The Brief

Prestige Estate Planning is a service owned and operated by Prestige Planners Pte Ltd (Prestige Group). We are based in Singapore. Our basic service is to manage and summarise your financial information and plan your estate, and keep your estate plan up to date.

The following terms and conditions govern access to, and use (as a Member) of Prestige Planner Pte Ltd's services.

Definitions

1. Prestige Group refers to Prestige Planners Pte Ltd.
2. Sites means The Sites are owned and operated by Prestige Planners Pte Ltd (Prestige Group or we or us).
3. Prestige Estate Planning refers us as the operator of this service via www.ilegacy.sg and is a member of The Sites defined above.
4. Member means a person who is registered as a Member by completing and submitting the Membership application, accepts these Membership Terms and that application is accepted by Prestige Estate Planning.
5. Member Account refers to your account with Prestige Estate Planning where you can access through your login credentials, wherein all your financial information and estate plan are also accessible.

Membership

You may only become a Member if you are 18 years or over.

You do not have an automatic entitlement to Membership and Prestige Group may, at its sole discretion, elect to:

1. refuse your application to become a Member; or
2. once Membership is granted, suspend, terminate or restrict your Membership at any time.
3. Prestige Group is not obliged to give reasons for its decision to reject your application or suspend, terminate or restrict your Membership at any time.
4. Your Membership is non-transferrable.
5. Once Membership is granted you will only be able to access all areas of the Sites with use of the username and password you set up at the time you become a Member.
6. You are responsible for each and every access or use of the Sites that occurs in conjunction with use of your username and password.
7. Use of your username and password is conclusive evidence that you have accessed the Membership sections of the Sites.
8. You must use all reasonable efforts to keep your username and password confidential.
9. You must not allow any third party to access the Sites using your username and password and make use of the Sites on your behalf.
10. You must notify Prestige Group in writing as soon as you become aware of any unauthorised use of your Member Account, username or password.
11. You acknowledge and agree that you are liable for, and will indemnify Prestige Group, its related bodies corporate, affiliates, officers, directors, agents and employees against, any and all claims made by a third party arising out of your access to, and use of The Sites as a Member.

Benefits Conferred by Membership

By being registered as a Member, you are entitled to:

• enter your financial information, including your details of your insurance policies, bank accounts, investment accounts, and property through ilegacy.sg;
• receive a summary of your insurance portfolio;
• assignment of a Prestige Planner to create an estate plan with you;
• generally make use of the Membership section of the Sites.

Prestige Estate Planning’s Role

prestigeestateplanners.com is an online facility allowing you to upload, add and manage your financial information for the purpose of allowing a Prestige Planner to create and keep your estate plan current.

Ownership of intellectual property such as presentation and layout design concepts of the information contained within this site remain with Prestige Group.

Availability of The Sites

The Sites will usually be available 24 hours a day, seven days a week or as otherwise stated on the site

Prestige Group may, in its absolute discretion, and for any reason, and at any time, with or without notice:

• interrupt or suspend your right to access the whole or any part of the Sites; and/or
• alter, interrupt or suspend the provision of the whole or any part of the content and/or the services available on the Sites.

You agree that Prestige Group will not be liable to you for any loss that you may suffer as a result of any such interruption, suspension or alteration.

When accessing the Site (as a Member) and using the content and/or the services available on the Site, you must also comply with any directions, instructions or protocols posted on the Site from time to time.

Member Accounts

When your application for Membership is accepted by Prestige Group, you will have a single account that is accessible by you from any of the Sites (Member Account).

Fees and Services

You do not have to pay a fee to become a Member.

You do not have to pay a fee to have a Prestige Planner assigned to you. However, your assigned Prestige Planner may require you to pay a fee for their estate planning services provided to you. Please check with your Prestige Planner before continuing to use their services.

You agree that Prestige Group will not be liable to you for any loss that you may suffer as a result of any delayed payment that is to be made to you as a party where that payment is due.

Member Information

In the course of your application for Membership and your use of the Sites, you may be asked to provide certain personal information to us (Member Information). You promise that the Member Information you provide is true, accurate and complete.

Prestige Estate Planning’s information collection and use policies with respect to the privacy of such Member Information are set out in the Site’s Privacy Policy.

Any Member Information that you disclose may be used by Prestige Group, its agents and contractors in relation to the provision of services accessible on ilegacy.sg, including marketing activities in relation to Prestige Estate Planning.

Proprietary Rights

Prestige Group, its licensors, advertisers or affiliates own all:

• the content of the Sites (other than the financial information which are owned by Members);
• the look and feel, design and the organisation of the Sites;
• the compilation of the materials on the Sites; and
• the intellectual property rights (if any) subsisting in the works described in paragraphs (1), (2) and (3) above.

Your use of the Sites does not grant to you any ownership or like interest in any content, code, data or materials you may access on or through the Sites or any intellectual property rights subsisting in any of those things.

Copyright

If you believe that a work of which you are the owner is infringed by content on a Site that has been copied in a way that constitutes copyright infringement, please forward the following information (Copyright Claim) to Prestige Group

• your address, telephone number, and email address;
• a description of the location of the alleged infringing material;
• a description of the copyright work that has been allegedly infringed
• a statement by you, that you warrant that the information given in the Copyright Claim is accurate and that you are either the copyright owner or are authorised to act on the copyright owner’s behalf.

On receipt of a Copyright Claim, Prestige Group will take down the content that is the subject of the Copyright Claim.

Trade Marks

The trade marks, logos, service marks and trade names (collectively the Trade Marks) displayed on the Sites are, unless otherwise stated, the registered and unregistered Trade Marks of Prestige Group and others.

A Trade Mark may not be used by you without the approval of its owner.

Nothing contained on the Sites should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trade Mark displayed on the Sites without the written permission of its owner.

Disclaimer of Warranties

The Sites are provided “as is”. Prestige Group and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Prestige Group nor its suppliers and licensors, makes any warranty that the Site will be error free or that access thereto will be continuous or uninterrupted. You understand that you use the content or services through, the Site at your own discretion and risk.

Confidential Information and Privacy

Prestige Group does not warrant or represent that your use of the Sites will be confidential.

Prestige Group is not responsible for any harm that you or any person may suffer as a result of a breach of your confidentiality in respect of your use of the Sites.

While Prestige Group has taken precautions to protect information that you transmit to the Sites over the internet, Prestige Group does not warrant the security of that information. Once Prestige Group receives your transmission, Prestige Group will take reasonable steps to preserve the security of such information.

You must not disclose any confidential information made available to you through the Sites.

When using the Sites or dealing with other users of the Sites you must respect the privacy and legal rights of other Members.

If a Member provides you with (or uses) user-names, passwords or other login information or personal information of the Member (Personal Information) you must:

• make the Member aware that the Personal Information will be available to you; and
• ensure that, by proceeding to transact with you, the Member is giving you permission to use the Member’s Personal Information; and
• provide a privacy notice to the user, recording the manner in which the Personal Information will be handled by you, that is legally sufficient; and
• use the Personal Information for the limited purposes for which the Member gave permission; and
• handle the information in accordance with the terms of the privacy notice.

If the Member has entered into a separate agreement with you that allows you to store or use the Member’s Personal Information directly related to your financial information then the terms of that separate agreement will govern your use of such Personal Information.

Without limiting the generality of the foregoing, if the user provides you information about the Member’s Member Accounts, you may only use that information to access the Member’s Member Accounts when, and for the limited purposes for which, the user gave permission for you to do so.

Personal Data of your Contacts

By inputting your Contact Data into your Prestige Estate Planning account, you agree to allow Prestige Estate Planning to use your Contact Data only for the purpose of fulfilling our service obligations to you in all, or part of any Prestige Estate Planning services, which you configure in your Prestige Estate Planning account as a service instruction to us.

By no means shall Prestige Estate Planning use your Contact Data for any other purpose(s) except for the fulfilment of our service obligations to you, where in so doing, the use of your Contact Data is required. You also fully discharge Prestige Estate Planning from any legal implications whatsoever that may arise between you and your contact(s), or between you and your business principal, in relation to Prestige Estate Planning’s use of your Contact Data, which you have input into your Prestige Estate Planning account solely in your own accord.

Indemnification and Release

You are solely responsible (and agree that Prestige Group has no responsibility to you or to any third party for) for, and you agree to indemnify and hold harmless Prestige Group (as well as Prestige Group’s affiliates, directors, officers, employees and agents) from any and all claims, liabilities, costs and expenses (including legal fees) arising in any way from, any of the following matters:

• your use of the Sites;
• your breach of any applicable related third party contract or terms of service
• your breach of the law or of these Membership Terms.

Changes to Membership Terms

Prestige Group may, at its sole discretion, revise or change these Membership Terms (in whole or in part) or the content of the Sites from time to time and at any time without notice to you.

Changes in the Membership Terms will be effective at the time notice of the change is posted by us on the Sites. It is your responsibility to check for these notices.

Your continued use of the Sites and/or the content or services made available on or through the Sites after any changes to the Membership Terms are posted will be considered acceptance of those changes.

Relationship between the Parties

Nothing in these Membership Terms:

• constitutes a partnership between the parties; and
• except as expressly provided, makes their party an agent of another party for any purpose.

A party cannot in anyway or for any purpose:

• bind another party; or
• contract in the name of another party.

If a party must fulfil an obligation and that party is dependent on another party, then that other party must do each thing reasonably within its power to assist the other in the performance of that obligation.

Suspension or Termination

Prestige Group may suspend or terminate your registration as a Member and deny you access to your Member Account immediately if:

• you breach these Membership Terms or any other terms and conditions, agreements or rules governing the Sites;
• Prestige Group is unable to verify or authenticate any information you provide to us as part of your original application or in the course of using the Sites; or
• Prestige Group believes that your actions may cause legal liability for you, our other Members or us; or
• you refuse to engage the estate planning services of a Prestige Planner.

Should Prestige Group elect to suspend, terminate or restrict your Membership in any way, you may be prohibited from accessing the Sites temporarily or permanently. In either case, you must not apply for a new Member account.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Notices

Any notice given in accordance with these Membership Terms will be correctly given if it is in writing and is emailed to a party to the email address that that party has nominated or any other email address as may be notified for the purpose of the service of notices.

A notice will be deemed to have been given on the date of delivery.

Applicable Laws

If you make use of the Sites, or the Products, content, code, data or materials on the Sites or available through the Sites, except as otherwise provided for in these Membership Terms, you may breach intellectual property laws (including copyright) and other laws of Singapore and other countries and may be subject to liability for such unauthorised use.

We control and operate the Sites from our offices in Singapore. We do not represent that materials on the Sites are appropriate or available for use in other locations. Persons who choose to access the Sites from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

The laws of Singapore govern these Membership Terms. Each of Prestige Group and the Member irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Singapore.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Contact Us

If you have any questions about these Terms, please contact us.

Please read the following terms regarding Privacy Policy carefully. The following terms explains how Prestige Group manages yours personal data with adherence to Personal Data Protection Act. If you disagree with any of the following terms, do not use any services provided directly or indirectly from Prestige Group. If you have further questions, please contact us at admin@ilegacy.sg. By registering your account and/or using our services, you have consented that you agree to following terms stated in this Privacy Policy and the Terms of Service. Both the Terms of Service and Privacy Policy will be used in event of dispute resolution and governed within the laws of Singapore.

In the event of changes or updates to the Privacy Policy, we will notify account holders in our website or by email. If you continue to use our services, that will constitute as a consent to the updated Privacy Policy.

If you have any queries or complaints regarding personal data, you may contact our Data Protection Officer by e-mail at julie@iolo.sg.

Personal Data which we will collect and store

We respect your privacy and that includes your personal data. In order for us to maintain your Prestige Group account and/or its accompanying services, we will need to collect and store necessary personal data such as name, NRIC, contact number(s), email, mailing and/or residential address, motor vehicle details, insurance policies and medical reports etc. The list of data stated in the previous statement is not exhaustive and is stated when you create your Prestige Group account. Your account also allows you to store data which you deem fit as a part of your Prestige Group account database.

We put in place reasonable security measures to prevent your Personal Data, as well as other data which you inputted, from unauthorised use, copy and collection. We used 128-bit SSL (Secure Socket Layer) encryption technology on our platform which is the industry standard.

Personal Data Protection Act

By requesting any of our services, you agree that Prestige Group may collect, use and disclose your personal data, as provided in this agreement, or (if applicable) obtained by our organization as a result of your request, for the following purposes in accordance with the Personal Data Protection Act 2012 and our privacy policy (available at www.ilegacy.sg):

• the processing of your request/requests;
• for the purpose of form filling and providing the required information in accordance to the requirement of respective insurance company
• the administration of your account with our organization.

No sharing of your personal data without consent

We respect your personal data and will not share your personal data with any 3rd party, such as related or linked companies without your consent. In cases where you locate a 3rd party product or service which you wish to pursue, we will ask for your consent to provide personal data to this 3rd party provider to the necessary extend in order to facilitate your transaction. We will ensure that 3rd party providers protect your personal data similar to our privacy policy.

Other cases where your personal data may be shared

• As required by insurance company for the purpose of the service provided by Prestige Group
• Account holder becomes deceased. Prestige Group information may be shared to next of kin
• To assist in Police Investigation
• Court Order
• Prestige Group business structure changes such as merger and acquisitions or sale

How your personal data is used

Your account collects and stores your personal data and other data that you input to formulate your entire Insurance database. Your personal data will be used for the purpose of the forms based on the services you have assigned us to assist. You may receive notifications from the data that you inputted to remind yourself on important dates such as maturity dates or expiry dates. These notifications serve as servicing tools for your account and cannot be unsubscribed.

We do not sell your personal data. There may be instances where we study and analyse part or all of our account users’ experience of our website. In such instances, we may share general behaviour trends with our related or linked companies, suppliers or agents to maintain and improve on the features and benefits of our services, optimizing user experience and satisfaction as well as keeping advertising relevant.

Technology used

We adopt various technologies to maintain your account and the accompanying services. Servers that we adopt to store all our data may not be in Singapore. However, we have placed reasonable measures to ensure the security of your personal data.

We also adopt use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our websites' visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

Cookies

We may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.

Advertisements

We may allow third parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our websites. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to our websites. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge the effectiveness of targeted advertisements.

How your account stays in contact with you

From time to time, your account will contact you through SMS or emails regarding electronically distribution materials. These materials may serve to keep up your understanding of the insurance industry’s products and services and ensure you are getting a good deal for your current or future policies.