On the 12th March 2014, a new legislative regime took effect to regulate the way businesses and government bodies handle your personal information. We would like to tell you about CoverFirst's approach to information privacy.
CoverFirst is a trading name of eSentry Underwriting Pty Ltd - ABN 46 141 852 842 Australian Financial Services Licensee No: 402842 and regulated by Australian Security and Investments Commission (ASIC) and also bound by the Privacy Act and Australian Privacy Principles.
The CoverFirst website is owned and operated by eSentry Underwriting Pty Ltd (“eSentry”) and its related entities.
The term, “our website” refers to all information, services, text, graphics and other data contained under the domain name CoverFirst.com.au.
“we”, “our” and “us” refers to eSentry Underwriting Pty Ltd and its related entities. “you” or “your” refers to the person accessing our website.
Your privacy is extremely important to us. We are committed to protecting the privacy of your personal information and to handling your personal information in a responsible manner in accordance with the Federal Government‟s Privacy Act and Australian Privacy Principles.
The Australian Privacy Principles regulates the way companies collect, use, secure, and disclose personal information under the Federal Government‟s Privacy Act. Information inclusive of anything that can be used to identify a person, inclusive of their name, address, telephone number, age, previous and current insurance experience is deemed to be “personal information” within the Act. These Privacy Principles are designed specifically to ensure the responsible collection, storage and handling of personal information by companies. It also provides people with the right to know what personal information is currently being held about them and a right to correct that information if it is inaccurate. Lastly, it has been designed to ensure that companies do not disclose personal information, without a person‟s prior consent.
We will only collect personal information from you that is relevant to providing products and services to you. Wherever possible, we will collect it directly from you via our website. However, in some instances we may also collect your personal information from third party sources including other insurers, insurance reference services etc, which help us assess, validate and pay claims.
This information will only be collected with your prior consent, or otherwise in accordance with the Privacy Act. Your consent may be express or implied. Implied consent refers to occasions such as when you have informed us verbally, or when you continue a telephone call with our staff members, upon hearing a recorded message. We may at times collect from you, personal information about someone else. For instance, this can occur when you purchase an insurance policy in joint names and personal information is provided about your spouse or family member. When this occurs you must tell that other person of your intention to provide us with information about them. You must also ensure that you have their consent to provide that information.
At times you may use our website anonymously, for example, to seek information about our products and services. On other occasions, such as when you request a quotation, we may collect some personal information in order to assist us in providing you with an accurate quotation. We may gather information, even when you visit our website anonymously, such as Your IP address, referring webpage, date and time you visit and what parts of our website that you viewed.
Upon accessing our website to obtain a quotation, you may be contacted by one of our sales representatives who will assist in answering any questions you have in relation to the quotation and provide general product information only in relation to our product for which you have requested a quotation. You can advise our staff member that you do not wish to have any further assistance when they contact you.
Your personal information that we hold on our website is protected through the use of secure passwords and other security procedures. Access to personal information is limited to those who specifically need it to conduct their business responsibilities.
Whilst we cannot provide a guarantee regarding information sent over the internet, as sending and receiving information is at the users own risk, We will take reasonable steps to ensure your data is safe and secure when we receive it.
Your transactions with our website are protected through the use of Secure Socket Layer (SSL) certificates signed by Versign, a world-leader in SSL certificates, using true 128-bit encryption. This is designed to protect your personal information from interception by third parties. The use of this technology is indicated by the letters „HTTPS‟ preceding our secure website address in your Internet browser.
Your bank account and credit card information are also stored using strong encryption techniques that prevent unauthorised access. Whilst we strive to protect all data collected, no data transmission over the Internet can be 100% guaranteed secure.
After collecting your personal information, we use it to provide you with a quotation regarding our product or service. We also use that information to assist us in managing your policy, compiling statistics and processing any claims you may have. Your personal information may also be used to update you with details of our products and services, where you have provided us with your consent.
Personal information that we collect from you may be disclosed to other parties that are directly involved in the provision of our products or services. These parties include other insurers, law enforcement agencies, government authorities, insurance reference services, insurance assessors and investigators. We may also obtain information about you from some of these parties. However, we will not provide your personal information to them without receiving your prior consent. On certain occasions, assistance may also be provided from external sources, including outside of Australia, to assist us with the administration and management only of our database records, which will include access to personal information.
You are able to access any personal information we hold about you at any time. The only time we are unable to provide you with your personal information would be in exceptional circumstances as allowed under the Privacy Act, for example, where legal proceedings have been commenced against us. If you wish to access your personal information, please contact us via our website.
We will take all reasonable steps to ensure that your personal information is accurate and current. If you would like to update or revise any of your personal information, please contact us and we will promptly process your new details accordingly.
Within our website, you may note links to other websites which are owned and operated by entities that are independent of eSentry Underwriting Pty Ltd.
These website links are provided for your convenience only. We do not approve, sponsor or endorse these websites, inclusive of their information, services, text, graphics and data which is contained within their websites.
eSentry constantly reviews its policies and procedures to stay up to date with changes in the law, technology and market practice. As a result of these changes we may change this policy to reflect the relevant changes without further notice.
Phone (02) 8055 1609
Mail FAO Privacy Office eSentry Underwriting - Level 4, Suite 401, 161 Walker Street, North Sydney NSW 2060.
If your concerns have not been resolved to your satisfaction, you can also contact the Office of the Australian Information Commissioner on ph: 1300 363 992 or by visiting their website www.oaic.gov.au , or in writing to:
Director of Complaints
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001