ICF (Australia) Pty Ltd want to provide the best possible service across our wide range of insurance and financial products and services. To achieve this, we need to make the most efficient use of your personal information.

However, it is equally important to us that you are confident that your personal information entrusted to us is treated with the appropriate degree of privacy.

What does "personal information" mean?
Personal information is any information about you that identifies you or by which your identity can be reasonably determined.

Why we collect your personal information?
Collecting your information is essential to be able to conduct the business of providing insurance and financial products and services to you.

If we do not collect and make use of your personal information, we are unable to do business with you.

How do we collect your personal information?
Where possible we collect your personal information from you. Collection may take place in a number of ways such as completing an application or proposal, or requesting information over the phone.

Sometimes personal information may be collected from other sources. This may be:

• Your employer when establishing or administering a superannuation fund
• Insurance investigation or reference in assessing a claim or applying for a  policy
• A medical practitioner assessing a claim or determining eligibility for life insurance.

In most cases we will require you to consent to any collection, use or disclosure of your personal information. Your consent will usually be in writing, but we may accept your verbal consent in certain circumstances. However, no matter how your personal information is collected, it is dealt with by us in accordance with this Privacy Policy.

Do we disclose your personal information to anyone?
We may disclose your personal information in certain circumstances. Sometimes we are required or authorised by law to disclose your personal information. We may disclose your information to a court in response to a subpoena or to the Australian Taxation Office, following a direction issued under taxation law. We may also disclose your personal information where you have consented to us doing so.

Ensuring your personal information is up-to-date.
It is important that the personal information we collect from you is accurate, complete and up- to-date. During the course of our relationship with you we will ask you to tell us of any changes to your personal information. You can contact us at any time to update your personal information, or to tell us your personal information is inaccurate or incomplete.

Is my personal information secure?
The protection of your information is a priority for us. We take all reasonable precautions to safeguard your personal information from misuse, unauthorised access, modification or disclosure. When we no longer require your personal information, we securely destroy the information from our systems. 

Can I access my personal information?
You may request access to the information we hold about you. We may be required by law to retain your personal information for a period of time after you have ceased your relationship with us. After the required time we attend to the secure destruction of your personal information.

What is a Commonwealth identifier?
These can be Tax file numbers (TFN) or Medicare numbers. We do not use Commonwealth identifiers as a means of identifying you.

Do I have to be identified at all?
Generally it is not possible for us to do business with you unless we have identified you and, in some cases, the law requires that you identify yourself to us.

Does my personal information leave Australia?
We do not send personal information outside Australia unless it is authorised by law.

SENSITIVE INFORMATION.
Sensitive information can be:

• Racial or ethnic origin
• Membership to a professional or trade association
• Sexual preferences or practices
• Criminal record
• Health

We only collect, use or disclose sensitive information about you as is allowed by law, for example where it is required or necessary for the establishment of a policy or claim.
Our Privacy Policy may change from time to time. We constantly review our policies and procedures to keep up to date with changes in law, technology and the market place. As a result we may change this policy from time to time. This Privacy Policy was last amended on 1 December 2005.
Requests for access

You can request access to your personal information by contacting our office.

Can I complain about a breach of my privacy?
You may lodge a concern or complaint with us by contacting our office.

What if I am not satisfied with the response from ICF (Australia) Pty Ltd?
If you are not satisfied with the outcome of your complaint to us, you can contact:

FEDERAL PRIVACY COMMISSIONER

Telephone: 1300 363 992

In Writing: Director of Complaints

Office of the Federal Privacy Commissioner

GPO  BOX 5218