Privacy Policy

At Meridian Global Advisory Pte Ltd (“MGA”), we are committed to safeguarding the personal data entrusted to us. We comply with the Personal Data Protection Act (“PDPA”) and apply reasonable security and privacy measures to ensure that any information collected, used, disclosed, processed, transferred, or retained is handled responsibly.

This Privacy Policy (“Policy”) explains how we manage your personal data. We review and update it periodically to reflect changes in legislation, operational practices, or evolving industry standards. We encourage you to check this page from time to time to stay informed about our most recent practices.

1. What We Mean by Personal Data

“Personal data” refers to any information about an individual that identifies them — whether on its own or combined with other information that we hold or are likely to access.

If you are under 16 years of age, please seek your parent’s or guardian’s consent before providing any personal data to us. Parents or guardians who believe that their child’s personal data has been shared with us without their knowledge may contact us to request its removal.

2. Types of Data We May Collect

In the course of our work, MGA and our authorised financial consultants may collect information from you or about you through a range of channels such as referrals, introducers, roadshows, seminars, online platforms, forms, surveys, or direct interactions. Examples include:

• Identification and contact details:
  Name, mailing address, email, phone numbers, date of birth, gender, nationality, citizenship or residency status, marital and employment details
• Associated parties:
  Information about family members, beneficiaries, insured persons, joint policyholders, payors or appointed representatives
• Medical and health details:
  Health condition, medical history, test results, reports, lifestyle habits (e.g. smoking or alcohol consumption), disabilities or treatments received
• Financial and account information:
  Income, assets, liabilities, spending habits, tax records, banking details, credit card information
• Government-issued identifiers:
  NRIC, passport number, FIN, birth certificate, driving licence, work pass, vehicle registration numbers
• Usage and interaction data:
  Records of calls or enquiries, IP and MAC addresses, device or location data when you use our digital services
• Other relevant information:
  Insurance claims history, employment data, travel arrangements, biometric identifiers, fraud or risk-related data, demographic or marketing insights obtained lawfully from third parties, and details of authorised third-party transactions

3. How We Collect Your Personal Data

We collect personal data that is relevant to our relationship with you, either directly from you or indirectly through third parties. Typical situations include:

• Conducting financial fact-finding or needs analysis
• Assisting with applications for investment or insurance products through third-party providers
• Providing customer service, including portfolio reviews, policy updates or claims assistance
• Responding to your feedback and enquiries
• Keeping you informed about products, services, or changes that may affect you
• Performing market research or analytics (using anonymised data wherever possible)
• Capturing images or biometrics at our premises or at events organised by us
• Obtaining publicly available information or referrals from authorised representatives
• Collecting any data required by law, regulation or court order
• Handling employment-related enquiries or applications

4. How We Use Your Personal Data

Your personal data may be collected, used, stored, or shared in order to:

• Verify your identity and information provided
• Provide financial advice, product recommendations, and ongoing portfolio reviews
• Communicate with you effectively and manage our relationship
• Comply with internal policies and operational requirements
• Assess eligibility and creditworthiness for financial or insurance products
• Monitor service quality, including staff training and customer service calls
• Detect, investigate and prevent fraud, suspicious transactions or unlawful activity
• Conduct surveys, research, data analytics and service improvement initiatives
• Manage administrative tasks such as claims, referrals, data storage or backup
• Fulfil regulatory, legal, and reporting obligations with authorities and industry bodies
• Perform any related or incidental purpose reasonably connected to the above

Where permitted, we may anonymise data so it can no longer identify you; anonymised data may be retained and used without restriction, including for analytics and research.

5. Consent

We will seek your consent before collecting, using, or sharing your personal data unless required or authorised by law to do so. Consent may be provided in writing, electronically (e.g. through our website or forms), verbally, or implied through your continued use of our services.

Anyone acting on your behalf (e.g. a person holding power of attorney) is deemed authorised to provide consent and access your personal data on your behalf.

6. Acting on Behalf of Others

If you provide us with someone else’s personal data, you confirm that you have the authority and their permission to share that information with us for the stated purposes.

7. Marketing and Optional Communications

With your consent, MGA, our consultants, and selected partners may use your contact details (excluding medical data) to:

• Share information about our products, services, offers, or rewards
• Send promotional materials via email, SMS, phone call, or post
• Conduct research to better understand your preferences and improve our offerings

If you have opted in to receive messages on your Singapore telephone number(s), we or our consultants may occasionally contact you by voice call or text to promote relevant products or special offers.

You can opt out at any time — see Section 10: Withdrawing Your Consent.

8. Disclosure of Personal Data

We disclose personal data only when reasonably necessary to carry out the purposes described in this Policy or as required by law. Third parties who may receive your information include:

• Your appointed financial consultant or broker
• Your employer, group policyholder, or the party who referred you to us
• Family members, executors, trustees or their professional advisers (for estate-related matters)
• Medical professionals, hospitals or clinics as needed for underwriting or claims
• Insurers, reinsurers, industry associations (e.g. LIA Singapore, GIA Singapore)
• Service providers such as mailing, data hosting, cloud, analytics, printing, disaster recovery, and research partners
• Debt collection and dispute resolution agencies
• Financial institutions, credit reference agencies, regulators, and law-enforcement bodies (e.g. MAS, MOM, MOH, CPF Board)
• Government agencies or statutory boards involved in administering authorised schemes
• Our business partners and affiliates who support us in delivering services
• Any other party authorised by you

Some of these third parties may be based overseas. We require all service providers handling your data to ensure a level of protection comparable to that under Singapore’s PDPA.

9. Accuracy and Your Responsibilities

We strive to keep your personal data accurate and up to date. Please inform us promptly of any changes to your contact details or other personal data to ensure uninterrupted communication and services.

10. Withdrawing Your Consent

You may withdraw consent for specific purposes or opt out of receiving marketing communications at any time by emailing us at pdpa@mga.sg or by completing this Online Form.

We will process your request within 21 days. Please note that withdrawing consent may affect our ability to continue providing certain services or fulfilling existing arrangements.

11. Access and Correction

You have the right, subject to applicable laws, to request access to personal data we hold about you and to know how it has been used or disclosed in the past 12 months. A reasonable administrative fee may apply.

You may also request corrections to your personal data to ensure it remains accurate and complete.

12. Protecting Your Data

MGA employs appropriate administrative, technical, and physical safeguards to protect your personal data from unauthorised access, use, alteration, disclosure, or loss.

Access to personal data is restricted to authorised employees, financial consultants, and service providers who need it to perform their duties.

13. Data Retention

We retain your personal data only for as long as it is necessary to fulfil the purposes outlined above or to meet legal and business requirements. Data that is no longer needed will be securely deleted, destroyed, or anonymised.

14. Use of Cookies

Our website may use cookies or similar technologies to improve functionality, tailor user experience, and analyse site traffic. Cookies store small pieces of information on your browser to enhance performance and personalise content.

You can adjust your browser settings to disable cookies if you prefer; however, doing so may limit certain features or access to parts of our website.

15. Contact Us

For requests regarding access, correction, withdrawal of consent, or other queries about this Policy, please reach us at:

• Email (Data Protection Officer) : dpo@mga.sg

If your personal data was provided to us by a third party (e.g. through a referral), please contact that party directly for access or correction requests on your behalf.

Final Note

This Policy outlines how Meridian Global Advisory Pte Ltd handles your personal data. By continuing to engage our services or interact with us, you acknowledge and agree to the practices described here.