CHU Underwriting Agencies Pty Ltd is covered by the Federal Privacy Act and its National Privacy Principles (NPPs), which set out standards for the collection, use, disclosure and handling of personal information.
Personal information is essentially information or an opinion about a living individual whose identity is apparent or can reasonably be ascertained from the information or opinion (e.g. a name and address).
Our Privacy Policy applies to any personal information we collect, use, or disclose after 21 December 2001. It does not apply to our employee records, to which appropriate levels of confidentiality are applied in any case.
You are able to visit our website without providing any personal information. We will only collect personal information with your prior knowledge.
Email addresses are only collected if you send us a message and will not be automatically added to a mailing list.
We collect personal information either directly from relevant individuals or indirectly from third parties. For example, we may obtain personal information from past insurers, witnesses to claims, health care workers and publicly available sources.
We collect personal information to be able to provide our insurance services which include underwriting and reinsurance and claims management.
We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent).
We have a duty to maintain the confidentiality of our clients’ affairs, including personal information. Our duty of confidentiality applies except where disclosure of your personal information is with your consent or compelled by law.
We may need to disclose personal information to third parties including our related companies, insurers, reinsurers, (who may be located overseas), other insurance intermediaries (including authorised representatives), insurance reference bureaux, credit reference agencies, our advisers and those involved in the claims handling process (including assessors, investigators, lawyers and accountants), for the purpose of assisting us and them in providing relevant services and products including arranging and managing your insurance needs, or for the purposes of litigation. We may disclose personal information to people listed as co-insured on your policy, and to family members or agents authorised by you. We may also disclose information to organisations which conduct customer service surveys on our behalf. We will request your consent to any other purpose.
We take reasonable steps to ensure that your personal information is accurate, complete and up to date whenever we collect or use or disclose it. If the required information is not provided, we or any involved parties may not be able to provide appropriate services.
When you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, the purposes for which we use it, the types of third parties we disclose it to and how they can access it (as described in this policy). If it is sensitive information we rely on you to have obtained their consent to the above.
If you have not done either of these things, you must tell us before you provide the relevant information. If we give you personal information, you and your representatives must only use it for the purposes we agreed to. Where relevant, you must meet the requirements of the National Privacy Principles set out in the Privacy Act 1988, when collecting, using, disclosing and handling personal information on our behalf. You must also ensure that your agents, employees and contractors meet the above requirements.
We endeavour to protect any personal information that we hold from misuse and loss and to protect it from unauthorised access, modification and disclosure.
We may transfer your personal information overseas where it is necessary to provide our services. Some insurers and reinsurers are based overseas and we may, at some stage, have a need to transfer personal information to them to arrange your cover. In most instances we would only do this with your consent.
If we send you any information about services or products, or you do not want us to disclose your personal information to any other organisation (included related bodies corporate) you can opt out by calling our offices and detailing your wishes.
If you wish to gain access to your personal information, or you want us to correct or update it, or you have a complaint about a breach of your privacy, or any other query relating to our Privacy Policy, contact our Privacy Officer during business hours on:
Phone: 1300 361 263
Fax: 1300 361 269
Postal Address: The Privacy Officer,
CHU Underwriting Agencies Pty Ltd
PO Box 507, Milsons Point NSW 1565