Privacy Policy
1. Introduction
Chase Underwriting Solutions Pty Ltd (“Chase”, “we”, “us”, “our”) is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (“APPs”), and any other applicable privacy laws and regulations. This Privacy Policy explains how we collect, use, disclose and protect Personal Information when we provide underwriting, insurance, claims management and related services. This policy applies to our website, our products and services, and all dealings you have with us. By providing us with Personal Information, you consent to us handling that information in accordance with this Privacy Policy.
2. Types of Personal Information we collect
The Personal Information we collect will depend on the nature of our relationship with you, and may include:
- Name, address, telephone number, email address;
- Date of birth and identification details;
- Occupation and employment information;
- Insurance policy details, including insurance held with other companies;
- claims history and claims information;
- financial information relevant to insurance applications or claims;
- payment and banking details;
- records of communications with us;
- information relating to insured assets, businesses or activities;
- information about beneficiaries, directors, officers, employees or representatives;
- website usage information;
- any other information reasonably necessary for us to provide insurance products and services; and
- where relevant to underwriting or claims assessment, we may also collect Sensitive Information, including health information, and information about past convictions, where reasonably necessary for our functions and activities and in accordance with the Privacy Act 1988 (Cth). Where required by law, we will obtain your consent before collecting sensitive information.
3. How we collect Personal Information
We generally collect Personal Information directly from you when you complete proposal forms, claim forms, applications or other documents, communicate with us by telephone, email or correspondence, interact with our website, or otherwise engage with us in relation to our products and services.
We may also collect Personal Information from third parties where necessary to provide our services. These third parties may include insurance brokers, other insurers, reinsurers, claims managers, loss adjusters, investigators, assessors, medical practitioners, health service providers, government agencies, legal advisers, publicly available sources, persons authorised to act on your behalf, and any other person or organisation that we reasonably need to deal with in order to provide our services.
When arranging insurance, we collect the information reasonably necessary to understand your insurance requirements, assess risks and enable us to determine whether insurance can be offered and on what terms.
4. Why we collect, use, and hold Personal Information
We collect, hold and use Personal Information for purposes reasonably necessary to conduct our business and provide our products and services, including:
- assessing insurance applications and underwriting risks;
- arranging and administering insurance products;
- managing policy renewals and policy administration;
- handling, assessing and investigating claims;
- detecting and preventing fraud;
- responding to enquiries and providing customer support;
- complying with legal and regulatory obligations;
- resolving complaints and disputes;
- conducting business administration activities;
- improving our products, services and customer experience; and
- any purpose authorised or required by law.
We may use your Personal Information to provide information about products and services that may be of interest to you. You may opt out of receiving direct marketing communications from us at any time by using the unsubscribe facility in the communication or by contacting us using the details set out in this Privacy Policy.
5. Disclosure of Personal Information
In the course of conducting our business, we may disclose Personal Information to insurers, reinsurers, insurance brokers, other underwriting agencies, claims managers, loss adjusters, investigators, assessors, legal advisers, information technology providers, cloud hosting providers, payment service providers, auditors, professional advisers and other service providers who assist us in operating our business. When arranging insurance on your behalf, we may provide your Personal Information to insurers, intermediaries and premium funding providers to enable them to assess risks and determine whether insurance will be offered and on what terms. Insurers and intermediaries may subsequently disclose information to reinsurers for the same purposes.
Where a claim is made, we may disclose information to insurers and parties involved in the assessment, investigation or management of the claim, including loss adjusters, investigators, legal advisers and medical service providers. We may also disclose Personal Information where required or authorised by law.
We take reasonable steps to ensure that third parties to whom we disclose personal information handle that information in accordance with relevant privacy obligations.
6. Overseas disclosure
Some of the service providers, insurers or reinsurers to whom we disclose Personal Information may be located outside Australia.
Where we disclose personal information overseas, we will take reasonable steps to ensure the recipient handles the information in a manner consistent with Australian privacy laws, unless an exception under the Privacy Act applies. By providing your Personal Information and consenting to this Privacy Policy, you acknowledge that your information may be disclosed to overseas recipients.
7. Website information, cookies and online forms
When you visit our website, certain information may be collected automatically, including:
- Your IP address or server address
- The date and time of your visit
- Pages viewed, on-page activity and links accessed
- Browser and device information
This information does not generally identify you personally and is used for statistical, security and website improvement purposes.
Our website may use cookies to improve functionality and user experience. Cookies are small files stored on your device that help us recognise repeat visits and enhance website performance. You can configure your browser to refuse or notify you about cookies. Refusing cookies may affect website functionality or performance.
Our website may allow users to submit information through online forms. Information submitted via online forms is encrypted. An option is available to download forms in an editable format and submit it to us by email. If you have concerns about the security of information provided through online forms, we recommend downloading the form and emailing it to us instead. Emails sent to and from Chase are encrypted.
8. Access and correction
You may request access to the Personal Information we hold about you and request corrections if you believe the information is inaccurate, out of date, incomplete, irrelevant or misleading. Requests should be made in writing to our Privacy Officer.
We do not charge for making an access or correction request. However, where providing access requires substantial administrative effort, we may charge a reasonable fee, which will be discussed with you beforehand.
9. Privacy complaints
If you believe we have breached your privacy or mishandled your personal information, you may lodge a complaint with us by contacting our Privacy Officer using the contact details below. Please provide sufficient details about your complaint and any supporting information. We will acknowledge your complaint and endeavour to resolve it within 30 business days.
If you are dissatisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):
Phone: 1300 363 992
Website: https://www.oaic.gov.au
10. Contact us
If you have any questions about this Privacy Policy, wish to access or correct your personal information, or would like to make a privacy complaint, please contact:
Email: Compliance@chaseuws.com.au
Privacy Officer
Chase Underwriting Solutions Pty Ltd
PO Box 348
South Melbourne VIC 3205
11. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements or business operations. The current version will be available on our website.