Getting the best from life & disability
insurance for you
 
 

OUR WEBSITE PRIVACY POLICY

At Mackellar Financial Services Pty Ltd (MFS), our Authorised Representatives and staff are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

Website information and content

The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site. To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement. We will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. To the extent permitted by law we will not be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this site. We believe the content of this site to be accurate, complete and current, however there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. We reserve the right to modify the content of this site from time to time.

What information do we collect and how do we use it?

When insurance is arranged on your behalf, we ask you for the information we need to advise you about your insurance needs and the management of your risks. We provide any information that the insurers, whom we ask to quote for your insurances, may require to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia. When you make a claim under your contract of insurance, 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 ie: loss adjusters, medical advisers 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 promotional material to enable us to manage your ongoing requirements (i.e. renewals) and our relationship with you (i.e. invoicing, client surveys etc). We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications. We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information, email or write to us. We may use your information internally to help us improve our services and help resolve any problems.

What if you don't provide some information to us?

We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.

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. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements We ensure that your information is safe by protecting it from unauthorised access, modification and disclosure. We maintain electronic data stores and premises, such as 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.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others. 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 MFS holds your personal information we will, where possible, provide you with access to the information. If you wish to correct your personal information please write to :

The Privacy Officer
Mackellar Financial Services Pty Ltd
PO Box 3114
MANLY EAST NSW 2095

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.

What we expect of you

When you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, the purposes we may use it for, the types of third parties we disclose it to and how they can access (as described in this document). If it is sensitive information we rely on you to have obtained their consent to the above. If you have not done either of these things, you must tell us before you provide the relevant information. If we give you personal information, you and your representatives must only use it for the purposes we agreed to. Where relevant you must meet the requirements of the National Privacy Principles set out in the Privacy Act 1988 when collecting, using, disclosing and handing personal information on our behalf. You must also ensure that your agents, employees and contractors meet the above requirements.

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 purposes described above.

Opting Out

We send you any information about services or products, or you do not want us to disclose your personal information to any other organisation (including related bodies corporate) you can opt out by contacting us as per our contact details above.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact the Privacy Officer at MFS on (02) 9977 7444. If you do not notify us otherwise before next dealing with us, you confirm agreement to this above on your own behalf and/or on behalf of those you represent.
 

All about people

Life insurance is about looking
after people, so it needs careful
consideration and the
human touch. We'll
meet with you in
person and listen to
your needs.
  

Tuned into your life

Our personalised service
and regular follow-ups
mean your
policy will
always keep
up with your
changing life.
  

Everything you need, nothing you don't

We'll design specific
insurance cover for
the most cost
effective way of
meeting your
needs.
  

On your side

Your interests
come first,
always - even if
that means saying
insurance cover isn't
the best way of
meeting your needs.