||At PowerGuard we
want to provide the best possible service across our wide range of
services. To achieve this aim we need to make the most efficient use
of your personal information.
However it is equally important to us that you are confident that
any of your personal information entrusted to us or our agents is
treated with the appropriate degree of privacy.
is "personal information"?
is any information about you that identifies you or by which your
identity can be reasonably determined.
is "sensitive information"?
|If personal information
concerns particular topics it is regarded as sensitive information.
Sensitive information can be information about your racial or ethnic
origin, political opinions, membership of a political association,
religious beliefs or affiliations, philosophical beliefs, membership
of a professional or trade association, membership of a trade union,
sexual preferences or practices, criminal record and health. PowerGuard only collects, uses or discloses sensitive information about
you to provide its services or as is allowed by law for example where
we have received your consent to do so or the collection is necessary
for the establishment, exercise or defence of a legal claim.
do we and our agents collect information about you whether personal
or sensitive ("information")?
|Collecting your information
is essential for PowerGuard to be able to conduct its business
of providing services.
By collecting information we set up and administer products and services,
assess a claim made by you under one or more of our products, improve
our products and services and identify you and protect you from unauthorized
access to your information or services.
If we do not collect and make use of this information, we are unable
to do business with you.
do we collect your personal information?
|Where possible we collect
your personal information directly from you.
However, collection may take place in a number of ways such as when
you complete an insurance proposal or request a product or service
over the telephone or internet.
Often personal information is collected during the course of our relationship
with you. Examples of personal information collection during our relationship
may be when you fill out an insurance proposal or renew an insurance
Sometimes personal information may be collected about you from other
services. Examples of where we may receive personal information about
you from another source and why this would happen are a credit reference
about you from a credit reporting or similar agency, in the course
of assessing your application for insurance and an insurance investigation
or reference service in the course of assessing your claim under,
or request for, a policy of insurance.
In most cases we will require you specifically to consent to any collection,
use or disclosure of your personal information by PowerGuard.
we use your personal information?
|We use the information
that we collect so that we can conduct our business of providing services
and to administer and enhance the relationship we have with you. To
enable us to do this we may share your information with related companies
within PowerGuard or with organisations that assist us to provide
services to you.
|From time to time we
may use your information to provide you with information about our
extensive range of services.
If you do not want to receive any of this
information just contact us by calling 1800 999 977 / 9202 5300.
PowerGuard does not disclose your information to a party outside
PowerGuard for the purposes of allowing them to direct market their
products or services to you.
Often the law requires us to provide you with certain information
about the product or service that you receive from us. You will continue
to receive this type of information from us even if you have decided
not to receive information about our products and services generally.
we disclose your personal information to other parties?
PowerGuard may disclose your information in certain circumstances.
We may disclose your information where you have consented to our
doing so. Your consent to the disclosure of your personal information
may be given explicitly such as in writing or verbally or may be
implied from your conduct.
Generally however we do not disclose your information to a party
outside PowerGuard, unless that party is contracted to PowerGuard to provide services or activities on our behalf and that party
is bound by the same privacy rules we follow.
Some examples of parties outside PowerGuard to whom we may disclose
your personal information and the reason for disclosure are: Marketing
Agents, Sales Agents for promotion and service; and other insurers,
insurance reference agencies, assessors, medical practitioners or
investigative service products for the assessment of insurance claims
your information is up-to-date
|We rely on the information
we hold about you to efficiently conduct our business of providing
products and services. For this reason, it is very important that
the information we collect from you is accurate, complete and up-to-date.
If your information changes please inform us so that we may change
does PowerGuard deal with your information?
|The protection of your
information is a priority for PowerGuard. We take the utmost care
to safeguard and secure your information.
I access the information PowerGuard holds about me?
|You may request access
to any of the information we hold about you.
In most cases, a summary of information such as your name and address
details, contact telephone numbers, policy numbers, policy cover and
the products and services you have with us are freely available to
you by calling 1800 077 501 / (02) 9415
For more detailed requests for access to information, for example,
access to information held in archives, a fee may be charged to cover
the cost of retrieval and the supply of this information to you.
All requests for access to information will be handled as quickly
as possible and we shall endeavor to process any request for access
within 30 days of having received the request. Some request for access
may take longer than 30 days to process depending upon the nature
of the information being sought.
PowerGuard may be required by law to retain your information for
a period of time after you have ceased your relationship with us.
After the required time has passed we attend to the secure destruction
of your information.
my request for access to my information be denied?
|PowerGuard is not
always required to provide you with access to your information upon
We may refuse you access to information in a number of circumstances
such as where the information may relate to existing or anticipated
legal proceedings with you, where denying access is required or authorised
by law, or where the request for access is regarded as frivolous or
If we deny your request for access to, or refuse your request to correct
your information, we will explain why.
Do I have to provide my information?
|It is not
possible for us to do business with you unless we have identified
you and in some cases, the law requires that you identify yourself
Wherever it is lawful and practicable to do so, we may offer you the
opportunity to deal with us anonymously.
|PowerGuard constantly reviews all its policies and procedures to keep up
to date with changes in the law, technology and market practice.
you have any concerns or requests for access?
to access your personal information you can contact us in any of the
|By Visiting -
By Telephoning -
By Writing -
1800 077 501
(02) 4940 8714
Unit 6, 7 Revelation Close,
Tighes Hill NSW 2297
I complain about a breach of my privacy?
|If you believe that PowerGuard has not protected your personal information as set out in this
number or writing to the address set out above.
if I am not satisfied with PowerGuard's response?
|If you are not satisfied with
the result of you complaint to PowerGuard you can refer your complaint
to the Federal Privacy Commissioner.