Privacy and Cookie Notice
Last updated: 29 October 2026

Kloon Risk Management Pte Ltd (Kloon, we, us) respects your personal data. This notice explains how we handle personal data in connection with this website, enquiries and our insurance services. It applies to Kloon Risk Management Pte Ltd, not to a separate organisation merely because it is linked from this website.

Information we collect and why

When you contact us, we collect the information you provide, such as your name, business, email address, telephone number, policy number and enquiry or claim details. We use it to respond, understand your insurance requirements, obtain quotations, arrange and administer insurance, assist with claims and maintain our service records. We may need further information relevant to the requested cover or claim. Please do not send NRIC numbers, financial, medical or other sensitive documents through the general enquiry form unless we have specifically requested them through an appropriate channel.

If you provide personal data about another person, please ensure you are authorised to do so and that the person has been informed of the relevant purposes. We may also receive relevant information from authorised representatives, insurers and parties involved in a policy or claim.

Our website and service providers process technical information such as IP address, browser and device information, request logs and security events to deliver and protect the site. Optional analytics and advertising technologies are described below.

Use and disclosure

We use and disclose personal data for the purposes notified to you, with consent where required, or as otherwise permitted or required by law. Relevant recipients may include insurers and their officers, authorised intermediaries, claims professionals and advisers involved in your request, and service providers supporting website hosting, communications, security and administration. We do not sell your personal data. We do not treat an enquiry, or consent to website cookies, as consent to unrelated promotional messages.

Cookies and your choices

Essential technologies support site operation, security and your saved consent choices. Google reCAPTCHA is used to protect our forms against spam and abuse; it may process device, network and interaction information. It is separate from optional campaign measurement. You can also contact us by telephone or email instead of using the form.

• Statistics (optional): Google Analytics helps us understand visits, pages used and website interactions so we can improve the site. It uses cookies or similar identifiers and processes device and browsing information.
• Advertising and embedded services (optional): Google Ads supports campaign and interaction measurement; Google Maps displays our location. These services may use cookies and identifiers and process information about your device and use of the website.

You can select Accept all, Reject optional, or View preferences to choose optional categories. Optional technologies are blocked until you consent. Use the Privacy choices control to review or withdraw your choice at any time. Your choice is remembered in this browser; another device or browser may require a new choice. Clearing browser storage may also reset it. Rejecting optional technologies does not prevent you from contacting us, although embedded content such as Maps will remain unavailable unless enabled.

Cookies may be limited to a session or persist until expiry or deletion. You can also manage stored cookies in your browser. Withdrawal stops future optional use through this website but does not undo processing already carried out. See how Google uses information from partner sites and Google’s Privacy Policy.

External services and links

If you choose WhatsApp, an insurer’s online service or another external link, the destination provider processes information under its own privacy notice and terms. WhatsApp is an external messaging service; do not send sensitive insurance documents there unless an appropriate arrangement has been agreed. See WhatsApp’s Privacy Policy. Third-party services may process data outside Singapore.

Protection, retention and overseas processing

We take reasonable steps to protect personal data against unauthorised access, use or disclosure. No internet transmission or storage system is completely secure. We retain personal data for as long as needed for the purposes for which it was collected, or for legal or business purposes, and cease retention or remove identifying information when it is no longer needed. Where we transfer personal data outside Singapore, we are required to meet applicable transfer-protection obligations under Singapore’s Personal Data Protection Act.

Access, correction, withdrawal and privacy enquiries

To request access to or correction of personal data, withdraw consent, or raise a privacy concern, contact our privacy contact at enquiry@kloonrisk.com. Please describe your request without including unnecessary sensitive information. We may need to verify your identity and clarify your request before responding. Applicable legal exceptions may limit access or deletion. If you withdraw consent needed for an insurance service, we will explain the likely consequences; it may affect our ability to provide that service. Withdrawal does not affect processing that is otherwise permitted or required by law.

We may update this notice as our services or practices change. The updated notice and date will appear on this page.