Quartz Claims Pty Ltd (“Quartz Claims”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Policy applies to personal information collected through:
- our website
- insurance claims handling and related services
- communications with customers, clients, insurers, brokers and service providers
What Is Personal Information?
“Personal information” is information or an opinion about an identified individual, or an individual who is reasonably identifiable.
This may include:
- name, address, email and phone number
- date of birth
- claim and policy information
- financial details
- employment information
- identification documents
Sensitive Information
We may collect sensitive information where reasonably necessary for claims handling or related services, including:
- health or medical information
- biometric information (where applicable)
- criminal history information (where relevant to a claim)
Sensitive information is only collected:
- where required for claims handling or legal obligations; and
- with your consent, or where otherwise permitted by law.
How We Collect Personal Information
We may collect personal information:
- directly from you
- from insurers, brokers, underwriting agents or coverholders
- from witnesses, experts, loss adjusters, lawyers or investigators
- from publicly available sources
- through our website, email, phone or electronic systems
Where we collect information from third parties, we take reasonable steps to ensure you are aware of that collection where required.
Why We Collect Personal Information
We collect, use and hold personal information to:
- manage and administer insurance claims
- assess coverage, liability and claim amounts
- communicate with you and relevant stakeholders
- engage and manage service providers
- comply with legal, regulatory and contractual obligations
- manage complaints and disputes
- conduct quality assurance, audit and governance activities
- recruit employees and contractors
We only use personal information for purposes reasonably related to why it was collected, or as otherwise permitted by law.
Disclosure of Personal Information
We may disclose personal information to:
- insurers and underwriting entities
- brokers and coverholders
- lawyers, loss adjusters, medical experts, investigators and other service providers
- courts, tribunals, regulators or law enforcement agencies where required
- third parties where you have consented or where permitted by law
We do not sell personal information.
Overseas Disclosure
In some circumstances, we may disclose personal information to overseas recipients to provide services or meet contractual obligations.
Where this occurs, we take reasonable steps to ensure:
- the overseas recipient is subject to privacy protections substantially similar to the Australian Privacy Principles; or
- appropriate contractual safeguards are in place; or
- the disclosure is otherwise permitted by law.
Data Security
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
Our safeguards include:
- access controls and role-based permissions
- secure systems and networks
- encryption and secure data transmission where appropriate
- policies governing information handling and retention
- confidentiality obligations and staff training
Data Retention
We retain personal information only for as long as necessary to fulfil the purpose for which it was collected, or as required by law or contractual obligations.
When information is no longer required, we take reasonable steps to:
- securely destroy it; or
- permanently de-identify it.
Access and Correction
You may request access to personal information we hold about you, or request correction of information that is inaccurate, out-of-date, incomplete or misleading.
Requests must be made in writing. We will respond in accordance with the Privacy Act and may refuse access in limited circumstances permitted by law.
Privacy Complaints
If you have a concern about how we have handled your personal information, please contact us using the details below.
We will:
- acknowledge your complaint promptly
- investigate it fairly and efficiently
- respond within a reasonable timeframe
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Data Breaches
We maintain procedures to identify, assess and respond to data breaches in accordance with the Notifiable Data Breaches scheme.
Where required, we will notify:
- affected individuals; and
- the Office of the Australian Information Commissioner.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in law or business practices.
The current version will be published on our website.
Contact Us
For privacy enquiries, access requests or complaints, please contact:
Privacy Officer
Quartz Claims Pty Ltd
info@quartzclaims.com