For all other important matters
VOAP does not warrant, guarantee or make any representations regarding the currency, correctness, accuracy, reliability, or any other aspect regarding characteristics or use of the information presented in the service and/or links thereto and expressly disclaims liability for errors and omissions in the contents of this website.
The user accepts sole responsibility and risk associated with the use of the material on this service, irrespective of the purpose to which such use or results are applied.
In no event shall VOAP be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action contract, negligence or tort, rising out of or in connection with the use or performance of materials on this service.
VOAP materials, including site design, pages documents and on-line graphics, are the sole property of VOAP and are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights.
Copyright of VOAP materials resides with VOAP.
Apart from any fair dealing for the purposes of study, research, criticism and review, as permitted under copyright legislation, no part of these services may be reproduced, re-used or redistributed for any purpose whatsoever, or distributed to a third party for such purpose, without written permission from the management of VOAP.
For the purposes of this policy, “personal information” means personal information as defined in the Personal Data Protection Act 2012 (the “Act”). Essentially, this is any information that can reasonably be used to identify you as a natural person including but not limited to your name, email, contact details and financial information such as credit card details.
2. Open and transparent management
VOAP takes its obligations under the Act very seriously and has implemented practices, procedures and systems to ensure we comply with those laws.
VOAP is committed to maintaining the confidentiality and security of your personal information and managing it in an open and transparent way.
3. Collection of personal information
3.1. Types of information collected
In the process of conducting our businesses, we collect a broad range of personal information about our current and prospective customers, contractors, suppliers, agents, service providers, other business associates and the people associated with the businesses we deal with. This information can include such things as your name, contact details (such as your phone number(s) and email and mailing addresses), financial information (including banking and credit card details), supporting documentation (including credit history details), identification and transaction history information, and personal references.
3.2. How we collect personal information
Our preference is to collect personal information from you directly and we will endeavour to do this unless it is unreasonable or impractical to do so. We collect personal information in a variety of ways including via online enquiries you submit on our websites, over the telephone, through correspondence (whether by letter, fax or email), and on our forms when you enter into agreements and contracts with us.
We may also collect personal information from third parties including from credit reporting bodies, contractors, business partners and other VOAP entities.
“Cookies”, are small files that are transferred to your computer’s hard drive through your web browser and enable our sites to recognise your browser and remember certain information to assist in improving your online experience. Cookies may collect and store personal information about you.
4. Use or disclosure of personal information
4.1. Why do we collect, hold, use or disclose personal information?
We collect, hold, use and disclose your information for the primary purpose of enabling us to carry out our business functions and activities which includes but is not limited to:
the provision of products or services to you (including the improvement of those products or services);
verifying your identity;
conducting checks and searches of your credit information to assess your credit rating from time to time;
communicating with you including via email, mail or telephone;
personalising and customising your experience;
managing and enhancing our products and services;
promoting and marketing our products and services including updating you with news and information about our existing and new products and services;
providing you with information about events, products or services that may interest you;
managing our relationship with you;
facilitating our internal business operations;
investigating any complaints made by you; or
as required or permitted by law.
4.2. Sharing your information within VOAP
Sometimes you may provide your information directly to one DG entity and that information is shared with other VOAP entities. This typically occurs when you acquire services from more than one DG entity. If we share your personal information with another VOAPentity, that entity will treat your information in the same way that we are required to treat it under the Act and this policy.
4.3 Disclosure to third parties
From time to time we may disclose your personal information, including your credit information to third party entities, which may include credit reporting bodies or collection agencies for credit management purposes or other purposes as required by law.
5. Direct marketing
5.1. What is direct marketing?
For the purposes of this policy, “direct marketing” is the provision of information or the promotion and sale of goods and services directly to you including through emails, SMS, MMS, phone calls and the post.
You consent to VOAP using your personal information to send you – either directly or via one of our service providers – information, including promotional material about VOAP from time to time in relation to any product or service they offer and you consent to being contacted by means of direct mail, email, SMS and MMS messaging and via telephone.
5.2. No direct marketing
We will not use or disclose your personal information for the purposes of direct marketing material if you have previously told us not to.
If at any time you do not want us (or one of our service providers) to send you direct marketing material or you wish to cancel a previous consent, then you can simply inform our Privacy Officer by contacting them (details below). We will affect the change in a reasonable time and without charge.
6. Cross-border disclosure of personal information
We may disclose your personal information to an overseas entity in circumstances where we:
(a) have taken reasonable steps to ensure that they also treat it in accordance with the Act; or
(b) reasonably believe that the overseas entity is subject to the same or similar laws to that found in the Act and there are ways that you can take action to enforce those overseas laws; or
(c) expressly inform you of your option to consent to that disclosure and you then provide us with informed consent to do so; or
(d) are required or authorised by law.
7. Security of personal information
We will take such steps as are reasonable in the circumstances to protect your personal information that we hold:
(a) from misuse, interference and loss; and
(b) from unauthorised access, modification or disclosure.
When we no longer need your personal information for a permitted purpose and we are not required to keep it to comply with any laws, we will take such steps as are reasonable in the circumstances to destroy your personal information or to ensure that the information is de-identified.
9. Access to personal information
If you wish to access your personal information that we hold, you may submit a written request to our Privacy Officer (details below). You will be required to provide adequate proof of identity before information will be disclosed to you. We may refuse a request in situations permitted by law.
We aim to provide you access to such information within 30 days of receipt of a valid request.
10. Correction of personal information
10.1. Correction of personal information
We will take reasonable steps to correct your personal information (at no charge) if we are satisfied that it is inaccurate, out-of-date, incomplete, irrelevant or misleading. This extends to third parties that we have provided your personal information to unless it is impracticable or unlawful to do so.
10.2. Circumstances when we decline to make corrections
In certain circumstances we may decline to correct your personal information. When this occurs we will provide you with a written notice that sets out:
a) the reasons for the refusal; and
b) the mechanisms available to complain about the refusal.
11. Privacy Officer Contact
Level 6, 105 Cecil Street, Singapore 069534