WHAT INFORMATION DO WE COLLECT AND HOW DO WE USE IT?
When we provide general insurance products, we ask you for the information we need to understand your risk. This can include a broad range of information ranging from your name, address, contact details and age to other information about your personal affairs including information about your assets, address, age, health and wellbeing.
We provide the information that you provide to insurers who act on their behalf to enable them to decide whether to offer you insurance and if so, on what terms.
We also use your information to enable us to manage your ongoing requirements and our relationship with you, e.g. invoicing, client surveys and financial reporting. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
From time to time we will use your contact details to send you offers, updates, events, articles, newsletters or other information about products and services that we believe will be of interest to you. We may also send you regular updates by email or by post. We will always give you the option of electing not to receive these communications and you can unsubscribe at any time by notifying us that you wish to do so.
We may also use your information internally to help us improve our services and help resolve any problems.
WHAT IF YOU DON’T PROVIDE SOME INFORMATION TO US?
If you do not provide us with some or all of the information that we ask for, we may not be able to advise or assist you to obtain insurance.
HOW DO WE HOLD AND PROTECT YOUR INFORMATION?
We strive to maintain the relevance, reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We hold the information we collect from you in our secure client management system. In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers in Australia who are also regulated by the Privacy Act.
We ensure that your information is safe by maintaining a secure computer network with firewall infrastracture and encrypted password protection which control access to our systems. We maintain physical security over our paper and electronic data and premises, by using locks and security systems.
WILL WE DISCLOSE THE INFORMATION WE COLLECT TO ANYONE?
We do not sell, trade, or rent your personal information to others or disclose it to overseas recipients. We may disclose your information to recipients in the United Kingdom for the purpose of advising insurers who we act on behalf of who are based in that region. If a recipient is not regulated by laws which protect your information in a way that is similar to the Privacy Act, we will seek your consent before disclosing your information to them.
We will disclose your information to claims assessors, insurers, professional legal advisers and may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf, external data storage providers, or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will take all reasonable steps to ensure that they protect your information in the same way that we do.
We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
HOW CAN YOU CHECK, UPDATE OR CHANGE THE INFORMATION WE ARE HOLDING?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.
If you wish to access or correct your personal information please write to our Privacy Officer at firstname.lastname@example.org.
We do not charge for receiving a request for access to personal information or for complying with a correction request. We do not charge for providing access to personal information.
In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal.
WHAT HAPPENS IF YOU WANT TO COMPLAIN?
Your complaint will be considered by us through our internal complaints resolution process and we will try to respond with a decision within 45 days of you making the complaint.
By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
TELL US WHAT YOU THINK
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact our Privacy Officer at email@example.com.
When we provide general insurance products over the web, we ask you for the information we need to understand your risk. This can include a broad range of information ranging from your name, address, contact details and age to other information about your personal affairs including information about your assets, address, age, health and wellbeing.
We submit the information that you provide to our automated rating engines to enable them to decide whether to offer you insurance and if so, on what terms.
We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.
In order to collect this anonymous data we may use “cookies”. Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. If you use only temporary cookies, once you leave the site, the cookie is destroyed and no personal or other information about you is stored. If you use permanent cookies, they allow the website to recognise your computer when you return in the future.
CREDIT CARD INFORMATION
We collect financial information via an SSL encrypted security platform. We comply with the Payment Card Industry Data Security Standard (PCIS DSS) as card numbers are not stored in our own system. When you submit your credit card details we store them as part of a customer record in the NAB Transact secure database. These stored details can be used for Triggered Payments where the Customer Reference Number is used as a token within the transaction request message instead of the card number. This provides an added level of security and ensures compliance with the Payment Card Industry Data Security Standard (PCI DSS) as card numbers will not be stored in our own systems.