Downunder Worldwide Travel Insurance Services ltd
128 Hurstmere Road
Auckland
New Zealand
Ph 1800 148 766
Fax 1800 000 143
American Home Assurance Company ("AHAC") is a wholly owned subsidiary of the American International Group ("AIG").
PURPOSE OF COLLECTION
AHAC collects information necessary to underwrite and administer Your insurance cover, to maintain and to improve customer service and to advise You of Our products. You have a duty under the Insurance Contracts Act to disclose certain information. Failure to comply with Your duty of disclosure or to provide certain information may result in AHAC either declining cover, cancelling Your insurance cover or reducing the level of cover.
In the course of administering Your Policy We may disclose Your information to:
- another member of the AIG group of companies either in Australia or overseas.
- contractors or third party providers providing services related to the administration of Your Policy.
- banks and financial institutions for the purpose of processing Your application and obtaining Policy payments..
- In the event of a claim assessors, third party administrators, emergency providers, retailers, medical providers, travel carriers
- Our assistance provider who will record all calls to the assistance service provided under your policy for quality assurance training and verification purposes.
We will only disclose Your personal information to these parties for the primary purpose for which it was collected. In some circumstances AHAC is entitled to disclose Your personal information to third parties without Your authorisation such as law enforcement agencies or government authorities.
ACCESS TO YOUR INFORMATION
You may gain access to Your personal information by submitting a written request to AHAC.
In some circumstances, AHAC may not permit access to Your personal information. Circumstances where access may be denied include where it would compromise the privacy of other individuals, or where it would be unlawful.
AHAC has also established an internal dispute resolution process for handling customer complaints and an access and correction procedure. Both procedures are generally free of charge however We reserve the right to charge for access requests in limited circumstances. If You feel You have a complaint about AHAC's Information Privacy Principles, require assistance in lodging a privacy
complaint or You wish to gain access to the information, You may write to The Privacy Manager, American Home Assurance Company, 549 St Kilda Road, Melbourne, or e-mail australia.privacy.manager@aig.com. Your complaint will be reviewed and You will be provided with a written response. If it cannot be resolved, Your complaint will be referred to AHAC's Internal Disputes Resolution Committee who will respond within 15 working days. In either case the matter will be reviewed by a person or persons with appropriate authority to deal with the complaint.
Should Your complaint not be resolved by AHAC's internal dispute resolution process, You may take Your complaint to the Insurance Ombudsman Services Limited (IOS). This service is free of charge to You and the Committee has the power to investigate complaints and recommend appropriate action to AHAC to remedy Your complaint. The Privacy Compliance Committee may refer a complaint to the Privacy Commissioner or another code adjudicator where it is more appropriate to do so. A person aggrieved by a determination made by the Privacy Compliance Committee may apply to the Privacy Commissioner for review of the determination.
CONSENT ACKNOWLEDGEMENT
By signing the travel insurance application form and any associated form you consent to the uses of your personal information stated in the above privacy statement.
Downunder Travel Insurance Privacy Policy
By submitting any information about you and, where applicable, others within this website, you and they consent to its use as set out in this Privacy Policy.
The internet is not a secure medium. However, we are committed to ensuring that your privacy is protected. The Privacy Policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. We recommed you read it before you provide any information to us. You can access the Privacy Policy by clicking 'Privacy Policy' on the top menu.
The information we collect and how we use it
Within the site, we may ask you to provide us with relevant personal information in order that we can provide you with the product or service requested, undertake administration and generally service and maintain your policy, including responding to any query that you may raise with us.
All personal information supplied by you will be treated in confidence by the Downunder Insurance Group of Companies and will not be disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide you with the products and services this information will be held in the data systems of the Downunder Insurance Group of Companies or our agents or subcontractors.
The Downunder Insurance Group of Companies may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside Australia in countries which may not have laws to protect your personal information, but in all cases the Group will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided to you on request.
The Downunder Insurance Group of Companies would also like to keep you informed (by telephone, post or email) of selected products and services available from us and our carefully chosen suppliers. If you would prefer to not receive this information please let us know when you contact us.
As part of the process of providing you with the product and service required, we may undertake certain checks or exchange information through various databases. For example, as part of the process for underwriting general insurance products we may check with a licensed credit-referencing agency and a record of this search will be made. Also, we may exchange information with other insurers or management companies through various databases to help us check information and also to prevent fraud. Should we make any checks or exchange information we will include further details within the website or when we write to you.
For your protection, any telephone calls to our Service Centres will be recorded and may be monitored.
'Cookies'
When you visit our site, we may attach a 'Cookie' to your browser. Cookies are small text files that allow us to identify your computer, recognise repeat users , observe anonymous user behaviour and compile aggregate data about users in order to improve the service we provide. the data we collect using Cookies does not identify individual users and is only used for tracking and analysing use of the site. In some cases we use a reputable third party ad serving company for these purposes.
Most web browsers will accept Cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. However, without Cookies, you may not be able to use the full functionality of our site, including personalisation of the web content to reflect your personal usage.
How we protect your information
We capture your personal information, such as names and addresses, over a secure link using recongnised industry standard Secure Sockets Layer (SSL) technology which encrypts the data whilst passing it over the web. This will be indicated on most browsers by a lock in the status bar at the bottom of the screen.
Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel.
Your Consent
When you submit your information within this website you consent to the use of that information as set out in this Privacy Policy. If we change the Privacy Policy we will post the changes on this page and may place notices on other pages of the web site so that you are aware of how we use your information at all times. If you continue to use the services you will signify that you agree to any such changes.
The Internet is a global medium and therefore your information may be transferred outside the Australian Economic Area en route. By submitting your information, you consent to such a transfer.
Complaints regarding the handling of your personal information
If you believe your privacy may have been prejudiced, you have the right to make a complaint about the matter.
We suggest, your complaint in the first instance should be addressed to us either in writing or by telephone:
Ph 1800 148 766
Fax 1800 000 143
Email australia@duinsure.com
The Privacy Officer
128 Hurstmere Road
Auckland
New Zealand
We will investigate the matters raised by you and respond directly to you.
If you are dissatisfied with our response, you should refer the matter to the Privacy Commissioners Office in accordance with the act.