01. Our Committment
At Landcover we recognise that your privacy is important to you - it is to us as well. Landcover abides by the national privacy principles established under the privacy amendment (private sector) act, 2001. A summary of the national privacy principles is available on our website or by contacting our office. The information set out below is largely a summary of our obligations under the national privacy principles.
We are subject to certain legislation and regulatory requirements which necessitate us obtaining and holding detailed information which personally identifies you and or contains information or an opinion about you (’personal information”). We need to collect personal information from customers so we can:
a. Establish and administer a product for the customer;
b. Determine a customer’s requirements and provide the appropriate product or service;
c. Assist with a claim made by a customer under one or more of their insurance products;
d. Assess customers and their needs; and
e. Improve our financial products and service. Without this information, we are unable to provide the product or service.
03. Use and disclosure
We may make available the personal information to other insurers for the purpose of providing the requested product or service.
We may use the personal information collected from you for the purpose of providing you with direct marketing material such as articles that may be of interest to you. You may; by contacting us request not to receive such information and we will give effect to that request. Please allow two weeks for your request to be actioned.
We do not disclose personal information to any outside third party organisations, unless they are contracted to us to provide administrative, financial or other services or activities on our behalf. In this case we make sure that the third party is bound by the same privacy rules we follow.
In the event that we propose to sell our business, we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such 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. In the event that a sale of our business is affected, we may transfer your personal information to the purchaser of the business. As a client, you will be advised of any such transfer.
04. Storage and security
We will at all times seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access, modification or disclosure.
At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential. Your personal information is generally held in a computer database.
All computer based information is protected through the use of access passwords on each computer. Data is backed up.
05. Access and correction
You may at anytime, by contacting our office request access to your personal information and we will (subject to the following exceptions) provide you with access to that information either by providing you with an accurate summary of the information held. We will prior to providing access in accordance with this policy, require you to provide evidence of your identity.
We will not provide you with access to your personal information if;
a. providing access would have an unreasonable impact on the privacy of others;
b. the request for access is frivolous or vexatious;
c. the information related to an existing or anticipated legal proceedings between us and would not be discoverable in those proceedings.
d. providing access would reveal our intentions in relations to negotiations with you in such a way as to prejudice those negotiations;
e. providing access would be unlawful;
f. denying access is required or authorised by or under law;
g; providing access would be likely to prejudice certain operations by or on behalf of an enforcement body or an enforcement body request that access not to be provided on the grounds of national security.
In the event we refuse your access to your personal information, we will provide you with an explanation for that refusal.
We will endeavour to ensure that, at all times the personal information about you which we hold is up to date and accurate. In the event that you become aware, or believe, that any personal information which we hold about you is inaccurate, incomplete or outdated, you may contact our office and provide to us evidence of the inaccuracy or incompleteness or out datedness and we will, if we agree that the information requires correcting, take all reasonable steps to correct the information.
We will endeavour to respond to any request for access within seven to fourteen days depending on the complexity of the information and/ or the request. If your request is urgent, please indicate this clearly.
06. Complaints resolution
07. Our website
While it is not necessary to register your personal details to use our website, we do offer a service that will enable you to receive product and service quotation. In the event you do register with us, we will collect personal information from you including your name and email address.
08. Contact us
09. Additional privacy information
Further information on privacy in Australia may be obtained by visiting the website of the Office of the Federal Privacy Commissioner at www.privacy.gov.au