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Last update 2011-05-31
Cover-More Travel Insurance (“Cover-More”) is committed to protecting your privacy as per the Privacy Act 1988(Cth). This privacy policy describes how Cover-More collects, uses and discloses your personal information. This Privacy Policy applies to the Cover-More website www.covermore.com.au and governs data collection and usage. By using the Cover-More website, you consent to the data practices described in this policy.
The Privacy Amendment (Private Sector) Act, 2000 sets out a number of National Privacy Principles (NPPs). Our aim is to both support and ensure that we comply with these principles. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Federal Privacy Commissioner at http://www.privacy.gov.au.
As a financial services organisation we are subject to certain legislative and regulatory requirements which necessitate us to obtain personal information about you, including the Corporations Act. Personal information will be treated as confidential information.
Cover-More may collect and store information provided by you when you use our website for the purpose of providing insurance services to you.
The information we typically collect may include your name, address, contact details, age, gender, declared medical conditions or other information which identifies you personally (“Personal Information”).
Without your consent we will not collect sensitive information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership of professional or trade association, membership of a trade union, details of health, disability, sexual orientation, or criminal record. This is subject to some exceptions including: the collection is required by law; and when the information is necessary for the establishment, exercise or defence of a legal claim.
Cover-More may collect non-personally identifiable information such as the type of your browser, operating system, domain name, IP address, access times, referring website addresses and pageviews. Our Internet Service Provider (“ISP”) automatically identifies your computer by its IP address. When you visit pages on our website, our ISP may log your IP address. We do not link IP addresses to any personally identifiable information. Your IP address is used to gather broad demographic information only. A User Transaction ID is created each time you enter our Site. This ID is used to keep track of your order and other requests.
Cover-More does not rent, sell or lease its customer lists to third parties. We will only collect personal information necessary to evaluate your application or any subsequent change in the insurance provided, to administer your insurance policy, and to respond to any claim you may make. If you choose not to provide the information we request, we may not be able to evaluate Your application or process Your claim.
Cover-More will not release any of your Personal Information except as described in this privacy policy. We may also use or disclose your Personal Information where we are authorised or required by law.
It is a legislative requirement that, in some circumstances, we keep records of your personal information for a period of 7 years. We will maintain your personal information on or off site in a secure manner for 7 years. After this, the information will be destroyed or de-identified.
All such third parties are prohibited from using your personal information except to provide these services and they are required to maintain the confidentiality of your information.
In the unlikely event that we propose to sell the business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them.
You can request access to your Personal Information in most cases without restriction or charge. You can ask us to correct any errors in the information we hold. You can also access our complaint process if you are concerned about how we treat your personal information. We will provide you with access to your Personal Information unless we are legally authorised to refuse your request.
Should we refuse you access to your personal information, we will provide you with a written explanation for that refusal.
From time to time, Cover-More may use your Personal Information to send you information on our various products, services and any offers which we may be promoting or special announcements which we think may be of interest to you. These communications are typically made via email, telephone, SMS, or post. If you do not wish us to use your Personal Information for this reason or if at any time you wish us to stop doing so, please inform us by contacting us.
This website uses cookies. A cookie is a small text file that is sent to your computer or mobile phone browser and is stored on your hard drive. There are two types of cookies: a persistent cookie and a session cookie. A session cookie is temporary - When you exit your browser session this cookie is automatically deleted. This is why you have to log on again every time you revisit the site. Persistent cookies are used by your web browser when you visit our website again.
We use both of these types of cookies to record information about your online behaviour and allow us to tailor the website to your preferences. You are free to disable cookies if your web browser permits, but if cookies are deleted, certain website functions may be impaired.
This website uses cookies and log file information, for example: IP address to track user activity in order to improve website usability and to research the performance and effectiveness of marketing activities.
When you buy a policy through this Site your credit card details are encrypted by world class SSL technology from Thawte, a wholly owned subsidiary of Symantec Corporation. Thawte’s SSL encryption is regarded as one of the strongest available enabling up to 256 bit encryption for over 99% of internet users. In your internet browser web address bar look out for the security indicator - The “s” in https tells you that you’re on a SSL secure webpage.
Cover-More has security measures in place to provide protection against the loss, misuse and alteration of your Personal Information. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your Personal Information, Cover-More cannot warrant or ensure the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, we will use our reasonable efforts to ensure its security on our systems.
Business partners and professional visitors requesting access to specialised content areas on our website are required to provide identifying information for verification purposes.
When you give personal information to Cover-More, that information may be sent electronically to servers outside of the country where you originally entered that information. In addition, that information may be used, stored and processed outside of the country where you entered that information. Whenever Cover-More handles your Personal Information, we ensure that your Personal Information is treated securely and in accordance with this privacy policy.
Ultimately, you are solely responsible for maintaining the secrecy of passwords which may be issued to you and/or any account information. Please be careful and responsible whenever you are online.
We may amend this privacy policy from time to time by posting the amended version on our website. We suggest that you visit our website regularly to keep up to date with any changes. Access to your information
If you have any questions about this privacy policy, our information handling practices in general or if you would like access to your Personal Information, you can contact us by emailing enquiries@covermore.com.au, calling 1300 72 88 22 or by writing to Private Bag 913, North Sydney, NSW 2059 Australia.
You can deal with us anonymously where it is lawful and practicable to do so. For example, if you telephone requesting our postal address.