PowerGuard Privacy
Policy |
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| 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. |
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| What is "personal information"? | |||
| Personal information
is any information about you that identifies you or by which your
identity can be reasonably determined. |
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| What 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. |
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| Why 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. |
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| How 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 policy. 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. |
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| How 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. |
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| Direct Marketing | |||
| 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. |
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| Do we disclose your personal information to other parties? | |||
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PowerGuard may disclose your information in certain circumstances. |
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| Ensuring 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
our records. |
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| How 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. |
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| Can 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 4680 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. |
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| Can my request for access to my information be denied? | |||
| PowerGuard is not
always required to provide you with access to your information upon
your request. 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 vexatious. If we deny your request for access to, or refuse your request to correct your information, we will explain why. |
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| 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
to us. Wherever it is lawful and practicable to do so, we may offer you the opportunity to deal with us anonymously. |
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| Our Privacy Policy may change from time to time | |||
| PowerGuard constantly reviews all its policies and procedures to keep up
to date with changes in the law, technology and market practice.
As a result we may change this privacy policy from time to time. This Privacy Policy was last amended on 21 December 2001. |
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| Do you have any concerns or requests for access? | |||
| If you
have a question about this Privacy Policy or wish to lodge a request
to access your personal information you can contact us in any of the
following ways: |
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| By Visiting - By Telephoning - By Writing - |
www.powerguard.com.au 1800 077 501 (02) 4940 8714 PowerGuard Unit 6, 7 Revelation Close, Tighes Hill NSW 2297 |
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| Can I complain about a breach of my privacy? | |||
| If you believe that PowerGuard has not protected your personal information as set out in this
Privacy Policy you may lodge a complaint with us by telephoning the
number or writing to the address set out above. |
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| What 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. | |||
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