2. ‘Our’, ‘Us’ and ‘We’ refers to each of Wiggle Australia Pty Ltd ABN 14 601 479 930, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 and Velosure Pty Ltd ABN 81 151 706 698 required in this document. The words ‘you’and ‘your’ refer to users of this public site.
3. The information in this site is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this site.
4. The material on this site is published by us and is intended for use in Australia. The site is not intended for use outside Australia. We make no claim that the information contained on this site is appropriate or may be downloaded legally outside Australia. If you access this site from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.
5. This site is not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use this site.
6. The information, materials and services contained on this site are provided to you ‘as is’, and ‘as available’. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied or statutory. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that this site is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage.
7. We also do not warrant, guarantee or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free. Use of this site is limited to obtaining insurance quotes, obtaining, other information relating to the price of insurance cover and conducting insurance related transactions or queries, in respect of insurance cover for you or a member of your immediate family, with their prior consent. You agree not to otherwise use this site to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from us or conduct insurance-related transactions or queries. You also agree to indemnify us in respect of any liability incurred by us for any loss, cost damage or expense, howsoever caused, suffered by us as a result of your breach of this obligation.
8. In using this site you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on this site, or any of the information, content or data contained within or accessible through the this site, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through this site with information, content or data accessible via or sourced from any third party. In addition you agree not to use any information on or accessed through the site for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with this site, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the this site without our prior written permission.
9. To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or 2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.
10. All names and marks depicted at this site are owned by one or more of us and no permission is given to you to make any use (including any reproduction) of them.
11. This site may contain a number of links to other sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly to our contact shown on this site.
12. This agreement is governed by the law in force in the state of New South Wales, Australia. Any dispute arising in connection with these terms or in connection with your use of this site which cannot be resolved by good faith negotiations between you and us shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms and Conditions.
'Our', 'Us' and 'We' refers to The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 (Hollard), of Level 12, 465 Victoria Ave, Chatswood, NSW, 2067, Australia, and its Related Companies, including Velosure Pty Ltd ABN 81 151 706 697 and Hollard Financial Services Pty Ltd, ABN 53 128 692 884.
'Personal Information' is any 'information or an opinion about an identified individual, or an individual who is reasonably identifiable:
- whether the information or opinion is true or not; and
- whether the information or opinion is recorded in a material form or not.
'Related Companies' has the same meaning as related bodies corporate and the meaning in section 50 of the Corporations Act 2001 (Cth).
'Sensitive Information' is a sub set of Personal Information defined as:
a. information or an opinion about an individual's:
- racial or ethnic origin; or
- political opinions; or
- membership of a political association; or
- religious beliefs or affiliations; or
- philosophical beliefs; or
- membership of a professional or trade association; or
- membership of a trade union; or
- sexual orientation or practices; or
- criminal record; or
b. health information about an individual; or
c. genetic information about an individual that is not otherwise health information.; or
d. biometric information that is to be used for the purpose of automated biometric verification or biometric identification; or
e. biometric templates.
'You' and 'Your' refers to Our customers and prospective customers. It also refers generally to users of Our websites.
We recognise that Your privacy is very important to You. We are committed to ensuring the privacy of Your Personal Information.
The Privacy Act details Australian Privacy Principles that set minimum standards for how private sector organisations such as Us should collect, use, disclose, store, provide access to and correction of Personal Information.
Types of Personal Information We collect
The Personal Information We collect depends on the products and services We offer You or You use or apply for (and may also require Us to collect Personal Information about other people such as a co-insured, or Your spouse, partner or children). Typically the details We collect and hold include Your name, contact details (address, phone and fax number, email address), date of birth, gender and payment details. We may also collect information that is specific to a particular product.
The type of Sensitive Information We may collect generally include the following (where it is relevant to underwriting an insurance policy or dealing with, managing, or processing a claim):
- criminal record;
- health information;
- sexual practices; and
- membership of a professional or trade association or trade union.
Why We collect Your Personal Information
We collect Personal Information to provide, offer and administer Our various products and services, or otherwise as permitted by law. Such purposes include responding to Your enquiries, providing You with assistance You request of Us, maintaining and administering Our products and services (for example processing requests for quotes, applications for insurance, underwriting and pricing policies, issuing You with a policy, managing claims, processing payments); processing Your survey or questionnaire responses; market research and the collection of general statistical information using common internet technologies such as cookies; providing You with marketing information regarding other products and services (of Ours or a third party); quality assurance and training purposes; performing administrative operations (including accounting and risk management) and any other purpose identified at the time of collecting Your information.
We will only collect 'Sensitive Information' where it is relevant to underwriting an insurance policy or dealing with, managing, or processing a claim. We may use or disclose it by giving it to Related Companies and Our appointed third parties for research and analysis and to design, test or underwrite new insurance products or features. Your Sensitive Information will not be used or disclosed for any other purpose unless We have Your permission.
We may combine or link Personal Information We already hold about You to other Personal Information We collect about You. Third party marketing service providers may combine the Personal Information We disclose to them with information they already hold about You, in order to provide You with more relevant advertising about Our or their products and services.
Third parties are prohibited from using Your Personal Information for purposes other than those for which it is supplied.
If You do not consent to Us collecting, using or disclosing all or some of the Personal Information We request, We may not be able to provide You with Our products or services such as processing Your application for insurance, Your claim or any payment due to You. It may also prevent Us from maintaining or administering Your policy or the provision of information regarding Our products or services or those of any third party.
How We collect Your Personal Information
We collect Your Personal Information from You in various ways and at several different points, including via telephone (including any form of mobile phone text messaging), Our website, hard copy forms or email. Unless it is unreasonable or impracticable for Us to do so, We collect Your Personal Information directly from You. There may, however, be occasions where We collect Your Personal Information from someone else.
Collection of Your Personal Information may include Us collecting from:
- Our authorised representatives;
- Our distributors or referrers, agents, business partners and affiliates, other insurers, or Related Companies;
- Our service providers;
- third parties for the purposes of assessing a claim or providing You with insurance cover or other services;
- Your travel consultant/agent, travel service providers, airlines, hotels, providers of transportation, providers of medical and non-medical assistance and services;
- another party involved in a claim;
- family members or anyone You have authorised to deal with Us on Your behalf;
- Our legal or other advisers;
- social media and other virtual communities and networks where people create, share or exchange information;
- the Financial Ombudsman Services or any other external dispute resolution body;
- policy holders or others who are authorised or noted on the policy as having a legal interest in it, including where You are an insured person under the policy but not the policy holder or another insured where the policy is issued in joint names;
- clubs, associations, member loyalty or rewards program providers and other relevant organisations;
- publicly available sources of information;
- data partners, analytic consultants and other similar organisations;
- any other organisation or person where You have consented to them providing Your Personal Information to Us or consented to Us obtaining Personal Information from them.
If You provide Personal Information to Us about another person, We rely on You to have made or make them aware that You will, or may, provide their information to Us and the types of third parties. We may provide it to, the relevant purposes We and any of the third parties will use it for and how they can access it. If it is Sensitive Information We rely on You to have obtained their consent on these matters. If You have not done, or will not do, either of these things, You must tell Us before You provide the relevant Personal Information.
A number of interactive tools or facilities may be available on Our websites. If You use any of these tools or facilities, We generally do not collect Your Personal Information unless a particular tool permits You to suspend or save information and recover those details at a later time. In these circumstances, Your Personal Information may be retained on Our systems but is not processed or used by Us except that it may be used for the purposes of online quoting and subsequent follow up.
From time to time We may request Personal Information from You through competitions or surveys. Participation in these competitions or surveys is completely voluntary and You, therefore, have the choice of whether or not You disclose the Personal Information requested. We may use Personal Information We collect through competitions to determine prize winners, award prizes and notify winners. We use Personal Information We may collect through surveys or questionnaires to assess Your satisfaction with Our products and services and to determine how We may be able to better service Your needs.
Anonymity and Pseudonymity
Unless it is impracticable, You have the option of interacting with Us anonymously or by the use of a pseudonym. For example, You may visit and browse Our websites and use some of Our online facilities without having to reveal any Personal Information.
Cookies and Our collection of information through Our website
We may use a cookie that collects anonymous traffic data. A cookie is a message given to a web browser by a web server which is then stored by the browser in a text file. Each time the browser requests a page from the server this message is sent back which enables the user's computer address (IP address) to be identified.
We may use the information provided by cookies and IP addresses to analyse trends, administer the site, or for research and marketing purposes to help Us improve Our product and service offerings. No information which personally identifies You will be collected through the cookies. You can set Your browser to notify You before You receive a cookie so You have the chance to accept it and can set Your browser to turn off cookies. No information which personally identifies You will be collected as part of these cookies.
On occasion, We may use Your Personal Information to provide You with information about the products and services We or Our distributors, referrers, agents, business partners, affiliates and any proposed new or incoming insurer may offer. If You do not wish to receive any of this information You can at any time let Us know by contacting Us.
Collecting, Sharing and Disclosing Your Personal Information
We may collect Personal Information from and/or share Your Personal Information with Our Related Companies and other third parties who provide services to Us or on Our behalf.
We may collect and/or share Your Personal Information with other third parties or any unrelated party under the following circumstances:
- as provided in any collection notice We give You;
- where You have provided Your consent (which may be given expressly or may reasonably be implied by Your conduct or Our existing business relationship);
- for purposes related to: research (including market research), planning, service development, security, testing and risk management;
- where a product or service You apply for is provided or supplied by or through a third party;
- where a third party, such as a mailing house, carries out activities on Our behalf;
- if disclosure is otherwise required in order to provide You with a particular product or service;
- where information is received from another insurer (for reasons including to assess insurance risks or to assist with an investigation);
- in order to ensure Our ability to continue providing products and services;
- Your travel consultant/agent, travel service providers, airlines, hotels, providers of transportation, , providers of medical and non-medical assistance and services;
- if disclosure is required for the purposes of conducting business analysis in order to improve Our products and services;
- if disclosure is required by law or requested by statutory, regulatory or ombudsman authorities or law enforcement agency;
- to an insurance broker or agent acting on Your behalf or who You have designated to act on Your behalf;
- where a third party has an interest in the product or service We supply, for example a mortgagee, referral agent, third party beneficiary, distributor, insurance intermediary, business partner, affiliate or any other insurer;
- Our professional advisors including Our accountants, auditors and lawyers, contracted advisors and service providers;
- where a third party acquires, or considers acquiring, an interest in Us;
- where We are authorised, required or permitted by law to use or disclose information; and
- where it is necessary for a third party to assist Us in providing Our services, for example, reinsurers, insurance intermediaries, insurance reference bureaus, lawyers, accountants, loss adjusters and others involved in the providing of services or claims handling processes.
Related and unrelated third parties to whom Your Personal Information is disclosed are required to keep the information confidential and only use it for the same purposes as We are permitted to use it.
Quality and Security of Your Personal Information
We aim to ensure that Your Personal Information is accurate, complete and up to date.
During the course of Your relationship with Us We will ask You to inform Us of any changes to Your Personal Information. You should however contact Us at any time to update Your Personal Information or advise Us that the information We have is not accurate or complete.
We are committed to keeping Your Personal Information secure and will use all reasonable precautions to protect it from loss, misuse, interference and unauthorised access, modification or disclosure including:
- physically securing external and internal premises;
- maintaining computer and network security (such as user identifiers and passwords) to control access to computer systems;
- restricting access to Your Personal Information to employees or those who perform services on Our behalf who are authorised to handle Your Personal Information and on a 'need to know' basis;
- entering into confidentiality agreements with relevant employees and third parties;
- appropriate training of staff;
- retaining Your Personal Information for no longer than it is reasonably required to service a policy or continue to provide any products and services to You, unless We are required by law or any contractual obligation to retain it for longer; and
- taking reasonable steps to destroy or de-identify Personal Information that We no longer require or which was unsolicited and We identify that We would not have otherwise collected it from You.
Access to and correction of Your Personal Information
You may generally access the information We hold about You and request corrections. This right is, subject to the exceptions detailed in the Australian Privacy Principles. For example, We may refuse access where the:
- information may have an unreasonable impact on the privacy of others;
- request is frivolous or vexatious;
- information relates to existing or anticipated legal proceedings and would not be accessible by the process of discovery in those proceedings; or
- the information would reveal Our intentions in relation to negotiations in such a way as to prejudice those negotiations.
If We refuse You access, or to give access in the manner requested by You, We will let You know why in writing.
Where providing access would reveal evaluative information in connection with a commercially sensitive decision-making process, We will provide an explanation for the decision rather than direct access to the information. In most cases, You may access Your Personal Information at no cost to You by contacting Our privacy officer at, firstname.lastname@example.org, write to PO Box 199, Chatswood NSW 2057 or by calling Our privacy officer on 13 19 48. For access to complex or Sensitive Information or more detailed requests for access to Your Personal Information, for example, access to information that is archived, We may require You to place Your request in writing and charge You a fee for Our reasonable costs of retrieving and supplying the information to You.
In all cases You will be asked to verify who You are before Your Personal Information is provided. All requests for Personal Information will be handled in a reasonable period of time.
How to contact Us about Privacy