Cookie Policy

1. Please note that we use cookies on our website. Cookies are text files that we put on your computer and they store/record information about your visit to and use of the website. Cookies can compile information about your browsing habits and can also enhance your browsing experience. For more information on cookies, please refer to www.aboutcookies.org. We set out below more details about the cookies we use. You can of course disable cookies.

2. We use cookies for the following purposes :

(a) to improve your user experience on this website;

(b) to remember your preferences;

(d) to monitor traffic to the website;

(e) to enable this website to function properly;

(collectively the “Purposes”)

3. If you want to know more about the specific cookies we use, please refer to the table below:

Cookie Name	Purpose
ga	This cookie is utilised by Google Analytics to monitor traffic and user behaviour on the website.
default-audience	This cookie allows the site to “remember” which audience group you belong to (e.g., Personal User, Business User, Agents / Partners or a User who has accessed the About Us section the last).
default-homepage	This cookie “remembers” the last country site you have visited. It will display the same country site to the User on the next visit.
lifestage	This cookie “remembers” the profile (e.g., Single, Attached, Young Family, Plan to retire or no selection is made) selected by the User and displays content relevant to the User.

4. You can control cookies through your web browser settings. This allows you to determine which cookies to allow and which to refuse. If you disallow the use of cookies on our website, please note that you may not be able to access the full range of functions that our website offers.

5. Personal data (if any) that we collect from you through cookies may be passed to our third party service providers, whether located in Singapore or elsewhere, for one or more of the Purposes, for managing and/or administering our website, or for the purpose of data hosting/storage/backup.

6. Your use of our website constitutes consent by you to our use of cookies and to the matters set out herein.