Privacy Policy |
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Manufactured Homes Insurance Agency Pty Ltd (MHIA) is a proud supporter of the intent of the Privacy Act 1988 as amended by the Privacy Amendment (Private Sector) Act 2000 (the Act).
Our aim is to provide the highest service to our policyholders, and we have developed the following procedures for the fair handling of personal information.
Our Privacy Policy applies to all information collected about individuals, regardless of how or from where the information is collected.
Why we Collect Information
We collect personal information in order to appropriately address your insurance needs. Only information necessary for the completion of MHIA’s business or related activities is collected. This includes information necessary to accept the risk, to assess a claim and to determine competitive and appropriate premiums. We only ask for and take into account relevant information.
We may also collect personal information for the development of better products and services, and for conducting marketing and customer service research. We may share this information with our related companies in order to serve you better.
We collect identifying information such as name, address, contact telephone numbers and email addresses. If you are applying for a product we may offer, we may also need to collect specific information that will enable us to supply that product to you. We collect and store this information in a manner that allows us to assist you in the future.
Some products or services may require us to collect ‘sensitive information’, which may include (but is not limited to) your membership of associations, previous claims, traffic infringements and criminal records. We only collect this type of information in accordance with the Act.
If you do not agree to provide us with the information we request, we may not be able to offer you the product or service you seek.
How we Collect Personal Information
Where possible, we collect information about you from you. If we obtain this information from other sources, we take reasonable steps to advise you of this disclosure.
When you give MHIA personal information about other individuals, we rely on you to have made or make them aware that you provide their personal information to us, the types of third parties we may provide it to, the relevant purposes we and the third parties we disclose it to 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, before supplying us with the relevant information.
When you supply information via the Internet, all information you submit is held securely and is not retained on our web server. Credit card details submitted, via MHIA websites, are processed through our service providers. Other information held on our systems cannot be accessed through the Internet connection. MHIA does not collect personal information or other information from cookies, nor do we use cookies for marketing purposes. We collect generalised statistics on the web pages visited (time, date, number of “hits”) but do not record personal details of visitors to our web site.
Using and Disclosing Personal Information
This information is only disclosed to third parties where the disclosure is reasonably required to carry out MHIA’s business or activities unless you have authorised otherwise (or if required by law).
Except where you have consented to it, we limit the use and disclosure of any personal information provided to us by third parties about you, to the specific purpose for which the information was supplied.
Some examples of entities to whom we may disclose your personal information include (but are not limited to) our underwriters, loss adjusters, assessors and investigators.
Security of your Personal Information
We endeavour to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.
We may need to transfer your personal information overseas in order to properly carry out our business.
Accuracy of your Personal Information
We take reasonable steps to ensure that the personal information you provide is accurate, complete and up-to-date, whenever it is used, collected or disclosed.
If you believe that the personal information we hold about you is inaccurate, incomplete or not up-to-date please let us know.
Access to your Personal Information
You are entitled to access information about you that we have relied on in making decisions that concern your insurance with us.
To make a request for access to your personal information, please contact our Privacy Officer (see below). We will endeavour to respond to a request for personal information within 14 days.
In special circumstances, we may decline to release information but we do not do so unreasonably. Special circumstances may include, but are not limited to:
Where we decline to release information, we give you reasons and you have the right to request us to review our decision through our complaints handling procedures (see below). We provide our reasons in writing upon request.
We may request reasonable costs from you to cover retrieving and providing this information.
Changes to this Privacy Policy
We reserve the right to change this Privacy Policy at any time. We notify changes via subsequent renewal or endorsement documentation we send to you. Alternatively, you can check on the web site or request a hard copy by contacting our office (see below).
How to Contact Us
To access your personal information or for general enquiries about this Privacy Policy, please contact:
The Privacy Officer Manufactured Homes Insurance Agency Pty Ltd PO Box 3597 TUGGERAH NSW 2259
FREECALL: 1800 676 700 Telephone: (02) 4303 0300 Facsimile: (02) 4353 9027
To make a complaint about our actions in relation to your privacy or about our decision to, for example, decline to release information, please contact the Complaints Officer.
If, after investigating your complaint, you remain dissatisfied, you should refer the matter to the Privacy Commissioner’s Office in accordance with the Act.
Finally, you may also opt out of receiving materials sent by MHIA by contacting our office. |
