What information do we collect, hold and how do we use it?
We will collect personal information for primary purposes, which are relevant to providing and administrating our financial products and services. To enable us to provide advice on and arrange financial services, we collect the information needed by ourselves to ensure appropriate advice to you and information required by product suppliers. We will usually provide some or all of this information to our product suppliers. Some of these companies may be located outside Australia. When a claim is made under an insurance policy, to enable us to assist in the claim process, we and our representatives and those of the insurer (including loss adjusters, investigators, medical advisers and lawyers) collect information about the claim, some of which may be personal information. We may collect the information from you or from third parties. We provide this information to the insurer and or their agents and those appointed to assist you in making a claim. Again this information may be passed on to your underwriters and reinsurers. We may use your personal information internally to help us improve our services and help resolve any problems.
What if you don’t provide some information to us?
We can only apply for and arrange financial service products if we have all relevant information. The insurance laws also require insured’s to provide all the information required by the end insurer to help them decide whether to insure you and on what terms. Credit Providers also require specific information to help them assess any credit applications that we may facilitate on your behalf.
How do we hold and protect your information?
We hold the information we collect from you in our computer system and in our hard copy files. We ensure that your information is safe by following the usual security procedures expected by our clients.
Will we disclose the information we collect to anyone?
We may disclose information to:
- Financial institutions, other Australian Financial Service Licensees, Insurers, underwriters, underwriting agencies, wholesale brokers and reinsurers (for the purpose of seeking recovery from them or to assist them to assess insurance risks);
- Premium funders / Credit providers for the purposes of gaining quotations on and arranging funding of your insurance premiums / financial investments.
- An investigator, assessor, State or Federal Health Authorities, lawyers, accountants, medical practitioners, hospitals or other professional advisors (for the purposes of investigating or assessing your claim);
- A lawyer or recovery agent (for the purpose of defending an action by a third party against you or for the purpose of recovery costs including your excess);
- Contractors who supply services to us, e.g. to handle mailings on our behalf.
- An immediate family member;
- 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 protect the information in the same way that we do. We may provide this information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits. We do not sell, trade, or rent personal information to others.
How can you access, check, update or change your information?
Upon receipt of your written request from you 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. If you wish to access or correct your personal information please write to the Privacy Officer, C/- our office. We do not charge for receiving a request for access to personal information or for complying with a correction request. We do however reserve the right to charge you for all reasonable costs and outgoings specifically incurred in meeting your request for information.
By asking us to provide you with our financial services, you consent to the collection and use of the information you have provided to us for the purposes described above.
Complaints about Privacy
Should you have a complaint regarding a breach of privacy please contact our Complaints Officer who will handle the matter in accordance with our formal complaints handling procedures. Your complaint can be lodged over the phone, via mail or email or you may wish to make an appointment with our Complaints Officer at a convenient time and location. We will do all that is reasonable in the circumstances to address your complaint.
Information sent overseas
In certain situations it is likely that that some or all of the Personal Information that you provide to us may be disclosed to businesses that operate overseas. This would only occur where the product provider / intermediary is based overseas – e.g. Lloyds of London syndicates or brokers and other overseas based insurers and intermediaries or in situations where we utilise “Cloud Computing” services that are situated outside Australia. In all such cases, unless we expressly inform you and obtain your consent to the contrary, we commit to making reasonable enquiries to ensure that these organisations comply with their local privacy legislation where such legislation is comparable to the Australian legislation and to comply with the key components of Australian Privacy legislation in cases where their local legislation is considered inadequate or non-existent.
WEBSITE PRIVACY ISSUES
We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider may log 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.
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.
Our Website may allow visitors to submit information via Self-Service forms (Quotes, Claim Forms, Employment and Contact request). The information submitted via the Forms may not be encrypted. Should you be concerned about the confidentiality of any information provided by any Self Service forms please do not hesitate to lodge this information with us via phone or email.
We may also use your contact information that you supply on this website 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 also 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 to us.
We may also use your information internally to help us improve our services and help resolve any problems.
Use of Information
The information in this site is not intended to be professional advice and is provided for general information only and must not be relied upon. It is not intended as, nor capable of being, advice on any specific problem or any particular situation. Willis Temby Insurance Brokers (WA) Pty Ltd makes no guarantees or representations as to the accuracy, reliability, or currency of information in this site or the results of its use. Professional advice should be sought before acting or relying upon the information in this site.
All information is provided "as is" without any warranties of any kind. Use of that information is at a user's own risk. To the fullest extent permitted by law, Willis Temby Insurance Brokers (WA) Pty Ltd disclaims and does not accept any liability or responsibility for any warranties, express or implied, or representations, including, without limitation, as to the accuracy or completeness of the contents of this site, and any implied warranties of merchantability or fitness for a particular purpose.
Willis Temby Insurance Brokers (WA) Pty Ltd will not be liable for any damages, losses, costs or expenses of any kind, including direct, indirect, special and consequential (including, without limitation, loss of profits, business or data), which arise out of or result from the information contained on this site, or any other site which is linked to this site.
Willis Temby Insurance Brokers (WA) Pty Ltd reserves the right to modify the content of this site from time to time.
Code of Practice
Willis Temby subscribes to and is a supporter of the National Insurance Brokers Code of Practice. The Code sets standards and good practice for subscribing Insurance Brokers when dealing with persons who are, or may become, an individual or small business client.
For details, please visit:
NIBA Code of Practice
Clients who are not fully satisfied with our service should Australian Financial Complaints Authority (AFCA), a free complaints consumer service, and adopt the Insurance Brokers Code of Practice. Further information is available from this office, or contact AFCA directly on 1800 931 678 or visit www.afca.org.au
85 009 087 585
Financial Services Guide and Important Notices
Download them from here.