Standard Terms of Use for Website
Australian Alliance Insurance Company Limited ABN 11 006 471 709 (AAI) AFS Licence
No. 235011, Level 4, 440 Collins Street, Melbourne 3000, is the issuer for policies
effected by InsureMyRide Pty Limited ABN 75 121 676 293.
InsureMyRide 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 insurance on behalf of AAI as insurer and deal with and settle claims
on behalf of AAI. This domain name and website are owned by AAI and operated by
InsureMyRide. The Terms of Use (including the Privacy Statement) govern your access
to and use of the information, text, graphics and materials on the website ("Content")
and the computer storage, processing and use of your personal information.
InsureMyRide reserves the right to vary the Terms of Use (including the Privacy
Statement) at any time by publishing the varied provisions on this website. You
accept and agree that by doing this InsureMyRide has provided you with sufficient
notice of the variation.
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 website as soon as practical after making any changes.
2. Advice
This website contains 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)
and policy wording before making any decision about a product detailed on
this website.
3. Intellectual Property
The Content is owned or licensed by InsureMyRide, is the intellectual property of
InsureMyRide or its licensors and 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 this
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 InsureMyRide.
You must not use the Content for any illegal or unlawful purpose.
4. Links to Other Sites
This website may contain links to other sites independently maintained by others.
As InsureMyRide 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 InsureMyRide makes
a recommendation or gives any endorsement or approval of any products or services
displayed on those other sites.
5. Limitation of Liability
Subject to any responsibilities or liabilities implied by law and which cannot be
excluded by law, neither AAI or InsureMyRide or any companies related to AAI or
InsureMyRide 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.
6. Jurisdiction
This 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.
The website and these Terms of Use will be governed exclusively by the law of the
State of New South Wales, Australia.
SUNCORP PRIVACY POLICY
We are committed to ensuring that your personal information is protected.
It is important to understand that our companies provide a wide range of financial
services and products and our companies may use and disclose your personal information
in different ways.
Who are WE?
Suncorp is the name we use to describe ourselves. Suncorp-Metway Limited is the
owner of a group of companies that offer a range of financial products and services
in banking, general insurance, life insurance, superannuation and investment products
across Australia and New Zealand.
Suncorp consists of a large number of different companies and well known brands
including:
Our bank
Suncorp
Our general insurance brands
Suncorp
GIO
Vero
AAMI
Australian Alliance Insurance
Apia
CIL
Just Car Insurance Agency
Comprehensive Travel
InsureMyRide
Shannons
Bingle
Terri Scheer
APUA
Our life and wealth management brands
Suncorp
Asteron
Tyndall
Guardian Financial Planning
NZ Guardian Trust
Cameron Walshe
Standard Pacific
Our other financial products or services brands
Australian Surety
Deposit Power
What does our Privacy Policy do?
Our Privacy Policy is designed to provide you with general information about how
Suncorp collects, stores, uses and discloses your personal information.
All companies at Suncorp adhere to privacy legislation and this Privacy Policy.
However, as our products and services differ and we engage in a variety of different
activities, your personal information will be collected, used and disclosed in the
ways necessary for that particular Suncorp business to provide you with the product
or service.
When you decide to purchase or acquire a product or service from us, we will provide
you with further information about privacy in the form of a Privacy Statement or
a Charter ('Privacy Statement'). This Privacy Statement will give
you specific information about how we will handle the personal information you have
given Suncorp. We may also seek your specific consent in relation to the collection,
use or disclosure of your personal information. You may also deal with us because
you are a third party who is involved with one of our companies, for example, you
are in a car accident with our insured or we interview you as a witness or a party
associated with our insured for the purpose of the investigation and management
of the insured's claim. We will collect, use and disclose your personal information
in accordance with privacy legislation and this Privacy Policy.
If you wish to obtain information about how your personal information is being dealt
with by one of our businesses then you should contact them directly.
What is "personal information"?
Personal information is information about an identifiable individual and includes
facts or an opinion about you that identifies you or by which your identity can
be reasonably determined.
Personal information also includes "sensitive information" which is also personal
information and which is about your:
health;
political opinions;
membership of a political, professional or trade association;
racial or ethnic origin;
religious beliefs or affiliation;
philosophical beliefs;
membership of a trade union;
sexual preferences or practices;
criminal record; or
genetic information.
Suncorp collects, uses or discloses personal information in accordance with its
obligations under the Australian and New Zealand privacy regimes and this Privacy
Policy.
What type of personal information do we ask you for?
We will usually ask you for a broad range of personal information.
The specific type of personal information which we will collect will depend on which
of the companies in our group you do business with and the type of product or service
you choose from us. The details of exactly what personal information we need will
be found on:
the written forms we ask you to complete;
the questions we ask you on the telephone;
our web sites via the internet; or
what we ask you in person in our branches, service centres or stores.
You can expect to be asked for the following types of personal information:
your name, address and contact details;
date of birth;
your gender; or
information about your use of our product or service.
As we are a financial services group providing a range of banking, life and wealth
and general insurance products and services, depending on the product or service
you choose, you can also expect to be asked for some of the following types of personal
information:
insurance history
employment information
your marital status and family circumstance
health and pastime information
tax file number
details about your home, your contents, your holiday, your car, your business, your
finances or your credit history
bankruptcy record
How do we store your personal information?
We store your personal information in a variety of ways. These may include:
in computer systems or databases;
in hard copy or paper files; and
in telephone recordings.
Why do we need your personal information?
The collection of your personal information is essential to enable us to conduct
our business of offering and providing our range of financial products and services.
We generally collect your personal information for the purposes of:
identifying you when you are doing business with us;
protecting your personal information from unauthorised access;
establishing your requirements and providing you with the appropriate product or
service;
setting up, administering and managing our products and services;
assessing and investigating a claim made by you under one or more of our products;
and
understanding your needs and improving our financial products and services, including
training and developing our staff and representatives.
In some parts of our group we are required to collect your personal information
to satisfy our legal obligations, even when you may not be sure why it is relevant.
Examples include under the Anti-Money Laundering and Counter Terrorism Financing
Act (Cth) and the Corporations Act (Cth) in Australia.
How do we get your personal information?
If we can, we collect your personal information from you.
You give us your personal information in a number of ways such as completing an
application form, requesting a product or service over the phone or Internet, or
by visiting a branch in person. We also collect personal information at other times
during the course of our relationship with you. This may be when you advise us of
a change in contact details, renew your policy, make a claim or seek a variation
to the terms of a loan you may have with us.
We may not be able to always collect your personal information from you directly.
Sometimes we collect your personal information from other sources. Examples of where
we may receive personal information about you from another source and why this may
happen are:
a credit reference about you from a credit reporting agency in the course of assessing
your application for a loan;
your employer and/or the trustee in the course of establishing and administering
your membership of a superannuation fund or group life insurance policy;
an insurance investigator or insurance reference service in the course of assessing
your claim under, or request for, a policy of insurance;
other insurance companies if we need to confirm your insurance history during the
course of reviewing an application for insurance, or assessing a claim under a policy;
a third party or witness in relation to an insurance claim;
accounting or finance specialists in the course of assessing a claim; hospitals,
medical and other health professionals in the course of assessing your claim under
a policy of insurance, or determining your eligibility for an insurance product;
your agent, where you have appointed an agent to act on your behalf in dealing with
us, such as a broker, legal adviser or other representative such as a friend or
family member;
publicly available sources of information such as telephone directories;
government agencies including in New Zealand, the Ministry of Justice for confirmation
of traffic or criminal convictions in a claim and in Australia, AUSTRAC for blacklisted
names or the Australian Securities and Investment Commission for banned directors
and officers;
a third party to whom we have contracted to provide a Suncorp financial service
or product to our customers, for example, our Suncorp Clear Options Cards;
where required or authorised under our relationships with our joint venture companies;
market research organisations for the purpose of product development, customer research
or marketing.
Do we need your consent to collect, use and disclose your personal information?
The privacy legislation in Australia and New Zealand does not always require us
to seek your consent to the collection, use and disclosure of your personal information.
However, in compliance with the privacy regimes there are some circumstances where
we are required to or choose to ask you for your consent.
We may ask for your express consent or infer your consent.
We will obtain your express consent by asking you to:
provide positive verbal consent such as "Yes" or "I agree";
read and sign a consent form;
read and sign a document which may also contain a consent request;
We will also respond to your express requests for contact, for example, if you ask
us to call you or contact you at a certain pre-arranged time or frequency.
During our business relationship with you and depending on the products and services
you choose from Suncorp, we may ask for your express consent on a number of occasions.
We may also infer your consent in certain circumstances. Your consent may be inferred
by:
your conduct with us such as:
continuing your telephone call with us, after you have heard the recorded message
telling you the call may be recorded;
continuing to speak to a person at a branch or service centre when they are asking
you questions;
when you send us or provide us with personal information voluntarily; and
our business relationship with you such as:
you purchasing or acquiring a product or service from us.
Are there any additional requirements we comply with when we contact you or
need to obtain consent?
There are a number of other legislative regimes that influence how we deal with
your personal information and other information that we collect from you.
If we send you electronic commercial messages via e-mail or SMS, we may infer your
consent to being contacted in this manner, where you e-mail or SMS us your electronic
address and you require or ask for a response using that same medium, or, when you
raise no objection to our advised, intended communication with you in this manner.
This type of communication is covered under the spam and unsolicited electronic
messages legislative regime in Australia and New Zealand.
If Australia, if we telephone you, we may have to comply with anti-hawking requirements
under the Corporations Act 2001 (Cth) and the Do Not Call Register Act
2006 (Cth). However, although you may have placed your telephone number
on the Do Not Call Register and are an existing customer of Suncorp, you will still
need to contact us directly and advise us if you do not wish to receive direct marketing
contact from us.
How do we use and disclose your personal information that we have collected?
We use and disclose your personal information for the purposes for which we collected
it.
In Australia, we may also use and disclose your personal information for a secondary
purpose related to the purpose for which we collected it, where you would reasonably
expect us to use or disclose your personal information for that secondary purpose.
In the case of sensitive information, any secondary purpose, use or disclosure will
be directly related to the purpose of collection.
In New Zealand, we may use and disclose your personal information for a secondary
purpose only if that secondary purpose is directly related to the purpose of collection.
We may also use and disclose your personal information to another party in other
circumstances in compliance with the privacy regimes in Australia and New Zealand
including where:
you have given express or inferred consent or authorised us to do so;
we are required or authorised by law to disclose your personal information, for
example, to a court in response to a subpoena or to the Australian Taxation Office,
to AUSTRAC as part of our reporting requirements or a direction issued by the New
Zealand Inland Revenue Office.
Do we use and disclose your personal information for research and product development
and enhancement purposes?
Suncorp is interested in knowing what sorts of products and services will best meet
the needs of our customers. To do this, we need to engage in research and development
processes across Suncorp.
This may mean conducting research tasks such as market research or it may mean developing
specific customer propositions for our customers by looking at the products you
already have purchased from Suncorp.
Where possible and practicable, we will use aggregated or de-identify information
to conduct our research and product development. However, sometimes we may need
to use personal information to understand how we can improve our products and enhance
your experience with us.
We may perform these research tasks in-house, or we may outsource the activity to
a third party. If we do outsource to a third party we will ensure they comply with
the Australian and/or New Zealand privacy regimes.
Do we use and disclose your personal information for marketing purposes?
We would like to use and disclose your personal information to keep you up to date
with the range of products and services available from Suncorp. Generally, our companies
in the Suncorp group will use and disclose your personal information for Suncorp's
marketing purposes.
We will not use your personal information for marketing purposes if:
the company you do business with at Suncorp does not use or disclose your personal
information for the purposes of marketing other Suncorp products or the products
of third parties;
the company you do business with at Suncorp has an opt-in consent model for marketing
and has not obtained your consent;
you have told us that you do not wish to receive all or some marketing material;
or
you deal with us via an intermediary who is acting on your behalf.
Suncorp will only use and disclose your personal information for the purposes we
have told you in this Privacy Policy and our Privacy Statements and in compliance
with the privacy regimes in Australia and New Zealand.
We will not use and disclose sensitive information for the purposes of marketing.
How do you tell us you do not want us to use and disclose your personal information
for marketing purposes?
If you do not want us to use and disclose your personal information for the purpose
of marketing products and services to you, you should contact us and tell us.
You can tell us by:
calling the number provided to you in the information and product documentation
you received when you selected your product or service from us;
emailing the business via their email address available in your product documentation
or via our internet site; or
visiting one of our branches, service centres or places of business;
If you have told us you no longer wish to receive information about a Suncorp brand
product and/or service, we will not contact you about any other products or services
that Suncorp brand offers. You can, however, change your mind about receiving information
about our products and services at any time - just let us know.
You should be aware that often the law requires us to provide you with certain information
about the product or service you have chosen to receive from us. You will continue
to receive this type of information from us even if you have decided not to receive
information about our products and services generally.
Who do we usually disclose your personal information to and receive personal
information from?
The parties to whom we may disclose your personal information to and receive personal
information from will depend on which company in our group you do business with,
and what product or service you receive from us. Some examples of the parties to
whom we may disclose your personal information to and receive personal information
from are:
other companies within the Suncorp group;
intermediaries including your agent, adviser, a broker, a representative acting
on your behalf, other Australian Financial Services Licensee or our authorised representatives
and our agents;
accounting or finance specialists;
customer research organisations;
trustees or employers associated with superannuation funds or group insurance policies;
government, law enforcement or statutory bodies;
Financial Ombudsman Service, Financial Industry Complaints Service, Superannuation
Complaint Tribunal;
other insurers, financial institutions, insurance and claims reference agencies,
credit agencies loss assessors, financiers or investigative service providers;
mortgage insurers;
where required or authorised under our relationship with our joint venture companies;
legal and other professional advisers; and
hospitals, medical and health professionals.
Suncorp will only disclose your personal information to and receive personal information
from these parties, for the purposes we have told you in this Privacy Policy and
our Privacy Statements and in compliance with the privacy regimes in Australia and
New Zealand.
In the course of operating our business and to better understand your needs and
improve our financial products and services, we may disclose your personal information
to persons who may appear to be unrelated to us or the provision of products and
services to you. These people are service providers who assist us in our business
and who make the provision of our services and products better.
Many of these service providers work in the background for us and are essential,
because they allow us to continue providing you with the level of service you have
come to expect from Suncorp. Examples of the types of services and service providers
are:
information technology providers, including hardware and software vendors and consultants
such as programmers;
administration or business management services, including consultancy firms, auditors
and business management consultants;
research and development service providers;
printers and mail service and delivery providers for the mailing of statements,
insurance policy documents and marketing material;
imaging and document management services and
manufacturers for plastic card production e.g. debit cards.
These service providers provide us with a wide range of back office, administrative
and business management services. Where we do disclose your personal information
to these service providers we have either entered into contractual arrangements
with them to protect your personal information, or they are subject to strict privacy
rules and must also comply with our Privacy Policy and the privacy regime. Suncorp
will only disclose your personal information to and receive personal information
from these service providers, for the purposes we have told you about in this Privacy
Policy and our Privacy Statements and in compliance with the privacy regimes in
Australia and New Zealand.
Do we disclose your information to people overseas?
We operate in Australia and New Zealand. Our business is trans-Tasman and therefore
we will have instances where for the purposes detailed in our Privacy Policy and
our brand Privacy Statements, we may send your personal information to other companies
in Suncorp who are in either in Australia or New Zealand.
There are also other instances where we may have to send your personal information
overseas or collect personal information from overseas. These instances include:
when you have asked us to do so;
when we are authorised or required by law to do so;
when we have outsourced a business activity or function to an overseas service provider
with whom we have a contractual arrangement;
certain electronic transactions; or
it is necessary in order to facilitate a transaction on your behalf, for example,
you are injured or hospitalised overseas and we are completing a travel insurance
or assessing a life insurance or personal injury claim on your behalf.
Suncorp will only send your personal information overseas or collect personal information
about you from overseas for the purposes we have told you about in this Privacy
Policy and our Privacy Statements and in compliance with the privacy regimes in
Australia and New Zealand.
What will happen if you do not provide your personal information to us?
If we request personal information about you and you do not provide it, we may not
be able to provide you with the financial product or service that you request or
manage or pay any claim under and insurance policy.
In addition, if we are required to comply with certain legislation to provide you
with the products and services you choose, then collection of certain personal information
will be mandatory.
What if you want to be anonymous?
Generally, it is not possible for us to provide you with our products and services
unless we have identified you and in some cases, such as when you wish to open a
bank account or invest with us or you withdraw funds from your superannuation, the
law requires that you identify yourself to us.
If it is lawful and practicable to do so, we may offer you the opportunity to deal
with us anonymously. For example, when making an inquiry about current interest
rates applicable on term deposits or the type of products or services we offer.
What if you want to know what personal information we hold about you?
You can request access to the personal information we hold about you by contacting
us.
If accessing your personal information will take an extended period of time, we
will inform you of the likely delay. For more detailed requests for access to personal
information, for example, access to information held in archives, a fee may be charged
to cover the associated cost of retrieval and supplying this information.
If you wish to lodge a request to access your personal information you can contact
us by:
calling the number provided to you in the information and product documentation
you received when you selected your product or service from us;
emailing our business via our email address available in your product documentation
or via our internet site; or
visiting one of our branches, service centres or places of business;
Are we able to deny your request for access to your personal information?
In some circumstances we are able to deny your request for access to personal information.
The privacy regimes in Australia and New Zealand outline circumstances under which
we may not agree to allow you access to some or all of the personal information
that you have requested. The types of circumstances where we may deny you access
to personal information include where the:
request is frivolous or vexatious;
disclosure may prejudice the prevention, investigation and detection of offences
or relate to existing or legal proceedings; or
disclosure would have an unreasonable impact or involve the unwarranted disclosure
of the affairs of another individual.
If we deny your request for access, we will tell you why.
It is important to note there are a number of reasons which may also prevent us
from giving you access to your personal information simply because it is not practicable.
For example:
we may not hold any personal information about you;
you have asked for personal information about someone else and are not authorised
to do so;
we no longer have the personal information you are asking for, as it has been destroyed
or de-identified.
Do we keep your personal information up-to-date?
We rely on the accuracy of the personal information we hold about you to efficiently
provide our financial products and services to you.
We will take reasonable steps to ensure that any personal information about you
which we collect, use or disclose is accurate, complete and up-to-date. This includes
taking reasonable steps to correct inaccurate, incomplete or out-of-date personal
information, if you have asked us to do so.
If we disagree with your request for correction of your personal information, we
will attach a statement to the information of the correction that you seek but which
has not been made.
Do we keep your personal information secure?
We will take all reasonable steps to protect your personal information from loss,
misuse, unauthorised access, modification or disclosure.
We protect your personal information by:
limiting physical access to our premises to authorised people;
restricting access to personal information;
entering into confidentiality agreements with all employees, contractors and third
party organisations that may have access to your personal information - but providing
access for the purposes we have told you about in our Privacy Policy and Privacy
Statements;
having in place stand-by systems and information backups to deal with major business
interruptions;
maintaining technology products to prevent unauthorised computer access;
regularly reviewing and testing our technology in order to improve the level of
security;
destroying or de-identifying your personal information when it is no longer required
by law or our record retention policies.
Do we collect your personal information electronically or via the Internet?
If you use our transactional or information web sites and communicate with us via
your computer or via sms on your mobile then we may collect your personal information.
Our web sites rely on "cookies" to provide a number of services to you. A cookie
is a piece of data that an Internet site sends to your browser and which may then
be temporarily stored on your computer. Cookies generally allow the Internet site
you are browsing to interact more efficiently with your computer. The cookies we
use are non-persistent, meaning that they allow you to be logged in and operate
efficiently with our web sites but once you have logged out of your session the
cookies are no longer active.
Usually you can set your browser to notify you before you receive a cookie, so that
you can decide whether to accept it, however sometimes, if you do not accept a cookie
it may affect your use of our web site.
The cookies used by Suncorp are not used to track your specific or personal browsing
habits. Suncorp does use these cookies to collect statistical information, such
as how many visitors our Internet sites receive and how these users interact with
the site, however, the information is specific to the session and where that person
went, not who that person is. Suncorp collects and uses this de-identified information
to maintain and improve the operation of our Internet sites.
Security of your personal information online
Suncorp maintains industry standard technology and procedures in respect to its
information management and provision of online services. Suncorp has an ongoing
program of review and enhancement of its security measures. The reviews and updates
address such matters as policies, processes and procedures,and technology reviews
such as software, virus protection and fire wall settings.
E-mail transmissions, such as sending us an email via Outlook, Outlook Express,
Hotmail or Gmail, are not necessarily secure. If you have any concern about the
security of the contents of your e-mail or any other transaction over the Internet
then you should consider contacting us by other means, such as telephone or visiting
a branch or service centre.
Suncorp does however employ encryption techniques similar to other financial institutions
and internet transactions systems globally. If you make a transaction involving
the submission of personal information over the Internet to Suncorp using one of
our online forms or via "Secure Messages" then Suncorp employs encryption technology
to ensure the security of that personal information transmission.
Once Suncorp has received your personal information, it is stored and protected
by a range of security controls including firewalls, user identification requirements
and audit trails. Suncorp's systems and information technology infrastructure are
regularly audited both by internal and external experts and regulatory bodies.
Can you complain about a breach of your privacy?
Yes you can. Please complain to us first. We would like to try and resolve your
privacy complaint.
If you believe that Suncorp has not protected your personal information as set out
in this Privacy Policy you may lodge a complaint with us by:
calling the number provided to you in the information and product documentation
you received when you selected your product or service from us;
emailing the business via their email address available in your product documentation
or via their internet site; or
visiting one of our branches, service centres or places of business;
If you are a New Zealand customer, please complain by contacting the Privacy Officer.
Their contact details are:
New Zealand Privacy Officer
Private Bag 92120
Auckland 1142
New Zealand
What if you are not satisfied with our response to your complaint?
If you are not satisfied with our response, you can refer your complaint to the
relevant Privacy Commissioner.
In Australia.
You can contact the Federal Privacy Commissioner:
By telephoning: 1300 363 992
By writing to: Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney, NSW 2001
In New Zealand.
You can contact the Privacy Commissioner:
By telephoning - Auckland - 302 8655,
By telephoning - from outside Auckland - 0800 803 909
By writing - Auckland - PO BOX 466 Auckland
By writing - Wellington - PO BOX 10-094 Wellington
Does our Privacy Policy change?
Suncorp reviews its policies, statements and procedures to keep up to date with
changes in the law, technology and market practice. As a result we may update and
change this Privacy Policy from time to time. If you have a concern or query about
this Privacy Policy and how it operates please contact:
