Landlord Insure™ Pty Ltd ACN 605 597 386 trading as Landlord Insure™ understands and respects the importance of your privacy and we are committed to safeguarding your personal information. In providing our service to you, we must collect personal information from you and this policy sets out the basis upon which any personal data we collect from you, or that you provide to us, will be processed by us. By visiting www.landlordinsure.net.u or using our services you are accepting and consenting to the practices described in this policy.
Landlord Insure is bound by the Privacy Act 1998 (Cth) (‘Act’). This document sets out the Company’s policy in relation to the protection of personal information, as under the Act and the Australian Privacy Principles (‘APP’).
The APPs regulate the handling of personal information.
- What Personal information
Personal information is information which relates to a living individual who can be identified from that information, or from that information and other information in a person’s possession, including any expression of opinion, whether true or not, and whether recorded in material form or not, about an identified or reasonably identified individual, and any indication of intention in respect of an individual.
- Employee Records
This policy does not apply to the collection, holding, use or disclosure of personal information that is an employee record.
An employee record is a record of personal information relating to the employment of an employee. Examples of personal information relating to the employment of the employee include, but are not limited to, health information and information about the engagement, training, disciplining, resignation, termination, terms and conditions of employment of the employee. Please see the Act for further examples of employee records.
- Information we may collect from you
We may collect all or some of the following information relating to you:
- Information you give us. You may give us information about you by filling in forms on our sitelandlordinsure.net.au (‘our site’), through the use of our site or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you use our site, subscribe to our newsletter, search for a product, participate in discussion boards or other social media functions on our site, enter a competition, promotion or survey, and when you report a problem with our site. The information you give us may include your name, address, e-mail address and phone number, financial and credit card information, personal description or details and photograph;
- Information we collect about you. With regard to each of your visits to our site, we may automatically collect the following information:
- technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
- information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number; and
- Information we receive from other sources. We may receive information about you in addition to publicly available sources of information, if you use any of the other websites or applications we operate or the other services we provide. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
In some circumstances, we may collect personal information from you which is regarded as sensitive information pursuant to the Act. Sensitive information includes types of personal information such as your racial or ethnic origin, religious beliefs or affiliations, criminal record and health information. We will only collect sensitive information when necessary in accordance with section 3.3 of the Australian Privacy Principles as set out within the Act, about you with your consent and where reasonably necessary for, or directly related to, one or more of our functions or activities (e.g. to make insurance arrangements on your behalf). Where you provide sensitive information to us, you consent to us using that sensitive information for the purpose for which it was collected. For example, if you provide health information to us in connection with a travel insurance application you would like to make, you consent to us using and disclosing that health information in connection with arranging that travel insurance on your behalf.
- Unsolicited Personal Information
In the event that we receive unsolicited personal information that could not have been obtained through solicited means on reasonable terms, we confirm that the information will be destroyed as soon as reasonable possible.
- Uses made of the information
By providing us, or otherwise allowing us to collect, your personal information, you consent to us using and disclosing your personal information for the purposes for which it was collected, and for related or ancillary purposes. We use information held about you in the following ways:
- Information you give to us.We will use this information to:
- carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
- provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
- provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data;
- notify you about changes to our service;
- ensure that content from our site is presented in the most effective manner for you and for your computer; and
- make travel arrangements as required including flights, hotels, vehicle hire, excursions and travel insurance;
- Information we collect about you.We will use this information:
- to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
- to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
- to allow you to participate in interactive features of our service, when you choose to do so;
- as part of our efforts to keep our site safe and secure;
- to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
- to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them;
- identification of fraud or error;
- internal accounting and administration; and
- other purposes permitted or required by law (e.g. to prevent a threat to life, health or safety);
- Information we receive from other sources.We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive); and
- We are only allowed to store your personal information for as long as necessary having regard to the purpose for which it was collected or a related or ancillary purpose. We may therefore delete your personal information after a reasonable period of time and, if you have not used our services for some time, you may have to re-enter or re-supply your personal information to us.
- Disclosure of your information
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 46 of the Corporations Act 2001 (Cth) if applicable.
We may share your information with selected third parties including:
- business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;
- insurance policy holders and insurance policy or product providers;
- development organisations relating to customer, product. business or strategic research;
- strategic learning organisations, data partners and analytical consultants;
- third parties who we have engaged to conduct administration services such as:
- information technology providers;
- administration or business management services including consultancy firms and auditors;
- claims management service providers;
- print mail/mail/digital service providers; and
- imaging and document management services;
- real estate agents, onsite managers and letting agents;
- any intermediaries, including agents, advisors, brokers other Australian Financial Services Licensees and any of our authorise representatives and agents;
- accounting and finance professional and advisors;
- credit reporting agencies;
- other insurers, reinsurers, insurance investigators and claims or insurance reference services, loss assessors and/or financiers;
- legal advisors;
- the Australian Financial Services Authority;
- the Financial Services Ombudsman;
- hospitals and/ or medical, health or wellbeing professional;
- debt collection agencies;
- social media and other virtual communities and networks where people create and share information;
- advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in 4220). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience; and
- analytics and search engine providers that assist us in the improvement and optimisation of our site.
We may disclose your personal information to third parties:
- in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
- if Landlord Insure, or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;
- in the event that it is required, we may disclose to policy or product holders or others who are authorised or noted on the relevant policy as having a legal interest, including when you are an insured person;
- if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and Conditions and other agreements; or to protect the rights, property, or safety of Landlord Insure, our customers, or others. This includes exchanging information with other companies, organisations and government department for the purposes of fraud protection and credit risk reduction; and
- where we suspect that unlawful activity has been or may be engaged in and the personal information is a necessary part of our investigation or reporting of the matter.
Other than the above, we will not disclose your personal information without your consent unless we reasonably believe that disclosure is necessary to lessen or prevent a threat to life, health or safety or for certain action to be undertaken by an enforcement body (e.g. prevention, detection, investigation, prosecution or punishment of criminal offences), disclosure is authorised or required by law or disclosure is otherwise permitted by applicable privacy laws.
When you provide, or otherwise allow us to collect, your personal information, you consent to your personal information being disclosed to certain overseas recipients, as set out below under ‘Where we store your data’. Where we disclose your personal information to an overseas recipient, you agree that we will not be required to ensure the recipient’s compliance with Australian privacy laws or otherwise be liable or accountable for how the recipient handles your personal information. If you have any objections to your personal information being disclosed to an overseas recipient, please let us know.
- Where we store your personal data
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology via Bpay and Winbeat
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Landlord Insure regularly reviews security and encryption technologies and will strive to protect your personal information as fully as we protect our own confidential information.
- Your rights
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at 07 5526 8116 or by email at email@example.com
Before we disclose personal information about you to a third party, we will take steps as are reasonable in the circumstances to ensure that you are aware that we have collected the information and the purpose of collection the third party does not breach the APPs in relation to the information.
- Access to information
Subject to any exceptions set out in applicable privacy laws, we invite you to access any personal information we may hold about you. Where personal information we hold about you is not accurate, complete, up-to-date or relevant, you may ask us to correct that personal information, and we will respond to your request within a reasonable time. We reserve the right to confirm the identity of the person seeking access or correction to personal information before complying with such a request. If we deny access or correction, we will provide you with the reason for such denial. If you wish to access or seek correction of any personal information we hold about you, please contact us.
You are legally obliged to always provide accurate information and you agree to update it whenever necessary. You also agree that, in the absence of any update, we can assume that the information submitted to us is correct.
You can also choose not to provide us with some of the information we request, however as a result we may not be able to complete your arrangements.
- Opt-Out Policy
Subscribers of our site can opt out of receiving further information from us at any time. You will also be given a fast and easy option of opting out on all communications. Email us at firstname.lastname@example.org to unsubscribe.
- Tracking Technologies/Cookies
Please note that in order for us to provide you with optimum service, we use ‘cookies’ on our website.
What are cookies?
A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer’s hard disk so that the website can remember who you are. Cookies will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a value, usually a randomly generated unique number.
Two types of cookies are used on this web site – session cookies, which are temporary cookies that remain in the cookie file of your browser until you leave the site, and persistent cookies, which remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie).
Cookies allow us to obtain information regarding users of our site which essentially helps us to provide you with a better user experience and tailor our services to your individual needs. We may collect information such as your IP address, online activity, web browser details and online activity. We will not however collect or store any of your passwords or other highly sensitive data.
We use the following types of cookies on our website:
- Category 1: Strictly Necessary Cookies
These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies certain services you have asked for cannot be provided.
- Category 2: Analytical / Performance Cookies
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
- Category 3: Functionality CookiesThese cookies are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
By using our website, you agree that we can place these types of cookies on your device.
To find out more information about cookies, please visit www.allaboutcookies.org.
- Protecting your information
We take website security very seriously and we are committed to safeguarding your personal information. We conduct various physical, electronic, administrative and managerial security procedures in order to protect personal information from loss and misuse, and from unauthorised access, modification, disclosure and interference.
- External Links
Please note that our website contains certain literature and hyperlinks to websites owned by third parties. This privacy statement covers websites owned and controlled by us only. Links to other websites and any information collected by these sites are not covered by this privacy statement.
To ensure that we carry out your instructions accurately, to help improve our service and in the interest of security, we may monitor and/or record: (1) your telephone calls; and (2) customer activities on our website. All recordings are and shall remain our sole property.
- Updates and Changes
As our privacy statement may change due to developments in the law we encourage you to re-read this from time to time so you are aware of any changes in how we gather and use your personal information. We reserve the right to change our Policy at any time and for any reason. Any changes to this Policy will be either posted on our website, brochure and/or made available on request.
- Anonymity and Pseudonymity
You have the option of not identifying yourself, or using a pseudonym, when dealing with the Company in relation to a particular matter. This does not apply where:
- the Company is required or authorised by or under an Australian law, or a court/tribunal order, to deal with individuals who have identified themselves; or
- it is impracticable for the Company to deal with individuals who have not identified themselves or who have used a pseudonym.
However, in some cases if you do not provide the Company with your personal information when requested, the Company may not be able to respond to your request or provide you with the goods or services that you are requesting.
You have a right to complain about the Company’s handling of your personal information if you believe the Company has breached the APPs.
If you wish to make such a complaint to the Company, you should first contact the Privacy Officer in writing. Your complaint will be dealt with in accordance with the Company’s complaints procedure and the Company will provide a response within a reasonable period.
If you are unhappy with the Company’s response to your complaint, you may refer your complaint to the Office of the Australian Information Commissioner.
- Privacy Officer contact details
The Company’s Privacy Officer can be contacted in the following ways:
- Telephone number: 07 5526 8116
- Email address: email@example.com
- Postal address: PO Box 781, Broadbeach QLD 4218
- External Complaints
We expect that our procedures and our Privacy Officers will deal fairly and promptly with your complaint. However, should you remain dissatisfied, you may contact the following:
Office of the Australian Information Commissioner (OAIC):
Complaints must be made in writing
Phone: 1300 363 992
Director of Compliance
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Financial Services Ombudsman (FOS):
FOS is available to those individuals who come within their terms of reference. FOS will advise you if they can assist you.
Phone: 1300 780 808
Financial Ombudsman Service
GPO Box 3
Melbourne VIC 3001
Last Updated: August 2015