Your privacy is important to us.
We may give you more details about how we handle your personal information as you use our site (like when you buy a policy or complete a claim form). Please consider this info carefully, as it might be different from the general privacy information given here.
When you provide your personal info to Dollar Insurance, you are agreeing to let us use your information for the purposes set out in your Policy or otherwise indicated during the application process and in accordance with our obligations under the Privacy Act 1993 and Health Information Privacy Code 1994.
How we collect your personal information
When you buy a policy from us, we will collect info about you and any other people tied to the policy (including any nominated beneficiaries), either through direct or indirect means. The info we collect will depend on the product you’re buying or the service you’re using. This includes your contact details, date of birth and gender. For some purchases and claims, we may collect sensitive information about the health, hobbies and occupation of the person who’s covered by the policy or the person making a claim.
We collect information about you in a few ways:
- during our quote and online purchase process;
- through claims forms; and/or
- over the telephone or email when you contact us, or we contact you.
We generally record all telephone calls for business and training purposes.
Generally, we collect personal and health information directly from you. We may also collect your basic contact information from a third party, such as an adviser or list provider. Sometimes we collect your personal and health information from other third parties, such as your medical practitioner (in the event of a claim). We only collect your information from third parties with your consent or where permitted by law
We may also collect information about you when you use our website to get a quote for cover or request information about a product or service.
If you’re unsure how we first got your contact info, you may ask us to tell you the source.
Please note that if we are unable to collect the info we need to process a sale or assess a claim, then the sale or claim may not be accepted.
We may use ‘cookies’ which collect anonymous online web traffic data and track the movements of web users. This information may be used to understand which pages on our website have been visited and how often, to run our website, or for research or marketing purposes. Cookies do not record any personal information and are not used to identify you. They do identify your computer’s IP address to our servers when you visit our website. Cookies can’t be programmed and can’t carry viruses, however you can set your browser to refuse them.
How we use your personal information
We use the information we collect about you to offer you our products and services and, once you have chosen to join us, to provide you with relevant insurance services, other info and offers. For example, we may use your info to:
- confirm your identity;
- manage your policy and deliver services that go along with it;
- review your insurance claims;
- contact you about your policy and ensure that the products you have and services you use are meeting your needs; or
- fulfil our legal obligations and any lawful requests from government agencies or regulators.
We may use your personal info for other lawful purposes related to the services we provide, or where it’s allowed or required by law.
If you purchase a policy from us or, if you applied to receive info during the application process, we may use your contact details to send you info about other relevant products or services that we think you may be interested in.
To do this, we may give your personal information, such as name and email address (but not sensitive information), to our service providers. We have strict confidentiality arrangements with any service provider we use for marketing. If you’d prefer not to receive info about other products or services offered by Dollar Insurance, please contact us.
How we share your personal information
We may share your personal information with third parties where it’s allowed by law or required to meet the purposes set out above.
By giving us personal info, you are agreeing to let us share some or all of the information we collect from you with third parties, including:
- any related organisation we use to assess your policy purchase and administer your policy or assess any claim under your policy;
- organisations that we outsource customer service or information technology to in order to process your policy purchase;
- organisations that provide us with research, analysis or other related services;
- organisations that provide us with marketing services or electronic platforms we use to communicate with you;
- investigators, health professionals, lawyers, accountants, your adviser (if applicable), other insurers or reinsurers in order to assess your claim;
- the financial institutions you name during the purchase process whom we collect your payment from;
- in the event of your death or incapacity, a nominated beneficiary named on your policy, the executor of your estate, or your adviser (if applicable); or
- government regulatory or law enforcement agencies, as permitted by law.
How we store and secure your personal information
The personal information you give us through online forms on our website is encrypted. It can’t be read as it is sent between your browser and our server. The encrypted data is sent using a RSA 4096 bit certificate over a secure socket layer (SSL) connection. Certification of our online identity for this SSL connection is provided by a signed certificate from Go Daddy Secure Certificate Authority – G2.
Your info is stored on secure servers that are protected in controlled locations in Australia and New Zealand. If we’re using cloud-based services, we take all reasonable steps to ensure that your information is protected from loss and unauthorised access, use, modification, or disclosure. We regularly review our technology to ensure we are up-to-date with security threats.
Privacy training is a mandatory requirement for our staff and representatives, and we take data breaches extremely seriously. We take many steps to protect your privacy, including checking your identity when you call us, using secure passwords for our computer systems and hosting our website on secure servers.
All third-party entities that are required to access your personal information are bound by strict confidentiality agreements.
We keep your personal information until it is no longer needed to provide you with insurance services or meet any other legislative requirements. This means that we may need to keep some of your personal information after you are no longer our customer.
How you can access and correct the personal information we keep
Accessing your personal information
You have the right to ask us for a copy of any personal info we hold about you. You can only request information about yourself, unless you have the consent of other parties to request information on their behalf.
You can request your information by calling us on 0800 226 223, emailing us at email@example.com, or writing to us (our address is below). Before we give you this information, we must verify your identity to ensure that you’re authorised to make the request.
The Privacy Act requires us to make a decision and contact you about your request within 20 working days of receiving it. However, we will respond to your request as soon as we can.
The Privacy Act permits us to withhold personal information in some circumstances, such as where the information is commercially sensitive or legally privileged. If we decide to withhold info from you, we’ll tell you and explain why. You can challenge our decision by following the steps listed below.
We are permitted to charge a reasonable fee to cover the costs of processing your request, including to compile, print or courier the information. If we’ll be charging a fee, we’ll let you know before we process the request.
Correcting your personal details
We work hard to ensure that your personal info is accurate, up to date and complete. It’s important that the information we rely on to administer your policy, particularly your contact information, is correct.
However, you can ask us to correct any information we hold about you that you believe is inaccurate. You can do this by updating this in your DollarHub account, calling us on 0800 226 223 or emailing us at firstname.lastname@example.org.
If we can’t correct your information, we’ll tell you why. In that case, you can ask us to attach your request to the information as a “statement of correction”.
Questions and concerns about your privacy
If you have any questions, concerns or complaints regarding your privacy or the use of your information, please contact us and we’ll do everything we can to fix the problem. You can contact us in the following ways:
We’ll address your questions as quickly as possible. If you’re not satisfied with our response to your complaint, you may escalate it to the Office of the Privacy Commissioner:
Dollar Insurance acts in accordance with the Privacy Act 1993 and The Health Information Privacy Code 1994.
‘Our’, ‘Us’, and ‘We’ refers to Momentum Life Limited (Company Number 5807730), trading as Dollar Insurance, of Level 1, 105 Hastings St, Napier South, Napier 4110. ‘You’ refers to our customers and prospective customers. It also refers generally to users of our website.
‘Sensitive information’ relates to a person’s state of health, medical history, occupational duties, pastimes, racial or ethnic origin, financial, tax and credit status, membership of political bodies, religions or trade unions, sexual preferences and criminal record. Sensitive information is usually needed for life insurance applications and to manage claims. The way we use some sensitive information, such information about racial or ethnic origin or religion, is governed by law.
Last updated: 1 November 2018