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IRM Insurance Broking Group Pty Ltd is committed to protecting your
privacy and wants to provide the best possible service across our
wide range of insurance and financial products and services. To achieve
this, we need to make the most efficient use of your personal information.
We use the information your provide to advise about and assist with
your insurance needs. However, it is equally important to us that
you are confident that your personal information entrusted to us is
treated with the appropriate degree of privacy. We only provide your
information to the insurance companies with whom you choose to deal
(and their representatives). We do not trade, rent or sell your information.
What
does "Personal Information" mean?
Personal information is any information about you that identifies
you by which your identity can be reasonably determined.
Why
we collect your Personal Information
Collecting your information is essential to be able to conduct the
business of providing insurance and financial products and services
to you. If we do not collect and make use of your personal information,
we are unable to do business with you.
How
we collect your Personal Information
Where possible, we collect your personal information from you. Collection
may take place in a number of ways such as completing an application
or proposal, or requesting information over the telephone.
Sometimes
personal information may be collected from other sources. This may
be:
Your
employer when establishing or administering a superannuation fund.
Insurance investigation or reference in assessing a claim or applying
for a policy. A medical practitioner assessing a claim for or determining
eligibility for life insurance.
In most cases we will require you to consent to any collection, use
of disclosure of your personal information. Your consent will usually
be in writing, but we may accept your verbal consent in certain circumstances.
However, no matter how your personal information is collected, it
is dealt with by us in accordance with this Privacy Policy.
Do
we disclose your Personal Information to anyone?
We may disclose your personal information in certain circumstances.
Sometimes we are required or authorised by law to use your personal
information. We may disclose your information to a court in response
to a subpoena or to the Australian Taxation Office, following a direction
issued under taxation law. We may also disclose your personal information
where you have consented to us doing so.
Ensuring
your information is up to date
It is important that the personal information we collect from you
is accurate, complete and up-to-date. During the course of our relationship
with you we will ask you to tell us of any changes to your personal
information. You can contact us at any time to update your personal
information, or to tell us your personal information is inaccurate
or incomplete.
Is
my Personal Information secure
The protection of your information is a priority for us. We take
all reasonable precautions to safeguard your personal information
from misuse, unauthorised access, modification or disclosure. When
we no longer require your Personal information, we securely destroy
the information from our systems.
Can
I access my Persoanl Information?
You may request access to the information we hold about you. We may
be required by law to retain your personal information for a period
of time after you have ceased your relationship with us. After the
required time we attend to the secure destruction of your personal
information.
What
is a Commonwealth Identifier?
These can be Tax File Numbers (TFN's) or a Medicare Number. We do
not use Commonwealth identifiers as a means of identifying you.
Do
I have to be identified at all?
Generally it is not possible for us to do business with you unless
we have identified you and in some cases the law required that you
identified yourself to us.
Does
my Personal Information leave Australia?
We do not send personal information outside Australia unless it is
authorised by law.
Sensitive
Information
Sensitive information can be:
Racial
or ethnic origin
Membership to a professional or trade association
Sexual Preferences or practices
Criminal Record
Health
We only collect, use or disclose sensitive information about you
as is allowed by law, for example where it is required or necessary
for the establishment of a policy or Claim.
Our
Privacy Policy may change from time to time
We constantly review our policies and procedures to keep up to date
with changes in law, technology and the market place. As a result
we may change this policy from time to time. This Privacy Policy
was last amended on December 21, 2001.
Request
for Access
You can request access to your personal information by contacting
our office.
Can
I complain about a breach of my Policy?
You may lodge a concern or complaint with us by contacting our office.
What
if I am not happy with ACE IRM's response?
If you are not satisfied with the outcome of your complaint to us,
you can contact the Federal Privacy Commissioner,
Telephone:
1300 363 992
In Writing: Director of Complaints Office of the Federal Privacy
Commissioner
GPO Box 5218
Sydney, NSW 1042
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