Privacy Policy

Who we are

Suggested text: Our website address is: https://lodras.com.sg.

LODRAS

Legal & Privacy Documentation

Effective Date: 31 March 2026

TERMS AND CONDITIONS

Please read these Terms and Conditions (“Terms”) carefully before engaging with Lodras (“Company”, “we”, “us”, or “our”) for any services. By entering into a service agreement or accessing our services, you (“Client”) agree to be bound by these Terms.

1. Definitions

“Services” refers to insurance advisory, policy placement, risk assessment, claims assistance, and related intermediary services provided by Lodras.

“Insurer” refers to the insurance company underwriting the policy.

“Policy” refers to the insurance contract issued by the Insurer to the Client.

“Client” refers to the individual or business engaging Lodras for insurance-related services.

2. Scope of Services

Lodras acts as an insurance intermediary providing advisory and placement services. We assist Clients in sourcing, comparing, and arranging insurance policies based on the information provided.

Final acceptance of coverage, terms, and pricing is at the sole discretion of the Insurer. Lodras does not underwrite or assume risk.

Any recommendations are based on information made available by the Client and market offerings at the time.

3. Client Obligations

The Client agrees to:

• Provide accurate, complete, and truthful information for underwriting purposes
• Disclose all material facts that may influence the Insurer’s decision
• Review policy documents carefully upon issuance

Failure to disclose material information may result in policy rejection, voidance, or claims denial by the Insurer.

4. Fees and Payment

Lodras receives commissions from Insurers for policies arranged on behalf of the Client.

All premium payments are payable directly to the Insurer, and the Client is responsible to ensure timely payment to maintain continuous coverage.

Lodras shall not be liable for any lapse, cancellation, or invalidation of policy due to non-payment of premiums.

Any additional service fees, if applicable, will be communicated and agreed in advance.

5. Intellectual Property

All policy documents, terms, and conditions are issued and owned by the respective Insurers.

Any materials or summaries provided by Lodras are for reference only and do not override the policy wording.

6. Confidentiality

Each party agrees to keep confidential all Confidential Information received from the other party and to use it solely for the purposes of the engagement.

Lodras may disclose relevant Confidential Information to Insurers, underwriters, and service providers where necessary for the purposes of obtaining quotations, arranging insurance coverage, or handling claims, provided such parties are subject to appropriate confidentiality obligations.

These obligations shall survive for a period of seven (7) years after the termination of the engagement.

Confidentiality obligations do not apply to information that: (a) is or becomes publicly available through no breach of these Terms; (b) was already known to the receiving party; (c) is received lawfully from a third party; or (d) is required to be disclosed by law or regulatory authority.

7. Limitation of Liability

Lodras provides advisory services based on information available at the time and does not guarantee coverage outcomes or claims acceptance.

All claims decisions rest solely with the Insurer.

Lodras shall not be liable for:

• Rejection of claims by Insurers
• Changes in policy terms by Insurers
• Any indirect or consequential losses

Our liability, where applicable, shall be limited to the service fees received by Lodras.

8. Warranties and Disclaimers

Lodras will exercise reasonable care and professional diligence in providing insurance advice.

However, insurance is subject to underwriting, policy terms, and conditions imposed by the Insurer. Coverage is not guaranteed until formally accepted and issued.

9. Termination

Either party may terminate the engagement at any time.

Termination does not affect any active insurance policies already placed with Insurers. Such policies remain subject to the Insurer’s terms.

10. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with these Terms shall first be referred to senior representatives of both parties for good faith negotiation. If unresolved within 30 days, the dispute shall be submitted to mediation administered by the Singapore Mediation Centre before recourse to litigation.

11. General Provisions

• These Terms, together with any applicable SOW, constitute the entire agreement between the parties with respect to the subject matter herein.
• No waiver of any provision shall be effective unless in writing.
• If any provision is found to be unenforceable, the remaining provisions continue in full force.
• Lodras may update these Terms from time to time. Continued engagement following notice of updated Terms constitutes acceptance.

PRIVACY POLICY

Lodras (“we”, “us”, or “our”) is committed to protecting the privacy of our clients, prospective clients, and contacts. This Privacy Policy explains how we collect, use, disclose, and protect personal data in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore.

1. Data We Collect

We may collect the following categories of personal data:

• Business contact information: name, job title, company name, email address, telephone number, and business address.
• Communications: emails, meeting notes, and correspondence exchanged in the course of our engagement.
• Financial information: billing details, payment records, and bank account information where necessary for invoicing.
• Usage data: IP addresses, browser type, and website interaction data when you visit our website (lodras.com.sg).
• Any other information you voluntarily provide to us in the course of our business relationship.

2. How We Collect Personal Data

We collect personal data through:

• Direct interaction: when you contact us, engage our services, respond to proposals, or attend events we organise.
• Our website: through contact forms, cookies, and analytics tools.
• Third parties: referrals, public business directories, and professional networking platforms such as LinkedIn.

3. Purposes of Collection and Use

We use personal data for the following purposes:

• To deliver, manage, and improve our services to you.
• To communicate with you regarding your engagement, invoices, and service updates.
• To send relevant thought leadership, insights, and service updates (you may opt out at any time).
• To comply with legal and regulatory obligations.
• To protect our legal rights and enforce our agreements.
• To conduct internal business operations, including record-keeping and quality assurance.
• To assess insurance risk and facilitate policy underwriting with Insurers.
• To submit applications, claims, and supporting documents to Insurers on your behalf.

We do not use your personal data for purposes beyond those listed above without your prior consent.

4. Disclosure of Personal Data

We do not sell or trade personal data. We may share personal data with:

• Service providers and subcontractors engaged to assist in delivering our services (e.g., cloud storage, accounting software), who are bound by confidentiality and data protection obligations.
• Professional advisors, including lawyers and accountants, under strict confidentiality.
• Regulatory authorities or law enforcement agencies, where required by law.
• Insurers for underwriting, policy issuance, and claims processing.

Where personal data is transferred outside of Singapore, we ensure that adequate protections are in place, consistent with the PDPA.

5. Cookies and Website Analytics

Our website uses cookies and similar tracking technologies to improve user experience and gather analytics. You may configure your browser to refuse cookies; however, some features of the website may not function as intended.

We may use third-party analytics tools (such as Google Analytics) to understand how visitors interact with our website. These tools collect anonymised data and do not identify individual users.

6. Retention of Personal Data

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. In general:

• Client engagement records are retained for a minimum of seven (7) years for legal and accounting purposes.
• Marketing contact data is retained until you opt out or request deletion.
• Website usage data is retained in accordance with our analytics provider’s data retention settings.

7. Security of Personal Data

We implement reasonable technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration, or destruction. These measures include access controls, encrypted storage, and regular security reviews.

Notwithstanding the above, no method of data transmission or storage is completely secure. In the event of a data breach that is likely to result in significant harm, we will notify affected individuals and the Personal Data Protection Commission (PDPC) in accordance with the PDPA.

8. Your Rights

Under the PDPA, you have the right to:

• Access personal data we hold about you.
• Correct any inaccurate or incomplete personal data.
• Withdraw consent for the use of your personal data for certain purposes (subject to legal or contractual restrictions).
• Request the deletion of your personal data where we no longer have a lawful basis to retain it.

To exercise any of these rights, please contact us using the details below. We will respond within 30 days of receiving your request.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites and encourage you to review their privacy policies independently.

10. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with a revised effective date. Continued engagement with Lodras following any update constitutes your acknowledgement of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact:

Lodras

Data Protection Officer / Privacy Enquiries

Email: privacy@lodras.com

Website: lodras.com.sg

Singapore

Last updated: 22 April 2026

These documents are for general informational purposes. Lodras recommends seeking independent legal advice for your specific circumstances.

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An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

Suggested text: If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

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