Privacy Policy

Privacy Policy

1. Policy background

Liberty International Underwriters Pte Limited (UEN 201538069C) (LIU) provides a wide range of commercial and specialist general insurance services in Singapore. We are committed to protecting the privacy of your personal data.

LIU is authorised by the Monetary Authority of Singapore (MAS) to conduct general insurance business in Singapore. LIU is a member of the US-based Liberty Mutual Group (LMG).

This Privacy Policy applies to LIU, its agents and service providers.  This explains the main ways LIU protects your privacy and how LIU complies with the Personal Data Protection Act 2012. This Privacy Policy applies to any personal data you provide to LIU and any personal data LIU collects about individuals from other sources such as intermediaries or brokers. Personal data is information that allows others to identify you. It includes your name, date of birth, gender, contact details, health information and financial information.

2. Why LIU collects personal information

LIU collects personal data to administer client relationships and provide the services and products LIU offers. This includes offering policies of insurance, risk management and claims handling. LIU may use your personal data to check whether you are eligible for a product or service, provide you with a product or service or help manage the product or service.

LIU also collects personal data to be able to develop and identify products and services that may interest you, conducting market or customer satisfaction research, developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of LIU’s respective products and services. LIU may also share information with LIU’s related companies for them to be able to offer you products and services as well.

Generally, the type of personal data LIU collects includes a person's name, mailing address, telephone number and e-mail address. Applying for a specific product or service may require LIU to collect specific information from you relating to that product or service. Where LIU has provided a service or product to you, LIU will need to collect and store your personal data relating to that product or service. This will enable LIU to assist you with any further information or questions you may have about that product or service.

In certain circumstances, LIU may also collect sensitive information about you. For example, in relation to the policy purchase of, or making a claim under, special casualty insurance, information about your membership of professional or trade associations, health information and criminal record may be required.

If you do not provide the personal data LIU or other relevant third parties need to offer you specific products or services, LIU may not be able to provide the appropriate type or level of service.

3. How LIU collects personal information

LIU generally collects personal data directly from the relevant individual but in some cases LIU may collect it indirectly from a third party. For example, an insured's representative (such as a broker) may tell LIU about other persons wanting the benefit of LIU’s service or the relevant product.  An example might be a director, officer, professional or other staff member. Alternatively, LIU may collect personal data through LIU’s own representatives or through a third party, such as loss adjusters, lawyers, insurers, health care workers, publicly available sources or witnesses to a claim.

4. Disclosing information

LIU may disclose personal data about you to third parties (including other members of the Liberty Mutual Group) in the normal business of conducting insurance operations, such as providing you with an insurance quote, processing, servicing, administering your insurance policy and claims, our business administration and when required by law.  For example, in providing LIU’s services to you LIU may provide information to other insurers, reinsurers, other insurance intermediaries, LIU’s advisers such as loss adjusters, lawyers and accountants, to facilitate the handling of a claim.  Otherwise, LIU limits the use and disclosure of any personal data provided by LIU to purposes for which you have consented.

5. What LIU expects of you

When you provide LIU with personal data about other individuals, LIU relies on you to have made or make them aware that you will or may provide their information to LIU, the purposes for which LIU will use it, the types of third parties LIU discloses it to and how they can access or correct their information or make a compliant (as described in this Policy). LIU relies on you to have obtained their consent to the above. If you have not done either of these things, you must tell LIU before you provide the relevant personal data.

If LIU gives you personal data you and your representatives must only use it for the purposes agreed.

You must comply with the Personal Data Protection Act 2012 when collecting, using, disclosing and handling personal data on LIU’s behalf. You must also ensure that your agents, employees and contractors meet the above requirements.

6. Security of your personal data

LIU endeavours to protect any personal data that LIU hold from misuse, interference and loss, and to protect it from unauthorised access, modification and disclosure. LIU maintains physical security over LIU’s paper and electronic data stores and premises.  LIU also maintains up-to-date computer and network security.  LIU also imposes clear privacy restrictions on all third parties who will handle your personal data.

Where personal data held by LIU is no longer needed for any purpose LIU will securely destroy the information.

7. Transborder issues

LIU may transfer your personal data overseas, including to countries without comparable data protection laws, if it is reasonably necessary to provide you with the products or services you seek from us. For example, depending on the product or service you have LIU may transfer information via the Internet or have to provide overseas insurers and reinsurers and their and LIU’s representatives with personal data. LIU also can transfer your personal data to Liberty Mutual Group entities in the United States, Canada, UK, Australia, Hong Kong or Malaysia. Where relevant these organisations are bound by personal data arrangements.

8. Accuracy and access

LIU takes reasonable steps to ensure that your personal data is accurate, complete, and up-to-date whenever LIU collects or uses it. Please contact us if any of the details you have provided change. Please also contact us if the information we have about you is not accurate, complete or up-to-date.

LIU will, on request, provide you with access to the personal data LIU holds about you, unless there is a legal exception preventing us from providing you with access to that information.  For example, where giving access would have an unreasonable impact on the privacy of another individual LIU will not provide you with access to that information.

If LIU does not provide you with access, LIU will provide you with reasons for the refusal and inform you of any legal exceptions relied upon.

Your request to access, correct or update your personal data will be dealt within a reasonable time. LIU may recover from you its reasonable cost for retrieving and supplying the requested information to you.

9. Opting out of receiving marketing information

LIU may use your personal data to offer you products or services LIU believes may be of interest to you. However, if you do not wish to receive marketing information about LIU branded products and services please let LIU know by contacting the Privacy Officer, whose details are provided below. LIU will act promptly on your request.

10. LIU Singapore's website

You can browse LIU’s website ( (“the Site”) without having to tell us who you are or revealing any personal data whatsoever. We may use various technologies to passively collect information from you while you are visiting our Site. We do log non-personally identifiable general statistical information such as domain name, Internet Protocol (IP) address, and browser type. For example, we may use "cookies" - sets of information assigned to you by our web server when you visit the Site - only for maintaining information between pages. They are not used for storing or tracking personal data about visitors to the Site. If you wish, you can set your computer to decline cookies. However you are fully responsible for altering your browser software to do this.

11. How to contact us or make a complaint

If you wish to gain access to or correct your personal data, opt out of receiving marketing information, make a personal data complaint or you have any query regarding how your personal data is collected or used, or any other query relating to LIU’s Privacy Policy, please contact LIU’s Privacy Officer on:

      Mail:   The Privacy Officer, One Raffles Quay, 37-02 North Tower, Singapore 048583

LIU will respond to your query or complaint as soon as possible and will try to resolve any complaint within 20 business days.  If this is not possible, LIU will contact you within that time to advise you further regarding the resolution of your complaint.

Version 3.0 January 2016