We’re committed to safeguarding people’s privacy and the confidentiality of their personal information and are bound by the Australian Privacy Principles set out in the Privacy Act 1988 (Cth) (the Act).
Personal information we collect
We collect personal information including:
We ask for personal information from:
In most cases we’ll collect personal information directly. We’ll obtain consent before collecting sensitive information, such as health information, unless we’re required or permitted by law to collect it without consent.
Borrowers who pay for lenders’ mortgage insurance (LMI) aren’t our insured, but we collect their information to assess their risk of default on a loan. For more information about LMI and privacy please visit qbelmi.com.au
What we do with personal information
We collect, hold, use and disclose personal information in ways people would reasonably expect and where it’s reasonably necessary for our business, including:
Disclosing personal information
We, or our agents, may disclose personal information to:
We may also disclose personal information to:
We also collect personal information from these people and organisations.
Disclosure to business partners and intermediaries
When you buy a policy arranged by one of our business partners or intermediaries, you consent to us providing all of your personal information to that business partner or intermediary, which may include sensitive information and claim information. That business partner or intermediary will also provide us with personal information.
Dealing with us anonymously
There are some circumstances where people can deal with us anonymously, including if they’re only looking for general information about one of our products or services, or a quote.
How personal information is held
We hold personal information in secure systems, databases and paper records. We may use related bodies corporate, agents and third party suppliers for data storage, which may be located outside of Australia.
Any personal information provided over the internet is held securely and not retained on our web servers. We use service providers and secure online payment facilities to process payments by credit card. Card details can’t be accessed through the internet after a payment has been processed.
Disclosure to overseas recipients
We may store and disclose personal information overseas. The locations include the Philippines, India, Ireland, the UK, the US, China and countries within the European Union.
Where personal information has been disclosed overseas, there’s a possibility the recipient may be required to disclose it under a foreign law. Where this occurs, such disclosure isn’t a breach of the Act.
If we don’t receive personal information
We may not be able to do provide our products or services if we’re not given all of the personal information we’ve asked for. This includes not issuing policies and not processing claims.
Website and app tracking
We also utilise other technologies similar to cookies, including those which are embedded into or which accompany emails sent by us or on our behalf.
Information we collect
The information we collect includes:
What we use this information for
We use information collected to:
By accessing our websites or using our apps you agree to cookies being stored in your browser or device. Browsers may be able to be configured to accept or reject cookies, or to notify when a cookie is being sent. The ‘help’ function on your browser will provide details on how to change configurations.
The functionality of our websites and apps may be affected if cookies are blocked or rejected.
We share information from cookies and other technologies with third party providers, including Google Analytics. The information collected can be combined with other information, allowing us or those third parties to identify users at an individual level, their behaviours, activity and needs.
Some of our websites present content and functionality provided by third parties which we don’t control. We’ll take reasonable steps to tell you before you use them, but you should consult the privacy policies of the third party providers as well.
For more information about cookies
For further information about cookies, including how to see what cookies have been set, how to manage and delete them or how to manage browser settings visit www.allaboutcookies.org.
Access, corrections and complaints
Our aim is to always have accurate, complete, up-to-date and relevant personal information. When you deal with us, you should check the information we hold about you is correct.
You can contact our Customer Care team to request access to personal information we hold about you and correct any errors. Generally no restrictions or charges apply.
QBE Customer Care
1300 650 503 (Office Hours Mon-Fri: 9:00-17:00)
Calls from mobiles, public telephones or hotel rooms may attract additional charges
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GPO Box 219
PARRAMATTA NSW 2124
Date prepared: 13 September 2016
Date effective: 13 September 2016