At FDCA, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth).
This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
We use the information you provide to arrange your insurances. We provide this information to the Underwriting Agencies and Insurers who arrange and provide your Insurance. We also provide information about the status of your Public Liability Insurance to; your Family Day Care Scheme, and /or in home care service; your landlord if you are a tenant; your Premium Funder if you elect to pay by Instalments. Otherwise we do not provide this information to anyone else unless we are required to do so by Law.
To enable us to quote on and insure risks, we collect the information we need to assess the risk and whether and on what terms we will insure it. We may need to provide this information to our risk carriers and reinsurers. Some of these companies may be located outside Australia.
When a claim is made under the policy, to enable us to assess the claim, we and our representatives (including loss adjustors, investigators, medical advisers and lawyers) collect information about the claim, some of which may be personal information. We may collect the information from our insured or from third parties. We provide this information to those we have appointed to assist us to consider the claim. Again this information may be passed on to our risk carriers and reinsurers.
We may use your personal information internally to help us improve our services and help resolve any problems. We also use your information to send you requested product and promotional material and to enable us to manage your ongoing requirements (ie, invoicing, renewals, and customer surveys). We may do so by mail or electronically unless you tell us you do not wish to receive electronic communications.
We may also notify you about new services and any special offers, events that may be of interest to you. We may send you regular updates, newsletters, by email or post on insurance matters. If you would rather not receive this information please notify us.
You can check the information we hold about you at anytime.
The Data we collect
Emails and Electronic Forms
We will record your email address only if you send us a message. Your personal information will only be used for the purposes for which you have provided it. Your email address will not be added to a mailing list, unless you have provided it to us in order to subscribe to one of our subscription services.
Where you choose to send us a completed electronic form that includes your personal details, we do collect personally identifiable information, such as name, address and email address.
The information collected by email or electronic forms will be used only for the purpose for which you provided it, and we will not disclose it without your consent, except where authorised or required by law.
The Data We Collect - Browsing (Clickstream data)
When you look at this web site, our server makes a record of your visit and logs the following information:
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the previous site visited |
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the user's server address |
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the user's top level domain name (for example .com, .gov, .au, .uk etc) |
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the date and time of visit to the site |
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the pages accessed and documents viewed |
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the type of browser used |
The data listed above is collected for the following purposes:
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web site and system administration, including monitoring to prevent security breaches |
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enhancement of the web site to the user's need |
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research and development |
No attempt will be made to identify users or their browsing activities, except in the unlikely event that a law enforcement (or other government) agency exercises a legal authority to inspect ISP logs (eg, by warrant, subpoena, or notice to produce).
Cookies
In order to collect this Browsing data we may use “cookies”
A cookie is a small amount of information stored on your computer by our web site server. It is information that your web browser sends back to our web site server whenever you visit it again. We use cookies to ‘remember’ your browser between page visits. In this situation, the cookie identifies your browser, not you personally. No personal information is stored within Family Day Care Australia’s cookies.
Publishing Personal Information
We will only publish personal information on this site if it has been collected for this purpose with your knowledge or if you have consented to the disclosure. When giving such consent you should be aware that information published on this site is accessible to millions of users from all over the world, that it will be indexed by search engines and that it may be copied and used by any web user. This means that, once the information is published on this site, we will have no control over its subsequent use and disclosure.
What if you don’t provide some information to us?
We can only issue insurance cover and assess claims under the policy if we have all relevant information. The insurance laws also require insureds to provide us with all the information we need in order to be able to decide whether to insure and on what terms.
How do we hold and protect your information?
We hold the information we collect from you in secure computer storage facilities. We keep your information safe by locks and security systems, passwords, antivirus mechanisms, auditing and data integrity checks.
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, e.g. to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may provide your information to others if we are required to do so by law 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.
If you wish to access or correct your personal information please write to FDCA Compliance and Systems Officer –PO Box 571 Gosford NSW 2250. Telephone 02 43201100
We do not charge for receiving a request for access to personal information or for complying with a correction request.
Your Consent
By asking us to quote or insure you, you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact FDCA Compliance and Systems Officer –PO Box 571 Gosford NSW 2250. Telephone 02 43201100
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