1. Protecting your privacy
We are committed to protecting your privacy and the privacy of any personal information provided to us. We comply with the Australian Privacy Principles set out in the Privacy Act 1988.
2. Open and Transparent Policies
3. Anonymity and Pseudonymity
We accept your right to remain anonymous or to use a pseudonym, however, given the nature of what we do, we may not be able to provide you with some or all of our services if you do not disclose your personal details to us.
4. What personal information will we collect and why we need it?
We may need to collect personal information from you (including your name, address, financial details and health information) so that we can provide you with the products and services you are seeking from us. We may use your personal information to administer and manage those products and services. We may also use it for our internal statistical and research purposes.
5. How do we collect the personal information?
(a) Information is primarily collected through this Website and App, but also director from you in personal meetings or communications. Information may be collected in writing, by telephone and by other electronic communication channels.
(b) When you give us personal information about other individuals, we rely on you to have made or make them aware that you will or may provide their information to us and the types of third parties we may provide it to, the relevant purposes we,
the insurers and the third parties will use it for, and how they can access it. If it is
sensitive information we rely on you to have obtained their consent on these
matters. If you have not done or will not do either of these things, you must tell us
before you provide the relevant information.
(c) If you provide us with personal information or make an application for insurance to us, we will consider you have accepted the terms and conditions of this Privacy Statement unless you tell us in writing otherwise. You can also withdraw your consent at any time by advising us in writing, however withdrawal of consent may result in our services not being made available to you or you claims being denied.
6. Who will see or have access to your personal information?
Unless we are required to provide your personal information to others by law or by court order or are requested to administer products or services your information will only be seen or used by persons working with us.
7. Security of Information
Our information systems and files are kept secured from unauthorised access and our staff, contracted agents and service providers have been informed of the importance we place on protecting your privacy and their role in helping us to do so. Information will be stored and disposed of in a secure environment, which may only be accessed by authorised personnel.
8. What if I want to check what personal information you hold about me?
We are happy to advise you what personal information we hold about you and share this information with you. This will be the case unless there is a relevant exception under the Privacy Act 1998 that applies.
9. Can I correct the information?
If you believe there are errors in our records about you, please let us know and we will be happy to investigate and correct any inaccuracies.
11. Direct Marketing
Apart from notifying you of our service offerings, we do not, without your consent, sell, rent, license or otherwise disclose your information to any party for the purposes of direct marketing.
12. Cross Border Storage
In order for us to provide our services to you, we may share personal information with third parties and we may also store your information on servers that are not in Australia. We will ensure that any party with whom we share your personal information overseas will be required to comply with the Privacy Act 1988.