Definitions in this Privacy Policy
‘Our’, ‘Us’ and ‘We’ refers to Hollard Financial Services Pty Ltd (HFS), ABN 53 128 692 884 of Level 2, 58 Norwest Bvld,
Norwest NSW 2153.
‘Personal Information’ means any information that can identify an individual.
‘Related Companies’ has the same meaning as section 50 of the Corporations Act 2001 (Cth).
‘Sensitive Information’ is a sub set of Personal Information and concerns particular topics including information about
health, racial or ethnic origin, political, philosophical or religious views or affiliations, sexual preferences or practices,
memberships of professional or trade associations or trade unions or criminal records.
‘You’ refers to our customers and prospective customers. It also refers generally to users of our web site.
Our Commitment
We recognise that your privacy is very important to you. We are committed to protecting the privacy of your Personal Information
in accordance with the Federal Government’s Privacy Act 1988 (as amended by the Privacy Amendment (Private Sector) Act,
2001). The Privacy Act details National Privacy Principles that set minimum standards for how private sector organisations
should collect, use, disclose, keep secure and provide access to Personal Information. We are committed to complying with
the National Privacy Principles.
Currency and Status of our Privacy Policy
Our current privacy policy is detailed below. It is current as of and from 1 January 2008. We suggest that you read it thoroughly.
This policy may change from time to time and all changes will be posted on our web site so please check it periodically.
Alternatively, you can telephone 1300 36 7325 or e-mail HFSPrivacy@hollard.com.au
and request a copy of our most recent policy. Whenever using our web site you should read this policy in conjunction with
our Terms of Use.
Personal Information we collect, how and why we use it
The Personal Information we collect depends on the products and services you use or apply for. Typically the details we
collect and hold include your name, contact details (address, phone and fax number, email address) date of birth, gender
and payment details. We may also collect information that is specific to a particular product. We do not collect ‘Sensitive
Information’ unless it is necessary for the purposes of determining risk or for providing you with a specific product or
service. In this event we collect Sensitive Information in accordance with the National Privacy Principles. Where possible,
you have the option of interacting with us anonymously. For example, you may visit and browse our website and use some of
our online facilities without having to reveal any Personal Information. We collect your Personal Information from you in
various ways and at several different points. We may collect your Personal Information on our web site, by telephone, facsimile,
when you complete an application form for one of our products or services and forward it to our attention, enter a competition
or voluntarily participate in a survey. Wherever possible, we collect your Personal Information directly from you. There
may, however, be occasions where we collect your Personal Information from someone else. For example, where you make an
application in joint names, where it is provided to us by a third party with your consent or where we need to obtain information
from professional experts for the purposes of assessing a claim or providing you with insurance cover. If you provide Personal
Information to us about another person, we rely on you to have made or make them aware that you will, or may, provide their
information to us and the types of third parties we may provide it to, the relevant purposes we and any of the third parties
will use it for and how they can access it. If it is Sensitive Information we rely on you to have obtained their consent
on these matters. If you have not done, or will not do, either of these things, you must tell us before you provide the
relevant Personal Information. A number of interactive tools or facilities may be available on our web sites. If you use
any of these tools or facilities, we generally do not collect your Personal Information unless a particular tool permits
you to suspend or save information and recover those details at a later time. In these circumstances, your Personal Information
may be retained on our systems but is not processed or used by us except that it may be used for the purposes of online
quoting and subsequent follow up. From time to time we may request Personal Information from you through competitions or
surveys. Participation in these competitions or surveys is completely voluntary and you, therefore, have the choice of whether
or not you disclose the Personal Information requested.
Cookies and our collection of information about how our website is used
We use a cookie that collects anonymous traffic data. A cookie is a message given to a web browser by a web server and which
is then stored by the browser in a text file. Each time the browser requests a page from the server this message is sent
back which enables the user to be identified. We also collect your IP address when you visit the site to better understand
how to serve our clients. We may use the information provided by cookies and IP addresses to analyse trends, administer
the site, or for research and marketing purposes to help us better serve our clients. No information which personally identifies
you will be collected through the cookies. You can set your browser to notify you before you receive a cookie so you have
the chance to accept it and can set your browser to turn off cookies. No personally identifying information from you will
be collected as part of these cookies. We generally collect Personal Information to provide the various products and services
we offer. More specifically, we collect and use Personal Information primarily in order to establish risk and determine
premiums, process applications, service accounts, process payments, assess claims, confirm identification and protect Personal
Information from unauthorised access or to satisfy legal requirements. If we do not collect your Personal Information we
will not be able to provide you with the product or service that you are seeking. We use Personal Information we may collect
through competitions to determine prize winners, award prizes and notify winners. We use Personal Information we may collect
through surveys to assess your satisfaction with our products and services and to determine how we may better service your
needs. We, and our related companies, may also use Personal Information you provide if you chose to enter a competition
or answer a survey for research and statistical analysis.
Direct Marketing
On occasion, we, and our Related Companies, may use your Personal Information to provide you with information about the
products and services we offer. If you do not wish to receive any of this information please let us know by contacting us
on 1300 36 7325 or by sending an e mail to HFSPrivacy@hollard.com.au.
You can, however, change your mind about receiving information about our products and services at any time by contacting
us as above. Sharing and Disclosing your Personal Information We never sell, rent or trade your Personal Information. We
may share your Personal Information with Related Companies. We will not share your Personal Information with any unrelated
party except under the following circumstances:
- where a product or service you apply for is provided or supplied by or through a third party;
- where a third party, such as a mailing house, carries out activities on our behalf;
- if disclosure is otherwise required in order to provide you with a particular product or service;
- in order to ensure our ability to continue providing products and services;
- if disclosure is required for the purposes of conducting business analysis in order to improve our products and services;
- if disclosure is required by law or requested by a statutory authority;
- to an insurance broker acting on your behalf or who you have designated to act on your behalf;
- where a third party has an interest in the product or service we supply, for example a mortgagee, referral agent, distributor
or insurance intermediary;
- where it is necessary for a third party to assist us in providing our services, for example, reinsurers, insurance intermediaries,
insurance reference bureau, lawyers, accountants, loss adjusters and others involved in the claims handling process where
you have provided your consent – which may be given expressly or may reasonably be implied by your conduct.
Related and unrelated third parties to whom your Personal Information is disclosed are required to keep the information
confidential and only use it for the same purposes we are permitted to use it.
Quality and Security of your Personal Information
We aim to ensure that your Personal Information is accurate, complete and up to date. During the course of your relationship
with us we will ask you to inform us of any changes to your Personal Information. You should, however, contact us at any
time to update your Personal Information or advise us that the information we have is not accurate or complete. We are committed
to keeping your Personal Information secure and will use all reasonable precautions to protect it from loss, misuse or unauthorised
alteration, including: Physically securing external and internal premises; Maintaining computer and network security such
as user identifiers and passwords to control access to computer systems; Restricting access to your Personal Information
to employees or those who perform services on our behalf who are authorised to handle your Personal Information and on a
‘need to know’ basis; Entering into confidentiality agreements with relevant employees and third parties; Appropriate training
of staff; Retaining your Personal Information for no longer than it is reasonably required to service a policy or continue
to provide any products and services requested by you, unless we are required by law to retain it for longer; Taking reasonable
steps to destroy or de identify Personal Information that we no longer require.
Access to and correction of your Personal Information
You may generally access the information we hold about you and request corrections. This right is, however, subject to the
exceptions detailed in the National Privacy Principles. For example, we may refuse access where:
- the information may have an unreasonable impact on the privacy of others;
- the request is frivolous or vexatious;
- the information relates to existing or anticipated legal proceedings;
- the information would reveal our intentions in relation to negotiations in such as way as to prejudice those negotiations.
If we deny you access we will let you know why.
Where providing access would reveal evaluative information in connection with a commercially sensitive decision-making process,
we will provide an explanation for the decision rather than direct access to the information. In most cases, you may access
a summary of your Personal Information at no cost to you by telephoning us on 1300 36 7325 or emailing
HFSPrivacy@hollard.com.au.
For access to complex or Sensitive Information or more detailed requests for access to your Personal Information, for example,
access to information that is archived, we may require you to place your request in writing and charge you a fee for our
reasonable costs of retrieving and supplying the information to you. In all cases you will be asked to verify who you are
before your Personal Information is provided. All requests for Personal Information will be handled in a reasonable period
of time.
Quality and Security of your Personal Information
If you have any questions, suggestions or complaints about our privacy practices or this privacy policy, please email HFSPrivacy@hollard.com.au. We will respond to your question, suggestion
or complaint as soon as possible. You can obtain information on privacy issues in Australia by visiting the Australian Federal
Privacy Commissioner’s web site located at www.privacy.gov.au or
by telephoning 1300 363 992.