Collecting Your Personal Information

What is personal information? Information or opinion that allows others to identify you is generally considered personal information. This may include your name, contact details, and gender, as well as your health and risk profile information.

Under which circumstances do we collect your personal information? We will collect personal information which is reasonably necessary to offer and maintain our products and services, including those offered by Ivory, such as the provision of insurance (involving underwriting of insurance products), claims management, and other forms of insurance-related services. We may also collect personal information to enable the development and identification of products and services that may interest you, to conduct market or customer satisfaction research, or to develop, establish and manage alliances or arrangements with other organisations in relation to the promotion, administration, and use of our respective products and services.

What information can we collect from you? The type of product or service you request from Ivory will inform the type of information we collect from you. Generally, however, we may collect information such as your name, contact details, date of birth, gender, financial, and employment details, and information pertaining to risk coverage. We may also need to collect sensitive information about you for some of our products and services. We will generally only collect and hold such sensitive information where reasonably necessary to perform our engagement and with your consent.

What if you don’t provide us with your information, or provide us with inaccurate or incomplete information? If the information we request is not provided accurately or at all, we or those involved with the provision of the service or product may not be able to provide the appropriate type or level of service or product.

How do we collect this information? Unless it is not reasonable or practicable under the circumstances, we will collect information directly from you. This may occur, for instance, when you use our website, or when you contact us through telephone, facsimile, email, online, or hard copy communication in order to complete a product or service application or any other kind of administrative form. Otherwise, we may also collect your information from other third parties such as Authorised Representatives or other third parties such as additional insurance companies, insurance brokers or agents, credit organisations, motor vehicle and driver licensing authorities, financial institutions, medical professionals, third parties who may be arranging insurance cover for a group that you are a part of, law enforcement or investigative intermediaries, dispute resolution, statutory and regulatory bodies, marketing lists and industry databases or publicly available sources. Upon your request, we will take reasonable steps to let you know how we have sourced your personal information unless it is obvious from the circumstances that you would know or would reasonably expect us to have the information (such as where we are dealing with your advisors).

Are there any other ways we can collect your personal information? We may also collect information by online means when you visit the Ivory website. Ivory may collect information during your visit to an Ivory or affiliated website through the use of cookie technology.

Resolving Your Privacy Issues

Privacy Complaints

If you wish to speak with someone or raise a complaint about a breach of the Act or this Privacy Policy, you may contact your Ivory representative or contact our Privacy Officer directly at the contact details below. You may also contact the Privacy Officer should you have any other questions or would like further information about our privacy and information handling practices. We will respond to you as soon as reasonably possible.

Ivory Privacy Officer Contact Details:

Email: info@ivoryinsurance.com.au

Telephone: +61 422 472 277

Privacy Policy

Your Privacy and The Law

Ivory Insurance Pty Ltd is dedicated to upholding your privacy and protecting your personal information. We are bound in Australia by the Privacy Act 1988 (Cth) and its associated Australian Privacy Principles, along with any other applicable privacy laws and codes, when collecting, using, disclosing, holding, handling, and transferring any personal information. Where practical and legally permissible to do so, you have the option of providing information to us and dealing with us anonymously or by using a pseudonym.

Ivory has ongoing practices, procedures, and systems in place to ensure that we manage personal information in an open and transparent way.

Further information about these practices, procedures, and systems is contained in our Privacy Policy, set out below. We may update this Privacy Policy from time to time.

Any updates can be accessed via our website or by contacting our office to request a hard copy be sent to you (which will be provided at no cost). We encourage you to periodically review this Privacy Policy so that you will be aware of our privacy practices. This Privacy Policy was last updated on 31 January 2023.

Using and Disclosing Your Personal Information

How can your personal information be used? We will generally only use and disclose your personal information for the purpose that it was collected, any related purpose that you would reasonably expect us to use or disclose it for, or as permitted under this Privacy Policy or under law. Ivory otherwise has a duty to maintain the confidentiality of its client’s information unless disclosure is permitted with your consent or compelled under law. Your information may be used for the following purposes:

• to provide information, products, or services you requested;

• to determine your eligibility and process applications for products and services that you have requested;

• to provide information and services as requested by clients;

• to understand and assess your ongoing needs and offer products and services to meet those needs;

• to carry out client communication, service, billing, and administration;

• to administer claims;

• to conduct data analysis;

• to obtain and update credit information with appropriate third parties, such as credit reporting agencies, where transactions are made on credit;

• to execute monitoring and training;

• to develop new services;

• to market products and services, and;

• to conduct processing necessary to fulfil other contractual obligations for the individual. We will only use and disclose your sensitive information for the purpose it was collected or for any other directly related purpose that you would reasonably expect us to use it for. With your consent, we may use or disclose your information for additional purposes from time to time.

Who can access your personal information? We may disclose your information to other companies who provide capacity or services to Ivory and the following affiliates or third-party service providers to assist us in providing, managing, and administering our services and products:

• insurance services and insurance products;

• business partners, including insurers, reinsurers, insurance agents, insurance brokers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, other advisors such as loss adjusters, lawyers, auditors, and accountants, and others involved in the claim handling process;

• banking and finance products;

• business partners, including credit and fraud reporting agencies, debt collection agencies, insurers, and reinsurers;

• any Authorised Representatives;

• authorised service providers;

• external IT service providers;

• infrastructure and other third parties where required by law.

Can your information be used for direct marketing? As indicated above, unless you notify us otherwise, we may use your personal information to let you know about products and services from Ivory or our affiliates and business partners that we think may be of interest to you. You can choose not to receive this information from us (including product or service offerings from us on behalf of our affiliates and business partners) or related bodies by contacting our Privacy Officer through the details contained at the end of this Privacy Policy, or your Ivory representative.