Disclaimer and Privacy Policy

Disclaimer and Privacy Policy

Table setting out Purposes and personal data FTLife may collect

No. Purposes Personal data we may collect
1 Administration of insurance or reinsurance related business, which includes underwriting, processing and evaluation of applications, identity and credit checking, suitability checking, policy servicing, collateral assignment arrangement (e.g. for premium financing purpose), claims processing, claims investigation, claims settlement, fraud detection and prevention (whether or not relating to the policy issued in respect of this application), account/ debt collection, litigation, communications, preparing statistics, data analysis and research, internal and external audit, maintaining quality services, sales and marketing, corporate brand building and customer loyalty building
  • Personal identification information, including name, gender, age or age range, place of birth, date of birth, place of residence, identity/travel document details, nationality, marital status and family status
  • Contact information, including contact details, contact number, e-mail address and mailing/correspondence/ residential address
  • Financial information, including credit information, income, bank account information and tax information (including US taxation status, tax resident jurisdiction)
  • Health-related information, including medical and health records, accident information, claims history and family health history
  • Account and insurance information, including membership number, user name and password, Log Files, insurance policy details and transaction records
  • Personal characteristics information, including educational and training details, employment details, lifestyle and social circumstances, interests and favourite activities and social media account information
  • Third-party information in relation to the policy owner, insured, policy beneficiaries, assignees, trustees and/or third-party payor (as applicable), including their name, relationship with you, employment details, income, identity/travel document details, place of residence, insurance details and claims history and other personal data as listed in the above (as applicable)
2 Identifying and verifying your identity and/or as a member
  • Name
  • Membership number
  • User name and password
  • E-mail address
3 Registering you as a user of the Application and/or the Website (as the case may be)
  • Name
  • Date of birth, month and year of birth
  • Contact details
  • E-mail address
  • Mailing/correspondence address
  • Contact number
4 To serve you better and/or maintain your personal data and/or information across multiple pages within or across one or more sessions when using the Application and/or the Website (as the case may be)
  • Log Files
  • Tracking Data
5 Following registration as a user, accessing your account information (including, but not limited to, your name, membership number, etc.) and managing your account (including, but not limited to, changing your password, updating your personal information, subscribing/ unsubscribing from direct marketing, etc.)
  • Log Files
  • Membership number
6 Research, development, and analysis in relation to your/customer behaviour including carrying out data sorting and analysis to enable us to better understand your characteristics and transaction behaviour (subject to your consent for direct marketing, if/where applicable) to provide other goods and/or services better tailored to your needs, and to assist us in selecting Marketing Subjects that are likely to be of interest to you, and carrying out aggregated behavioural analysis, including using personal data for statistical analysis, data science studies and data mining
  • Name, gender, age or age range
  • Educational and training details, employment details, occupation, lifestyle and social circumstances, interests and favourite activities and social media account information
  • Tracking Data, including tracking information about your use of the Application and/or the Website (as applicable) and transaction information (including your characteristics and transaction behaviour)
7 For you to make enquiries, complaints, and/or suggestions to us in relation to the Purposes and/or the Goods and Services (including, but not limited to, through an in-app text box on your mobile device or through our official social media page and/or our official website of, or by text message, email and/or mail, and/or other media whether now known or available in the future)
  • Name
  • Contact number
  • E-mail address
  • Membership number
8 Seeking your feedback, including through surveys, in relation to the Purposes and/or the Goods and Services (including, but not limited to, through an in-app text box on your mobile device or through our official social media page and/or our official website of, or by text message, email and/or mail, and/or other media whether now known or available in the future)
  • Interests and favourite activities
  • Transaction information (including your characteristics and transaction behavior)
9 Improving the Documentation, the Application and/or the Website, the Purposes, and our and our Affiliates’ and Marketing Partners’ Goods and Services
  • Tracking Data
  • Interests and favourite activities
  • Transaction information (including your characteristics and transaction behavior)
10 Direct marketing and cross-marketing for the Marketing Subjects, subject to consent
  • E-mail address
  • Gender
  • Date of birth, month and year of birth
  • Contact number
  • Mailing/ correspondence address
  • Tracking Data
  • Interests and favourite activities
  • Transaction information (including your characteristics and transaction behavior)
11 Data analytics, profiling, information management and database administration
  • Interests and favourite activities
  • Social media account information
  • Tracking Data
  • Marital status
  • Family status
  • Educational level
  • Occupation
  • Transaction information (including your characteristics and transaction behavior)
12 Deterring, detection, investigation and/or prevention of activities that may violate, or may be suspected to violate, our policies or may be abusive, illegal, and/or criminal subject to the applicable laws and regulations in the Mainland China
  • Name
  • Contact details
  • Residential address
13 Collection or recovery of any debt owed by you to us or our Affiliates
  • Name
  • Contact details
  • Residential address
  • Transaction information (including your characteristics and transaction behavior)
14 The normal management, operation, and maintenance of the Application and/or the Website (as applicable) and the provision of the Goods and Services to you
  • Name
  • Contact details
  • Mailing address
  • Membership number
  • Contact number
  • User name and password
  • Transaction information (including your characteristics and transaction behavior)
15 Storing your personal data (whether by a single or multiple Affiliates (including us) or our Marketing Partners) for the purpose of sharing such personal data with our Affiliates and/or our Marketing Partners for any and all of the other Purposes listed above (and subject to your consent in the event that transfer to any or all such data transferees for direct marketing are involved)
  • Personal identification information, including name, gender, age or age range, date of birth, marital status and family status
  • Contact information, including contact number, e-mail address and residential address
  • Education level
  • Annual Income
  • Account and insurance information, including Insurance policy details, last insurance policy purchase date, direct marketing consent status
  • E-mail open and click status