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Zurich's Privacy Policy
Zurich's Privacy Statement
Information sharing
Use of cookies
Traffic tracking
Zurich's Privacy Policy
In this Privacy Policy:
“Zurich”, “we”, “our” and “us” means Zurich Financial Services Australia Ltd and all the Zurich companies listed at the end of this Policy.
National Privacy Principles
Zurich is bound by the National Privacy Principles.
What type of information does Zurich hold?
The type of information we hold varies depending on the type of product or service we provide to you. For example, Zurich will hold different information about you if you have a life insurance policy than we will hold if you have a managed investment.
In general, Zurich may hold the following personal information:
- name and address
- date of birth
- contact details, which may include your telephone number
- your gender.
Zurich may also hold the following information about you:
- occupation
- type of property that is being insured
- tax file number, where you have given it to us
- health information (for some types of insurance)
- information relevant to your financial situation, for example where we have prepared a financial plan for you
- insurance claim information, where this is relevant
- your employer's name and address
- your salary
- the names and addresses of your dependants or beneficiaries
- other information that you have given us.
How does Zurich use this information?
We use this information to provide you with Zurich products or services.
The types of products Zurich provides are, in general:
- general insurance products, such as Personal insurance on Home Building and Contents, Motor, Boat, Valuables and Travel as well as Business insurance over the assets and liabilities of businesses.
- life insurance products, such as insurance for your life, permanent disability and income replacement
- investment products and services such as managed investment funds and investor directed portfolio services
- superannuation products, such as superannuation funds, investments for superannuation funds and investment insurance policies
- financial advice and services.
We may also use the information to send you material about other Zurich products or services. If you do not want to receive this type of material, tell us and we will stop. Our contact details are set out below.
Does Zurich usually share information with other companies?
Zurich shares information, where needed, with internal and external service providers, business partners and consultants. These might include administrators, mailing houses, reinsurers, claims assessors and advisers. For further information and a list of the type of service providers, business partners and consultants used by Zurich, please click here. Zurich also shares information as required by law e.g. the ATO, Centrelink.
We do not sell mailing lists.
How does Zurich handle a request for access to personal information?
Under the National Privacy Principles you are generally entitled to access the information we hold about you. Where you are entitled to access, the time we require to give you access will depend on the type of information requested. If we can, we will answer your question immediately. We will also try to answer you in the same way that you ask, for example, if you telephone to ask for the information we will, if practicable, give you that information over the telephone. We will generally respond to a written request in writing.
Sometimes, we will ask that you put your request in writing, for example, where you want copies of material or access to older information or files which are not current or it is necessary for us to retain a record of your request.
We may also ask you to identify yourself to our satisfaction.
You may be able to access some information yourself through Zurich's website. If you have difficulties with finding the information you want or using the website, please advise us.
In some circumstances, we may charge a fee for giving you access, which will vary but will be based on our costs (internal and external) in locating the information and the form of access you require. If we propose to charge a fee for giving access, we will give you an estimate of the fee so you can confirm that you still want us to give you access to the information. We do not impose any charge for lodging a request for access.
If we are entitled under the National Privacy Principles to refuse to give you access, we will tell you and provide reasons.
What if some of the information Zurich holds is wrong?
Please tell us. We want our records to be accurate, complete and up to date. Unless we disagree with you about the accuracy or completeness of a record, we will generally correct it on request, (or suggest alternative arrangements for updating our records). If we disagree with you, we will give you our reasons.
How do I make further enquiries or complain about a breach of privacy?
If you require more information about the way Zurich manages personal information or wish to make a complaint about a breach of your privacy, please contact Zurich (see below for details) and ask to speak to the Zurich Privacy Officer.
How can I contact Zurich?
- Call us
Privacy Officer 132 687
- Email us
Privacy.Officer@zurich.com.au
- Write to us
The Privacy Officer
Zurich Financial Services Australia Limited
PO Box 677, North Sydney NSW 2059.
Changes to this Privacy Policy
We reserve the right to review and amend this Privacy Policy from time to time and to notify you by posting an updated version on our website (www.zurich.com.au).
Which Companies are covered by this Policy?
- Zurich Financial Services Australia Limited
(ABN 11 008 423 372)
- Zurich Australian Superannuation Pty Limited
(ABN 78 000 880 553)
- Zurich Australian Insurance Limited
(ABN 13 000 296 640)
- Zurich Australian Insurance Properties Pty Ltd
(ABN 79 002 463 292)
- Zurich Australia Limited
(ABN 92 000 010 195)
- Zurich Properties Limited
(ABN 80 000 010 962)
- Zurich Investment Management Limited
(ABN 56 063 278 400)
- Zurich Australian Workers Compensation Limited
(ABN 46 003 109 966)
- Zurich Workers Compensation Victoria Pty Limited
(ABN 16 059 697 755)
Zurich's Privacy Statement
Zurich Financial Services Australia Limited and its related entities (“we”/“us”) are bound by the National Privacy Principles. Before providing us with any Personal Information or Sensitive Personal Information, you should know that:
- we need to collect Personal Information and, in some cases, Sensitive Personal Information about you in order to comply with our legal obligations, assess your application and, if your application is successful, to administer the products or services provided to you (‘Purposes’);
- where relevant for these Purposes, we will disclose the Personal Information and/or Sensitive Personal Information to your adviser (and the licensed dealer or broker they represent) and to our agents, contractors and service providers that provide financial, administration or other services in connection with the operation of our business or the products and services we offer;
- a list of the type of agents, contractors and service providers we commonly use is available below or on request;
- we may use Personal Information (but not Sensitive Personal Information) collected about you to notify you of other products and services we offer. If you do not want your Personal Information to be used in this way, please contact us;
- we may also disclose Personal Information or Sensitive Personal Information about you where we are required or permitted to do so by law;
- if you do not provide the requested information or withhold your consent for us to disclose your Personal Information or Sensitive Personal Information, we may not be able to accept your application, administer the products or services provided to you, action a transaction you have requested or respond to an enquiry raised by yourself;
- in most cases, on receiving a written request, we will give you access to the personal information we hold about you. However, we may charge a fee for this service; and
- for further information, or a copy of Zurich's Privacy Policy, you can contact us by telephone on 132 687, email us at privacy.officer@zurich.com.au or by writing to The Privacy Officer, Zurich Financial Services Australia Limited, PO Box 677, North Sydney NSW 2059.
Information sharing
Zurich needs to collect personal information about you to provide you with our products and services. Zurich will also, where relevant, disclose your personal information (including sensitive information*) to our service providers, business partners and other consultants for this purpose, e.g. in assessing your application or dealing with a claim under an insurance policy.
Generally, we ask for your consent to do this before or when we collect information from you. A list of the type of service providers, business partners and consultants we commonly use for our products and services follows:
*Sensitive information, such as health information, will be collected in some cases, for example in dealing with claims under life insurance or casualty policies. Zurich only collects sensitive information in accordance with the National Privacy Principles.
General insurance policies (all types)
e.g. property insurance, motor vehicle insurance, insurance offered under credit cards, specialty insurance
- accountants
- architects
- assessors
- repairers
- reinsurers
- builders
- engineers
- hydrologists
- surveyors
- fire brigades
- claims administrators
- police
- property valuers
- auctioneers (salvage)
- investigators
- legal advisers
- project managers
- insurance reference bureaus
- recovery/debt collection agents
- data retrieval agencies
- goods replacement suppliers
- financial institutions (who issued the credit card under which a claim is made)
General insurance policies where sensitive information may be required
e.g. casualty, travel and/or income replacement insurance
In addition to the service providers and business partners listed for all general insurance policies:
- medical practitioners and specialists
- medical providers such as hospitals
Compulsory Third Party (CTP)
- medical practitioners
- investigators
- solicitors
- RTA
- police
- mediators
- other CTP insurers
- accountants
- legal advisers
- traffic engineers
- external auditors
- rehabilitation providers
- medical providers and hospitals
- insurance reference bureaus
- Motor Accident Authority
- Insurance Council of Australia
Workers Compensation
- medical practitioners and specialists
- injury management advisers
- WorkCover authorities
- legal advisers
- police
- investigators
- other insurers
- medical providers and hospitals
- rehabilitation advisers and providers
Life insurance, superannuation and managed investments
- medical practitioners and specialists
- accountants
- investigators
- reinsurers
- legal advisers
- regulators
- medical providers and hospitals
- rehabilitation providers
- external administrators (particularly for investment and superannuation products)
Use of cookies
A cookie is a small, text-based file used frequently on some websites and portals. They can be permanently stored on your hard drive (persistent cookie) or in your computer's memory (session cookie).
Zurich uses session cookies to interact with your browser. They are designed to assist and streamline the exchange of information between your computer's browser and our computer systems. For example, a session cookie is created after you log in with your user name and password and your access is authenticated. The session cookies assists in validating that Zurich's computer is communicating with your web browser throughout the time you access the website during the session. When you end the session by logging off or closing the browser, the session cookie is rendered inoperable.
Other cookies used by Zurich collect information about the use of Zurich's website. The information collected includes where visitors connect from, what version of browser they use and their path through the site. It helps us to provide personalised features and to meet online expectations of our clients, as well as keep our content fresh and relevant. The collection and collation of this anonymous data does not identify the person.
Zurich does not use cookies to collect information which can personally identify you.
The use of cookies however, is ultimately governed by you, as you can choose if and how a cookie can operate by configuring certain preferences and options in your browser. They need to be enabled if you wish to use the secure log in services here. Choosing to disable cookies will return you to the log in page.
Traffic tracking
Zurich utilises Urchin Reporting software to report and measure traffic patterns to, from and within this website. The tracking technology collects various information anonymously, including; which pages are visited, the number of unique visitors, paths taken within the website, duration of visits and entry/exit points to the website.
For each visitor to our website, our web server automatically recognises only the visitor's domain name and IP address where possible.
Zurich collects the domain name and IP address of visitors to our web pages but does not in any way identify the actual user. No personal information about a user is able to be gathered, stored or retrieved under this technology.
We use the aggregated reporting provided by Urchin to better manage, analyse and develop our websites.
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