PI Privacy Statement
Apia is a member of the Suncorp Group (referred to as ”the Group”)
Apia is serious about protecting the privacy of your personal information. We are bound by the Privacy Act to guide us in our responsible handling of your personal information. Care will be taken to protect the privacy of your personal information.
What is personal information?
It’s the information about an individual by which their identity can be reasonably determined.
Why do we collect personal information?
We collect personal information so that we can:
- identify you
- establish your requirements and provide products or services
- set up and manage our products and services
- assess and manage a claim
- understand your needs and improve our products and services through research, product development and training.
We provide your personal information to other related companies in the Group. These companies may use and disclose your personal information for the purposes described above in relation to products and services they provide to you. They may also use your personal information to provide products and services to other customers, but they will not disclose your personal information to any other customer without your consent.
What happens if you don’t give us your personal information?
If we ask for your personal information and you don’t give it to us, we may not be able to provide you with any, some, or all of the features of our products or services available to you.
At all times, we will respect and protect the privacy of your personal information.
We use and disclose your personal information for the purposes we collected it. We will use and disclose your personal information for related purposes where you would reasonably expect us to.
We may disclose your personal information to and/or collect your personal information from:
- other companies within the Group
- any joint ventures where authorised or required
- information technology providers, such as hardware/software vendors and programmers
- customer or market research organisations
- intermediaries such as your agent, adviser, broker, a representative acting on your behalf, other Australian Financial Services Licensees, or our own authorised representatives and agents
- policy holders, where you are an insured person, but not the policy holder
- government, law enforcement or statutory bodies
- Financial Ombudsman Service
- other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers, and investigative service providers
- in the case of a relationship with a corporate partner such as a bank or credit union, the corporate partner and any new incoming insurer
- legal, accounting, finance and other professional advisers
- hospitals, medical and health professionals
- administration or business management services
- printers, mail service and delivery providers
- imaging and document management services.
We disclose your personal information and/or collect personal information about you from persons overseas. We do this if you ask us to or a law requires or authorises us. When disclosing your personal information overseas we will always respect and protect the privacy of your personal information.
We also disclose your personal information overseas to other companies in the Group, where a business function is outsourced or if we need to complete an electronic transaction or any other transaction on your behalf.
How can you access your personal information?
Simply give us a call to request access. Sometimes we might not be able to provide some of your personal information. If this happens we’ll tell you why. If it looks like it might take longer to retrieve your personal information than we first expected, we’ll tell you when it should be available. For some detailed requests we may charge a fee to cover retrieval costs.
Using your personal information to market to you.
We and the other companies in the Group would like to use and disclose your personal information to keep you up to date with the range of products and services available from us and the Group. Where we can, we will ask for your consent to market to you. We will not market to you if you have declined consent. Other companies in the Group will not market to you if you have told them otherwise.
However, we may not always be able to ask you for your consent. If we have not asked you, we and other companies in the Group will use and disclose your personal information for marketing purposes until you tell us or the other relevant company otherwise. This includes using your personal details such as your address, email, mobile or home phone number as a means of communicating with you.
If you have multiple products and services with different companies in the Group, you will need to tell each of those companies that you no longer wish to receive marketing from them.
If you have a complaint
If you have a complaint about the privacy of your personal information, we ask that you contact us. We endeavour to resolve all disputes promptly and fairly. If however, you are not satisfied with the outcome, you may refer your complaint to the Federal Privacy Commissioner.
Please feel free to contact us to:
- tell us your marketing preferences
- request access
You can contact us by calling 1300 301 799
Australian Alliance Insurance Company Limited ABN 11 006 471 709 (AAI) AFS Licence No. 235011, Level 7, 447 Collins Street, Melbourne 3000, is the issuer for policies effected by Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 (Apia).
Australian Pensioners Insurance Agency Pty Limited is an authorised representative and wholly owned subsidiary of AAI, and acts as AAI's agent under an authority given to it by AAI to enter into contracts of general insurance on behalf of AAI as insurer and deal with and settle claims on behalf of AAI.
GIO General Limited ABN 22 002 861 583 (GIO) AFSL No. 229873, Level 18, 36 Wickham Terrace, Brisbane QLD 4000, is the issuer of Compulsory Third Party Personal Injury (CTP) Insurance policies and Australian Pensioners Insurance Agency ABN 11 006 471 709 (AAI) AFS Licence No. 235011 acts as agent and authorised representative of GIO for this product.
1. Accuracy of Information
The Content has been compiled from a number of sources and is accurate at the time of its inclusion on the website. Information on which the Content is based and the Content itself are subject to change without notice. We will endeavour to update the Apia Website as soon as practical after making any changes.
2. Information about general insurance products
Where the Apia Website refers to or discloses any information about Apia branded general insurance products, the information on this Apia Website is provided by Apia and is general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure Statement (PDS)before making any decision about a product detailed on the Apia Website.
AAI, is the issuer for general insurance policies effected by Apia Apia is an authorised representative and wholly owned subsidiary of AAI, and acts as AAI's agent under an authority given to it by AAI to enter into contracts of general insurance on behalf of AAI as insurer and deal with and settle claims on behalf of AAI.
3. Information about Apia Financial Advice
Where the Apia Website refers to or discloses information about Apia Financial Advice including any product or services it provides, those products and services are being provided by Standard Pacific Consulting Limited ABN 84 003 315 802 AFSL No 237635 (Standard Pacific). Standard Pacific is a related body corporate of Apia and uses the trading name Apia Financial Advice. Apia does not provide any financial advice or services in respect of Apia Financial Advice. Apia does not issue or guarantee any product nor is responsible for any advice provided by APIA Financial Advice.
When you enter personal information into the Apia Website or provide personal information to Apia Financial Advice, that information will be collected by Apia Financial Advice and you will be subject to Apia Financial Advice’s Privacy Statement which can be found at Standard Pacific’s AFA Privacy Statement.
4. Intellectual Property
The Content is either owned or licensed by Apia, provided by another company in the Suncorp Group, or is the intellectual property of Apia or its licensors. All content is protected by copyright, trademark and common law. Nothing on this website grants, or shall be construed as granting, any license, sub-license or right to use any of the trademarks appearing on it.
Except where necessary for viewing the Content on your browser or as a permitted use under the Copyright Act 1968 (Cth) or other applicable law, no material on the Apia Website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form or by any process, for any commercial purpose without the specific written consent of Apia.
You must not use the Content for any illegal or unlawful purpose.
5. Links to Other Sites
The Apia Website may contain links to other sites independently maintained by others. As Apia does not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on any linked sites. The provision of a link to another website does not mean that AAI makes a recommendation or gives any endorsement or approval of any products or services displayed on those other sites.
Apia is also not responsible or liable for any links to any other web sites or tools on the web sites of related bodies corporate or third parties.
6. Limitation of Liability
Subject to any responsibilities or liabilities implied by law and which cannot be excluded by law, neither AAI or Apia or any companies related to AAI or Apia nor any director, officer, employee, consultant or agent thereof accepts any responsibility or liability for any loss or damage arising in any way (including by reason of negligence) for errors in and omissions from the Content and does not accept any responsibility nor owe any duty of care to any person acting or refraining from acting as a result of information on the site.
7. Restrictions on use of the Apia Website
The Content in this Apia Website is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this website, you agree to abide by the terms and conditions of use contained in this clause and clause 8.
You agree that you will not (either yourself or through any third party):
(a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on this Apia Website, or any of the information, content or data contained within or accessible through the Apia Website, without Apia’s prior written permission;
(b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Apia Website with information, content or data accessible via or sourced from any third party;
(c) use any information on or accessed through the Apia Website for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
(d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of the website or any transaction or process being conducted on or through it;
(e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Apia Website;
(f) reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Apia Website; or
(g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Apia Website without Apia’s prior written permission.
8. No use of the Apia Website for unrelated persons
You must only use this website to:
(a) obtain insurance quotes;
(b) obtain other information relating to the price of insurance cover from Apia; or
(c) conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries, in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.
You agree not to otherwise use the website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from Apia or conduct insurance-related transactions or queries.
You also agree to indemnify Apia and/or AAI in respect of any liability incurred by Apia and/or AAI for any loss, cost damage or expense, howsoever caused, suffered by Apia and/or AAI as a result of your breach of this clause 8.
This Apia Website is for access and use by Australian residents only. Some of the Content may be limited in its application to specific States and/or Territories of Australia.
10. Linking to Apia
Linking to the Apia Website is only permitted when authorised in writing by Apia. Please contact Apia if you would like to link to any part of the Apia Website.
Please note that our website terms and conditions were last changed on 15 July 2010.