Maravine Privacy Statement
This privacy statement explains how Maravine collects, uses, discloses and retains personal data in connection with our senior insurance consulting services. The policy applies to individuals who access our website at fasvine.biz, engage our advisory services, or otherwise provide personal data to Maravine. We aim to be transparent about processing activities and provide clear channels for data subject requests.
Key Definitions
To ensure clarity, the following definitions apply throughout this document: personal data refers to any information relating to an identifiable individual; processing covers any operation performed on personal data; controller refers to Maravine as the entity determining processing purposes and means.
Data We Collect
We collect personal data that is reasonably necessary to provide advisory services, comply with legal obligations, and manage client relationships. Collection is limited to relevant categories and kept proportionate to the purpose.
Data You Provide Directly
When you request a consultation or engage our services, you may provide the following categories of information to enable assessment and policy placement.
- Identity and contact details: full name, postal address, email address, and telephone number.
- Age and demographic information: date of birth and nationality, to determine eligibility for specific products.
- Health and medical background: relevant medical history and current conditions disclosed for underwriting and suitability assessment.
- Business and insurance history: existing policies, coverage amounts, premium history, and any beneficiary designations provided to assess needs.
- Supporting documentation: identification documents, medical reports and insurer forms supplied during application processing.
- Communications and preferences: correspondence with Maravine, consent choices and language preferences to tailor service delivery.
Data Collected Automatically
When you interact with fasvine.biz, we automatically collect certain technical and usage data to maintain the website and improve service delivery.
- Device and browser details such as browser type, operating system and screen resolution.
- IP address and approximate geographic location to manage security and regional compliance.
- Usage data including pages visited, time spent on pages and click patterns for analytics and UX improvement.
- Referral data indicating how you arrived at our site, such as search engine or referring website.
- Session identifiers and cookies used to maintain login state and site preferences.
- Error and performance logs to detect and remediate technical issues promptly.
Third-Party Sources
We may combine data provided directly by you with information obtained from trusted third parties to verify identity, validate coverages, or enrich our advisory analysis where lawful.
- Publicly available records and registries for identity verification and address confirmation.
- Insurers and reinsurers supplying policy status, underwriting decisions and claims history when you have authorised such requests.
- Professional referees and medical practitioners who supply medical reports with your explicit consent.
Purposes of Processing
We process personal data for defined purposes that enable delivery of insurance consulting services, regulatory compliance and legitimate business operations. Processing is limited to what is necessary for these purposes.
- To evaluate insurance needs and prepare personalised policy recommendations.
- To prepare and submit applications to insurers and to respond to underwriting queries.
- To perform client identity verification and anti-funds laundering checks as required by law.
- To communicate with clients regarding policy status, renewals, and administrative matters.
- To maintain records of client interactions and fulfil contractual obligations.
- To analyse service performance, improve our digital channels and produce aggregated anonymised insights.
- To handle complaints, disputes and to exercise or defend legal rights.
- To comply with statutory reporting, regulatory inquiries and lawful requests from competent authorities.
Legal Basis for Processing
We rely on lawful bases appropriate to the processing activity, including performance of contract, compliance with legal obligations, and legitimate interests where balanced against individual rights.
- Performance of a contract: processing necessary to deliver advisory services you have requested.
- Legal obligation: processing required to comply with Singapore statutory obligations such as anti-funds laundering rules.
- Consent: where you have explicitly authorised use of sensitive data such as medical reports for underwriting purposes.
- Legitimate interests: processing for fraud prevention, business operations and service improvement, subject to safeguards for individual rights.
Data Subject Rights and Applicable Standards
Where applicable, Maravine recognises data subject rights provided under international standards and will respond to valid requests within applicable timeframes, taking into account local law requirements.
- Right to access: you can request a copy of the personal data we hold about you.
- Right to rectification: you may request correction of inaccurate or incomplete data.
- Right to erasure: where retention is no longer justified, you may request deletion subject to legal and contractual constraints.
- Right to restriction: you may request limitations on processing in specific circumstances.
- Right to object: you can object to processing based on legitimate interests; we will assess and respond to such objections.
- Right to data portability: where technically feasible, we will provide personal data in a commonly used, machine-readable format.
Data Sharing and Disclosure
We limit disclosures of personal data to parties necessary to fulfil the purposes described. Such sharing is governed by confidentiality and contractual safeguards.
- Insurers and intermediaries for the purpose of quoting, underwriting and policy administration.
- Medical professionals and laboratories where you have consented to the provision of medical information.
- Regulatory and law enforcement authorities where disclosure is required by law or necessary for public interest.
- Third-party service providers that support our operations (IT hosting, document management, analytics) under data processing agreements.
- Professional advisers such as auditors and legal counsel when required to manage corporate obligations.
- Aggregated and anonymised data shared with partners for research and product development, without identifying individuals.
International Transfers
Personal data may be transferred to service providers or insurers located outside Singapore where necessary for service delivery. Transfers are subject to appropriate safeguards to protect personal data.
We use contractual clauses, audited processor arrangements and other lawful mechanisms to ensure an adequate level of protection for cross-border transfers.
Data Retention
Maravine retains personal data only as long as necessary to fulfil the purposes set out in this policy, comply with legal obligations, and resolve disputes or inquiries.
Client records and policy documentation will generally be retained for a period consistent with regulatory requirements and professional standards, typically at least seven years after the end of the client relationship unless a different retention period applies.
Transactional communications and emails are retained for the duration necessary to provide client service and for recordkeeping, then archived or deleted in accordance with retention schedules.
Technical logs and backup copies are retained for operational continuity and security monitoring and are purged according to our backup and archival policies.
When data is no longer required, we will securely dispose of or anonymise personal data in a manner that prevents reconstruction of the information.
Security Measures
We apply a combination of administrative, technical and physical measures to protect personal data from unauthorised access, loss, alteration or disclosure. Measures are regularly reviewed and updated to address evolving risks.
- Encryption of sensitive data in transit and at rest where technically feasible.
- Role-based access controls, multi-factor authentication and periodic access reviews for internal systems.
- Regular security assessments, patch management and incident response planning to identify and address vulnerabilities.
Your Rights
As a data subject interacting with Maravine, you have a set of rights concerning your personal data processed for insurance consulting and policy selection. These rights are described below in clear, practical terms so you can make informed decisions about how your data is accessed and managed.
- Right of access: You may request confirmation of whether we process your personal data and, where we do, request a copy of the personal data we hold about you and details of processing purposes and categories.
- Right to correction: If the personal data we hold about you is inaccurate or incomplete, you may request correction or completion so records reflect current and accurate information relevant to your insurance needs.
- Right to deletion: Where statutory requirements permit, you may request deletion of personal data that is no longer necessary for the purposes for which it was collected or processed.
- Right to restriction of processing: You may request that processing of your personal data be temporarily restricted where you contest accuracy, object to processing, or during the assessment of a deletion request.
- Right to data portability: Where processing is based on consent or performance of a contract and is carried out by automated means, you may request a portable copy of the personal data you provided to Maravine in a structured, commonly used and machine-readable format.
- Right to object: Where processing is based on legitimate interests or our direct marketing activities, you may object to that processing. We will assess objections with reference to applicable law and the legitimate interests at stake.
- Right to withdraw consent: If you have previously given consent for a specific processing activity, you may withdraw that consent at any time. Withdrawal will not affect processing completed prior to withdrawal.
- Right to lodge a complaint: If you consider our handling of your personal data unsatisfactory, you may raise a complaint with the Personal Data Protection Commission (PDPC) in Singapore or contact Maravine to seek resolution.
How to make a privacy request
To exercise any of the rights described above, submit a written request to Maravine using the contact details below. Include sufficient information to identify yourself and the nature of your request. We may ask for reasonable proof of identity to protect your personal data and the privacy of others.
Maravine seeks to handle requests promptly and will acknowledge receipt. We aim to respond substantively within 30 calendar days of receipt of a valid request. Complex requests may require additional time and we will notify you if an extension is necessary.
Marketing communications
We may send you marketing communications about insurance products, policy reviews, and relevant updates where you have consented to receive them or where local law permits. Marketing content is tailored to professional and retirement planning contexts for senior clients; it is based on the contact preferences you provide and on legitimate business interests where applicable.
You can opt out of marketing communications at any time by using the unsubscribe link included in our emails, by contacting our data protection contact point, or by calling +6583239613. Opting out will not affect administrative notices or service-related communications necessary for your ongoing engagement with Maravine.
Children and personal data
Maravine's services are designed for adults and seniors seeking insurance consulting and policy selection. We do not knowingly solicit or collect personal data from individuals under the age of 16. If we become aware that we have collected personal data from a minor without appropriate consent, we will take steps to delete that data in accordance with applicable law.
Third-party links and services
Our website and communications may contain links to third-party websites and services that operate independently from Maravine. We are not responsible for the privacy practices or content of those sites. Where we integrate third-party services (for example, insurers or payment processors), we assess their practices and enter agreements to protect personal data to the extent possible.
Changes to this privacy notice
Maravine periodically reviews and may update this privacy notice to reflect changes in regulations, business practices, or the services we offer. The most recent revision date is indicated below. Material changes will be communicated through our website or directly to affected clients where required. Last updated: 27-01-2026.
