Pty Limited ABN 42 165 156 972 AFSL 450498 and Trade Credit Underwriting Agency Pty Limited ABN 73 160 077 574 (we, our and us).
We’re committed to safeguarding people’s privacy and the confidentiality of their personal information and are bound by the Australian Privacy Principles set out in the Privacy Act 1988 (Cth) (the Act).
Personal information we collect
We collect personal information including:
- Name, address, date of birth and contact details
- Details of property insured
- Financial details
- Health information
- Professional qualifications, and
- Past employment, residency status and proof of identity.
We ask for personal information from:
- Our customers, and the customers of our business partners and intermediaries
- Our business partners, intermediaries and group policy holders
- People involved in claims, including witnesses
- Participants in competitions, loyalty programs marketing initiatives, promotions and surveys
- Credit providers, and others you owe money to
- Trainees and people who use our online training facilities, and
- Applicants for employment.
In most cases we’ll collect personal information directly. We’ll obtain consent before collecting sensitive information, such as health information, unless we’re required or permitted by law to collect it without consent.
If we don’t receive personal information
We may not be able to do provide our products or services if we’re not given all of the personal information we’ve asked for. This includes not issuing policies and not processing claims.
Dealing with us anonymously
There are some circumstances where people can deal with us anonymously, including if they’re only looking for general information about one of our products or services, or asking for a quote.
What we do with personal information
We collect, hold, use and disclose personal information in ways people would reasonably expect and where it’s reasonably necessary for our business, including:
Issuing, processing, administering and managing insurance policies and claims
Taking recovery action
Improving our products and services, and the customer experience
Working with business partners, insurance intermediaries and group policy holders
Conducting competitions, loyalty programs, marketing initiatives, promotional activities and surveys, and
Assessing applicants’ suitability to work with us.
Disclosing personal information
We, or our agents, may disclose personal information to:
Any person authorised by you
Our related bodies corporate, including QBE’s services company located in the Philippines which provides
sales, claims, accounting and administration services
Mail houses, records management companies or technology services providers for printing and/or delivery
of mail and email, including secure storage and management of our records
Financiers of property insured
Health care providers to establish medical status and arrange appropriate treatment and services. In an
emergency we may also disclose information to employers and family members
Organisations that provide banking or transactional services to facilitate payments to and from us
Organisations that assist us improve our products, services and the customer experience
Co-insureds to confirm full disclosure has been made to us
Other insurers to obtain information about past insurance history, including to confirm a no claim bonus
status, to assess insurance risk and assist with investigations
Dispute resolution organisations such as the Financial Ombudsman Service, and
- Service providers that perform data analytics.
We may also disclose personal information to:
Repairers and suppliers to repair or replace property insured
Investigators and assessors to investigate and assess claims and related matters
Lawyers and recovery agents, to defend actions by third parties, to recover our costs and amounts owed
to us, or to seek a legal opinion
Credit reporting agencies
Auditors, solicitors and other consultants and professionals
Witnesses, to obtain witness statements
Experts to provide us with opinions
Other parties to a claim to obtain statements from them, seek recovery or defend an action, and
Credit reporting agencies and insurance reference bureaus. When we disclose your information, it may be
accessible to other members and subscribers of these agencies and bureaus.
We also collect personal information from these people and organisations.
Disclosure to business partners, intermediaries and group policy holders
When you buy a policy arranged by one of our business partners or intermediaries, or if you’re a third party
beneficiary under a group policy, you consent to us providing all of your personal information to that business
partner, intermediary or group policy holder, which may include sensitive information and claim information.
That business partner, intermediary or group policy holder may also provide us with personal information.
they collect, hold, use and disclose your personal information.
Disclosure to overseas recipients
We may store and disclose personal information overseas. The locations include the Philippines, India, Ireland,
the UK, the US, China and countries within the European Union.
Where personal information has been disclosed overseas, there’s a possibility the recipient may be required to
disclose it under a foreign law. Where this occurs, such disclosure isn’t a breach of the Act.
How personal information is held
We hold personal information in secure systems, databases and paper records. We may use related bodies
corporate, agents and third party suppliers for data storage, which may be located outside of Australia.
Any personal information provided over the internet is held securely and not retained on our web servers. We
use service providers and secure online payment facilities to process payments by credit card. Card details can’t
be accessed through the internet after a payment has been processed.
Website and app tracking
information. Cookies are small text files placed on your computer. We use both 'persistent' and 'session’ cookies.
We also utilise other technologies similar to cookies, including those which are embedded into or which accompany
emails sent by us or on our behalf. The information we collect includes:
Details of visits to our websites or use of our apps and the browser used
Details of sites visited before visiting our website
Pages visited, time spent on them and documents viewed and download
Visits made to our websites before
Server address/IP address.
What we use this information for
We use information collected to:
Assist in the use our online services and understand needs
Collect and analyse statistical information
Enhance and tailor website functionality and the customer experience
Investigate security incidents
Learn about emails sent, including if they were opened and what’s been done with them
Manage our servers and websites
Market our products and services and continue to improve them, and
Evaluate the effectiveness of our advertising
By accessing our websites or using our apps you agree to cookies being stored in your browser or device.
Browsers may be able to be configured to accept or reject cookies, or to notify when a cookie is being sent. The
‘help’ function on your browser will provide details on how to change configurations.
The functionality of our websites and apps may be affected if cookies are blocked or rejected.
We share information from cookies and other technologies with third party providers, including Google Analytics.
The information collected can be combined with other information, allowing us or those third parties to identify
users at an individual level, their behaviours, activity and needs.
Some of our websites present content and functionality provided by third parties which we don’t control. We’ll
take reasonable steps to tell you before you use them, but you should consult the privacy policies of the third
party providers as well.
For more information about cookies
For further information about cookies, including how to see what cookies have been set, how to manage and
delete them or how to manage browser settings visit www.allaboutcookies.org
Access, corrections and complaints
Our aim is to always have accurate, complete, up-to-date and relevant personal information. When you deal with
us, you should check the information we hold about you is correct.
You can contact our Customer Care team to request access to personal information we hold about you and
correct any errors. Generally no restrictions or charges apply.
like to make a complaint.
QBE Customer Care
1300 650 503 (Office Hours Mon-Fri: 9am-5pm)
Calls from mobiles, public telephones or hotel rooms may attract additional charges
GPO Box 219
PARRAMATTA NSW 2124
Date prepared: 24 January 2018
Date effective: 19 January 2018