Certe Group is a financial services provider tailoring life insurance solutions for individual and corporate clients.
Privacy
About our Privacy Policy
This Privacy Policy outlines how we manage personal information. It applies to any personal information you provide to Certe Group and any personal information we collect, use, disclose or handle about individuals from other sources. From 21 December 2001, we have applied the Australian National Privacy Principles set out in the Privacy Act 1988 to the way we collect, use, store, disclose and destroy your personal and sensitive information.
Why we collect personal information
We collect personal information to offer, provide, manage and administer the financial services and products we and our group of companies are involved in. These include insurance broking and claims management. If you would like more information on the services and products available please contact us. We also collect personal information to be able to develop and identify products and services that may interest you, conducting market or customer satisfaction research, developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services. The usual type of personal information collected includes your name, postal or e-mail address, date of birth, financial details etc. We may also need to collect sensitive information about you in relation to life insurance, information about your membership of professional or trade associations, health information, and sexual preferences. If you do not provide the information requested, we or those involved with the provision of the service or product, may not be able to provide the appropriate type or level of service or product.
How we collect personal information
We generally collect personal information directly from the relevant individual but in some cases we may collect it indirectly from a third party. For example, an insured's representative may tell us about other persons wanting the benefit of our service or the relevant product such as a nominated driver, a director or officer or professional or other staff member. Alternatively, we may collect through our own representatives, advisers or another third party, such as loss adjusters, lawyers, insurers, health care workers, publicly available sources or witnesses to a claim etc.
Who we disclose personal information to
We have a duty to maintain the confidentiality of our clients' affairs, including personal information. Our duty of confidentiality applies except where disclosure of personal information is with our client's consent or compelled by law.
We disclose personal information to third parties who we believe is necessary to assist us in providing, managing and administering the services we provide, and products we are involved in. For example:
- our related companies and alliance partners who may wish to tell you about their services, products or promotional opportunities which may be of advantage to you, unless you tell us not to
- your representatives such as your lawyers, accountants, financial advisers etc.
- for banking and finance products - card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, insurers, reinsurers
- for financial planning and investment products and trustee or custodial services - superannuation and managed funds organisations and their advisers and organisations in which you invest
- for insurance broking and life insurance products - insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers such as loss adjusters, lawyers and accountants, and others involved in the claims handling process.
Security of your personal information
Your personal information may be stored in hard copy documents, as electronic data, or in our software or systems. We endeavour to protect any personal information that we hold from misuse and loss, and to protect it from unauthorised access, modification, and disclosure.
Transfer of information overseas
We may transfer your personal information overseas where it is necessary for the purposes described above. For example, some insurers and reinsurers are based overseas and we need to provide your personal information to them to arrange your cover.
How to contact us
If you wish to gain access to your personal information, have a complaint about a breach of your privacy or you have any query on how your personal information is collected or used, or any other matter relating to our Privacy Policy please contact us on 02 9253 7045 or email certegroup@aon.com.au.
We will respond to you as soon as reasonably possible.