Where it is possible, we collect your personal information directly from you in person, in writing, over the telephone, through our or our agents and partners’ online services and websites and by electronic messages including email and SMS. In some circumstances, we may also collect it from:
· your agents or representatives, for example your insurance broker, your legal advisers, your family members or representatives who act on your behalf or who apply for a policy or other services that cover or apply to you, or from other persons instructed by you to deal with us;
· third parties who you have asked or permitted to provide your personal information (including sensitive information) to us, including your referees, universities and other educational institutions that you attend, doctors, hospitals, and medical assistance providers;
· third parties from whom you purchase goods and services including motor vehicle manufacturers and distributors, insurers, and other entities who engage us to provide or offer additional products and services such as roadside assistance services;
· our agents and service providers, some of whom are located in countries other than Australia;
· insurers (including Allianz^ and Peoplecare**) and insurance reference bureaus;
· people who are involved in a claim or assist us in assessing, investigating, processing or settling claims, including third parties claiming under your policy, witnesses, medical service providers, external claims data collectors and verifiers, and your employer;
· third parties who may be arranging insurance cover for a group that you are a part of;
· law enforcement, dispute resolution, statutory and regulatory bodies;
· marketing organisations;
· industry databases;
· publicly available sources such as the internet; and
· the general public when it may be relevant to a particular policy, service, or fraud investigation.
Unless we are required or permitted by law to collect sensitive information about you, we will only do so where you have consented.
If you nominate individuals to be covered by your insurance policy (including family members or partner or spouse) or under a group insurance policy, or in other circumstances provide us with personal information about other individuals, you should first obtain their consent to do so and direct them to this Privacy Policy and make them aware of the content of any privacy notice we provide you.
If you decide to complete or partially complete an online application form, where permitted by law, the information that you enter into the online form may be used by us to contact you to see if you are interested in our products or services.
We record all telephone calls for training, quality assurance and dispute resolution purposes. If you do not want your call to be recorded, please advise us and we will attempt to make alternate arrangements suitable to you.
