At FWD, protecting the personal and company data is our utmost priority. We collect all data lawfully and fairly and only use it as agreed by you. The following is Personal Data Protection Principle to reassure you that we treat all personal information with the highest respect and discretion.

By accessing this website and any pages, you are agreeing to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, please do not access this website, or any pages thereof.

Data Protection Principle

FWD Life Insurance Public Company Limited (hereinafter referred to as “FWD") is committed to comply with FWD Data Protection Principle (“The Principle”).

The Principle applies to all products and services provided by FWD and sets out how FWD may collect, use and disclose your personal information.

Personal Information Collection Statement

  1. From time to time, it is necessary for you to supply FWD with personal information and particulars in connection with the provision, continuation and administration of insurance or other inquiry services and products by FWD. Failure to provide the necessary information and particulars may result in FWD being unable to provide or continue to provide these services and products to you.

  2. FWD may also generate and compile information about you. Personal information and particulars provided by you and all information generated and compiled by FWD about you from time to time is collectively referred to as "Your Personal Data".

  3. The purposes for which Your Personal Data may be used are as follows:
    1. offering and providing services and products to you, and administering, implementing, maintaining, managing and operating such services and products which may include, without limitation, insurance, financial and products;
    2. processing, assessing and determining any applications or requests made by you in connection with FWD's services or products, issuing or arranging insurance contracts and maintaining your account with FWD;
    3. designing insurance and other financial products for customers;
    4. marketing services and products to you (please see further details in paragraphs 5 to 8 below);
    5. operating, maintaining and providing subsequent services in relation to the applications for services and/or products;
    6. creating and maintaining the credit and risk related models of FWD;
    7. processing and implementing payment instructions;
    8. determining any amount of indebtedness owing to or from you, and collecting and recovering any amount owing from you or any person who has provided any security or undertaking for your liabilities;
    9. exercising any rights that FWD may have in connection with the services and/or products provided to you;
    10. verifying and conducting any eligibility, credit, physical, medical, security, underwriting and/or identity checks in connection with provision of services or products;
    11. any purposes in connection with any claims made by or against or otherwise involving you in respect of any services and/or products provided by FWD, including, without limitation, making, defending, analysing, investigating, processing, assessing, determining, responding to, resolving or settling such claims;
    12. performing policy review and needs analysis (whether or not on a regular basis);
    13. meeting disclosure obligations or requirements imposed by or for the purposes of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Thailand) binding on FWD or any of its subsidiaries, holding companies, partner, associated or affiliated companies of, or companies controlled by, or under common control with FWD (collectively, "FWD") including, without limitation, making disclosure to any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers;
    14. meeting any present or future contractual or other commitment with any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers in Thailand or any other jurisdictions that is assumed by or imposed on FWD or any member by reason of its financial, commercial, business or other interests or activities in or related to the relevant jurisdiction;
    15. complying with any obligations, requirements, policies, procedures, measures or arrangement for sharing data and information within FWD and/or other use of data and information in accordance with any FWD programmes from time to time for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; and
    16. fulfilling any other purposes directly related to (i) to (xv) above.
  4. To facilitate the purposes set out in paragraph 3 above, FWD may transfer, disclose, grant access to or share Your Personal Data with the following parties (whether within or outside Thailand) and Your Personal Data may be transferred outside Thailand:
    1. members of the FWD;
    2. any person or company which is acting for or on behalf of FWD, or jointly with FWD, in respect of a purpose or a directly related purpose for which Your Personal Data was provided;
    3. any person or company which is under a duty of confidentiality to FWD and has undertaken to keep such information confidential, provided that such person or company has a legitimate right to access such information (e.g. professional advisors of FWD);
    4. any person or company carrying on insurance-related and/or reinsurance-related business which is engaged by FWD in connection with FWD's business;
    5. any physicians, hospitals, clinics, medical practitioners, laboratories, technicians, loss adjustors, risk intelligence providers, claim investigation companies, administrators or other professional advisors which are engaged by FWD in connection with FWD's business;
    6. any business partners of FWD ("Our Partners");
    7. any agents, contractors or service providers which provide administrative, credit reference, debt collection, telecommunications, computer, payment, printing, redemption or other services in relation to the operation of businesses of FWD; and/or
    8. any person or company to whom FWD is under an obligation or otherwise required or expected to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Thailand) including, without limitation, any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers.
  5. FWD is allowed to (i) use Your Personal Data in direct marketing only if you consent or do not object, or (ii) provide Your Personal Data to another person or company for its use in direct marketing only if you consent or do not object in writing.

  6. In connection with direct marketing, FWD intends:
    1. to use your name, contact details, services and products portfolio information, financial background and demographic data held by FWD from time to time in direct marketing;
    2. to market the following classes of services and products offered by FWD, other members of FWD and/or Our Partners from time to time:
      1. insurance services and products;
      2. financial services and products;
      3. reward, loyalty or privileges programmes and related services and products; and
      4. donations and contributions for charitable and/or non-profit making purposes.
    3. to provide Your Personal Data described in paragraph 6(i) above to any members of the FWD and/or Our Partners for their use in direct marketing the classes of services and products described in paragraph 6(ii) above.
  7. If you do NOT wish FWD to use Your Personal Data in direct marketing or provide Your Personal Data to other persons or companies for their use in direct marketing, you may write to FWD at the address below to opt out from direct marketing at any time.

  8. Under the Principle:
    1. you have the right to request correction of any of Your Personal Data which is incorrect; and
    2. FWD has the right to charge you a reasonable fee for processing and complying with your request.

Accuracy of Personal Information

FWD will ensure the accuracy of all personal data collected and processed by FWD. Appropriate procedures are implemented so that all personal data is regularly checked and updated to ensure that it is reasonably accurate having regard to the purposes for which that data is used. In so far as personal data held by FWD consists of statements of opinion, all reasonably practicable steps are taken to ensure that any facts cited in support of such statements of opinion are correct.

FWD will at all times endeavor to ensure the accuracy of personal data held by FWD, and if such personal data is transferred to third parties, it will notify that third party of any correction to be made.

Retention of Personal Information

No personal data is kept for longer than is necessary and that FWD will comply with all statutory and regulatory requirements in the Thailand concerning the retention of personally identifiable information.

Data Security

FWD will ensure an appropriate level of protection for personal data in order to prevent unauthorized access, processing or other use of that data, commensurate with the sensitivity of the data and the harm that would be caused by unauthorized access to that data. It is the practice of FWD to achieve appropriate levels of security by restricting physical access to data, providing secure storage facilities and incorporating security measures into equipment in which data is held. Measures are taken to ensure the integrity, prudence, and competence of persons having access to personal data and personal data is only transmitted by secure means.

Data Security

FWD’s website may include hyperlinks to third party websites. FWD has no control over the content, accuracy, opinion expressed, and other links provided at these third party websites or how these third party websites deal with your personal data. You should visit these third party websites for details of their privacy policies in relation to their handling of your personal data.

FWD may use "cookies" to improve our internet service to you. Cookies are small data files that are automatically stored on your web browser in your computer that can be retrieved by FWD’s website. Cookies enable FWD’s website to remember you and your preferences when you visit the website and enable us to tailor the website to your needs. The information collected by cookies is anonymous visitor’s personalized settings information and contains no name or address information or any information that will enable anyone to contact you via telephone, e-mail or any other means. No customer personal data is stored in cookies. However, you can disable cookies by changing the settings of your web browser.

Data Security

In case of discrepancies between the English and Thai version, the English version shall apply and prevail.

Further enquiries regarding FWD Data Protection Principle may be directed to:
FWD CALL Center 0 2632 6000
FWD Life Insurance Public Company Limited
14, 16, 27, 28, 29th floor Sindhorn Building, Tower III,
130-132 Wireless Rd. Lumpini, Pathumwan, Bangkok 10330, Thailand