Last Update: 20 August 2021
Ensura is committed to protecting the privacy of personal information provided to us, or otherwise collected by us, offline or online, including through our website.
What information do we collect?
Personal Information: When you apply for insurance through us, we collect personal information from you which you choose to share with us. We also collect information necessary to provide a product or service. The types of information we may collect include:
- Personal details including your name, date of birth, gender
- Contact details including email address, postal address, residential address, phone number, social media handles
- Financial information including credit card or bank account details if a product or service is paid for in this way or in relation to a claim
- Information required for underwriting, or for management and processing of a claim including information on a police report and claims history
- Details of current or past insurance policies
- Any other information requested by us or provided by you or a third party
Sensitive Information: We may collect sensitive information such as health information or criminal records where this information is reasonably necessary for the provision of our services or products with your consent or as otherwise required by law.
Communication: Telephone, email and chat conversations with customers or third parties (see who this includes below) may be recorded for quality and coaching purposes.
Products and Services: We may also collect information about how you interact with or use a product or service, including our website, such as:
- Details of products and services we have provided to you and that you have enquired about, how you have used our products and services and any interaction we have with you
- Information you provide to us through customer survey
- Your browser session and geo-location data including IP address, device and network information, statistics on page views and sessions, acquisition sources, search queries and browsing behaviour
- Information about your access and use of our website, including through the use of Internet cookies, your communications with our website, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider
- Additional personal information that you provide to us, directly or indirectly, through your use of our website, associated applications, associated social media platforms and/or accounts from which you permit us to collect information
- Any other personal information requested by us or provided by you or a third party.
Third Parties: We may collect information from Third Parties including:
- Our authorised representatives, referrers, agents, business partners, affiliates, insurers or related companies
- Third parties for the purposes of assessing a claim
- People you have authorised us to deal with regarding your policy or your information
- The Australian Financial Complaints Authority or any other external dispute resolution body
- Any other person or entity you have consented to us to deal with regarding you and your information
What do we do with your Personal Information?
We may collect, hold, use and disclose your information for the purposes we collected it as well as for related purposes, including:
- Communicating with you or a third party
- Providing you access our website, associated applications and platforms, including to make enquiries for a product or service
- Responding to your enquiries including processing your application, offering and providing a product or service
- Processing and managing claimsFor internal record keeping, administrative and compliance purposes including quality assurance and coaching
- For analytics, market research and business development, including to operate and improve our website, associated applications and associated social media platforms
- For advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
- To comply with legal obligations and resolve any complaints or disputes
What about information that is Sensitive Information?
Sensitive information means information relating to your racial or ethnic origin, political opinions, religion, trade union or other professional associations or memberships, philosophical beliefs, sexual orientation or practices, criminal records, health information or biometric information.
Sensitive information will only be used in direct relation to the primary purpose for which it was collected.
How will your information be shared?
We may share your information with third parties in order to provide you with our products or services and to carry out services including with third parties such as insurance intermediaries, underwriters, lawyers, accountants, loss adjusters as well as third parties acting on your behalf.
We may also share your information if we are required by law.
How do we store and manage your Information?
We are committed to ensuring that the information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
We cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that the information we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.
Do we use Cookies or Web Beacons?
Cookies: We may use cookies on our Site from time to time. Cookies are text files placed in your computer’s browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns. If and when you choose to provide our Site with personal information, this information may be linked to the data stored in the cookie.
Web Beacons: We may use web beacons on our Site from time to time. Web beacons (also known as Clear GIFs) are small pieces of code placed on a web page to monitor the visitor’s behaviour and collect data about the visitor’s viewing of a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.
What can I do about my Information?
Choice and consent: Please read this Privacy Policy carefully. By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of this Site or the products and/or services offered on or through it.
Restrict: You may choose to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.
Access: You may request details of the personal information that we hold about you. An administrative fee may be payable for the provision of such information. In certain circumstances, as set out in the Privacy Act 1988 (Cth), we may refuse to provide you with personal information that we hold about you.
Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading or out of date.
Complaints: If you believe that we have breached the Australian Privacy Principles and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint.
Unsubscribe: To unsubscribe from our e-mail database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.
Links to other websites
Our Site may contain links to other websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites.
Those websites are not governed by this Privacy Policy.
Will there be changes to this policy?
We may, at any time and at our discretion, vary this Privacy Policy by publishing the amended Privacy Policy on our Site. Your continued use of the Service after notification of such a change means that you’ve accepted the changes.
What if something goes wrong?
In accordance with the Notifiable Data Breaches Scheme, we will notify you in the event your personal information is involved in a data breach that is likely to result in serious harm. This notification will include recommendations about the steps you should take in response to the breach. We will also notify the Office of Australian Information Commissioner (OAIC) of eligible data breaches.
What if I have any questions?
For any questions or notices, please contact our Privacy Officer at: hello@ensura.io
Ensura is committed to protecting the privacy of personal information provided to us, or otherwise collected by us, offline or online, including through our website.
What information do we collect?
Personal Information: When you apply for insurance through us, we collect personal information from you which you choose to share with us. We also collect information necessary to provide a product or service. The types of information we may collect include:
- Personal details including your name, date of birth, gender
- Contact details including email address, postal address, residential address, phone number, social media handles
- Financial information including credit card or bank account details if a product or service is paid for in this way or in relation to a claim
- Information required for underwriting, or for management and processing of a claim including information on a police report and claims history
- Details of current or past insurance policies
- Any other information requested by us or provided by you or a third party
Sensitive Information: We may collect sensitive information such as health information or criminal records where this information is reasonably necessary for the provision of our services or products with your consent or as otherwise required by law.
Communication: Telephone, email and chat conversations with customers or third parties (see who this includes below) may be recorded for quality and coaching purposes.
Products and Services: We may also collect information about how you interact with or use a product or service, including our website, such as:
- Details of products and services we have provided to you and that you have enquired about, how you have used our products and services and any interaction we have with you
- Information you provide to us through customer survey
- Your browser session and geo-location data including IP address, device and network information, statistics on page views and sessions, acquisition sources, search queries and browsing behaviour
- Information about your access and use of our website, including through the use of Internet cookies, your communications with our website, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider
- Additional personal information that you provide to us, directly or indirectly, through your use of our website, associated applications, associated social media platforms and/or accounts from which you permit us to collect information
- Any other personal information requested by us or provided by you or a third party.
Third Parties: We may collect information from Third Parties including:
- Our authorised representatives, referrers, agents, business partners, affiliates, insurers or related companies
- Third parties for the purposes of assessing a claim
- People you have authorised us to deal with regarding your policy or your information
- The Australian Financial Complaints Authority or any other external dispute resolution body
- Any other person or entity you have consented to us to deal with regarding you and your information
What do we do with your Personal Information?
We may collect, hold, use and disclose your information for the purposes we collected it as well as for related purposes, including:
- Communicating with you or a third party
- Providing you access our website, associated applications and platforms, including to make enquiries for a product or service
- Responding to your enquiries including processing your application, offering and providing a product or service
- Processing and managing claimsFor internal record keeping, administrative and compliance purposes including quality assurance and coaching
- For analytics, market research and business development, including to operate and improve our website, associated applications and associated social media platforms
- For advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
- To comply with legal obligations and resolve any complaints or disputes
What about information that is Sensitive Information?
Sensitive information means information relating to your racial or ethnic origin, political opinions, religion, trade union or other professional associations or memberships, philosophical beliefs, sexual orientation or practices, criminal records, health information or biometric information.
Sensitive information will only be used in direct relation to the primary purpose for which it was collected.
How will your information be shared?
We may share your information with third parties in order to provide you with our products or services and to carry out services including with third parties such as insurance intermediaries, underwriters, lawyers, accountants, loss adjusters as well as third parties acting on your behalf.
We may also share your information if we are required by law.
How do we store and manage your Information?
We are committed to ensuring that the information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
We cannot guarantee the security of any information that is transmitted to or by us over the Internet. The transmission and exchange of information is carried out at your own risk. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that the information we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.
Do we use Cookies or Web Beacons?
Cookies: We may use cookies on our Site from time to time. Cookies are text files placed in your computer’s browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns. If and when you choose to provide our Site with personal information, this information may be linked to the data stored in the cookie.
Web Beacons: We may use web beacons on our Site from time to time. Web beacons (also known as Clear GIFs) are small pieces of code placed on a web page to monitor the visitor’s behaviour and collect data about the visitor’s viewing of a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.
What can I do about my Information?
Choice and consent: Please read this Privacy Policy carefully. By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of this Site or the products and/or services offered on or through it.
Restrict: You may choose to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.
Access: You may request details of the personal information that we hold about you. An administrative fee may be payable for the provision of such information. In certain circumstances, as set out in the Privacy Act 1988 (Cth), we may refuse to provide you with personal information that we hold about you.
Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading or out of date.
Complaints: If you believe that we have breached the Australian Privacy Principles and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint.
Unsubscribe: To unsubscribe from our e-mail database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.
Links to other websites
Our Site may contain links to other websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites.
Those websites are not governed by this Privacy Policy.
Will there be changes to this policy?
We may, at any time and at our discretion, vary this Privacy Policy by publishing the amended Privacy Policy on our Site. Your continued use of the Service after notification of such a change means that you’ve accepted the changes.
What if something goes wrong?
In accordance with the Notifiable Data Breaches Scheme, we will notify you in the event your personal information is involved in a data breach that is likely to result in serious harm. This notification will include recommendations about the steps you should take in response to the breach. We will also notify the Office of Australian Information Commissioner (OAIC) of eligible data breaches.
What if I have any questions?
For any questions or notices, please contact our Privacy Officer at: hello@ensura.io