Please ensure that you familiarize yourself with our Privacy Policy. Your consent to certain use and disclosure of your personal information (including sensitive information) is required and a consent form is included in our application form for that purpose.


1. Purposes of Collection

We only collect personal information about you that is reasonably necessary to:
Assist us evaluate any approach or application you make to one or more of us;
provide you with appropriate financial products and services;
report to you on the status of the products/service acquired by you from one or more of us; and
assessing, investigating or acting in relation to claims.

1.2 We also collect personal information for the purpose of marketing our products and services to you. If you do not wish to receive our marketing material please contact us on (02) 9387-7174.



2. Specific Personal Information Collected

The type of personal information we may collect can include (but is not limited to) name, address, date of birth, contact details, income, assets and liabilities, account balances, tax and financial information, employment details and identification documentation.

Sensitive Information
Sensitive information relates to a person's racial or ethnic origin, membership of political bodies, religions or trade unions, sexual preferences or activities, criminal record, state of health and medical history. The way we use tax file numbers and information received from a credit reporting agency about an individual is also restricted by law.
Sensitive information is usually needed for applications for insurance and to manage claims on those products. It may also be relevant to credit and other applications. It is our policy that sensitive information will be used and disclosed only for the purposes for which it was provided, unless the customer agrees otherwise or the use or disclosure of this information is allowed by law.


3. Collection of Personal Information

3.1 Personal information will be collected by us:
directly from you, if and when it is reasonable and practicable to do so;
if necessary from third parties such as our related companies, credit reporting agencies, mortgage insurers, and referring parties; and
from publicly available sources of information and our existing records.



4. Failure to provide Personal Information

4.1 Your failure to provide the personal information identified above may result in our inability to provide you with the product or service requested or best suited to your needs.


5. Disclosure of Your Personal Information

In the course of delivering a product or service to you, we may need to disclose your personal information, in a way that complies with the Act, to:

our related companies to assist in:
evaluating any approach or application you make to one or more of us;
providing you with appropriate financial products and services;
reporting to you on the status of the products/services acquired by you from one or more of us ; and/or
assessing, investigating or acting in relation to claims.

An intermediary authorised by you to disclose personal information about you, re-insurer of a product or service:
service providers and specialist advisers to us who have been contracted to provide us with
administrative, legal, financial, insurance, research or other services;
insurers and credit providers;
credit reporting or reference agencies or investigators, and debt recovery agents;
an organisation contacting us with your consent, to obtain past policy or claims information about you;
Commonwealth or State/territory Government authorities;
courts, tribunals or other dispute resolution bodies.



6. Storage

6.1 Whether you interact with us personally, by phone, mail, over the internet or other electronic medium, safeguarding the privacy of your information is important to us. We hold personal information in a combination of secure computer storage facilities and paper-based files and other records and take steps to protect the personal information we hold from misuse, loss, unauthorized access, modification or disclosure.

6.2 We need to maintain records for a significant period of time. However, when we consider information is no longer needed, we will remove any details that will identify you or we will securely destroy the records.

6.3 We endeavour to ensure that the personal information we hold is accurate and up-to-date. We realise that this information changes frequently with changes of address and other personal circumstances. Please keep us informed of any change in the personal information that we hold and let us know if there are any errors or omissions in that information.



7. Access to Personal Information

You may access your personal information, subject to a number of exceptions permitted by law. We reserve the right to determine the manner in which the information is accessed. If we deny you access we will provide you with written reasons and, depending on the circumstances of the denial, we may provide sufficient access to information through mutually agreeable intermediaries to meet the needs of you and us. If you request access to your personal information, you may be charged a reasonable fee or costs incurred such as photocopying, administration and postage.

7.4 If you would like access to your personal information please contact our Sales Manager on: (02) 9387-7174. To ensure security and protection of your information, we may ask that your request be in writing.


8. Changes to Our Privacy Policy

8.1 To ensure that our privacy policy reflects market expectations and needs we will constantly review it and update it from time to time as the need arises.



9. Queries or Problems

9.1 If you have any queries or problems whatsoever in relation to our privacy policy or the handling of your personal information, please contact our Sales Manager on: (02) 9387-7174

9.2 Further information about privacy issues and the protection of your personal information is obtainable from the Australian Federal Privacy Commissioner on: 1300 363 992.


10. What if you have a complaint?

If you consider that any action of ours breaches this Privacy Policy or the National Privacy Principles or otherwise does not respect your privacy, you can make a complaint. This will be acted upon promptly.To make a complaint, please telephone us on(02) 9387-7174.If you are not satisfied with our response to your complaint, you can telephone the Australian Federal Privacy Commissioner's hotline on: 1300 363 992.



11. How to contact us

11.1 If you want to:
make a general enquiry about our privacy policy;
change your personal information
obtain an application form for access to your personal information,
please phone us on (02) 9387-7174.


12. Internet Contact

12.1 If you visit our website to view or download information, our system will record your movements, however no personally identifiable information will be recorded.