Privacy Statement
Our Commitment to your Privacy

We recognise that your privacy is very important to you. We are committed to protecting the privacy of your Personal Information in accordance with the Federal Government's Privacy Act 1988 (as amended by the Privacy Amendment (Private Sector) Act, 2001).

Currency and Status of our Privacy Policy
Our current privacy policy is detailed below. It is current as of and from 3rd January 2009.  We suggest that you read it thoroughly. Whenever using our web site you should read this policy in conjunction with any other terms and conditions and the Financial Services Guide.  We provide this information to explain why we collect your Personal Information and how we use it.

Typically the details we collect and hold include your name, contact details (address, phone and fax number, email address) date of birth, gender and payment details. We may also collect information that is specific to a particular product.

We collect your Personal Information from you in various ways and at several different points. We may collect your Personal Information on our web site, by telephone, facsimile, when you complete an application form for one of our products or services and forward it to our attention, enter a competition or voluntarily participate in a survey.

Wherever possible, we collect your Personal Information directly from you. There may, however, be occasions where we collect your Personal Information from someone else. For example, where you make an application in joint names, where it is provided to us by a third party with your consent or where we need to obtain information from professional experts for the purposes of assessing a claim or providing you with insurance cover.

If you provide Personal Information to us about another person, we rely on you to have made or make them aware that you will, or may, provide their information to us and the types of third parties we may provide it to, the relevant purposes we and any of the third parties will use it for and how they can access it. If it is Sensitive Information we rely on you to have obtained their consent on these matters. If you have not done, or will not do, either of these things, you must tell us before you provide the relevant Personal Information.

Cookies and our collection of information about how our website is used
We use a cookie that collects anonymous traffic data. 2insure makes use of "cookies" to make our website perform better. A "cookie" is a feature built into your browser that assigns you a "user ID". Cookies are used to follow the pattern of movements of web users. Cookies let us know which pages on our website are visited, in what order and how often. By themselves, cookies can't be used to discover your identity; they merely identify your computer to our servers when you visit us. If you are unhappy about having a cookie assigned to you, you can set your browser to refuse cookies. Cookies are not used to record any personal information such as your name, address or email address.

A cookie is a message given to a web browser by a web server and which is then stored by the browser in a text file. Each time the browser requests a page from the server this message is sent back which enables the user to be identified. We also collect your IP address when you visit the site to better understand how to serve our clients.

We may use the information provided by cookies and IP addresses to analyze trends, administer the site, or for research and marketing purposes to help us better serve our clients.

We generally collect Personal Information to provide the various products and services we offer. More specifically, we collect and use Personal Information primarily in order to establish risk and determine premiums, process applications, service accounts, process payments, assess claims, confirm identification and protect Personal Information from unauthorised access or to satisfy legal requirements.

If we do not collect your Personal Information we will not be able to provide you with the product or service that you are seeking.
We use Personal Information we may collect through competitions to determine prize winners, award prizes and notify winners. We use Personal Information we may collect through surveys to assess your satisfaction with our products and services and to determine how we may better service your needs. We, and our related companies, may also use Personal Information you provide if you chose to enter a competition or answer a survey for research and statistical analysis.

Direct Marketing
On occasion, we may use your Personal Information to provide you with information about the products and services we offer. If you do not wish to receive any of this information please let us know by contacting Customer Care by emailing info@2insure.com.au

Sharing and Disclosing your Personal Information
We never sell, rent or trade your Personal Information.
We may share your Personal Information with Related Companies.
We will not share your Personal Information with any unrelated party except under the following circumstances:

• where a product or service you apply for is provided or supplied by or through a third party;
• where a third party, such as a mailing house, carries out activities on our behalf;
  
• if disclosure is otherwise required in order to provide you with a particular product or service;
• in order to ensure our ability to continue providing products and services;
• if disclosure is required for the purposes of conducting business analysis in order to improve our products and services;
• if disclosure is required by law or requested by a statutory authority;
• to an insurance broker acting on your behalf or who you have designated to act on your behalf;
• where a third party has an interest in the product or service we supply, for example a mortgagee, referral agent, distributor or insurance intermediary;
• where it is necessary for a third party to assist us in providing our services, for example, reinsurers, insurance intermediaries, insurance reference bureau, lawyers, accountants, loss adjusters and others involved in the claims handling process where you have provided your consent - which may be given expressly or may reasonably be implied by your conduct.

Related and unrelated third parties to whom your Personal Information is disclosed are required to keep the information confidential and only use it for the same purposes we are permitted to use it.

Quality and Security of your Personal Information
We aim to ensure that your Personal Information is accurate, complete and up to date. During the course of your relationship with us we will ask you to inform us of any changes to your Personal Information. You should, however, contact us at any time to update your Personal Information or advise us that the information we have is not accurate or complete.
You may generally access the information we hold about you and request corrections. This right is, however, subject to the exceptions detailed in the National Privacy Principles. For example, we may refuse access where:

• the information may have an unreasonable impact on the privacy of others
• the request is frivolous or vexatious;
• the information relates to existing or anticipated legal proceedings;
• the information would reveal our intentions in relation to negotiations in such as way as to prejudice those negotiations.

If we deny you access we will let you know why.

Where providing access would reveal evaluative information in connection with a commercially sensitive decision-making process, we will provide an explanation for the decision rather than direct access to the information.
In most cases, you may access a summary of your Personal Information at no cost to you by telephoning  Customer Care by emailing info@2insure.com.au

For access to complex or Sensitive Information or more detailed requests for access to your Personal Information, for example, access to information that is archived, we may require you to place your request in writing and charge you a fee for our reasonable costs of retrieving and supplying the information to you.

In all cases you will be asked to verify who you are before your Personal Information is provided. All requests for Personal Information will be handled in a reasonable period of time.

Quality and Security of your Personal Information
If you have any questions, suggestions or complaints about our privacy practices or this privacy policy, please email info@2insure.com.au. We will respond to your question, suggestion or complaint as soon as possible.
You can obtain information on privacy issues in Australia by visiting the Australian Federal Privacy Commissioner's web site located at www.privacy.gov.au or by telephoning 1300 363 992.

2insure Pty Ltd is a corporate authorised representative of Financial Wisdom Limited.
ABN 70 006 646 108. AFSL 231138