Our Privacy Policy
At Leed Risk Services (Leed), we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
Leed will only collect Personal Information where the information is necessary for us to perform our functions as your broker. In this context, "collect" means gather, acquire or obtain by any means, information in circumstances where the individual is identifiable or identified.
When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia.
When you use forms on our website, your personal information is collected and stored on a server on the Internet. This information is not encrypted, but it is only accessible via a secure password and only authorised staff have access to it. The information is then passed on to a Leed Risk Services broker to respond to your inquiry.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg loss adjusters, medical advisers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.
We may also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, eg renewals, and our relationship with you, eg invoicing, client surveys, business planning etc.
We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If we do this we will ensure that:
- you are clearly notified of your right to Opt Out from further Direct Marketing
- there is only one use of the information before the Opt Out right is given
- you will be given an Opt Out in all further instances of Direct Marketing even if you have not previously chosen to Opt Out; and
- if you opt out of all Direct Marketing the Opt Out will be respected by Leed.
We will not use Sensitive Information for Direct Marketing.
We may use your information internally to help us improve our services and help resolve any problems.
We will not collect Sensitive Information from individuals except with consent and only where it is necessary for Leed to collect such information for an activity or function. We will not collect Personal Information secretly or in an underhanded way. We will take steps to ensure that individuals on purchased lists are or have been notified of the information as outlined in this Policy.
We will obtain your consent to use your non-sensitive personal information for any purposes other than those outlined above and that would not be considered to be within reasonable expectations.
We may use Personal Information to avoid an imminent threat to a person's life or to public safety. We may also use Personal Information for reasons related to law enforcement or internal investigations into unlawful activities.
We will not use Personal Information without taking reasonable steps to ensure that the information is accurate, complete and up to date.
Anonymous data - We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.
We will not make it mandatory for visitors to our web site to provide Personal Information unless such Personal Information is required to answer an enquiry or provide a service. We may however request visitors to provide Personal Information voluntarily to Leed (for example, as part of a competition or questionnaire).
Cookies – In order to collect this anonymous data we may use "cookies". Cookies are small pieces of information which are sent to your browser and stored on your computer's hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. Depending on your internet settings, once you leave the site, the cookie may be destroyed and no personal or other information about you will be stored. Or, the website may recognise your computer when you return in the future.
What if you don't provide some information to us?
We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We require our employees and contractors to perform their duties in a manner that is consistent with Leed's legal responsibilities in relation to privacy.
We will take all reasonable steps to ensure that paper and electronic records containing Personal Information are stored in facilities that are only accessible by people within Leed who have a genuine "need to know" as well as "right to know".
We ensure that your information is safe by implementing physical security to our premises, and password protection to all our technology resources. We implement extensive computer security measures, including protection against Internet attacks and viruses, and only authorised users have access to the information in our systems. Leed will review, on a regular and ongoing basis, its information security practices to ascertain how ongoing responsibilities can be achieved and maintained.
Leed will review, on a regular and ongoing basis, its collection and storage practices to ascertain how improvements to accuracy can be achieved.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to contractors who supply services to us, eg to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits. We may disclose personal information between Related Bodies Corporate. Where information is disclosed to such a Related Body Corporate, that Related Body Corporate is bound by the original Primary Purpose for which the information was collected. Leed will take reasonable steps to ensure that its contracts with third parties include requirements for third parties to comply with the Use and Disclosure requirements of the Privacy Act.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information please write to Peter Honey, Director, PO Box 6800, East Perth WA 6892.
We do not charge for receiving a request for access to personal information or for complying with a correction request. We do not charge for providing access to personal information.
Your consent
By asking us to assist with your insurance you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Peter Honey, Director, on 1300 881 464 or write to PO Box 6800, East Perth WA 6892.
GLOSSARY
Direct Marketing means the marketing of services through means of communication including written, verbal or electronic means. The services which are marketed may be those of Leed or a Related Body Corporate or those of an independent third party organisation.
Disclosure generally means the release of information outside Leed, including under a contract to carry out an "outsourced function".
Opt Out means an individual's expressed request not to receive further Direct Marketing.
Personal Information means information or an opinion (including information or an opinion forming part of a database), whether true or not and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained from the information or opinion.
Primary Purpose is the dominant or fundamental reason for information being collected in a particular transaction.
Reasonable Expectation means a reasonable individual's expectation that their personal information might be Used or Disclosed for the particular purpose.
Related Body Corporate means that where a body corporate is:
- a holding company of another body corporate;
- a subsidiary of another body corporate; or
- a subsidiary of a holding company of another body corporate, the first mentioned body corporate and the other body corporate are deemed to be related to each other.
Sensitive Information means:
- information or an opinion about an individual's:
- racial or ethnic origin; or
- political opinions; or
- membership of a political association; or
- religious beliefs or affiliations; or
- philosophical beliefs; or
- membership of a professional or trade association; or
- membership of a trade union; or
- sexual preferences or practices; or
- criminal record;
- Health Information about an individual.
Use means the handling of Personal Information within Leed.
Back to Top
