A copy of this Privacy Policy is available via the website www.oregangroup.com.au, or you can contact us to request a copy. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Australian Information Commissioner at www.oaic.gov.au.
What information do we collect and how do we use it?
When we arrange insurance on your behalf, we are subject to certain legislative and regulatory requirements which necessitate us to obtain personal information about you. We may ask you for the information we need to advise you about your insurance needs and management of your risks. This can include a broad range of information ranging from your name, address, contact details, age to other information about your personal affairs including your assets, personal belonging, financial situation, health and wellbeing.
We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms, or to fund your premium and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside of Australia. For example, if we seek insurance terms from an overseas insurer (e.g. Lloyd’s of London), your personal information may be disclosed to the insurer. If this is likely to happen, we inform you of where the insurer is located, if it is possible to do so.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, e.g. loss adjusters, medical brokers etc.) to enable it to consider your claim. Again this information may be passed on to reinsurers.
We also use your information to send you requested product information and to enable us to manage your ongoing requirements, for example, renewals, and our relationship with you, for example invoicing, surveys etc. We may do this electronically (unless you advise us you do not wish to receive electronic communication) or by mail.
From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. If you would rather not receive this information or do not wish to receive it electronically, unsubscribe by emailing or writing to us and we will no longer send this information to you.
What if you don’t provide some information to us?
We can only fully advise you and assist in arranging your insurance or with a claim, if we have all relevant information. The insurance laws also require you to provide your insurers with the information they need in order to be able to decide whether to insure you and on what terms. You have a duty to disclose the information which is relevant to the insurer’s decision to insure you. You can deal with us anonymously or by a pseudonym where it is lawful and practicable to do so. For example, if you make contact by telephone for our postal address.
When do we disclose your information overseas?
If you ask us to seek insurance terms and we recommend an overseas insurer, we may be required to disclose the information to the insurer located outside Australia. For example, if we recommend a policy provided by Lloyd’s of London, your information may be given to the Lloyd’s broker and underwriters at Lloyd’s of London to make a decision about whether to insure you.
We will tell you at time of advising on your insurance if they are overseas and in which country the insurer is located. If the insurer is not regulated by laws which protect your information in a way that is similar to the Privacy Act, we will seek your consent before disclosing your information to the insurer.
Australian and overseas insurers acquire reinsurance from reinsurance companies that are located throughout the world, so in some cases your information may be disclosed to them for assessment of risks and in order to provide reinsurance to your insurer. We do not make this disclosure, this is made by the insurer (if necessary) for the placement for their reinsurance program.
We may also disclose information we collect to the providers of our policy administration and broking systems that help us to provide our products and services to you. These policy administration providers and broking systems may be supported and maintained by organisations in New Zealand, the Philippines and Vietnam and your information may be disclosed to those organisations. Please note that the Privacy Act and Australian Privacy Principles may not apply to these organisations.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. To ensure we maintain this level of accuracy we recommend that you inform us of any errors in your personal
We hold the information we collect from you initially in a working file, which when completed is electronically imaged and stored, after which any paper is destroyed by an independent contracted secure destruction company. We only use secure destruction companies located in Australia who are also regulated by the Privacy Act.
We ensure that your information is safe by protecting it from unauthorised access, modification and disclosure. We maintain physical security over our paper and electronic data and premises, by using locks and security systems. We also maintain computer and network security; for example, we use firewalls (security measures for the internet) and other security systems such as user identifiers and passwords to control access to computer systems where your information is stored.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others. We may need to provide your information to contractors who supply services to us, for example, to handle mailings on our behalf, auditors, external data storage providers or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. We may also disclose information we collect to the providers of our policy administration and broking systems that help us to provide our products and services to you. However, we will take reasonable measures to ensure that they protect your information as required under the Privacy Act. We may provide your information to others if we are required to do so by law, you consent to the disclosure or under some unusual other circumstances which the Privacy Act permits.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.
If you wish to access or correct your personal information please write to our Privacy Officer at O’Regan Group Insurance Brokers, Level 1 / 297 Vincent Street, Leederville WA 6007 or PO Box 231, Leederville WA 6903 or email admin@oregangroup.com.au.
We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time, then a charge will need to be confirmed for responding to the request for the information.
In some limited cases, we may need to refuse access to your information, or refuse a request for correction. We will advise you in writing as soon as possible after your request if this is the case and the reasons for our refusal.
Our Website
Anonymous data – We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.
Cookies – In order to collect this anonymous data we may use “cookies”. Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves can not be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. Once you leave the site, the cookie is destroyed and no personal or other information about you is stored.
Forms - Our website allows visitors to submit information via self-service claims notification forms. The information submitted via these notifications is not encrypted – it is sent to our offices via email and is also stored on a database which is accessible by O’Regan Group staff (password protected).
Your consent
By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purpose described above.
Who should I contact for any questions or complaints?
We welcome your questions and comments about privacy. If you have concerns about whether we have complied with the Privacy Act or this Privacy Policy when collecting or handling your personal information, please write to our Privacy Officer at
O’Regan Group Insurance Brokers, Level 1 / 297 Vincent Street, Leederville WA 6007 or PO Box 231, Leederville WA 6903 or email admin@oregangroup.com.au. Your complaint will be considered by us through our internal disputes resolution (IDR) process and we will respond with a decision within 30 days of you making the complaint and provide you with information concerning referring your complaint to the Australian Financial Complaints Authority (AFCA) if we cannot resolve the matter. Further information on our IDR process can be found here on our website.
Privacy Policy
Surefire Insurance Brokers Pty Ltd | ABN 33 664 956 567 | AFSL 554324
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The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Surefire Insurance Brokers Pty Ltd will bear no responsibility or liability for any action taken by any party on the purported basis of information contained herein. Users should satisfy themselves of the appropriateness of the information to their relevant circumstances before taking any action.
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We are proud subscribers to the Insurance Brokers Code of Practice, which has been developed by the National Insurance Brokers Association as part of a national self-regulatory scheme intended to promote and maintain high levels of professionalism and integrity in insurance broking.