How we handle personal information.
We are committed to protecting your privacy in
accordance with the Privacy Act 1998 (Cth) and the Australian Privacy
in relation to the collection, handling, use and disclosure of personal
information. It also deals with how you can complain about a breach of
the privacy laws and how you can access the personal information we hold
and how to have that information corrected.
information do we collect and how do we use it?
When we arrange insurance on your behalf, we ask you
for the information we need to advise you about your insurance needs and
management of your risks. This can
include a broad range of information ranging from your name, address,
contact details, age to other information about your personal affairs
including your assets, personal belongings, financial situation, health
and wellbeing. We provide any information that the insurers or intermediaries
who we ask to quote for your insurances and premium funding require to
enable them to decide whether to insure you and on what terms, or to fund
your premium and on what terms.
Insurers may in turn pass on this information to their
reinsurers. Some of these companies are located outside Australia.
For example, if we seek insurance terms from an overseas insurer (eg
Lloyd’s of London), your
personal information may be disclosed to the insurer. If this is likely
to happen, we inform you of where the insurer is located, if it is
possible to do so.
When you make a claim under your policy, we assist you
by collecting information about your claim. Sometimes we also need to
collect information about you from others. We provide this information to your
insurer (or anyone your insurer has appointed to assist it to consider
your claim, eg loss adjusters, medical brokers etc) to enable it to
consider your claim. Again this information may be passed on to
From time to time, we will use your contact details to
send you direct marketing communications including offers, updates and
newsletters that are relevant to the services we provide. We always give
you the option of electing not to receive these communications in the
future. You can unsubscribe by notifying us and we will no longer send
this information to you.
What if you
don’t provide some information to us?
We can only fully advise you and assist in arranging
your insurance or with a claim, if we have all relevant information. The
insurance laws also require you to provide your insurers with the
information they need in order to be able to decide whether to insure you
and on what terms. You have a duty to disclose the information which
relevant to the insurer’s decision to insure you.
When do we
disclose your information overseas?
If you ask us to seek insurance terms and we recommend
an overseas insurer, we may be required to disclose the information to
the insurer located outside Australia.
For example, if we recommend a policy provided by Lloyd’s of London, your
information may be given to the Lloyd’s broker and underwriters at
Lloyd’s of London to make a decision about whether to insure you.
We will tell you at time of advising on your insurance
if they are overseas and in which country the insurer is located. If the
insurer is not regulated by laws which protect your information in a way
that is similar to the Privacy Act, we will seek your consent before
disclosing your information to that insurer.
Australian and overseas insurers acquire reinsurance
from reinsurance companies that are located throughout the world, so in
some cases your information may be disclosed to them for assessment of
risks and in order to provide reinsurance to your insurer. We do not make
this disclosure, this made by the insurer (if necessary) for the
placement for their reinsurance program.
How do we hold
and protect your information?
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 or
document retention requirements.
We hold the information we collect from you initially in a working file, which when completed is
electronically imaged and stored, after which any paper is destroyed
in our onsite shredder. In some cases, your file is archived and sent to
an external data storage provider for a period of time. We only use
storage providers located in Australia
who are also regulated by the Privacy Act.
How do we hold
and protect your information? (cont)
We ensure that your information is safe by protecting it from unauthorised access,
modification and disclosure. We
maintain physical security over our paper and electronic data and
premises, by using locks and security systems. We also 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 where your information is
disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information
We may need to provide your information to contractors
who supply services to us, eg to handle mailings on our behalf, external
data storage providers or to other companies in the event of a corporate
sale, merger, re-organisation, dissolution or similar event. However, we
will take reasonable measures to ensure that they protect your
information as required under the Privacy Act.
We may provide your information to others if we are required
to do so by law, you consent to the disclosure or under some unusual
other circumstances which the Privacy Act permits.
How can you
check, update or change the information we are holding?
Upon receipt of your written request and enough
information to allow us to identify the information, we will disclose to
you the personal information we hold about you. We will also correct,
amend or delete any personal information that we agree is inaccurate,
irrelevant, out of date or incomplete.
If you wish to access or correct your personal
information, please write to Peter Kelly our Privacy
Officer at Kelly & Coe Insurance Brokers Pty Ltd PO Box 433
Milsons Point NSW 1565
We do not charge for receiving a request for access to
personal information or for complying with a correction request. Where the
information requested is not a straightforward issue and will involve a
considerable amount of time, then a charge will need to be confirmed for
responding to the request for the information.
In some limited cases, we may need to refuse access to
your information, or refuse a request for correction. We will advise you
as soon as possible after your request if this is the case and the
reasons for our refusal.
What happens if you want to
If you have concerns about whether we have complied
your personal information, please write to our Peter Kelly our Privacy
Officer at Kelly & Coe Insurance Brokers Pty Ltd PO Box 433 Milsons
Point NSW 1565.
Your complaint will be considered by us through our
internal complaints resolution process and we will try to respond with a
decision within 45 days of you making the complaint.
By asking us to assist with your insurance needs, you
consent to the collection and use of the information you have provided to
us for the purposes described above.
information and content.
The information provided on our website does not cover
all aspects of the law on the relevant subject matter. Professional
advice should be sought before any action is taken based upon the matters
described and discussed on this site.
To the extent permitted by law, we make no representations
about the suitability of the content of this site for any purpose. All
content is provided without any warranty of any kind. We disclaim all
warranties and conditions with regard to the content, including but not
limited to all implied warranties and conditions of fitness for a
particular purpose, title and non-infringement.
We will not be liable for any damages or injury caused
by, including but not limited to, any failure of performance, error,
omission, interruption, defect, delay in operation of transmission,
computer virus, or line failure. To the extent permitted by law we will
not be liable for any damages or injury, including but not limited to,
special or consequential damages that result from the use of, or the
inability to use, the materials in this site.
We believe the content of this site to be accurate,
complete and current; however there are no warranties as to the accuracy,
completeness or currency of the content. It is your responsibility to
verify any information before relying on it. The content of this site may
include technical inaccuracies or typographical errors.
We reserve the right to modify the content of this
site from time to time.
– We use technology to collect anonymous information about the use of
our website, for example when you browse our website our service provider
logs your server address, the date and time of your visit, the pages and
links accessed and the type of browser used. It does not identify you
personally and we only use this information for statistical purposes and
to improve the content and functionality of our website, to better
understand our clients and markets and to improve our services.
Cookies – In
order to collect this anonymous data we may use “cookies”. Cookies are small pieces of information
which are sent to your browser and stored on your computer’s hard drive.
Sometimes they identify users where the website requires information to
be retained from one page to the next. This is purely to increase the
functionality of the site. Cookies by themselves cannot be used to
discover the identity of the user. Cookies do not damage your computer
and you can set your browser to notify you when you receive a cookie so
that you can decide if you want to accept it. Once you leave the site,
the cookie is destroyed and no personal or other information
about you is stored.
Forms - Our
Website allows visitors to submit information via Self-Service forms
(Claim Forms, Employment and Contact request). The information submitted via the Forms
is not encrypted – an option
is available for claim forms to be downloaded in PDF format for
faxing. Should you be concerned
about confidentiality of the claim information, this would be the
Information collected via on-line forms is sent to our
offices via EMAIL (not encrypted) and is also stored on a database which
is accessible by Kelly & Coe Insurance Brokers Pty Ltd staff only and
is password protected.
We also use your information to send you requested
product information and promotional material and to enable us to manage
your ongoing requirements, e.g. renewals, and our relationship with you,
e.g. invoicing, client surveys etc.
We may occasionally notify you via direct marketing
about new services and special offers, events or articles we think will
be of interest to you. We may send you regular updates by email or by
post on insurance matters. If you would rather not receive this
information or do not wish to receive it electronically, email or write
We may use your information internally to help us
improve our services and help resolve any problems.
Tell us what
We welcome your questions and comments about privacy.
If you have any concerns or complaints, please contact
Peter Kelly our Privacy Officer Kelly & Coe Insurance Brokers Pty Ltd
PO Box 433
Milsons Point NSW 1565
Ph: 61 2 99297155