Privacy Policy (Website)
Introduction
NeedCover Pty Ltd and its Authorised Representatives (“we”, “us”, “our”) are committed to protecting the privacy of personal information provided to us by our clients and other individuals.
This Privacy Policy explains how we collect, use, disclose and manage personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs)
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable.
This Privacy Policy also explains how personal information may be collected through our website and other digital services.
We may collect personal information that is reasonably necessary to provide insurance broking services.
This may include:
- Name, address and contact details
- Date of birth
- Occupation and employment information
- Financial or business information
- Insurance policy and claims history
- Risk management information relevant to insurance arrangements
In some circumstances we may also collect sensitive information, such as health or criminal history, where this is necessary for insurance underwriting or claims handling and where consent is provided.
How We Collect Personal Information
We may collect personal information:
- Directly from you
- From insurance proposal forms and applications
- Through communications such as email, telephone or meetings
- From insurers, underwriters, claims managers and other insurance service providers
- From publicly available sources or third parties where authorised
Where personal information is collected through our website, this may occur when you:
- Submit an enquiry or contact form
- Subscribe to communications or newsletters
- Request a quotation or service
- Interact with our website or online services
Website Data Collection
When you visit our website, certain information may be automatically collected through standard internet technologies.
This may include:
- Internet protocol (IP) address
- Browser type and device information
- Pages visited and time spent on the website
- Referring websites or links
- Website usage and interaction data
This information is generally used for website administration, analytics and improving our online services.
Where this information identifies an individual, it will be treated as personal information and managed in accordance with this Privacy Policy.
Cookies and Website Tracking
Our website may use cookies and similar technologies to enhance the user experience and improve website functionality.
Cookies are small data files stored on a user’s device that help websites recognise returning visitors and understand how users interact with the site.
Cookies may be used to:
- Improve website performance and functionality
- Analyse website traffic and usage patterns
- Remember user preferences
- Support website security
You may choose to disable cookies through your browser settings, however some features of the website may not function correctly if cookies are disabled.
Website Analytics
We may use website analytics services to understand how visitors use our website.
These services may collect information such as:
- Pages visited
- Time spent on pages
- Navigation behaviour
- Device and browser information
This information is generally aggregated and used to improve the performance and usability of our website.
Why We Collect Personal Information
We collect and use personal information primarily to provide insurance broking services, including:
- Assessing insurance needs
- Obtaining insurance quotations
- Arranging or renewing insurance policies
- Assisting with claims management
- Managing client relationships\
- Meeting legal and regulatory obligations
Personal information may also be used for related administrative purposes or to improve our services.
Where personal information is collected through our website, it may also be used to respond to enquiries, provide requested information or improve our digital services.
Disclosure of Personal Information
In order to provide insurance broking services, we may disclose personal information to:
- Insurance companies and underwriters
- Reinsurers
- Claims managers and loss assessors
- Insurance brokers or intermediaries
- Service providers that assist in providing insurance services
- Professional advisers such as accountants or legal advisers
- Regulatory authorities where required by law
We take reasonable steps to ensure that personal information disclosed to third parties is handled in accordance with applicable privacy laws.
Overseas Disclosure
Some insurers or service providers we work with may be located outside Australia.
Where personal information is disclosed overseas, we take reasonable steps to ensure that the recipient handles the information in accordance with the Australian Privacy Principles.
Storage and Security of Personal Information
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
Personal information may be stored electronically in secure systems or in physical files maintained by us or our service providers.
We maintain appropriate security safeguards to protect personal information.
Access and Correction
You have the right to request access to personal information we hold about you and to request corrections if the information is inaccurate, incomplete or out of date.
Requests for access or correction should be made using the contact details provided below.
Complaints
If you believe your privacy has been breached, you may contact us to lodge a complaint.
We will investigate your complaint and respond within a reasonable time.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
Contact Details
If you have any questions about this Privacy Policy or how we handle personal information, please contact:
NeedCover Group Pty Ltd
ABN: 28 005 729 831
AFSL No: 239911
Address: Unit 4, 192 Evans Road, Salisbury, 4107 QLD
Phone Number: 1300 606 888
Email: Admin@needcover.com.au
Updates to This Policy
This Privacy Policy may be updated from time to time to reflect changes in our practices or changes in applicable privacy laws.
The most current version will always be available upon request.