Terms & Conditions

Users of this website, www.kwiksure.sg ("The/This website"), are bound by the terms and conditions contained on this web page, and agree to comply with them. The terms and associated policies within apply to the use and access of the website, its data, services, text, information, and web pages.

If you do not agree with and/or cannot comply with the terms contained on this page, you may not use or access the website in any way. The terms and conditions on this page are subject to change at any time. Any changes to the terms listed here are effective immediately, and those continuing to access the website following any changes will have been deemed to have accepted them. You may not receive notification of any revisions of Kwiksure Singapore's terms and conditions, and you agree that any such revisions or updates to the terms contained on this page will, in and of themselves, constitute sufficient notice.

Telephone calls and email correspondence with Kwiksure Singapore may be recorded and stored for training purposes, as well as for fraud prevention and quality assurance. Communicating with Kwiksure Singapore and its employees via these methods constitutes consent to have such data recorded.

All insurance policies are arranged through licensed insurance companies. Pacific Prime Insurance Brokers Singapore Pte Ltd. ("PPIBS") is a registered direct insurance broker with the Monetary Authority of Singapore. Kwiksure Singapore is wholly owned and operated by PPIBS.

If an item within this terms and conditions page is not unlawful or otherwise void, that item will be considered invalid, but all other items will continue to be enforceable as written.

Any questions about the terms and conditions found here can be directed to [email protected].

Accuracy and availability

A technical matter may cause errors on the website, or otherwise interrupt service. Kwiksure Singapore does not guarantee that such errors will be immediately remedied, nor does the company guarantee that this website will be free of computer viruses.

Any information found on the website comes from sources that are available to the public and is accurate to best of Kwiksure Singapore's knowledge at the time it is published. Any information gathered by users of the website or the tools contained on it are not considered offers of insurance to said users.

Use the materials or information found on this website at your own risk. Kwiksure Singapore provides no guarantee that files downloaded from the website will not harm user property via damage, data loss, or infection by computer viruses or other malware. Kwiksure accepts no liability for any damages resulting from the actions of an unauthorized third party.

Website access may be suspended without prior notice or warning for purposes or maintenance, or otherwise at Kwiksure Singapore's discretion.

It is the responsibility of each user to comply with all laws in their local jurisdiction as it relates to accessing the website. Any transactions forbidden by such laws are strictly prohibited, including the purchase of any products or services.

If a user's personal materials or content is lost when uploading via the website, Kwiksure Singapore is not liable.

Kwiksure Singapore does guarantee that any particular product will be sold to users, nor does Kwiksure Singapore accept liability for rejecting an application for a policy or withdrawing a product altogether, whether on an individual or company-wide basis.

Kwiksure Singapore is not liable for any statutory duty, tort (including negligence), contract, or otherwise for errors found on the website, and is not liable for indirect or direct financial or revenue losses, data losses, or damage suffered through use of the website.

PPIBS remuneration

Kwiksure Singapore is compensated for the service it provides through commissions from insurance companies. Purchasing insurance with Kwiksure Singapore constitutes your consent for the company to receive such commissions.

No advice

While Kwiksure Singapore provides advice on insurance matters, it does not provide direct medical, financial, driving, or personal advice of any kind. Any information found on the website does not take into account any of your specific details. As such, it is recommended that you seek out relevant independent advisors for advice on personal or financial issues before acting on any information found on the website.

Website links

Links on the website will lead to sources, not under Kwiksure Singapore's control. Links are provided for convenience and information, however, users visit them at their own risk. Terms and conditions found on external websites may differ greatly from those found on this page, and Kwiksure Singapore will not be held responsible/liable for the use of web pages found outside of the website. Clicking an external link will cause you to exit the website, and any loss or damage incurred by a third party website is not Kwiksure Singapore's responsibility.

Limitation of use and ownership

Users are prohibited from reproducing, publishing, posting, uploading, transferring or otherwise using any portion of the website, or creating works that are derivative of it. As well, users are prohibited from displaying any portion of the website in public without prior approval from Kwiksure Singapore, no matter what form such a display may take. All intellectual property found on the website is either legally licensed to or owned by Kwiksure Singapore or its affiliates. Using any trademark, name, logo, or image licensed by Kwiksure Singapore is strictly prohibited, and doing so will be considered an act of infringement upon the rights of the licensee.

Any commentary left by users of the website becomes the sole property of Kwiksure Singapore. As such, they may be used by Kwiksure Singapore without prior notification to the author. Users shall not input hyperlinks onto the website for any reason. Any action deemed to have interfered with, damaged, or corrupted the website, or otherwise denied service from it, shall be met with efforts to protect Kwiksure Singapore's Intellectual Property rights and website.

The website is only to be used for obtaining insurance quotes for a given user and their immediate family, or for obtaining price information on behalf of a friend. Any insurance inquiry or transaction on behalf of an immediate family member may only be carried out with their prior consent being given.

Indemnity

Breaching the terms and conditions found on this page is grounds to indemnify Kwiksure Singapore for all losses or costs incurred through as a direct consequence of said breach. Kwiksure Singapore reserves the ability to enforce rights related to breaches of the policies laid out on this page, even if immediate action against a user in breach is not taken.

Applicable jurisdiction and laws

The terms and conditions in this section are in implemented and maintained in accordance with the laws of Singapore, The People's Republic of China, and the Hong Kong Special Administration Region. Disputes stemming from Kwiksure Singapore's website use may be litigated in the jurisdiction and courts of Singapore, China, or Hong Kong.

Privacy / Personal Information Collection Statement (PICS)

This Privacy Policy has been written to explain to you, users of our websites and clients, what data we collect, how we use it, and our adherence to both local and international regulations such as the GDPR.

The terms ‘we’, ‘our’, and ‘us’ used in this Privacy page refer to Pacific Prime Insurance Brokers Singapore PTE Ltd, of which Kwiksure Singapore is a marketing entity; more commonly referred to in this document as Kwiksure. Find our company contact details using this link.

Kwiksure's stance on data collection, processing, and protection

In all things related to data collection and protection we strive to implement and follow modern best practices. Where possible we have adopted practices that ensure we are compliant across borders. The information contained within this privacy policy meet or exceed the following generally accepted data principles:

Personal data is processed fairly and legally - We do not collect or process any data unless it is contractually required or it is necessary by our partners.
Personal data shall be obtained only for one or more specified and lawful purposes - As noted above and explained through the document, Kwiksure only collects and processes data when we need to.
Personal data shall be relevant - Data collected by Kwiksure is only what is needed, and nothing else. Any requests made by clients or otherwise are followed through immediately, or within the next business day.
Personal data shall be accurate - All data collected by Kwiksure is deemed to be accurate and any changes are updated as soon as physically possible.
Personal data shall be kept only for as long as it serves a purpose - All data stored by Kwiksure is kept only as long as needed or legally required.
Personal data shall be processed only in accordance with local and international law - All data collection, processing, and storage is done in a way that it is compliant with local requirements where we have offices and international regulations such as the GDPR.
Appropriate technical and security measures must be taken to secure personal data - Kwiksure employs robust IT solutions and standard operating procedures that ensure all personal data is secure and only available to those who use it.
Personal data shall only be shared as necessary - Kwiksure does share data, only as necessary, with other Kwiksure offices. Any transfer of data is done utilizing secure methods. We will also only share data with third parties as is contractually necessary or legally required. We will not sell any of this data.

How we meet these policies is explained throughout this document.

What data is being collected?

As an insurance broker, Kwiksure is contractually obligated to collect and retain certain personal data of both potential and existing clients. The data collected reflects what is required by insurers in order for the insurer to offer quotes, fulfill applications, underwrite, and enable coverage.

The personal data collected can include some or all of the following:

Name (first, middle, and last) - All people to be covered by an insurance plan.
Address (work, or home) - Of the primary policy holder.
Contact details (Phone number, email) - Of the primary policy holder or spouses.
Age - All people to be covered by the plan
Gender - All people to be covered by the plan
Nationality - All people to be covered by the plan
Job title - Of the primary policy holder
Family structure - If a family is applying for cover
Medical history - Personal - Of the primary policy holder
Medical history - Family - Of all people to be covered by the plan
Insurance purchase, coverage and claims history - Primary policy holder.
Lifestyle information - Of All people covered by the plan.
Details related to method of payment (including credit card and bank account information) - Of the primary policy holder as well as any spouses.
Preferences related to the purchase of insurance products and services - This applies not only to potential or current clients that we deal with directly, but also family members that they act on the behalf of.

Collection of data from businesses

The above list also applies to businesses that Kwiksure sells to. For businesses additional data might also be requested by the insurer. This could include:

Employee data of all types listed above
Business registration and ownership information
Business tax registration record
Employee salary record - for life/disability plans only

Collection of data from children

Kwiksure sells insurance cover to families. This means that a child's data may need to be collected, as is contractually required by an insurer. With all data collected for children under 18, Kwiksure will contact the parents or guardian of the children to first gain consent and to explain what data is being collected and why.

In situations where we are dealing with a minor (any person under the age of 18) as the primary policy holder (e.g., a student going overseas contacts us looking for insurance) we will contact the parent or guardian of the minor and ensure that consent for requested data is provided. Parents or guardians will be involved in ALL communication and any decisions made.

Who collects data at Kwiksure?

Officially employed Kwiksure staff are the only persons approved to gather, handle, maintain, and use users’ personal data. Generally this will be handled by people on our sales staff, but such data can also be handled by staff in Kwiksure’s renewals, claims, administration, accounting, marketing, and client support departments, or by individuals among our principals and leadership.

How is data collected by Kwiksure?

All data gathered by Kwiksure is furnished by users of their own accord as long as their explicit consent is provided (see section below). You reserve the right to question what data is collected and why. User data may be collected across various mediums. Mediums where Kwiksure collects data include:

Insurance quote forms on our website - Certain data such as age of those to be covered, location, nationality, name, and phone or email are required in order to develop a personalized quote and enable our Sales team to contact you should you have questions or want to apply for insurance cover.
Email - This is the primary way application data is collected. Data collected by this medium will only be collected as necessary/required/requested by an insurer or as contractually required by law.
Application forms from the insurer, or ones created by Kwiksure on behalf of an insurer, and other written documents - Only data listed in these forms will be collected. Data that is not necessary will not be requested.
Telephone calls and in-person verbal communication - Data that is not necessary will not be requested. Our advisors will plainly state what data they need and why it is necessary.
Text messages - This includes SMS, WeChat, WhatsApp, Facebook, and other chat/messaging apps. Data collected will only be what is necessary to furnish information requested by the client.
Smartphone applications - Data collected here will only be what is contractually necessary.
Online forms - Data collected here is for marketing purposes and will never be shared with third parties unless consent is provided by the data holder, or is legally requested by a government.

Consent to collect data

By using this website, you consent to the collection and use of your personal data as described in this document. This consent is deemed to be entirely voluntary with data only being collected when contractually necessary, as required by law, or for marketing purposes.

Where required by applicable law, we will seek your explicit consent to collect, process, and use the personal data described in this document. In all cases, data requested will only be what you freely give. You maintain the right to refuse to provide your data along with the right to request to view or delete the data we have collected from you at any time.

It is important to note however that refusal to provide data that is contractually necessary, or data that you are legally obligated to cover will result in our inability to offer you our products or services. The use of this website will also not be possible.

If you would like to change/modify your consent please follow the contact information in the What control do I have over data and how do I change my consent? section of this document.

Why does Kwiksure collect data?

Kwiksure gathers information from users for two purposes:

Contractually necessary purposes – In order to apply for an insurance policy with an insurance provider, a user will need to provide information as required by a particular insurance company’s application requirements. Any data not required by an insurer will not be requested.
Marketing purposes – Aside from information directly relevant to insurance providers and products, the only other information used by Kwiksure is purely for marketing purposes. This will only include contact details (email, and phone) and basic personal information (name), and will never include any type medical information.

How does Kwiksure use collected data?

Kwiksure uses data gathered from users to facilitate the sales, purchase, underwriting, payment, administration, use, and renewal of various insurance and financial products and services. We may also use personal data for marketing purposes related to the sale, purchase, underwriting, payment, administration, use, and renewal of various insurance and financial products.

In all cases, consent will be required. You can change your consent/Request to view your data that we have collected at any time by following the information in the What control do I have over data and how do I change my consent? section below

Does Kwiksure share data?

Any user data collected by Kwiksure is shared only internally within our offices, and with relevant licensed insurance companies, insurance agents, third party administrators, and third party service providers, as it directly applies to the wishes of the user. Any personal data regarding a particular user is also available to them upon request. We may also share requested user information with governmental authorities as required by law and local regulations.

Kwiksure does not share user data with any third parties outside of relevant insurance companies, insurance agents, third party administrators, third party service providers, or governmental bodies, and does not sell user data under any circumstances.

How long does Kwiksure store data?

Kwiksure stores data for as long as a user is a client or can reasonably be considered a potential customer without having notified us of their intention to opt out of any marketing communications. Beyond this, users that purchase products or services through Kwiksure will have their data stored for up to seven years following the end of their business with us, as such data may be needed for reasons related to taxation, governmental, and financial compliance.

What control do I have over data and how do I change my consent?

Kwiksure Singapore respects the privacy of its clients and uses personal information provided by you in compliance with the Personal Data Protection Act (PDPA) 2012 and with great care and diligence.

Pursuant to the PDPA, you have the right to see or edit, or request the deletion any of your personal information at any time. Beyond that, you have the legal right to request information and details on the way Kwiksure Singapore handles, stores, and discloses your information.

If you require any information or wish to amend your information stored with Kwiksure Singapore, please contact our Data Protection Officer as follows:

Email: [email protected]

Please note that links to third-party websites may have different terms and conditions as well as personal data storage practices. Kwiksure Singapore is not responsible, and can not access, any of this data stored by these other websites. Should you wish to view/amend your personal data stored on/by these websites we encourage you to contact these websites directly.

Is this likely to affect me negatively?

Kwiksure only collects data provided to us directly by users, and only shares said data internally and with relevant third parties as instructed by users. We also maintain cutting edge data protection practices to ensure the proper and safe handling of user data, both internally and externally.

Again, we do not sell user data, or share it with third parties not directly applicable to the sales, purchase, underwriting, payment, administration, use, and renewal of insurance products for the user.

As such, it is highly unlikely that our gathering, storage and sharing of user data will have any negative effect on users.

Is Kwiksure's data collection policy compliant?

All of Kwiksure’s data collection, protection, and usage policies are fully in line with international regulations, including the European Union’s General Data Protection Regulation and Hong Kong’s Personal Data (Privacy) Ordinance. Furthermore, all users have the ability to view and alter any submitted user data. Thus, the Kwiksure Privacy Policy is unlikely to cause objections or complaints.

If you do not 'opt-out' from the above direct marketing policy, PPIBS and Kwiksure Singapore, any quote or policy given to a user will constitute acceptance of the above-described distribution of the user's personal details for purposes of voluntary marketing. To withdraw such consent, end any direct marketing, and/or stop receiving information from Kwiksure, please contact [email protected].

Anti-spam policy

Kwiksure Singapore forbids the sending of unsolicited emails of any kind, whether on a mass or individual scale, and has a strict policy supporting this notion. Kwiksure requires that emails only be sent to users who have requested that the company do so based on accepted email guidelines. If you believe that you have received a spam email from Kwiksure, report this activity to [email protected] and an investigation will be initiated.

Cookie policy

Internet browser 'cookies' are a tool Kwiksure Singapore uses to analyze data from online traffic and page use. These can be and are used to improve the functionality of www.kwiksure.sg to better suit member and use needs. Kwiksure Singapore will not gain any specific user information, nor gain access to a user's computer systems with cookies. Most web browsers settings default to accept cookies automatically.

Confirmation of insurance

Neither the content or this website, nor the submission of your information, constitutes acceptance of a user's request and offer to purchase a product from Kwiksure Singapore. Nor will a policy request be viewed as an offer by Kwiksure Singapore to provide a service or product to any user. Confirmation of a purchase of a product will only be provided to a user following the receipt of their formal application for said product, followed by its acceptance by Kwiksure Singapore and subsequent provision of notification of acceptance. Such notification of the purchase of an insurance policy may not be formally issued in the form of a hard copy, and receipt of such a hard copy is not needed to produce a binding contract.

Products and services offered on the website may not have full product descriptions listed, and such information should not be considered complete. The details of a specific policy, including individual conditions covered and other terms, will be provided upon the decision to purchase a product either electronically or physically. If any contradiction should arise between information provided by the website and the relevant policy documentation, the policy documentation will prevail.

It is the responsibility of every user of the website to ensure that any payment information obtained from them is accurate and that sufficient funds have been allocated to address the costs of a product or service purchased.

Online transactions

Where appropriate, and in most cases, insurance policy documentation will be sent electronically. In the event that legal constraints prevent the sending of such documents electronically, physical forms will be mailed instead.

The website allows for online transactions to be made. Online purchases are not considered final until such time that Kwiksure Singapore sends a user confirmation as such. The definition of transaction confirmation is when Kwiksure Singapore has a user's acceptance and payment confirmation related to a particular product.

If a user provides Kwiksure Singapore with an expired or inactive email address, the company shall not be held liable. It is the responsibility of all users to update Kwiksure Singapore with any changes to email addresses and to make sure that all on-file email addresses function properly and are capable of receiving communications.

Kwiksure Singapore is not liable in any way for damage or loss incurred as the result of a user's payment confirmation not being received due to electronic, telecommunications, computer, software, or mechanical failure, or due to an electronic instruction not being received.

Credit card information given to Kwiksure Singapore will only be kept for as long as is necessary to carry out relevant transactions. As long as the law permits, Kwiksure Singapore reserves the rights to refuse to process any given transaction at any time, and shall not be held liable.

Purchase and payment

Before any insurance policy is provided to a user, it is required that they provide Kwiksure Singapore with a full and complete accounting of any information requested of them. Failure to supply or outright fabrication of information may result in claims being denied or may result in a voided insurance policy or fraud charge.

Requests for quotes can be submitted via our website. If a user identifies a desired plan and accepts the terms and price listed in their quote, a request for purchase can be made as long as any required information is provided. Kwiksure Singapore's staff will then forward this information to the insurer for review of the application. The insurer will then either accept or reject it. Acceptance will result in the user being presented with a legally binding insurance agreement.

Purchases made on www.kwiksure.sg must be paid in full by the date listed on the corresponding purchase confirmation. Payment can only be made using the select types of credit cards that Kwiksure Singapore or the insurer accepts. The details that will be needed for payment are as follows:

Full name of the cardholder
Credit card number
Card expiration date
Type of credit card

An insurance agreement is only legally binding following a successful payment transaction against a user's credit card, and payment being received by Kwiksure Singapore.

Return, exchange, and cancellation refund

All insurance products from Kwiksure Singapore are non-exchangeable and non-refundable. Kwiksure Singapore's policy on refunds is to adhere to the details within each insurer's respective plan refund policy, with no other refunds otherwise.

Additional terms and conditions

The insured recognizes that it is their responsibility to properly provide PPIBS/Kwiksure Singapore with all relevant information related to their insurance policy. If the insured works with any other third party in relation to their insurance policy, any liability stemming from this relationship remains solely the responsibility of the insured.
Any quote provided to a user of the website has a period of validity of fourteen days, subject to the insurer policy wording (given upon request), release of No Claims Discount (NCD), and confirmation of underwriting.
Once an insurance policy is issued, and even before its start date, a minimum charge of SGD$100 or 20% of the the yearly premium (whichever is higher) will be levied against the insured.
Within 1 month of the start date of an insurance policy, the following documentation must be provided to Kwiksure Singapore and the insurance provider to ensure the validity of the policy: (i) NCD proof (if applicable); (ii) up-to-date vehicle registration information in the insured's name; (iii) Driver's license information for each driver; (iv) a signed proposal form.
Pacific Prime Insurance Brokers Singapore Pte Ltd. (PPIBS) is an insurance intermediary that arranges insurance services and products on behalf of Kwiksure Singapore and their clients. PPIBS it not an insurance provider on its own, and does not underwrite insurance risk in any capacity. Nor does it officially represent any individual insurance company.
An insurance policy only will become valid and active once all personal information has been received and all outstanding premiums have been paid.
Insurance coverage will not be provided until such time as the insured has received a valid cover note confirming the policy is active.
No coverage shall be provided by an insurance policy until its effective date has passed.
All insured individuals are responsible for reading the wording of all policy documentation, as well as accepting limitations, exclusions, conditions and other terms of the policy before the effective date is reached. Kwiksure Singapore can provide a copy of any policy wording upon request.
Users acknowledge that insurance contracts are based on the concept of Utmost Good Faith of the insured. If Utmost Good Faith is not upheld by the insured, the insurer may void the contract. The concept of Utmost Good Faith extends beyond the duration of an insurance contract and is considered to be ongoing. The insured is obliged (i) to not make fraudulent claims; (ii) to not misrepresent facts and (iii) to disclose all material information that would be relevant to an insurer or underwriter for purposes of determining risk and associated premiums. Facts are considered relevant to insurers if they are in any way applicable to any condition that a policy would cover, even if a formal request for such information is not given.

Any and all use of www.kwiksure.sg, as well as any of its web pages or subdomains, is complicit acknowledgment that you have accepted the terms of all of the above policies.

Kwiksure Singapore's Terms & Conditions