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| Insurance Broking | Privacy policy |
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We are covered by the Federal Privacy Act and its National Privacy
Principles (NPPs), which set out standards for the collection, use,
disclosure and handling of personal information.
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).
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, an insured may not only provide us with information on
themselves for the purpose of obtaining our services but also on other
insured's who they represent. We may also obtain personal information
from past insurers, witnesses to claims, health care workers and
publicly available sources etc. We collect personal information to be
able to provide our various services.
These may include,
insurance broking, claims management, risk management consulting, other
forms of insurance services (including underwriting and reinsurance),
employee benefits, superannuation and investment advisory services.
We
also use it to help to develop and identify products and services that
may interest clients, develop, establish and administer alliances and
other arrangements with other organisations in relation to the
promotion, administration and use of our respective products and
services. For more information on our services please contact us.
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 usually disclose personal information to
third parties who assist us or are involved in the provision of our
services. For example, in arranging and managing your insurance needs
we may provide information to insurers, reinsurers, other insurance
intermediaries, our advisers such as loss adjusters, lawyers and
accountants, and others involved in the claims handling process. We
also provide it to purchasers of our business and related companies.
We
take reasonable steps to ensure that your personal information is
accurate, complete, and up-to-date whenever we collect or use or
disclose it.
If the required personal information is not
provided, we or any involved third parties may not be able to provide
appropriate services.
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 it is sensitive information we rely on you to have
obtained their consent to the above. If you have not done either of
these things, 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.
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.
Transfer of information overseas
We
may transfer your personal information overseas where it is necessary
to provide our service. For example, we sometimes use the internet to
collect and process information. In addition, some insurers or
reinsurers are based overseas and we need to provide your personal
information to them to arrange your cover. In most cases, we only do
this with your consent.
Opting out
If
we send you any information about services or products, or you do not
want us to disclose your personal information to any other organisation
(including related bodies corporate) you can opt out by contacting us.
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 on 08 6210 8888.
We will respond to your query or
complaint as soon as possible and will try to resolve any complaint
within 10 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.
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