the anti-virus, anti-spyware and firewall software products should be updated with security patches or newer versions on a regular basis.
  • Do not install software or run programs of unknown origin.
  • Do not open any email or attachment that is from an unknown source.
  • Delete junk or chain emails.
  • Update your operating system patches and service packs.
  • Make regular backup of critical data.
  • Consider the use of encryption technology to protect highly-sensitive data.
  • Remove file and printer sharing in your PCs, especially when they have internet access via cable modems, broadband connections or similar set-ups.
  • Do not disclose personal, financial or credit card information to little-known or suspected websites.

Remember To Log Out

Always remember to log out from your session when you have completed your transactions. Do not leave your computer unattended while Internet transactions are being processed.

Clear Your Browser's Cache

It is strongly advised that you clear your browser's disk cache after each session for both website/mobile app. Default files on a computer, called 'cache' files, can retain images of data sent or received over the Internet, making them a potential target for a system intruder.

Disclaimer

We shall in no event be liable to you, our customers or any other party for any damages, loss or expense including without limitation, direct, indirect, special, consequential or punitive damages, or economic loss, loss of profits, loss of opportunity, loss of business or goodwill as a result of, arising from or in connection with the following:

  • any breach in security measures that are undertaken by us;
  • any system, server or connection failure, modification, suspension, discontinuance, error, omission, interruption, delay in transmission, or computer virus;
  • your omission or failure to observe the terms and conditions set out in this Security Policy; or
  • your negligence or fault.

Privacy Statement

  1. This private policy is to explain to you our information practices, where information is collected and used by MHC
  2. If you are only browsing this website/mobile app or using the Search function, we do not capture data that allows us to identify you individually. This site automatically receives and records information on our server logs from your browser, including your IP address, and the page(s) requested. Although user sessions are tracked, the users remain anonymous.
  3. If you choose to send an application or an e-mail that contains personally identifiable data, for us to process the application or to render you a service, we may share the relevant data within the organisation, or if necessary, with relevant third party, who have direct support or business relationship with us, so as to serve you efficiently and effectively.
  4. For your convenience, when you are carrying out a transaction using your personally identifiable data, we may also display to you data that you had previously supplied to us. This will speed up the transaction and save you the trouble of repeating previous submissions. Should the data be out-of-date, please supply us with the latest data. We will retain your personal data only as necessary for the effective delivery of our services to you.
  5. We may be required to disclose personal data as required by law or a court order.
  6. Personally identifiable data may be used for statistical, marketing and research purposes. Many times, these data are aggregated and the individuals are remained anonymous.
  7. Some of our sites contain links to other sites whose information practices may be different than ours. You should consult the other sites' privacy notices, as we have no control over information that is submitted to, or collected by, these third parties.
  8. We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect.
  9. MHC reserves the right to modify this privacy policy statement at any time. Continued use of this website/mobile app or any of our service provided herein signifies acceptance of any of such modification.