Privacy Act 1988
sets out how we collect, store, use and disclose your personal information (including sensitive information).
Collection and use of personal information
insuresME collects personal information (with consent from the individual) in order to provide our various services which include insurance
broking, claims management, risk management consultancy, underwriting management, workers compensation consulting, reinsurance and other related
The types of personal information that we collect about you will depend on our relationship with you, the circumstances of collection and the type
of service you request from us. The personal information may include:
The personal information we collect and/or hold about you and other individuals (such as co-insured or your spouse, partner or children) can include:
- Name, date of birth, gender
- Contact details such as address, phone, fax and email
- Information relevant to providing a product service such as:
- Underwriting information like your claims history
- Financial institution account details like your credit card, or bank account numbers e.g. if the product or service is being paid for in this
way or we are making a claim payment
- Information obtained as part of the management and processing of a claim e.g. information on a police report;
- Details of insurance policies you hold or have held; and
- Sensitive information such as health information (e.g. where health is relevant to underwriting an insurance policy or dealing with, managing,
or processing a personal injury claim) or criminal records (where this information is relevant to underwriting and insurance policy or
processing a claim).
How we collect information
The personal information is collected through gaining consent from the individual by various methods including, face to face, telephone, written
communication and visits to our website. By submitting your proposal and continuing to deal with us, you confirm on your behalf and/or on behalf
of those you represent consent to insuresME and these parties collecting, using and disclosing personal and sensitive information about you.
By asking us to assist with your insurance needs, visiting our website, applying for, renewing or using any of our product services, you consent
to the collection and use of the personal information you have provided to us for the purposes described above.
What if you don’t provide some information to us?
We can only issue insurance cover and assess claims if we have all relevant information. The insurance laws also require you to provide your
insurers with all the information they need in order to be able to decide whether to insure you and on what terms.
If you want to deal with us while not identifying yourself (i.e. anonymously or by using a pseudonym) we will allow you to do this where practical
(for example where you make a general enquiry of us). Please tell us if you wish to do this and we will indicate whether, given the nature
of the transaction if it is practical.
Disclosure of personal information
insuresME may disclose information to third parties in order to provide a service to you when necessary and consent is given by the individual
to collect and distribute the information to insurers, reinsurers, other insurance intermediaries, their advisors such as loss adjustors, lawyers
and accountants, and other parties involved in the claims handling process. With your consent, your information may be given to an overseas
insurance brokers or insurer (like Lloyd’s of London) if we are seeking Insurance terms from an overseas insurer or to reinsurers who are located
If the personal information insuresME requests from you is not provided, insuresME or any involved third party may not be able to provide
the appropriate services.
insuresME has a duty to maintain the confidentiality of its client’s affairs which includes your personal information. Our duty of confidentiality
applies except where disclosure of your personal information is with your consent or required by law.
From time to time, we may use your contact details to present you with direct marketing offers, including promotions and newsletters that
are relevant to the services we provide. You will always be given the option of electing not to receive these communications in the future;
this is called an Opt Out. Methods of Opting Out differ. For emails you can Opt Out by clicking the unsubscribe link which is included at the
bottom of all marketing emails sent to you. If you would like to Opt Out of receiving direct mail or telemarketing phone calls please email@example.com
Security of your personal information
With security of your personal information, we take all reasonable steps to protect any personal information that we hold from misuse, interference
and loss and from unauthorised access, alteration and disclosure. For example, we maintain physical security over our paper and electronic
data stores and premises such as locks and security systems. We also maintain computer and network security; for example, by using firewalls
(security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems.
We hold the information we collect from you on our Insurance Broking System and Client Record Management software. 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.
We may need to provide your information to contractors who supply services to us, e.g. 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 keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any legal
or ethical reporting or documentation retention requirements.
Accuracy, access and correction of your personal information
We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date whenever we collect, use or disclose
it. However, we also rely on you to advise us of any changes to your personal information. Please let us know as soon as possible if there
are any changes to your information or if you believe the information we hold about you is not accurate, complete or up-to-date. If you make
a request by contacting us at the contact details below, we will provide you with access to the personal information we hold about you unless
otherwise required or permitted by law. We will notify you of the basis for any denial of access to your personal information.
insuresME may make use of your personal information with your consent to provide you with information about its products and services.
Simply contact the insuresME’s Privacy Officer on the details below if you would like to:
- Access the personal information insuresME holds about you
- Update or correct the information insuresME holds about you
- Make a privacy related complaint
- Discuss your privacy concerns
- Be removed from the mailing list to receive information about insuresME products and services
Privacy Officer – Peter Hogan
GSA Insurance Brokers Pty Ltd
PO Box 101 Grosvenor Place
Sydney NSW 1220
Tel: 1300 857 954
Fax: +61 2 9252 5882