Ohana Concept – Privacy Policy 

1. Introduction
The following sets out Ohana Concept Pte Ltd “Privacy Policy” for our website.  We shall be referred to hereunder as “Ohana Concept”, “we”, “us” or “our” collectively or singularly as the context requires.
We respect your privacy and are committed to complying with the Singapore Personal Data Protection Act (Act 26 of 2012) (“PDPA“) and other applicable data protection laws where applicable. Our address is at 2 Aljunied Avenue 1, #02-12 Framework Building 2, Singapore 389977.
If you have any questions or comments regarding this privacy policy, please get in touch by contacting us at:
Name:
Email:
Number:
This policy outlines how we manage the Personal Data we hold.
Please read this policy carefully so that you understand the purposes for which we collect, use and disclose your Personal Data. Your continued use of the website indicates your consent to the collection, use and disclosure of your Personal Data as set out herein.
This policy supplements but does not supersede nor replace any other consents you may have previously provided to us in respect of your Personal Data, and your consents herein are additional to any rights which we may have at law to collect, use or disclose your Personal Data. This policy does not affect any rights which we may have at law in connection with the collection, use or disclosure of your Personal Data.

What types of data do we collect and how do we use it?
“Personal Data” refers to any data or information about you from which you can be identified either (a) from that data alone; or (b) from that data combined with other information.
Customer service information. You may provide information by contacting us via our website or email, telephone, instant chat, social media or otherwise or by signing up for our newsletters or alerts.]We use this data to:

• • communicate with you;
  • contact you via [telephone or email];
  • facilitate transactions;
  • identify our users;
  • administer and provide services and customer support per your request;
  • enforce our terms and conditions;
  • ensure the integrity and security of the system and transactions; and
  • administer the services we provide to you.

[Technical usage information. When you use our website, we automatically collect the data sent to us by your [computer, mobile phone, or other access device]. This includes:

• • your IP address;
  • cookies (please refer to paragraph 8 (Cookie Policy) below for more information);
  • device information including, but not limited to, identifier, name, and type of operating system; 
  • mobile network information; 
  • standard web information, such as your browser type and the content you access on our Service.

Other information. You may from time to time provide any other information relating to you in any form you may have submitted to us, or in other forms of interaction with you.
[We may monitor or record phone calls and customer-facing interactions for quality assurance, employee training and performance evaluation, and identity verification purposes, and while receiving feedback responding to your queries, requests and complaints and other related purposes. Such monitoring or recording will be done in accordance with applicable law.]

If you provide Personal Data of a third party (e.g. information of your dependent, spouse, children and/or parents) to us, you represent and warrant that the collection, use and disclosure of that Personal Data to us, as well as the further processing of that Personal Data by us for the purposes set out in this policy, is lawful.

2. How do we use and disclose your personal data?

We do not use or disclose personal data to others except as described in this policy. 

In general, we will, subject to applicable law, use and disclose your Personal Data for the following purposes:

• [provide you with the products or services that you have requested;
• help us review, develop, improve, manage the delivery of and – to the extent this requires the use of Personal Data – enhance our products and services;
• communicate with you and respond to your queries, requests and complaints;
• provide ongoing information about our products and services which may be of interest to you; and
• manage our infrastructure and business operations and comply with internal policies and procedures.]

We share your data with selected recipients. These categories of recipients include: 

• payment processing and remittance partners located in other countries, in order to provide remittance services; 
• service providers that we engage to help provide our services, such as cloud storage providers to store the personal data you provide and for disaster recovery services, as well as for the performance of any contract we enter into with you.

We will share your personal data with law enforcement agencies, public authorities, financial regulators, state banks and financial authorities, or other organisations if legally required to do so, or if we have a good faith belief that such use is reasonably necessary to:

• comply with a legal obligation, process or request;
• enforce our terms and conditions and other agreements, including investigation of any potential violation thereof;
• detect, prevent or otherwise address security, fraud or technical issues; or
• protect the rights, property or safety of us, our users, a third party or the public as required or permitted by law (exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction).

We will also disclose your personal data to third parties: 

• our professional advisors such as our auditors and lawyers;
• [insurers or insurance investigators and credit providers;]
• anyone to whom we transfer or may transfer our rights and obligations, including, for example, where we obtain the services of a third party organisation to handle any aspect of the processing of your Personal Data for the purposes notified to you in accordance with this policy; and
• banks, credit card companies and their respective service providers.

3. Where do we store your personal data? 

The personal data that we collect from you will be stored at and processed in Singapore. 

• The security of your personal data

Unfortunately, the transmission of information via the internet or email is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your personal data transmitted through the website or over email; any transmission is at your own risk. Once we have received your personal data, we will take appropriate technical and organisational measures to safeguard your personal data against loss, theft and unauthorised use, access or modification.

We will, from time to time, host links to and from the websites of our affiliates or third parties. If you follow a link to any of these websites, these websites will have their own privacy policies and we do not accept any responsibility or liability for these policies. Please check these policies before you submit any information to those websites.

4. How long do we store your personal data?

We maintain retention policies of records containing personal data to ensure personal data is not kept longer than is necessary for the fulfilment of the purpose for which the data is or is to be used. Different retention periods apply to the various kinds of personal data collected and held by us in accordance with policies in standing instructions and administration manuals.

5. Your rights

You have the right to request access to and correction of your personal data held by us (except where the exercise of these are restricted under applicable laws – for example, due to judicial proceedings or the carrying out of investigations). If you wish to exercise these rights, please contact us at the contact details set out in paragraph 1 above.

Where we rely on your consent to use your Personal Data, you have the right to withdraw that consent at any time. This withdrawal will however not affect any legal consequences arising from such withdrawal.  If you withdraw your consent to any or all purposes and depending on the nature of your request, we may not be in a position to continue to provide our products or services to you. Please note, however, that if you have provided us consent in respect of the use of your Singapore telephone number(s) for receiving marketing or promotional information, any such consent provided will not be affected by your withdrawal of your other consent in accordance with the terms set out in this policy.  If you do not wish for your Singapore telephone number(s) to be used for receiving marketing or promotional information, please contact us and specify that you wish to withdraw your consent for such purpose.

6. Cookie Policy

We employ the use of cookies. By using Ohana Concept’s website you consent to the use of cookies
in accordance with Ohana Concept’s Privacy Policy. Most of the modern day interactive web sites
use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

7. Changes 

Any changes we will make to this policy in the future will be posted on this page. Please check back frequently to see any updates or changes to this policy.

8. Governing Law

This policy and your use of this website shall be governed in all respects by the laws of Singapore.