Privacy & Use Policy

Pets On Me Insurance Pty Limited (POMI)

Pets On Me Insurance Pty Limited (ABN 83 169 311 193) (“we”, “us” or “our”) is distributor acting as an Authorised Representative of Ardent Risk Management Group Pty Limited (ABN 93 667 782 061 | AFS Licence No. 550275)

For questions or concerns about this policy or how we handle your personal information, please contact us here.

Important

By proceeding with your interactions with us and providing your name and contact details, you consent to this Privacy Policy. This consent enables us to call, text and/or email you about any of our insurance products, including but not limited to our pet, car, general liability or professional indemnity policies.

About

We are committed to protecting your privacy and earning your trust. This notice describes the personal information we collect about you and how we use and protect it. It applies to our current and former Customers who live in Australia and replaces earlier versions that we may have given to you.

By purchasing a policy from us, you consent to the collection, use, disclosure, storage, and processing of your personal information as described in this Privacy Policy. In addition to you, this Privacy Policy applies to covered drivers about whom you give us personal information, other persons who have cover under this policy, and persons who claim against an insured with cover under this policy. We may collect, use, disclose, store, and process the personal information of those persons like we do your personal information.

By providing personal information to us about covered drivers, you are representing that you are authorised by them to do so. You also represent that you have informed the covered parties, and any other person whom you authorise to use your insured item, of the terms of our Privacy Policy and they have consented to them.

Information Collection

We collect personal information about you and other drivers for the purposes of underwriting, quoting, managing and servicing your needs on any of our any of our insurance products, including but not limited to our pet, car, general liability or professional indemnity policies. This may include an insurance product that you may not have specifically enquired about but is part of our offerings.

This information may include your name, street and email addresses, phone number, date of birth, gender, marital status, education level, residential status, licence status and history, driving history, employment history, tax file number, details about the risk you want to insure, information about other parties, credit details and prior insurance details.

We may also obtain from third party service providers information concerning any past bankruptcies, law enforcement history, driving history, claim information and information related to your residence. We may also collect information about prior claims is obtained from Insurance Reference Services.

We may also obtain information about you and other parties. Information we collect includes identifying and contact information, residency and household information, prior insurance details, and driving, claims, law enforcement and bankruptcy histories.

If you have an event that may be covered by your insurance policy, we will obtain additional information about you and the accident in order to investigate and settle your insurance claim. We will obtain this information from you, police reports, and third parties, such as witnesses and people involved in the accident.

Our website will also obtain information that is unique to Internet transactions. It includes the website that linked you to ours, your computer operating system, and the pages you viewed on our site. Our website will also store “cookies” on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.

All the information we collect is securely stored on our systems.

Uses & Disclosure

We use and disclose your personal information for the purposes we collected it.

We may collect your information from, or disclose it to our third-party business partners, intermediaries, service providers and suppliers (who may be located within or outside of Australia) such as, but not limited to:

your vet, repairer and or other service providers;
claims handlers, assessors, claims investigators, subject matter experts;
information technology providers, such as hardware/software vendors and programmers;
customer or market research and/or analytical and/or business/marketing strategy service providers;
underwriters, reinsurers, insurance intermediaries, financial institutions, credit agencies, insurance registers (such as the Insurance Claims Register) and other Insurers;
government, law enforcement or statutory bodies;
policy holders, where you are an insured person, but not the policy holder;
external dispute resolution schemes; and
any other parties that we consider necessary to administer the insurance or process your claim, or anyone as otherwise communicated to you or required by law.

We will take reasonable steps to ensure that all Personal Information we use or disclose is accurate, up to date, complete, relevant, and not misleading so far as practicable. If you become aware that any information, we have collected from you is no longer up to date or accurate, please correct this as soon as practicable. To do this please see Access and Correction section below.

If disclosure is required outside of our organisation for any of the aforementioned purposes, we will do everything reasonably within our power to prevent its unauthorised use or disclosure.

Data Security

We restrict access to your personal information to our employees and others who we feel must use it to provide our products and services which may include countries outside of Australia where our employees operate. This may include New Zealand, South Africa, Philippines, Fiji , United States and United Kingdom. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic, and procedural safeguards to protect your information.

Geographic Location Identification

When you visit our website, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers that computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Access & Correction

You may access and/or correct personal information that we hold about you.

To review information we have about you, get in touch with our Customer Service Team. You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your full name, mailing address, and policy number (if applicable). Within 10 business days, we will describe what is available and how you may request corrections.

You may receive a copy of the information for a fee to cover our costs. We may not provide access to certain information, such as privileged information about insurance claims or lawsuits, but we will provide a reason for denying any such access.

To correct information about you, send a written request as described above, explaining your desired correction. Within 10 business days, we will either make the requested correction or tell you why we will not.

If we make your requested correction, we will notify you in writing. If we do not make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file.

Complaint About your Privacy or Personal Information

You may appeal if you are refused access to a document, or we have refused to amend information on your personal records, or believe you have a general privacy matter to resolve.

We may only collect personal information by lawful means and in a means which is fair and does not intrude to a reasonable extent upon your personal affairs. This applies to all our customers. If you believe we have acted in an unfair, or unreasonable manner, please contact us here.

We will endeavour to resolve any dispute you may have quickly and fairly. However, if you feel your matter is unresolved, you can escalate your concerns to [email protected]. If, after escalating your concerns, you are not satisfied with the outcome, you can refer the matter to the Office of Australian Information Commissioner by telephone 1300 363 992 or email [email protected].

Website Practices and Terms of Use

Your use of our website is expressly conditioned on your acceptance of this policy. If you do not agree with any part of this document, you must not use our website.

When you visit our website, we use the information we collect to provide services to you and to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off. We also use this information to analyse use of our website.

We advertise on other companies’ websites. Some of these sites may use cookies and “Web beacons” when you click on or move your cursor over our ads. This technology will transmit non-personally identifiable information about you to us or our service providers. We use the information to analyse our marketing efforts.

You can have your computer warn you about or reject all website cookies by changing the settings on your browser.

Website Security

Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs .

Information Retention

If for any reason, you decide to cease doing business with us indefinitely, we are required to keep records of your Personal Information on file for compliance and/or auditing purposes. This record will be kept for at least 7 years or as required by any applicable law , and will only relate to the purpose we collected it for and servicing any queries about your time as a customer. This information will be permanently subject to this Privacy Policy.