Underwriting Australia Pty Ltd (‘UAPL’) (ABN
50 087 225 661) (AFSL 322536) is committed to protecting
your privacy in accordance with the Privacy Act 1998 (Cth).
This Privacy Statement describes our current policies and
practices concerning the collection, use and management and
protection of personal information about individuals.
The general Insurance Privacy Code
The Privacy Act provides for industry groups to
operate their own privacy code, tailored to the needs and
features of the industry. The General Insurance Privacy
Code ("the Code") was compiled by the Insurance
Council of Australia and has been approved by the Federal
The Code ensures that all the principles under the Privacy
Act 1988 (Cth) are incorporated into the
business practice of its signatories. The Code also provides
consumers with additional protection through complaints
handling mechanisms, industry monitoring processes and
1. What information do we collect and how do we use it?
1.1 At UAPL, we collect personal information that
is necessary to provide and manage the products or services
we offer on behalf of the insurers we deal with; develop
and identify products and services that may interest you;
and to conduct market or customer satisfaction research.
As an agent of the various insurers, we may collect the personal
information on behalf of these insurers, who are located
in Australia and overseas.
1.2 Generally, we collect both personal and sensitive
information. Please see below for a description of the information
we may gather.
1.3 Insurers may pass on personal and sensitive information
to their reinsurers or other persons, e.g. loss adjusters,
medical advisers, claim consultants, lawyers and other advisers.
Some of these companies may be located outside Australia.
We may also disclose your personal and sensitive information
to a premium funder if premium funding is to be arranged
on your behalf.
1.4 We also use your personal information to send you requested
product information and related material and to enable us
to manage your ongoing insurance requirements, e.g. renewals,
and our relationship with you and your agent.
1.5 We may occasionally notify you, unless you notify us
otherwise, about new services, special offers, events or
articles we think will be of interest to you. We may send
regular updates by email or by post on insurance matters.
If you would rather not receive this information, you must
notify us in writing.
1.6 We may use your personal information internally to help
us improve our services and help resolve any problems.
1.7 Personal Information
Personal Information is information by which an individual
can be identified such as your name, contact details, date
of birth, insurance history or financial details.
1.8 Sensitive Information
Sensitive Information is a particular kind of personal information
which includes information about an individual’s health,
racial or ethnic origin, membership of political, professional
or trade organisations, criminal record, sexual practices,
political opinions or philosophical or religious beliefs.
We will only collect this information if we have express
2. What if you don’t provide some relevant information
We can only fully advise you of your insurance needs if
we have all relevant personal and/or sensitive information.
Insurance laws also require you to provide your insurers
(and their agents) with all the information they need in
order to be able to decide whether to insure you and on what
3. How do we hold and protect your information?
3.1. We strive to maintain the reliability, accuracy, completeness
and currency of the personal information we hold and to protect
its privacy and security. We keep personal information only
for as long as is reasonably necessary for the purpose for
which it was collected or to comply with any applicable legal
or ethical reporting of document retention requirements.
3.2. We hold the information we collect from you in a safe
record storage system. We ensure that your information is
safe by enforcing strict security arrangements.
4. Will we disclose the information we collect to anyone?
4.1 We disclose personal information to third parties who
we believe are necessary to assist us and them in providing
relevant services and products to you. We will not do this
unless it meets the privacy standards under the Privacy
Act 1988 (Cth). For example, to evaluate or deliver
our products and services to you, we may need to disclose
your information to:
- An agent authorised by UAPL to collect or assess information
relating to the relevant product or service;
- The insurers who we act as agent on their behalf;
- A broker or other persons authorised by you;
- A person or organisation contracted by UAPL or an insurer
to assess, evaluate or manage claims made under your policy;
- A person or organisation acting on your behalf to assess,
evaluate or manage a claim made by a another person on
a policy which you are claiming indemnity or in which you
are an insured;
- A person or organisation contacted by UAPL or an underwriter
to confirm, assess, clarify or assist in delivering a product
or service to you;
- An organisation contacting UAPL or another agent, with
your consent, to obtain past policy or claims information
- Commonwealth or State/territory Government authorities;
- Courts, tribunals or other dispute resolution bodies.
4.2 We limit the use and disclosure of any personal information
provided by us to them to the specific purposes for which
we supplied it. We may transfer your personal information
overseas where it is necessary to provide our service or
product. As the agent for some overseas insurers, such as
Lloyd’s, that information will be transferred overseas.
4.3 We do not sell, trade, or rent your personal or sensitive
information to others for monetary or financial gain.
4.4 We may need to provide your personal and sensitive
information to contractors who supply services to us, e.g.
to handle mailings on our behalf or to other companies in
the event of a corporate sale, merger, reorganisation, dissolution
or similar event. However, we will do our best to ensure
that they only use and protect your information in the same
way that we do.
4.5 We may also disclose your personal and sensitive information
to other persons such as our lawyers, consultants, other
insurance intermediaries, employees and officers in any of
our related companies who may provide services to us to manage
your insurance requirements and claims.
4.6 We may provide your information to others if we are
required to do so by law or under some unusual circumstance
which the Privacy Act 1988 (Cth) permits.
We will take reasonable steps to ensure the information we
collect about you is accurate, complete and up-to-date.
5. Your consent
By asking us to arrange or assist with your insurance needs,
even if requested via a person or acting on your behalf,
you will be taken to have consented to the collection and
use of your personal and sensitive information provided to
us for the purposes described above.
6. How can you check, update or change the information
we are holding?
6.1 On your request, UAPL will provide you with access to
the personal information that we hold about you, except in
circumstances where access may be denied under the Privacy
Act 1988 (Cth). UAPL reserves the right to determine
the manner in which the information is accessed.
6.2 On receipt of your written request and provided we are
able to ascertain the information we may hold, we will provide
to you a copy of the personal information. We will also correct,
amend or delete any personal information that we agree is
6.3 We will take all reasonable steps to keep your information
confidential and secure and protect it from unauthorised
access, modification and disclosure or misuse or loss. We
may store your information electronically or in paper form.
6.4 If you wish to access or correct your personal information,
please write to The Privacy Officer at the address below.
6.5 If we deny you access we will provide you with a reason
and, depending on the circumstances of the denial, we may
provide sufficient access to information through mutually
agreeable intermediaries to meet the needs of both parties.
If you request access to your personal information, you may
be charged a fee for costs incurred such as photocopying,
administration and postage. You may also request that we
provide you with further information on how we collect, hold,
use and disclose personal information at UAPL.
7. Information about other individuals
7.1 If you provide us with personal or sensitive information
about another individual, we expect that you will advise
that individual that you have collected their information,
that you have passed it on to us, the purpose for which we
will use it and the parties who we may disclose it to. In
the case of sensitive information, you must obtain the individual’s
consent to collect it and how you will use it.
7.2 If we pass on personal or sensitive information about
an individual to you, then you and the person(s) you are
authorised to disclose it to, must only use it for the purpose
for which we disclose it to you and comply with the requirements
of the National Privacy Principals regarding your collection,
use, handling and storage of that information.
8. Privacy Complaints
8.1 UAPL has established a privacy complaints handling procedure
to deal with any complaints you may have about how we have
collected, used or managed your personal information. If
you need to make a complaint, please contact the Privacy
Officer at the address below. We will endeavour to resolve
your complaint as soon as possible within 21 working days.
8.2 Your complaint may be made orally or in writing. If
you make your complaint orally, we will require you to put
it in writing as soon as possible. Please let us know if
you require assistance to put your complaint in writing.
Your complaint will be taken seriously and investigated thoroughly
by the Privacy Officer at UAPL. There may be instances where
the Privacy Officer will recommend that the complaint be
handled by the Privacy Commissioner or another Code adjudicator.
8.3 If you are not satisfied with the investigation undertaken
by UAPL, you can make a complaint to the Insurance Ombudsman
Service Limited (IOS), PO Box 561, Collins Street West Melbourne,
8007. You can also reach the IOS via phone, National Toll
Free: 1300 780 808 or via their website www.insuranceombudsman.com.au.
This process is free of charge. If you are unsatisfied with
the way your complaint is handled by the IOS, you are able
to contact the Office of the Privacy Commissioner on 1300
363 992, which also has a complaint review and resolution