At MGA Insurance Brokers Pty Ltd, ABN 29 008 096 277, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs).
What is Personal Information?
The Privacy Act defines personal information to mean:
“Information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not.”
What is Sensitive Information?
“Sensitive information” is a subset of personal information and means:
“Information or opinion about an individual’s racial or ethnic origin, political opinions, membership of a political organisation, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual orientation or practices, criminal record, health information about an individual, genetic information, biometric information or templates.”
What kinds of personal information do we collect and hold?
The kinds of personal information we collect, and hold vary depending on the services we are providing, but generally can include:
The type of sensitive information we may collect generally includes:
How do we collect and hold personal information?
We only collect personal information by lawful and fair means and where it is reasonably necessary for, or directly related to, one or more of our functions or activities we provide to you.
If we collect details about you from someone else, we will, take reasonable steps to make you aware of the collection in accordance with the APPs.
We may obtain personal information indirectly, for example, from another insured or your broker if they arrange a policy which also covers you, related bodies corporate, referrals, your previous insurers or insurance intermediaries, witnesses in relation to claims, health care workers, publicly available sources, and persons who we enter into business alliances.
We attempt to limit the collection and use of sensitive information from you unless we are required to do so in order to carry out the services provided to you. However, we do not collect sensitive information without your consent.
We hold the personal information we collect within our own data storage devices or with a third-party provider of data storage. We discuss the security of your personal information below.
The purposes for which we collect, hold, use and disclose your personal information
We collect, hold, use and disclose your personal information where it is reasonably necessary for, or directly related to, one or more of our functions or activities. These will usually include our insurance underwriting services, insurance intermediary services, claims management services and risk management and other consulting services and to meet any obligations we have at law e.g., identity checks required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and other legislation.
For example, we usually need to collect, hold, use and disclose personal information where:
We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent). We will only use your personal information for the primary purposes for which it was collected or as consented to.
We disclose personal information to third parties who assist us or are involved in the provision of our services and your personal information is disclosed to them only in connection with the services we provide to you or with your consent.
The third parties who might receive your personal information can include our related companies, our agents or contractors, insurers, their agents and others they rely on to provide their services and products (e.g., reinsurers), premium funders, other insurance intermediaries, insurance reference bureaus, loss adjusters or assessors, medical service providers, credit agencies, lawyers and accountants, prospective purchasers of our business and our alliance and other business partners.
If we give third parties (including their agents, employees, and contractors) your personal information, we require them to only use it for the agreed purposes.
What if you do not provide some personal information to us?
If the required personal information is not provided, we or any involved third parties may not be able to provide appropriate services or products. If you do not provide the required personal information, we will explain what the impact will be.
What do we expect of you/third parties we deal with when providing personal information about another person?
If we give you personal information, you must only use it for the purposes we agreed to. Unless an exemption applies or we agree otherwise, you must meet the requirements of the Privacy Act, when collecting, using, disclosing and handling personal information on our behalf. You must also ensure that your agents, employees and contractors meet the above requirements.
How do we manage the security of your personal information?
We take reasonable steps to ensure that your personal information is safe. We retain personal information in hard copy records and electronically with us or our appointed data storage provider(s). You will appreciate, however, that we cannot guarantee the security of all transmissions of personal information, especially where the internet is involved.
We endeavor to take all reasonable steps to:
We maintain computer and network security; for example, we use firewalls (security measures for the internet) and other security systems such as user identifiers and passwords to control access to computer systems.
We take reasonable steps to ensure that personal information is current, accurate, up-to-date and complete whenever we collect or use or disclose it.
Throughout our dealings with you we will take reasonable steps to confirm the details of your personal information we hold and ask you if there are any changes required.
The accuracy of personal information depends largely on the information you provide to us, so we rely on you to:
Access to and correction of your personal information
You are entitled to have access to any personal information relating to you which we possess, except in some exceptional circumstances provided by in law. For example, we may refuse access where the:
Where providing access would reveal evaluative information generated by us in connection with a commercially sensitive decision-making process, we will provide an explanation for the decision rather than direct access to the information.
If we refuse access or to give access in the manner requested by you, we will let you know why in writing and provide you with details about how to make a complaint about the refusal.
If we make a correction to your personal information, we may retain a copy of the previous information for our records or as required by law.
If you wish to access your personal information please write to the Privacy Officer, MGA Insurance Brokers Pty Ltd, Locked Bag 4001, Kent Town DC SA 5071 or email@example.com.
We do not charge for receiving a request for access to personal information or for complying with a correction request.
Do we transfer information overseas?
Any personal information provided to us may be transferred to, and stored at, a destination outside Australia, including but not limited to New Zealand, Singapore, Cambodia, United Kingdom, the Philippines, India, the European Union and the United States of America. These countries may change from time to time. Personal information may also be processed by staff or by other third parties operating outside Australia who work for us or for one of our suppliers, agents, partners or related companies.
When we send information overseas, we will ensure that the overseas recipient does not breach the Australian Privacy Principles in relation to the use of that information. If you do not agree to the transfer of your personal information outside Australia, please contact us.
Sale or restructure of business
In the future we may consider the sale or restructure of our business or the purchase of the business of other financial services companies. In such circumstances it may be necessary for your personal information to be disclosed to permit the parties to assess the sale or restructure proposal for example through a due diligence process. We will only disclose as much of your personal information as is necessary for the assessment of any sale or restructure proposal and subject to appropriate procedures to maintain the confidentiality and security of your personal information. In the event that a sale or restructure proceeds, we will advise you accordingly.
You are able to visit our website without providing any personal information. We will only collect personal information through our websites with your prior knowledge for example where you submit an enquiry or application online. Email addresses are only collected if you send us a message and will not be automatically added to a mailing list.
A cookie is a small string of information that a website transfers to your browser for identification purposes. The cookies we use may identify individual users.
If you do have a complaint about privacy we ask that you contact our office first to help us to assist you promptly.
In order to resolve a complaint, we:
If you have a complaint, please either email us at firstname.lastname@example.org or write to us at MGA Insurance Brokers Pty Ltd, Locked Bag 4001, Kent Town DC SA 5071 and our Privacy Officer will then attempt to resolve the issue or complaint.
When we make our decision, we will also inform you of your right to take the matter to the Office of the Australian Information Commissioner (OAIC) if you are not satisfied. In addition, if you have not received a response from us of any kind to your complaint within 30 days, then you have the right to take the matter to the OAIC (contact details are provided below).
If you are not satisfied with our response, you also have a right to have your privacy complaint determined by the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers. AFCA will be able to consider complaints relating to a breach of obligations of the Privacy Act or Consumer Data Framework, providing the complaint falls within AFCA’s jurisdiction. We are bound by AFCA’s determinations once accepted by the complainant.
You can contact AFCA by:
If you would like further details of our Privacy Complaints Handling Procedure, please contact our Privacy Officer using the contact details listed above.
How to contact us and opt out rights
You can also obtain information on privacy issues in Australia on the Office of the Australian Information Commissioner (“OAIC”) website at www.oaic.gov.au or by contacting the OAIC by email at email@example.com or by calling on 1300 363 992.