Privacy is important to us which is why we’ve put together this statement. It explains how we collect, hold, use, and disclose your personal information and who we share it with. Because it’s guided by privacy laws, we take your rights seriously.
This describes our current policies and practices in relation to the handling and use of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.
What is personal information?
The Privacy Act defines personal information to mean: Information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not.
What is sensitive information?
Sensitive information includes criminal records, trade association and union memberships, details about an individual’s race, ethnicity, politics, religious or philosophical beliefs, sexual preferences and health information. We will only collect sensitive information with your consent, and this will only be used and disclosed for the purpose for which it was collected. For example, providing information to an insurer for a quote.
Website information and content.
The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site.
To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title, and non-infringement.
We believe the content of this site to be accurate, complete and current, however, there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors.
We reserve the right to modify the content of this site from time to time.
To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title, and non-infringement.
We believe the content of this site to be accurate, complete and current, however, there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors.
We reserve the right to modify the content of this site from time to time.
What information do we collect and how do we use it?
When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg loss adjusters, etc) to enable it to consider your claim. This information may also be passed on to reinsurers.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg loss adjusters, etc) to enable it to consider your claim. This information may also be passed on to reinsurers.
Anonymous data
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.
Cookies
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. Once you leave the site, the cookie is destroyed and no personal or other information about you is stored.
Our Website
This allows both visitors and clients to submit information on our Contact Us form and via our Portal service.
Should you have concerns about the confidentiality of information submitted through these channels, please inform us and we can make them accessible in other ways.
Information collected via on-line forms can also be submitted to us via EMAIL (not encrypted) and is also stored on a database which is accessible by our staff only (password protected).
We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, e.g. renewals, and our relationship with you, e.g. invoicing, claims reporting, etc.
We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information or do not wish to receive it electronically, email or write to us.
We may use your information internally to help us improve our services and help resolve any problems.
Should you have concerns about the confidentiality of information submitted through these channels, please inform us and we can make them accessible in other ways.
Information collected via on-line forms can also be submitted to us via EMAIL (not encrypted) and is also stored on a database which is accessible by our staff only (password protected).
We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, e.g. renewals, and our relationship with you, e.g. invoicing, claims reporting, etc.
We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information or do not wish to receive it electronically, email or write to us.
We may use your information internally to help us improve our services and help resolve any problems.
Why do we collect personal information?
We collect personal information so that we can:
- identify you and conduct appropriate checks.
- understand your requirements and provide you with a product or service.
- set up, administer, and manage your products with the relevant insurers or underwriters
- provide you with financial product advice.
- assist you with lodging a claim with an insurer.
- manage, train, and develop our employees and representatives.
- manage complaints and disputes, and report to dispute resolution bodies; and
- get a better understanding of you, your needs, your behaviours and how you interact with us, so we can engage in product and service research, development and business strategy including managing the delivery of our services via the ways we communicate with you.
How do we manage the security of your personal information?
We store most information about you in computer systems and databases operated by either us or our external service providers. Some information about you is recorded in paper files that we store securely. We implement and maintain processes and security measures to protect personal information which we hold from misuse, interference or loss, and from unauthorised access, modification or disclosure.
These processes and systems include:
We will also take reasonable steps to destroy or de-identify personal information once we no longer require it for the purposes for which it was collected or any secondary purpose permitted under the APP’s.
These processes and systems include:
- maintaining computer and network security by the use of firewalls, anti-virus & anti-spam (security measures for the internet);
- the use of other security systems such as user identifiers and passwords to control access to computer systems;
- requiring all employees to comply with internal information security policies and keep information secure.
We will also take reasonable steps to destroy or de-identify personal information once we no longer require it for the purposes for which it was collected or any secondary purpose permitted under the APP’s.
Overseas disclosure
Sometimes, we need to provide your personal information to – or get personal information about you from – persons located overseas, for the same purposes as in ‘Why do we collect personal information?’
From time to time, we may need to disclose your personal information to, and collect your personal information from, other countries for example, if we seek insurance terms from an overseas insurer (e.g., Lloyd’s of London), your personal information may be disclosed to the insurer. If this is likely to happen, we inform you of where the insurer is located, if it is possible to do so. Nevertheless, we will always disclose and collect your personal information in accordance with privacy laws.
What if you don’t provide some information to us?
We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.
How we handle your personal information
We collect your personal information directly from you and, in some cases, from other people or organisations. Under various laws, we will be (or may be) authorised or required to collect your personal information. These laws include the Corporations Act 2001 and the Australian Securities and Investments Commission Act 2001 as those laws are amended and includes any associated regulations.
We will use and disclose your personal information for the purposes we collected it as well as purposes that are related, where you would reasonably expect us to. We may disclose your personal information to and/or collect your personal information from:
We will use a variety of methods to collect your personal information from, and disclose your personal information to, these persons and organisations, including written forms, telephone calls and via electronic delivery. We may collect and disclose your personal information to these persons and organisations during the information life cycle, regularly, or on an ad hoc basis, depending on the purpose of collection.
We will use and disclose your personal information for the purposes we collected it as well as purposes that are related, where you would reasonably expect us to. We may disclose your personal information to and/or collect your personal information from:
- insurers, or other insurance intermediaries we place your business with
- your adviser, agent or other person acting on your behalf.
- customer, product, business or strategic research and development organisations.
- data warehouse, strategic learning organisations, data partners, analytic consultants.
- social media and other virtual communities and networks where people create, share or exchange information.
- publicly available sources of information.
- a third party that we have contracted to provide financial services, financial products, or administrative services – for example:
- information technology providers,
- auditors and business management consultants and other marketing service providers.
- claims management service providers
- print/mail/digital service providers, and
- imaging and document management services
- accounting or finance professionals and advisers.
- government, statutory or regulatory bodies and enforcement bodies.
- policy or product holders or others who are authorised or noted on the policy as having a legal interest, including where you are an insured person but not the policy or product holder
- the Australian Financial Complaints Authority (AFCA) and or any other external dispute resolution body.
- insurance investigators and claims or insurance reference services, loss assessors, financiers.
- legal and any other professional advisers or consultants.
- debt collection agencies, your guarantors, organisations involved in valuing, surveying, or registering a security property, or which otherwise have an interest in such property, purchasers of debt portfolios; and
- any other organisation or person, where you have asked them to provide your personal information to us or asked us to obtain personal information from them.
We will use a variety of methods to collect your personal information from, and disclose your personal information to, these persons and organisations, including written forms, telephone calls and via electronic delivery. We may collect and disclose your personal information to these persons and organisations during the information life cycle, regularly, or on an ad hoc basis, depending on the purpose of collection.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to contractors who supply services to us, e.g. to companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best 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.
We may need to provide your information to contractors who supply services to us, e.g. to companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best 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.
Transfer of personal information overseas
Some of the third party services providers to whom we disclose personal information are located in countries outside of Australia. We would only transfer your information to those countries which have Privacy legislation of the same or stronger than the law in Australia. You acknowledge that by consenting to the disclosure of your personal information to these entities outside of Australia we will no longer be required to take reasonable steps to ensure that the overseas recipient does not breach the applicable privacy principles of the Privacy Act 1988 as applicable in relation to your personal information. On this basis, you consent to such overseas disclosure by accepting this privacy policy.
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.
If you wish to access or correct your personal information please write to our Privacy Officer
Lonsford Insurance Brokers Pty Ltd.
ph: 03 9844 4444
Email : insure@cyberpartnerprotect.com
In writing to: 1016 Doncaster Rd, DONCASTER EAST, VIC, 3109 .
We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time then a charge will need to be confirmed for responding to the request for the information.
If you wish to access or correct your personal information please write to our Privacy Officer
Lonsford Insurance Brokers Pty Ltd.
ph: 03 9844 4444
Email : insure@cyberpartnerprotect.com
In writing to: 1016 Doncaster Rd, DONCASTER EAST, VIC, 3109 .
We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time then a charge will need to be confirmed for responding to the request for the information.
How to access and correct your personal information or make a complaint?
You have the right to access and correct your personal information held by us. If you wish to gain access to your personal information, want us to correct or update it please refer to the “Contact Us” details below.
If you have a complaint about a breach of your privacy or any other query relating to our privacy policy, please visit our “lodge a complaint” page.
We will consider your complaint and determine whether it requires further investigation. We will notify you of the outcome of this investigation and any subsequent internal investigation. If you remain unsatisfied with the way in which we have handled a privacy issue, you may approach in independent advisor or contact the Office of the Australian Information Commissioner (OAIC) for guidance on alternative course of action which may be available.
If you have a complaint about a breach of your privacy or any other query relating to our privacy policy, please visit our “lodge a complaint” page.
We will consider your complaint and determine whether it requires further investigation. We will notify you of the outcome of this investigation and any subsequent internal investigation. If you remain unsatisfied with the way in which we have handled a privacy issue, you may approach in independent advisor or contact the Office of the Australian Information Commissioner (OAIC) for guidance on alternative course of action which may be available.