Privacy Policy

Personal Information

We may collect various forms of personal information from you, which may include:

• Your name
• Your contact information, including email address, mailing address, street address, and/or phone number
• Your marital status and/or anniversary
• Your age and/or date of birth
• Your credit card details
• Your demographic data, such as postcode
• Your opinions and/or preferences
• Information you provide us through customer surveys
• Details of products and services you have inquired about or that we have provided you, and our responses to you
• Data on your browser session, geo-location, device and network information, statistics on page views and sessions, acquisition sources, search queries, and/or browsing behaviour
• Information about your access and use of our site, which includes Internet cookies, your communication with our site, the type of browser and operating system you use, and your Internet service provider’s domain name
• Additional personal information that you provide to us, either directly or indirectly, via our site, related applications, associated social media platforms, and/or accounts from which we are authorized to collect data
• Any other personal information you or a third party provide upon our request.

We may collect this personal information directly from you or from third parties.

Collection and Use of Personal Information

We reserve the right to disclose personal information to the following parties:

• Third-party service providers who need the information to provide their services. These providers include IT service providers, data storage companies, web hosting and server providers, debt collectors, maintenance or problem-solving providers, marketing or advertising providers, professional advisors, and payment systems operators.
• Our employees, contractors, and/or related entities.
• Existing or potential agents or business partners.
• Sponsors or promoters of any competition we run.
• Anyone who may (in good faith) acquire our business or assets (or any part of them).
• Credit reporting agencies, courts, tribunals, and regulatory authorities if you fail to pay for goods or services we provided to you.
• Courts, tribunals, regulatory authorities, and law enforcement officers as required by law, in connection with any actual or prospective legal proceedings or in order to establish, exercise, or defend our legal rights.
• Third parties, including agents or sub-contractors, who assist us in providing information, products, services, or direct marketing to you. This may include third parties to collect and process data, such as Google Analytics or other relevant businesses. This may include parties that store data outside of Australia.

By providing us with personal information, you consent to the disclosure of your personal information to third parties residing outside Australia. Please note that we are not required to ensure those third parties comply with Australian privacy laws.

Disclosure of Personal Information to Third Parties

We may share your personal information with the following:

• Third-party service providers who help us deliver our services, including IT providers, data storage providers, web-hosting and server providers, debt collectors, maintenance and problem-solving providers, marketing or advertising providers, professional advisors, and payment systems operators;
• Our employees, contractors, and related entities;
• Our current or potential agents or business partners;
• Sponsors or promoters of any competition we run;
• Anyone to whom our business or assets (or any part of them) may be transferred or sold in good faith;
• Credit reporting agencies, courts, tribunals, and regulatory authorities if you fail to pay for goods or services we have provided to you;
• Courts, tribunals, regulatory authorities, and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings or in order to establish, exercise, or defend our legal rights; and
• Third parties, including agents or sub-contractors, help us provide you with information, products, services, or direct marketing. This may include third parties who collect and process data, such as Google Analytics or other relevant businesses. It may also include parties that store data outside of Australia.

By providing us with your personal information, you consent to us sharing your personal information with third parties who reside outside Australia. You acknowledge that we are not required to ensure that those third parties comply with Australian privacy laws.

How we Treat Personal Information that is also Sensitive Information

Sensitive information is a category of personal information that requires a higher level of protection under the Australian Privacy Principles. It includes information about your racial or ethnic origin, political opinions, religion, trade union or other professional associations or memberships, philosophical beliefs, sexual orientation or practices, criminal records, health information, or biometric information.

Your Rights and Controlling Your Personal Information

Consent and choice: Kindly review this Privacy Policy thoroughly. By providing your personal information to us, you give consent to us collecting, holding, using, and disclosing your personal information in accordance with this Privacy Policy. Please note that you are not obligated to provide personal information to us. However, failure to do so may affect your use of this Site or the products and/or services offered on or through it.

Information from third parties: If we receive personal information about you from a third party, we will protect it as outlined in this Privacy Policy. If you are a third party providing personal information about someone else, you affirm that you have that individual’s consent to provide us with their personal information.

Restrictions: You have the option to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may revoke your consent at any time by contacting us using the details below.

Access: You may request information regarding the personal information we hold about you. We may charge an administrative fee for providing such information. We may refuse to provide you with personal information that we hold about you in specific circumstances, as set out in the Privacy Act 1988 (Cth).

Correction: If you believe that any information we have about you is inaccurate, incomplete, out of date, irrelevant, or misleading, please contact us using the details below. We will take appropriate measures to correct any inaccurate, incomplete, misleading, or out-of-date information.

Complaints: If you believe that we have breached the Australian Privacy Principles and want to file a complaint, please contact us using the details below and provide us with all the necessary details of the alleged breach. We will investigate your complaint immediately and respond to you in writing, outlining the findings of our investigation and the steps we will take to address your complaint.

Unsubscribe: To unsubscribe from our e-mail database or opt out of communications, including marketing communications, please contact us using the details below or use the opt-out options provided in the communication.

Who is the Insurer?

TBC

Storage and Security

We prioritize the security of the personal information we gather and have implemented appropriate physical, electronic, and managerial measures to protect it against unauthorized access, modification, misuse, interference, loss, and disclosure. However, we cannot assure you that any information transmitted to us over the Internet will be entirely secure, and the transmission and exchange of data is at your own risk. While we take steps to prevent unauthorized disclosure, we cannot guarantee that your personal information will not be exposed in a manner that contravenes this Privacy Policy.

Cookies and Web Beacons

Occasionally, we may utilize cookies on our Site. These text files are placed within your browser by the website and store your preferences. Cookies do not inherently reveal your email address or any other personally identifiable information. However, they do permit third-party platforms, such as Google and Facebook, to show our ads on your social media and online media feeds as part of our retargeting initiatives. If you opt to give our Site your personal information, it may be connected to the data held within the cookie.

From time to time, we may also employ web beacons (also known as Clear GIFs) on our Site. These are small bits of code embedded on a webpage to track visitor behaviour and collect data about how visitors engage with the page. For instance, web beacons may be used to tally the number of people who visit a webpage or to send a cookie to the browser of a person viewing that page.

Links to Other Websites

Our Site may provide links to external websites. However, we do not have control over these websites and are not responsible for the protection and privacy of any personal information you provide while visiting them. Please note that these websites are not subject to our Privacy Policy.

Amendments

We reserve the right to modify this Privacy Policy at our discretion and at any time. Any changes made to this policy will be published on our Site. It is advisable to check our Site frequently to remain updated with our current Privacy Policy.

If you have any questions or concerns, use the contact form on our contact page.