Insurance Brokers Australia
At Insurance Brokers Australia, we strive to develop innovative services to better serve our users. We recognise that privacy is an important issue, so we design and operate our services with the protection of your privacy in mind. This Privacy Policy outlines the types of personal information we gather when you use Insurance Brokers Australia services, as well as some of the steps we take to safeguard it.
The following principles apply to the personally identifying information we ask for and that you provide. "Personally identifying information" is information that individually identifies you, such as your name, physical address or email address. Personal information is essentially information or an opinion about a living individual whose identity is apparent or can reasonably be ascertained from the information or opinion (e.g. a name and address).
We are bound by the Federal Privacy Act, 1988 and its National Privacy Principles (NPPs), which set out standards for the collection, use, disclosure and handling of personal information.Our Privacy Policy applies to any personal information we collect, use or disclose after 21 December 2001. It does not apply to our employee records.
How and why we collect personal information
We collect personal information either directly from the relevant individuals or indirectly from third parties. For example, a client may not only provide us with information on themselves for the purpose of obtaining our services but also on others who they represent. We may also obtain personal information from referees or references, underwriters, premium funders and other service providers, and publicly available sources etc.
The personal information we collect, is only made available to those officers of Insurance Brokers Australia or third parties as is required in order to provide our services.
Information collected may include, for example: identifying information such as Name and Contact information including telephone and facsimile numbers and email address, information relating the operation of a client's business and reference information. This information may be collected in a number of ways, for example: via telephone, in writing or via email.
We collect personal information to be able to provide our various services.
These include:
Risk management consulting, client benefits and services, other forms of insurance services, employee benefits, and advisory services.
Other purposes include: helping to develop and identify products and services that may interest clients, conducting market or customer satisfaction research, developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services.
For example, we may provide aggregated information to insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, industry bodies and groups, as well as our advisers such as lawyers and accountants.
If the required personal information is not provided, we or any involved third parties may not be able to provide appropriate services.
Personal information will not be collected unless it is required.
How we use and disclose personal information
We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent).
We have a duty to maintain the confidentiality of our clients' affairs, including personal information. Our duty of confidentiality applies except where disclosure of your personal information is with your consent or compelled by law.
We take reasonable steps to ensure that your personal information is accurate, complete, and up-to-date whenever we collect, use or disclose it. All information identified as being incorrect is updated in our database and where applicable and appropriate on our Website.
What we expect of you and third parties we deal with
When you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, the purposes we use it for, the types of third parties we disclose it to and how they can access it (as described in this document).
If you have not done this, you must tell us before you provide the relevant information.
If we give you personal information, you and your representatives must only use it for the purposes we agreed to.
Where relevant, you must meet the requirements of the National Privacy Principles set out in the Privacy Act 1988, when collecting, using, disclosing and handling personal information on our behalf.
You must also ensure that your agents, employees and contractors meet the above requirements.
Security of your personal information
We endeavour to protect any personal information that we hold from misuse and loss, and to protect it from unauthorised access, modification and disclosure.
For example, we maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain computer and network security; for example: we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems.
We take reasonable steps to ensure that your personal information is permanently removed from our database and website (where applicable) and any paper records are destroyed or de-identified as soon as possible where information is identified as no longer being required.
Transfer of information overseas
We may transfer your personal information overseas where it is necessary to provide our service. In most cases, we only do this with your consent.
Cookies
Upon your first visit to Insurance Brokers Australia, a cookie is sent to your computer that uniquely identifies your browser. A "cookie" is a small file containing a string of characters that is sent to your computer when you visit a website. We use cookies to improve the quality of our service and to better understand how people interact with us. Insurance Brokers Australia does this by storing user preferences in cookies and by tracking user trends and patterns of how people search. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Insurance Brokers Australia features or services may not function properly without cookies.
Information sharing
We do not rent or sell your personally identifying information to other companies or individuals, unless we have your consent. We may share such information in any of the following limited circumstances:
We have your consent by the act of you pressing submit to request a quote.
We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on ours and your instructions and in compliance with this Privacy Policy and appropriate confidentiality and security measures.
We conclude that we are required by law or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of Insurance Brokers Australia, its users or the public.
We may store and process personal information collected on our site in Australia or any other country in which Insurance Brokers Australia. or its agents maintain facilities. By using our services, you consent to the transfer of your information among these facilities, including those located outside your country.
In the event of a transfer of ownership of Insurance Brokers Australia , such as acquisition by or merger with another company, we will provide notice before any personally identifying information is transferred and becomes subject to a different privacy policy.
We may share aggregated information with others. Examples of this include the number of users who searched for “Insurance quotes” or how many users clicked on a particular advertisement.
Links
The sites displayed as search results or linked to by Insurance Brokers Australia services are developed by people over whom Insurance Brokers Australia exercises no control. These other sites may place their own cookies on your computer, collect data or solicit personal information.
Changes to this Policy
Please note this Privacy Policy will change from time to time. We expect most such changes to be minor, but there may be changes that are more significant. Regardless, we will post those changes on this page and, if the changes are significant, we will also provide a more prominent notice. Each version will be noted at the top of the page.
How to contact us
If you wish to gain access to your personal information, or you want us to correct or update it, or you have a complaint about a breach of your privacy, or any other query relating to our Privacy Policy, contact our Privacy Officer during business hours on:
Telephone: +61-7-5504 6888
Facsimile: +61-7-5504 6588
Or write to us at:
The General Manager
Insurance Brokers Australia
PO Box 5695
Gold Coast Mail Centre, Bundall, 9726
Australia
No fee will be charged by Insurance Brokers Australia for an access request. However, we may charge the reasonable cost of complying with the access request.
We will respond to your query or complaint as soon as possible and will try to resolve any complaint within 14 working days. If this is not possible, we will contact you within that time to let you know how long we estimate that it will take to resolve your complaint. Any unresolved complaints should be referred to the Privacy Commissioner.
For further information on Privacy visit the Federal Privacy Commissioner's Website at: http://www.privacy.gov.au/act
