Please read this document carefully in full before you use this site as it sets out the terms and conditions subject to which we, the Asia Risk Management Institute (ARiMI), will allow you to use ARiMI website and the information contained within it. By using this website, you agree to be bound by the terms and conditions stated here in their entirety. If you do not accept these terms of use, please do not use this site.
Your use of the website is also governed by our “Privacy & Data Protection Policy”.
1.1 This website is on free and open access to the public. It is not necessary to register with us in order to visit and use this site.
1.2 All reasonable measures are taken by us to ensure that this Site is operational 24 hours aday, 7days a week. However, occasionally technical issues may result in some downtime and accordingly we will not be liable if this site is unavailable at any time.
1.3 The contents of the Website are protected against unauthorized use by copyright and other intellectual property laws. The contents of the Website are the Copyright © Asia Risk Management Institute unless otherwise stated. Use of such copyright will only be permitted within the scope of the license contained in your “License to use the Website” below.
1.4 The trademarks, names, logos and service marks (collectively “trademarks”) displayed on this Site are registered and unregistered trademarks of the Site owner and third party partners. Nothing contained on this Site should be construed as granting any license or right to use any trademark without the prior permission of the Site owner or of the owner of the trademark.
1.5 This site may be used for your own personal non-commercial purposes and in accordance with these terms of use.You may not sell or modify our site material or reproduce, display, publicly perform, distribute, or otherwise use the material in any way for any public or commercial purpose.
1.6 By accessing this site, you warrant and represent to the site owner that you are legally entitled to do so and make use of information made available via the site.
1.7 You may download and print material from this Site and use it to influence the way in which risk management is carried out in your place of work provided that you do not use it for commercial purposes.
1.8 You must not modify or reproduce any content you have printed off or downloaded in any way, without our prior written consent.
1.9 Throughout this Site you may find links to third party sites. The provision of a link to such a site does not mean that we endorse that site. ARiMI does not endorse, review, or warrant the accuracy or quality of the products or services offered by any external websites linked to our Website. If you visit any site via a link on our Website you do so at your own risk.
1.10 Any party wishing to link to this site is entitled to do so provided that the conditions below are observed:
(a) you do not seek to imply that we are endorsing the services or products of another party unless this has been agreed with us in writing;
(b) you do not misrepresent your relationship with this site; and
(c) the site from which you link to this Site does not contain offensive or otherwise controversial content or, content that infringes any intellectual property rights or other rights of a third party.
1.11 By linking to this Site in breach of clause 1.10, you shall indemnify us for any loss or damage suffered to this Site as a result of such linking.
1.12 Whilst we do take all reasonable steps to provide quality information on this site, makes no representations about the accuracy, reliability, completeness, or timeliness of the material on this website or about the results to be obtained from using the website. You use the website and its material at your own risk. Changes are periodically made to the website and may be made at any time.
1.13 The information and tools available in the Website are general in nature, and are only intended as guides and are not intended as substitutes for professional advices.
1.14 All material contained on this Website is provided without any warranties of any kind. You use the material on this Site at your own discretion and risk.
1.15 Any link on the Website is provided solely for your convenience. The link does not represent any endorsement or recommendation by ARiMI. ARiMI does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you as a result of arrangements made with any third parties.
1.16 The Site owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the site, any information contained on the site, your or your company’s personal information or material and information transmitted over our system. In particular, neither the website owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any information or transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.
1.17 If there is a conflict or contradiction between the provisions of this site terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the site shall prevail in respect of your use of the relevant section or module of the site.
1.18 These terms of use are governed by Singapore law. Any dispute arising in connection with these terms of use shall be subject to the exclusive jurisdiction of the Courts of Singapore.
This policy (“Cookies Policy“) is issued by Asia Risk Management Institute (“ARIMI”). This Cookies Policy applies to our use of cookies in connection with our website arimi.org and our mobile application (collectively “Site“).
By continuing to use our Site, you are agreeing to our use of cookies in the manner set out in this Cookies Policy.
If you not wish to accept cookies in respect of your use of this Site, you should stop using the Site, or turn off your cookies (see paragraph 4), but this may affect the functionality of the Site.
1. WHAT THIS COOKIES POLICY COVERS
This Cookies Policy sets out:
(a) what a cookie is (paragraph 2);
(b) an overview of the cookies we use (paragraph 3);
(c) what you can do if you do not agree to the use of the cookies (paragraph 4); and
(d) further information about cookies in general (paragraph 5).
2. WHAT IS A COOKIE?
After you enter the Site, the Site will make use of “cookies”. Cookies are small text files containing small amounts of information which are downloaded and may be stored on any of your internet enabled devices e.g. your computer, smartphone or tablet – like a memory for a web page. This Cookies Policy provides you with information about the cookies we use and why. Our Privacy Policy sets out full details of the other information we may collect and how we may use your personal data. If you do not wish to accept cookies in connection with your use of this Site, you should stop using it or turn off your cookies (see paragraph 4 below for how to do this) but this may affect the functionality of the Site.
3. COOKIES USED ON THE SITE
We use several different types of cookies. In particular, we use the following first party cookies: necessary cookies which allow certain fundamental features of the Site to work; functional cookies, which allow us to remember choices you make (e.g. your cookie preference), performance cookies, which monitor usage of the Site and advertising cookieswhich record the fact that you have visited the Site and then which links you have accessed whilst you use the Site.
We also use third party cookies – these are cookies that are set by a third party website or applications rather than by us. In particular, the Site allows cookies of third party social networks (e.g. Facebook and LinkedIn), and this enables a user to share content of the Site on social networks. These third parties may use cookies, but their use of cookies will not be governed by this Cookies Policy.
Some of these are session cookies which are temporary and allow us to link your actions during a browser session. These are deleted at the end of your browsing session. Others are persistent cookies which remain on your device for the period of time specified in the cookie. These cookies help us identify you as a unique user (by storing a randomly generated number).
The Site uses first party cookies for the following purposes:
(a) necessary cookies
Necessary cookies are essential and help you navigate the Site. These cookies make sure your basket is saved during all steps of the checkout process. This helps to support security and basic functionality of the Site. These cookies are necessary for the proper operation of our Site, so if you block these cookies we cannot guarantee your use or the security of our Site during your visit.
(b) functional cookies
Functional cookies are used to provide you the best user experience. These cookies are for instances used to save and remind you about reservations you have started to make, so will save you time if you want to complete your reservation at a later stage. These cookies could also recognise if a Site user has already signed up for our newsletter/requested information about a service or if the user is seeing a certain page for the first time.
(c) performance cookies
Performance cookies help us to understand the behaviour of our visitors and the usage of the Site. This allows us to continuously improve the Site to provide you the best user experience. These cookies are also used to help us understand what interests our users, and measure how effective our advertising is. Some of these cookies are managed by third parties, and you may refer to the third parties’ own website privacy notifications for further information.
By way of example, we use Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes, and to help improve the overall experience on our Site. Google Analytics is a third-party web analysis service provided by Google Inc, which uses “performance cookies” and “targeting cookies” to analyse how you use the Site. The information generated by the cookie about your use of the Site (including your IP address) will be transmitted to and stored by Google.
On behalf of us, Google will use the information collected for the purpose of evaluating your use of our Site, compiling reports on Site activity and providing other services relating to Site activity and internet usage to us. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser as described below. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB#. You may disable the use of Google Analytics by using the link disable Google Analytics. This link creates an opt-out cookie which prevents the further processing of your data. For more information about Google Analytics cookies, please see Google’s Help Pages and Private Policy.
If you do not accept the use of these cookies, we cannot guarantee how our Site will perform for you.
4. CONTROL YOUR COOKIE SETTINGS
We shall store a cookie on your computer or device to remember this for next time. You can change your browser settings so that you receive a warning before certain cookies are stored. You can also adjust your settings so that your browser refuses most of our cookies or only certain cookies from third parties. If you wish to withdraw your agreement at any time, you will need to delete our cookies using your internet browser settings. You should do this through the browser settings for each browser you use. Please be aware that some of our services will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your internet browser. The following links may assist you in managing your cookies settings, or you can use the ‘Help’ option in your internet browser for more details.
(a) Internet Explorer: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
(b) Mozilla Firefox: http://support.mozilla.com/en-US/kb/Cookies
(c) GoogleChrome: http://www.google.com/support/chrome/bin/answer.py?hl=en&answer=95647
(d) Safari: http://support.apple.com/kb/PH5042
(e) Opera: http://www.opera.com/help/tutorials/security/privacy/
(f) Adobe (flash cookies): https://www.adobe.com/support/flash/downloads.html
To block Google Analytics cookies specifically, you can install the “Google Analytics Opt-out Browser Add-on” provided by Google. If you share the use of a computer, accepting or rejecting the use of cookies may affect all users of that computer.
The above instructions on browser settings are relevant when you use or access our website arimi.org.
5. OTHER INFORMATION
The following link contains further information about cookies:
(a) http://www.aboutcookies.org.
In addition, a guide to online privacy has been produced by the internet advertising industry which can be found at:
(b) http://www.youronlinechoices.eu
(c) http://www.aboutads.info
We may change this Cookies Policy from time to time by posting the updated version of the policy on our Site. Please check this Site periodically to be informed of any changes.
ARiMI–Asia Risk Management Institute
3 Temasek Avenue
#21-00 Centennial Tower
Singapore 039190
Email: [email protected]
Last updated on 2 January 2019
ARiMI respects the privacy of individuals and recognizes the importance of the personal data you have entrusted to us and believe that it is our responsibility to properly manage, protect, process and disclose your personal data. We are also committed to adhering to the provisions and principles of the Personal Data Protection Act 2012. As such, this Personal Data Protection Statement is to assist you in understanding how we collect, use and/or disclose your personal data.
We will collect, use and disclose your personal data in accordance with the Personal Data Protection Act 2012 (“Act”). The Act establishes a data protection law that comprises various rules governing the collection, use, disclosure and care of personal data. It recognises both the rights of individuals to protect their personal data, including rights of access and correction, and the needs of organisations to collect, use or disclose personal data for legitimate and reasonable purposes.
“Personal data” is defined in the Act as “data, whether true or not, about an individual who can be identified – a) from that data; or b) from that data and other information to which the organisation has or is likely to have access.”
The Act takes into account the following concepts:
Consent – Organisations may collect, use or disclose personal data only with the individual’s knowledge and consent (with some exceptions);
Purpose – Organisations may collect, use or disclose personal data in an appropriate manner for the circumstances, and only if they have informed the individual of purposes for the collection, use or disclosure; and
Reasonableness – Organisations may collect, use or disclose personal data only for purposes that would be considered appropriate to a reasonable person in the given circumstances.
In projecting the three main concepts above, the Act contains nine main obligations which organisations are expected to comply with if they undertake activities related to the collection, use and/or disclosure of personal data:
While we will not be going into the details of these Obligations in this Personal Data Protection Statement, you can be rest assured that we are constantly mindful of them in our collection, use and disclosure of personal data. Should you wish to know more about these obligations, an excellent summary can be found in the Advisory Guidelines of the Personal Data Protection Commission at:
Personal data (“Personal Data”) refers to all and any information relating to you obtained by us in the course of and as a result of the provision of any products and services by us to you. Such Personal Data includes but not limited to your name, mailing address, telephone number(s) and personal email address and NRIC / passport number. We shall treat your Personal Data as confidential and will accord due level of care in accordance with our Privacy Policy statement, and consistent with the Personal Data Protection Act 2012 (Act 26 of 2012).
These purposes include, but are not limited to:
We may for these purposes, contact you via mail (including electronic mail), telephone, SMS or other communication (text or image) applications for mobile devices, and facsimile.
We do organise activities in which external stakeholders or the general public are invited to participate. In encouraging a vibrant interaction with the public, there will be opportunity, and often a need, to collect, use and/or disclose personal data from members of the public. Some of the reasons/ purposes are as follows:
In almost all of the above situations, it will be up to you as to whether, and to what extent, you wish to provide us with your personal data. For Events where such provision of personal data is a pre-requisite to attendance, you shall be informed in advance so that you may make an informed decision as to whether to attend. ARiMI will also endeavour at all times to inform you of the purposes for which personal data collected from you will be used.
Where possible, we will collect your Personal Data directly from you and secure the relevant consent from you. This may take place in a number of ways, such as when you visit us in our institute etc, give us a written order or ask us to provide a product or service over the telephone or internet.
Our websites may also offer interactive facilities, such as contact form enquiry or comment forms and contest entry forms, where Personal Data may also be collected. In addition, we may obtain Personal Data from third parties such as our agents, partners, contractors and regulatory authorities. Where you have accessed and used our websites and any services we offer via the websites, you agree to be bound by this Personal Data Protection and Privacy Policy in respect of the Personal Data collected about you via our websites.
Regardless of who provides Personal Data to us, it will always be handled by us in accordance with this Personal Data Protection and Privacy Policy and the Personal Data Protection Act 2012 (Act 26 of 2012).
In providing you with a product or service, we may sometimes need to disclose your Personal Data to others. It is generally not our policy to disclose your Personal Data to external organisations unless we have your consent &/or are required to disclose your Personal Data as required in the normal course and scope of our business in the provision of our services to you, and/or for contractual, legal and regulatory requirements. Some examples of the types of external organisations we may need to disclose information to in the course of providing a product or service are:
These external organisations are not authorised by us to use your Personal Data for anything other than the purpose(s) for which we supplied that data to them or as required by law. Some of our information technology service providers may be located overseas (if any) and, as a result, Personal Data collected and held by us may be transferred overseas.
Unless otherwise required or permitted by law, we will only disclose your Personal Data with your consent (implied or expressed), and we will also take reasonable steps to ensure the external organisation to whom we have disclosed your information are also legally bound to protect the privacy of your Personal Data.
From time to time, we may contact you via mail, electronic-mail, telephone (call or SMS-Text) or facsimile, to inform about our products and services, or about special offers and promotions that we think may be of interest to you. You can let us know at any time if you no longer wish to receive marketing material (by contacting us at the details below) and we will remove your details from our direct marketing database.
We will not disclose your Personal Data to external organisations outside ARiMI and its associated/affiliated businesses for the purposes of allowing them to directly market their products and services unless expressly authorised by you.
The Do Not Call (DNC) Registry prohibits the sending of unsolicited telemarketing messages (“specified messages”) to Singapore telephone numbers through voice calls, text or fax messages registered on the DNC Registers unless the organization sending the messages have the user’s/subscriber’s clear and unambiguous consent in written or other accessible forms.
In compliance with the DNC Registry provisions, ARiMI and its associated/affiliated businesses will not send specified messages to telephone or facsimile numbers that appear on the DNC Registry unless the user/subscriber has given us clear and unambiguous consent to do so.
If you have given us such consent, we will continue to send you specified messages until you advise us in writing (contact details below) that you wish to withdraw the consent.
ARiMI and its associated/affiliated businesses will continue to contact you at the telephone or facsimile number/s you have provided us in the limited circumstances allowed under the DNC Registry even if these telephone or facsimile number/s are registered with the DNC. You may, however, advise us in writing should you wish not to be contacted by us at your telephone or facsimile number(s) for any given purpose or all purposes.
Please be informed that we will still contact you via the most effective and efficient mode where required by law.
Should you wish to withdraw your consent for us to send you sales and marketing information via a specific mode or all modes of communications (e.g., mail, email, telephone calls, SMS-Text), please notify us in writing to our contact details below. We may require up to 4 weeks, upon receipt of your request, for the change to take effect.
Whilst we respect your decision to withhold and/or withdraw your consent, you may wish to know that should we not have the appropriate consent to contact you in the mode we might develop for the sales and marketing information, client care support and all other purposes for our graduates/participants/clients, we might not be able to accord you the full extent of the personalized and comprehensive graduate/participant/client experience we had designed to serve you – e.g., invitation to ARiMI events, special privileges and offers, among others.
We rely on the Personal Data we hold in conducting our business. Therefore, it is very important that the Personal Data we hold is accurate, complete and up-to-date.
We will do our best to ensure that the Personal Data we hold is accurate, complete and up-to-date whenever we collect or use it. This means that from time to time, we will ask you to tell us if there are any changes to your Personal Data. If you find that the Personal Data we hold about you is incorrect, please contact us immediately and we will correct it.
You can access most of the Personal Data we hold about you by contacting us formally through the contact details indicated below. We will require a formal written request from you to our Data Privacy Officer (details below).
An administrative fee will be charged to you to cover the reasonable cost of retrieving the information and supplying it to you.
Access to Personal Data may be refused in a number of circumstances, such as where the Personal Data relates to anticipated legal proceedings or the request for access is frivolous or vexatious. If we deny or restrict your access, we will explain why as required by applicable laws.
Security of Personal Data is important to us and we take all reasonable precautions to protect Personal Data from misuse, loss, unauthorized access, modification or disclosure.
Some of the ways we protect Personal Data include:
We will retain your Personal Data for a reasonable period for the purposes, or as required by law.
The type of Personal Data we collect on our website depends on how you make use of the site. When you visit our websites, our host records your server address, domain name, the date and time of the visit and the pages viewed. This information may be collected by using cookies (data sent to your web browser, which generally allows our site to interact more efficiently with your computer). If you disable the use of cookies, your use of our site may be affected. Information collected about your visit to our site is retained for statistical and website development reasons and is not in a form which would enable us to identify you.
When visiting our sites, you will not be required to provide us with any Personal Data unless you request information about our product or service, or respond to a contest or promotion, or provide a feedback. In which case, we will ask you to provide contact details along with other information required to respond to your request or allow you to enter the contest or promotion.
The Personal Data and information provided may also be retained for product planning purposes, and we may use your Personal Data to contact you for direct marketing purposes where your consent was given.
If you send us an email containing your Personal Data, we will take reasonable steps to ensure the confidentiality of that information. The content of emails is sometimes monitored by our internet host for maintenance and fault detection purposes. We may also monitor email for legal compliance purposes.
Although we take steps to protect Personal data and information sent by e-mail, e-mail is not a secure method of communication and if you are concerned about sending your Personal Data to us in this manner you may prefer to contact us by any of the other means set out below.
If you believe that the privacy of your Personal Data has been compromised, please contact us and we will take the relevant steps to address your concerns.
You agree to respect to other users’ personal information that you obtain through the Site or through any of our Site-related communication or transaction.
In addition, under no circumstances will you disclose personal information about another user to any third party without our consent and the consent of such other user after adequate disclosure. Please note that law enforcement personnel and other rights holders are given different rights with respect to information they access.
We and our users do not tolerate spam.
You are responsible for all actions taken with your username and/or password. Therefore you should not disclose your site password to any third parties. If you choose to share your username and/or password or your information with third parties to provide you with additional services, you agree that you are responsible for all actions taken with your username and/or password and therefore you should review that third party’s privacy policy. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason, you should immediately change your password and notify ARiMI and its associated/affiliated businesses.
If you are under the age of 18 years are not eligible to use our services or purchase any products online.
ARiMI and its associated/affiliated businesses does not solicit any personal information from minors, and we request that minors do not submit any personal information to us online. If you are under the age of 18 years, you may only surf the site only if you have obtained consent from your parents/legal guardian or if you are under the supervision of your parent or legal guardian.
Our website may contain links to other websites which are owned or operated by third parties independent of ARiMI and its associated/affiliated businesses including websites owned or operated by ARiMI and its associated/affiliated businesses dealers and by our service providers. Those websites should contain their own privacy statements and their owners or operators are responsible for informing you about their security and privacy practices. ARiMI and its associated/affiliated businesses will not be responsible for the privacy policies and practices of other websites even if you access them using links from our websites and recommend that you check the policy of each site you visit and contact its owner or operator if you have any concerns or questions. In addition, if you are linked to our websites from a third-party website, ARiMI and its associated/affiliated businesses cannot be responsible for the privacy policies and practices of the owners or operators of that third-party site and recommend that you check the policy of that third party site and contact its owner or operator if you have any concerns or questions.
We reserve the right to amend this Personal Data Protection and Privacy Policy at any time. If we make any changes to this Personal Data Protection and Privacy Policy and the way in which we use your Personal Data we will post these changes on our websites and will do our best to notify you of any significant changes. Please check our Personal Data Protection and Privacy Policy on a regular basis.
This section applies only if a particular circumstance or activity applicable to ARIMI requires the application of the GDPR to ARIMI. Subject to the aforesaid, in such cases, this section would apply to residents of the European Union only.
Generally, we process personal data on the basis of consent. Apart from consent, under the GDPR, we may also lawfully process your personal data on one or more of the following bases:
Lawful basis for processing
We practise data minimisation and strive to collect only what is necessary in relation to the purposes for which such personal data is processed and to maintain the relevant relationship between us such as the student relationship in the case where you are a student. The consequence of not providing such requested personal data may result in our inability to start that relationship with you, to maintain that relationship with you or to provide you with our products or services.
Where your personal data is transferred to a country for which the European Commission has not made an adequacy decision, we will take appropriate steps to ensure that the foreign recipient organisation of the personal data is bound by legally enforceable obligations to protect the transferred personal data. This may include us entering into an appropriate contract with the foreign recipient organisation dealing with the personal data transfer.
Where the GDPR is applicable, you have the following rights (subject to any exceptions under the GDPR):
In general, we do not use automated individual decision-making for the formation and management of your relationship with us. If we should rely on such processing in a particular situation, we will do so in accordance with the GDPR.
For any questions relating to your Personal Data or about our Privacy Policy, you may contact us at :
Asia Risk Management Institute
3 Temasek Avenue #21-00 Centennial Tower
Singapore 039190
Email: [email protected]