VMom recognizes and shares the privacy
concerns of visitors to this Web site. Several
measures are taken on this site to safeguard your
personal information while providing personalized
services to you. VMom is committed to
maintaining best Privacy Practices to create, as far
as possible, a secure Internet environment for our
customers. We encourage our customers to similarly
observe best practices that are within their control.
Our mutual best practices include:
Collection Of Customer Information
We will collect and use customer information as
minimally as possible, mainly to assist in customizing
and delivering services and products that are of
interest to our customers.
Handling Of Customer Information
We have established strict confidentiality standards
for safeguarding information on our customers.
Disclosure Of Customer Information
Unless we have the customer's agreement or are
required by law, we will not disclose customer
information to external parties.
Compliance By External Parties
External parties providing support services to us,
which may bring them in contact with customer
information, are required to observe our privacy
Ownership of Information
Any information, other than personal data or
information, you transmit to VMom via
this website, by electronic mail or otherwise,
including data, questions, comments, or suggestions
will be treated as non-confidential and
non-proprietary and will become the property of
VMom. Such information, other than
personal data or information may be used for any
purpose, including, but not limited to, reproduction,
solicitations, disclosure, transmission, publication,
broadcast, and posting. VMom is free to
use any ideas, concepts, know-how, or techniques
contained in any communication you send to
VMom via this website or by any other
means for any purpose whatsoever, including, but not
limited to, developing and marketing products using
By buying any of our products online from this
website, you agree that our electronic records of your
online application and all information in relation to
such application will be admitted as evidence in any
court of law in Singapore as original documents and
that you will not challenge or dispute their
admissibility, authenticity or accuracy in any such
What personal information does VMom
VMom asks for information necessary to
provide you with up-to-date, personalized data from
this Web site, to develop and improve products and
services offered by means of this Web site, and to
maintain and improve customer service. This
information includes your name, e-mail address, and
information about pages you have requested from
VMom. If you request information about
insurance product and service rate(s) from
VMom, VMom may ask for your
contact information in order to send you this product
information. The information collected on the
VMom site is not shared with third
parties unless we are required to do so by law.
VMom uses "cookies" to gather statistical
information concerning Web traffic and usage patterns.
Cookies do not track your name, e-mail address, or
similar personal information.
Is my information secure?
VMom takes several measures to handle
your information securely. Access to this Web site's
servers is limited to employees, agents, and Financial
Advisor partners of VMom. Standard
practices require these personnel to preserve the
confidentiality of user information they receive while
performing their jobs and conducting the business of
How does VMom use my information and
what is the benefit to me?
VMom uses the information to generate
accurate rates, provide a content-rich user experience
and to improve this Web site. In addition, if you
purchase any product through VMom, the
VMom may send you e-mail about services
and products offered by the Company. An opt-out
function is available on the VMom site if
you do not wish to receive these e-mail messages.
VMom disclose collected information to
third parties and can I choose how VMom
uses the information?
Third parties may offer services which are accessible
from this Web site, including access to information
delivered over the Internet. VMom is not
responsible for the privacy practices or the content
of any other Web sites that are linked to or from this
Web site. Any information you provide to these third
parties will be subject to their respective privacy
third parties' privacy policies carefully before
sending such third parties any personal information.
VMom may share personal information with
VMom to provide services to you and
inform you of services, news and products which may be
of interest to you.
VMom participates in several insurance
industry supported databases. Your information may be
shared in the normal business of conducting insurance
operations. Your information may be shared if you
become a customer or claimant of VMom,
third party providing services for VMom,
such as claims investigations, appraisals, or the
detection of fraud or material misrepresentations:
How can I change or delete my personal information?
or if you would like to change any of your information
on file with us, please send us your feedback.
VMom Internet Security Technology
We understand the concerns on security from customers
when they transact over the Internet. We have
therefore built a security system for online banking
that safeguards the confidentiality of our customers'
account information and their banking and other
We employ several different methods to protect
customers' account and personal information:
We have, in place, multiple levels of firewalls
between our internal computer systems and the
Strong encryption protects customer information as it
travels over the Internet. We use the 128-bit Secure
Sockets Layer (SSL) encryption to protect the
confidentiality of customers' account details and
transaction data. This 128-bit SSL encryption is the
commercially available security protocol for
encrypting or scrambling data transmitted over the
Internet. It is also currently recognized
internationally to be of the highest standard in
encryption technology commercially available and is
generally adopted by banks in Singapore and financial
Username and Password
Only your valid Username and Password which identify
you uniquely, will allow you to log in to our secure
web site(s). This ensures that messages from
authorized users only are admitted into our secure
Automatic Log Out
As an additional security measure, our system may log
you out of your Internet session if there is no
activity after a specific period.
We are committed to constantly monitor our Internet
security system for potential situations that could
compromise security or the privacy of our customers.
In addition, we are committed to continuously explore
new technology to enhance our Internet security
Your Role In Safeguarding Your Personal Data And
You are responsible for keeping your online Password
confidential. Failure to do so exposes you to the
risks of fraud and loss. VMom cannot be
responsible for losses suffered by customers as a
input errors or misuse of its Internet services;
negligent handling or sharing of Password;
leaving a computer unattended during an online
failure to immediately report known incidents of
unauthorized account access.
PLEASE NOTE OUR LIABILITY TO YOU REGARDING THE
PROVISION OF OUR INTERNET SERVICES, WHICH MAY BE FOUND
IN THE FOLLOWING TERMS AND CONDITIONS:
Terms and Conditions
We strongly recommend that you observe the following
best privacy and security practices at all times:
Managing Your Username and Password
Your Username and Password identify you when you use
our Internet services. If any of these becomes invalid
or ceases to have effect, it is imperative that you
inform us by calling the direct hotlines for the
Ensure that no one can see your Password when you log
in to our system.
Ensure that you keep your Password confidential at all
times and do not divulge them to anyone.
Do not allow anyone (without exception) to use your
Username and Password, as you are responsible for all
transactions undertaken with your Username and
Do not base your Password on your username, personal
telephone number, birth date or other personal
Memorize your Password and do not record it anywhere.
Change your Password regularly.
Do not use the same character more than twice for your
Do not recycle your recently used Password.
Change your Password IMMEDIATELY if you suspect that
someone knows them.
The same PIN should not be used for different
websites, applications or services particularly when
they relate to different entities.
Do not select the option on your browser for storing
or retaining user name and password.
Note: No staff members of VMom should
ever ask you for your Password for whatsoever reasons.
Take Precautions Against Your Password Keystrokes
Exercise the necessary precautions to protect your
personal computer against viruses and other malicious
programs. Aside from damaging and/or destroying
data, viruses and malicious programs can capture
your password keystrokes and other personal
information and send them to another person without
Precautions that you can take include the
Ensure that you install an effective personal firewall
as well as anti-virus and anti-Trojan horse softwares.
These should be updated regularly.
Do not download any software from a web site that is
of doubtful origin.
Ensure that you install an effective anti-virus
software and update it regularly.
Do not open any e-mail or attachment that is from a
source unknown to you. When in doubt, delete such
e-mail without opening it.
Remember To Log Out
Always remember to log out of your Internet session
when you have completed your Internet transactions or
even when you need to walk away from your computer for
just a minute. Do not leave your computer unattended
while Internet transactions are being processed.
Clear Your Browser's Cache
Default files on a computer, sometimes called 'cache'
files, can retain images of data sent or received over
the Internet, making them a potential target for a
system intruder. Therefore, we strongly advise that
you clear your browser's disk cache after each
Select 'Tools' from the Menu bar (if you are using IE
Select 'Internet Options'
Select 'General' tab
Click the 'Delete Files' button under Temporary
Internet Files and answer 'OK'
Click 'OK' to exit the dialog box
Avoid Sharing Personal Computers (PCs)
Avoid using shared PCs or public PCs such as those
found in cyber cafes to perform Internet transactions.
If there is a need to do so, kindly satisfy yourself
thoroughly that the PCs are free from viruses and be
sure to clear the browser's cache when you have
completed your transactions.
Update Your Browsers
You should update your browsers and application
software to support 128-bit SSL encryption or a higher
Inform Us Immediately Of Suspected Invasion Of Your
Privacy Or Of Unauthorized Transactions
If you suspect that your privacy has been invaded or
that your account(s) has/have been accessed by
unauthorized persons, please change your Password
immediately and contact us by calling the direct
hotlines for the respective services. Check your
account statements to see if any transaction has been
performed without your authorization. Should there be
any unauthorized or unusual transactions, please
notify us immediately.
You should check your account statements regularly and
notify us promptly of any errors. At the minimum, you
should check your account statements at least once at
the beginning of each month.
As information submitted via e-mail is not encrypted
during transmission, it is important that you do not
indicate your account or credit card number nor convey
any confidential information or banking or other
instructions in your enquiries and/or comments.
Additional Recommended Good Practices To Safeguard
Your Online Security
Remove file and printer sharing in your computer,
especially when you have Internet access via cable
modem, broadband connection or a similar set-up.
Make regular backup of critical data.
Consider the use of encryption technology to protect
highly sensitive data.
Do not install junk software or run programs of
Delete junk or chain emails.
Do not open email attachments from strangers.
Do not disclose personal, financial or credit card
information to little-known or suspect websites.
Do not use a computer or device which cannot be
Spyware is an emerging internet security threat.
Advertised as a means to improve internet connection
speed and gain other benefits, some spyware, when
installed, redirect and reroute the internet
connections of users through the spyware servers.
Communication traffic and customer transactions routed
through such servers are susceptible to unauthorized
access and disclosure. As a result, customer PINs,
passwords, usernames, credit card numbers, account
identifiers, financial transactions and other
confidential data might be exploited.
Customers are advised to regularly scan and protect
their computers from spyware, keystroke loggers,
viruses, worms and trojan horses using updated anti-spyware/anti-virus
software and firewalls.