Privacy Notice
Protecting your Privacy
Insurance is a sensible way of protecting you, your family, your business, your property and a wide range of other needs. To ensure that we provide the insurance needed by you we need information - information about you and your family, about the risks you are asking us to cover and about things that might affect that risk in the future. In collecting and using this information we are committed to protecting your privacy.
From 21st December 2001, amendments to the Commonwealth Privacy Act will affect the way in which we deal with your information. In particular the National Privacy Principles set out a code of behaviour for how we deal with your personal information. Our privacy policy is effective from 21 December and applies to all the information collected about individuals whether it is collected in a personal insurance policy or a business insurance policy.
We respect your privacy
We have created this Privacy Policy in order to demonstrate our firm commitment to protecting your privacy. This policy sets out our policies on the management of personal information and explains what sort of information we hold, the purposes for which we hold it and how we collect, store and handle that information.
Why do we collect personal information?
We collect personal information in order to meet your insurance needs. We need this information to properly assess the risk, to determine what cover we will offer you, to receive and handle any enquiries or claims relating to your policies, to manage your account and make arrangements with underwriters and brokers, to share the risk. We also need it to arrange reinsurance and to monitor your current and future insurance needs. Without this information we would not be able to carry out our business and provide insurance products and services to you.
Before we can do this, we need to know who you are and what you do, the people that will be covered by the policy and the types of activity that will be covered by the policy. Some of our products and services require us to collect sensitive information such as information about your Health, Membership of Associations or any past Criminal records or Driving Offence records you may have.
We will only collect this information if we need to and then only in accordance with the requirements of the Privacy Act. If you do not provide the personal information that we request then we may not be able to process your application for insurance or process a claim made on your policy.
From time to time we may use your personal information to provide you with news or offers about products and services available from Transcorp or its related companies that may be of interest to you. You may opt out of receiving any marketing materials that may be sent by us by contacting our Privacy Officer Mr Michael Byrne verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au.
How do we collect the personal information?
Where possible we will collect the information from you or from someone authorised to act on your behalf such as your insurance broker. When you give us personal information about other individuals, we rely on you to have obtained their consent for you to do this and for you to inform them of the types of third parties that we may provide it to and the reasons why we will do this. Obtaining their consent is particularly important if you are providing us with sensitive information about that person.
We may collect the information in writing, by telephone, through our website and by other electronic communication channels. You will provide much of the information we require in the completed application form you give to us.
We may need to ask you or others further questions to ensure we are clear about your insurance needs and to enable us to properly assess the risk. We collect this information through our staff and through our contracted agents and other service providers.
Wherever practicable, we will ask you for the information directly. However, we may need to contact other people & organisations, such as your employer, business associates, bankers, credit reference agencies and referees to collect information about you. Some products and services require us to collect information from your home loan provider and claims investigators.
Where your health or the health of others is relevant to the insurance risk, we may need to contact your doctor, other health professionals and services or the Health Insurance Commission.
Who will see or have access to your personal information?
Unless we are required to provide your personal information to others for purposes of public safety and law enforcement, your information will only be seen or used by persons working in or on behalf of Transcorp or our contracted service providers.
These people will include our own and our contracted customer service staff, sales agents, brokers and underwriters, risk assessors, claims managers, loss assessors, insurance reference bureaus, credit reference bureaus, investigators, statisticians, reinsurers and other companies we share the risk with.
The broker who arranges your insurance or lodges a claim on your behalf, consultant doctors who receive information on claims reports and reinsurer and reinsurance brokers may see additional medical information collected by us on claim reports and medical reports. Some of these people may be located in countries outside Australia.
Security of your personal information
We recognise that you are concerned about the security and confidentiality of the information we hold about you. We recognise the value of that information and we will do everything we reasonably can to prevent unauthorised access to, or disclosure, misuse or loss of that information.
Our staff who have access to your information have been briefed on the requirements of the Privacy Act and our contracted service providers have been made aware that they are required to comply with the requirements of the Privacy Act.
We use encryption and other data protection techniques whenever we store or transmit information electronically and when storing personal information in hard copy form in secure facilities. Our information systems and files are kept secured from unauthorised access and our staff and contracted agents and service providers have been informed of the importance we place on protecting your privacy and their role in helping us to do this.
Access and Accuracy of your personal information
We will take reasonable steps to ensure that the personal information we collect from or about you is accurate, complete and up to date whenever it is used, collected or disclosed. You are entitled to access your information if you wish and subject to any legal restrictions, we would be happy to advise you what personal information we hold about you if you request this. There may be some cost to you to cover the cost of retrieving and processing the information.
If you believe there are errors in our records about you, please let us know by contacting us: Verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au. or through your Broker.
We will be happy to investigate and correct any inaccuracies.
Will we send your personal information outside Australia ?
It may be necessary for us to transfer personal information we hold about you to an organisation outside Australia. We may need to do this where information on claims notification forms is required by insurers, brokers or reinsurers who are located outside Australia. We will not transfer information outside Australia without your consent unless we are satisfied, or have put arrangements in place to ensure that the information will be handled in a manner that is consistent with the requirements of the Privacy Act.
Compliance with the Federal Privacy Act
We are committed to ensuring to the best of our ability that we meet the requirements of the National Privacy Principles and the Privacy Act.
Due to the nature of our insurance services, we are not able to offer insurance to customers who wish to be anonymous or who do not provide us with sufficient information to enable us to properly assess the cover requested.
Privacy Complaints
We have adopted the General Insurance Information Privacy Code. If you believe that your privacy has been prejudiced you have a right to lodge a complaint with us. You should contact the Privacy Officer Mr Michael Byrne either verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au.
We will respond to you in writing within fifteen days of receiving your complaint. If you are not satisfied with the response, you may refer your complaint to the Privacy Officer.
Contacting Us
If you would like any further information on our Privacy Policy or if you have any concerns over the privacy protection of the information you have given to us or that we have collected from others, please contact the Privacy Officer Mr Michael Byrne either verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au.
Should you wish to read more information about the privacy legislation or the National Privacy Principles we recommend that you visit the Federal Privacy Commissioner’s website at www.privacy.gov.au
WEBSITE PRIVACY POLICY
We are Transcorp Underwriting Agency Pty Ltd (ABN 30 094 737 970), Level 8, 217 George St Brisbane, 4000. (Transcorp).
We respect and protect your privacy
Thank you for visiting the Transcorp web site and reviewing our privacy policy. We have created this Privacy Policy in order to demonstrate our firm commitment to your privacy.
The following policy sets out our web site policies for the gathering of information and our approach to the dissemination of such information.
Your access and use of this Site is conditional on your acceptance of this Privacy Policy. Your continued use of this Site indicates your consent to the collection and use by us of any personal information you provide whilst using this Site, in the manner set out below.
We reserve the right to modify this Privacy Policy at any time. If this Policy is changed, the changes will be posted on the Site and we will not separately notify you of these changes.
What personal information do we collect via the Site?
'Personal Information' means information or an opinion about an individual whose identity is apparent or can reasonably be ascertained.
We will only collect personal information about you via this Site if you voluntarily submit it to us by:
- sending us an email;
- sending us information via the 'CONTACT US' section of the Site; or
- giving us personal information when using any part of the Site.
We will ask you when we need you to provide further personal information for any reason. We will only collect information that is related to the services that you ask us to provide to you and your information will not be made available to any third party without your consent.
What will we tell you when we collect your personal information?
Whenever we collect information from you, we will do everything we can to let you know:
- how to contact us;
- why we are collecting the information;
- the organisation or types of organisations to which we usually disclose that kind of information;
- if we are required by law to collect the information; and
- the consequences for you if the information is not provided.
When reasonable and practicable to do so, we will collect personal information directly from you or someone authorised by you such as your insurance broker and not from third parties.
How do we use personal information collected from you?
We will only collect the personal information that we need to deliver and improve the services that we provide. Generally, those services relate to the underwriting of insurance policies and the handling of claims made under those policies.
We may use your email address for the purpose for which you provide it. We may also use your email address to confirm receipt of emails sent to us.
We will not use personal information about you for any other purpose, without first obtaining your consent.
Who will see or have access to your personal information?
Unless we are required to provide your personal information to others for purposes of public safety and law enforcement, your information will only be seen or used by persons working at or for Transcorp or our contracted service providers.
How do we keep your personal information secure?
We will take reasonable steps to ensure the security of any information you provide to us. Any personal information we collect is stored in a secure environment accessed only by persons working at or for Transcorp, and or contracted service providers. Our Webpage Host collects the Normal Standard access statistics. This is the internet presence which includes the visitor’s IP address from the Webserver logs and the page(s) viewed.
Any registration data is collected on a webpage form and e-mailed directly to Transcorp. None of this information is collected by our ISP.
However, the open nature of the Internet is such that information exchanged via the Internet may be accessed and used by people other than those for whom the data is intended. If you send us any information, including your email address, it is sent at your own risk, as it may not necessarily be secure against interception. We use encryption and other data protection techniques whenever we store or transmit information electronically.
Accessing and checking the personal information we hold about you
We will take reasonable steps to ensure that the personal information we collect from or about you is accurate, complete, and up to date whenever it is used, collected or disclosed. You are entitled to access your information if you wish and subject to any legal restrictions we would be happy to advise you what personal information we hold about you if you request this.
There may be some cost to you to cover the cost of retrieving and processing the information.
We rely on the accuracy of the information you provide to us. If you think that we may hold information about you that is incorrect in any way, please contact us:
Verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au.. or through your Broker.
and we will correct any errors or inaccuracies where required.
If at any time you wish to know what information we are holding about you, you are welcome to request your details:
Verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au.. or through your Broker.
When you leave this Site, you will be going to websites that are beyond our control. These other websites may collect personal information or other information of users. The Privacy Policy for this Site does not apply to any external links or other websites. We encourage you to read the privacy policies of any website you link to from this Site, especially if you share any personal information.
Contacting Us
If you have any comments or suggestions regarding our website or this Privacy Policy, please contact us:
Verbally on Phone: 07 3503 3100 or in writing at PO Box 12203 George St, Brisbane, QLD 4003, or by Fax at 07 3503 3101, or by E Mail at enquiries@transcorp.net.au. or through your Broker.
E MAIL PRIVACY POLICY
Transcorp is committed to protecting the privacy of the personal information you provide to us.
When you send us an electronic message (e-mail) the message will usually contain your return e-mail address and other information about you. This will be used by us to respond to any information you provide or any request for assistance or to carry out your instructions.
We will only disclose the personal information you have sent to us in this e-mail to our relevant staff and contractors or service providers involved in delivering our services.
Transcorp will not use the personal information contained in this e-mail or your e-mail address for any other purpose without your permission, and we will not sell or give your e-mail address to anyone else.
Please be aware that most e-mail is not necessarily secure against interception so you should only send necessary information or information necessary for us to provide you with the assistance you require.
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