Privacy Policy
1. Application
This Privacy Policy applies to Personal Information collected by Pacific International Insurance Pty Limited (“Pacific”). Pacific is bound by the Australian Privacy Principles (“APPs”) set out in the Privacy Act 1988 (Cth) (the Act). Pacific will only collect, use or disclose Personal Information in accordance with the Act and this Privacy Policy.
In this Privacy Policy, Personal Information means information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent or can reasonably be ascertained. Sensitive Personal Information includes information such as health information and information about a person’s race, ethnic origin, political opinions, membership of political, professional or trade associations, religious or philosophical beliefs, sexual preferences, and criminal history.
Pacific generally only collects Personal Information that is reasonably necessary in connection with the services it provides.
2. Our Commitment to Privacy
Pacific is committed to protecting the privacy of Personal Information. Any questions, concerns or complaints about the handling of Personal Information may be raised with Pacific’s Privacy Officer, as outlined in section 9.
3. Personal Information Collected, Held, Used and Disclosed
3.1 Types of Personal Information Collected and Held
The types of Personal Information Pacific collects depend on the services you require and may include:
- your name and date of birth;
- contact details, including telephone number, address and email address;
- information relevant to your application for insurance, including claims history, industry licences or qualifications;
- information relevant to insurance claims, including policy details, inspection records, treatment details, claimant information and responses to allegations;
- information collected in connection with additional benefit services, such as information about pets and their health;
- bank account or credit card details for payment purposes; and
- information about the services you request from Pacific.
3.2 How Personal Information is Collected and Held
Pacific collects Personal Information through website, email or telephone enquiries; through its brands, distribution partners and underwriting partners; and indirectly through agents, partners or related entities. Pacific also may obtain data from the National Claim and Policies Database or other industry resources for General Insurance underwriters.
Personal Information is generally held in secure electronic databases and, where required, in secure physical storage. Pacific takes reasonable steps to protect Personal Information from misuse, interference and loss, and from unauthorised access, modification or disclosure. When Personal Information is no longer required, Pacific takes reasonable steps to destroy or permanently de-identify it.
3.3 Purposes for which Personal Information is Collected, Held, Used and Disclosed
Pacific collects, holds, uses and discloses Personal Information for purposes reasonably necessary to carry out its functions and activities, including underwriting insurance, managing claims, providing related services, responding to enquiries and meeting legal obligations.
4. Pacific Guidelines for Personal Information
Pacific collects Personal Information by lawful and fair means and not in an unreasonably intrusive way. You may deal with Pacific anonymously where lawful and practicable, however failure to provide required Personal Information may limit services.
If you provide Personal Information about another individual, you confirm you are authorised to do so and that the individual has been informed of this Privacy Policy.
Pacific may use AI-enabled tools to assist in providing its services. Where Personal Information is processed using such tools, Pacific applies appropriate privacy, confidentiality and oversight controls and ensures outputs are subject to human review where relevant.
5. Use and Disclosure of Personal Information
Pacific may disclose Personal Information to related entities, service providers, reinsurers, professional advisers, regulators and other parties as required or permitted by law. Pacific takes reasonable steps to ensure third parties handle Personal Information appropriately.
If Pacific uses or discloses your personal information for a secondary purpose then, to the extent required by law, it will ensure that:
- the secondary purpose is related to the primary purpose of collection, and you would reasonably expect Pacific to use or disclose your personal information for this secondary purpose;
- you have consented to the use of your personal information;
- the use or disclosure is required or authorised by or under law; or
- the use or disclosure is otherwise required or permitted by law (for example, as a necessary part of an investigation of suspected unlawful activity).
Pacific may need to disclose your personal information to the following entities:
- a related body corporate or subsidiary;
- its employees, agents and suppliers;
- its consultants, reinsurers and professional advisers;
- its insurance agents;
- Government and law enforcement agencies;
- a potential purchaser of Pacific business or its issued shares or an investor in Pacific; and
- outsourced debt collection services operating on Pacific’s behalf.
6. Access and Correction of Personal Information
You may request access to, or correction of, Personal Information held by Pacific. Access will be provided within a reasonable time unless an exception under the Act applies.
7. Resolving Privacy Issues or Concerns
Privacy concerns may be raised with Pacific’s Privacy Officer. If you are not satisfied with the response, you may lodge a complaint with the Office of the Australian Information Commissioner.
8. Disclosing Personal Information to Overseas Recipients
Pacific may disclose Personal Information to overseas recipients, including service providers located in New Zealand, South Africa, the United States and the United Kingdom. Pacific takes reasonable steps to ensure overseas recipients handle Personal Information consistently with the Australian Privacy Principles.