ABN PRIVACY POLICY

At Australian Broker Network Pty Ltd [ABN 89 062 882 080 AFSL 253131] we are committed to protecting your
privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy
describes our current policies and practices in relation to the collection, handling, use and disclosure of personal
information. It also deals with how you can complain about a breach of the privacy laws and how you can access the
personal information we hold and how to have that information corrected.

What information do we collect and how do we use it?
When we arrange insurance on your behalf, we ask you for the information we need to advise you about your
insurance needs and management of your risks. This can include a broad range of information ranging from your
name, address, contact details, age to other information about your personal affairs including your assets, personal
belongings, financial situation, health and wellbeing. We provide any information that the insurers or intermediaries
who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure
you and on what terms or to fund your premium and on what terms.
Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside
Australia. For example, if we seek insurance terms from an overseas insurer (e.g. Lloyd’s of London), your personal
information may be disclosed to the insurer. If this is likely to happen, we inform you of where the insurer is located,
if it is possible to do so.
When you make a claim under your policy, 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, eg loss adjusters, medical brokers etc) to enable it to
consider your claim. Again, this information may be passed on to reinsurers.
From time to time, we will use your contact details to send you direct marketing communications including offers,
updates and newsletters that are relevant to the services we provide. We always give you the option of electing not
to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this
information to you.

What if you don’t provide some information to us?
We can only fully advise you and assist in arranging your insurance or with a claim, if we have all relevant
information. The insurance laws also require you to provide your insurers with the information they need in order to
be able to decide whether to insure you and on what terms. You have a duty to disclose the information which
relevant to the insurer’s decision to insure you.

When do we disclose your information overseas?
If you ask us to seek insurance terms and we recommend an overseas insurer, we may be required to disclose the
information to the insurer located outside Australia. For example, if we recommend a policy provided by Lloyd’s of
London, your information may be given to the Lloyd’s broker and underwriters at Lloyd’s of London to make a
decision about whether to insure you.
We will tell you at time of advising on your insurance if they are overseas and in which country the insurer is located.
If the insurer is not regulated by laws which protects your information in a way that is similar to the Privacy Act, we
will seek your consent before disclosing your information to that insurer.
Australian and overseas insurers acquire reinsurance from reinsurance companies that are located throughout the
world so in some cases your information may be disclosed to them for assessment of risks and in order to provide
reinsurance to your insurer. We do not make this disclosure, this made by the insurer (if necessary) for the
placement for their reinsurance program.
We may also disclose information we collect to the providers of some of our policy administration and broking
systems that help us to provide our products and services to you. These policy administration providers and broking
systems may be supported and maintained by organisations in New Zealand, the Philippines and Vietnam and your
information may be disclosed to those organisations. Please note that the Privacy Act and Australian Privacy
Principles may not apply to these organisations.

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 hold the information we collect from you initially in a working file, which when completed is electronically
imaged and stored, after which any paper is destroyed in our onsite shredder.
We ensure that your information is safe by protecting it from unauthorised access, modification and disclosure. We
maintain physical security over our paper and electronic data and premises, by using 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 where your
information is stored.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our
behalf, external data storage providers or to other companies in the event of a corporate sale, merger, re-
organisation, dissolution or similar event. We may also disclose information we collect to the providers of some of
our policy administration and broking systems that help us to provide our products and services to you. However, we
will take reasonable measures to ensure that they protect your information as required under the Privacy Act.

We may provide your information to others if we are required to do so by law, you consent to the disclosure 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, irrelevant, out of date or incomplete.
If you wish to access or correct your personal information please write to our Managing Director Tremayne West at
Australian Broker Network Pty Ltd at Level 23, 520 Oxford St, Bondi Junction, NSW, 2022 or post to PO Box 1299,
Bondi Junction, NSW, 1355.
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.
In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will
advise you as soon as possible after your request if this is the case and the reasons for our refusal.

What happens if you want to complain?
If you have concerns about whether we have complied with the Privacy Act or this privacy Policy when collecting or
handling your personal information, please write to our Managing Director Tremayne West at Australian Broker
Network Pty Ltd at Level 23, 520 Oxford St, Bondi Junction, NSW, 2022 or post to PO Box 1299, Bondi Junction, NSW,
1355.
Your complaint will be considered by us through our internal complaints resolution process and we will try to
respond with a decision within 45 days of you making the complaint.

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.

Website information and content.
The information provided on our 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.

Anonymous data – We use technology to collect anonymous information about the use of our website, for example
when you browse our website our service provider logs your server address, the date and time of your visit, the
pages and links accessed and the type of browser used. It does not identify you personally and we only use this
information for statistical purposes and to improve the content and functionality of our website, to better
understand our clients and markets and to improve our services.

Cookies – In order to collect this anonymous data we may use “cookies”. Cookies are small pieces of information
which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the
website requires information to be retained from one page to the next. This is purely to increase the functionality of
the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your
computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want
to accept it. Once you leave the site, the cookie is destroyed and no personal or other information about you is
stored.

Forms – Our Website allows visitors to submit information via Self-Service forms (Claim Forms, Employment and
Contact request). The information submitted via the Forms is not encrypted – an option is available for claim forms
to be downloaded in PDF format for faxing. Should you be concerned about confidentiality of the claim information,
this would be the recommended method.

Information collected via on-line forms is sent to our offices via EMAIL (not encrypted) and is also stored on a
database which is accessible by Australian Broker Network staff only (password protected).

We also use your information to send you requested product information and promotional material and to enable us
to manage your ongoing requirements, e.g. renewals, and our relationship with you, e.g. invoicing, client surveys etc.

We may occasionally notify you direct marketing 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 or do not wish to receive it electronically, email or write to us.

We may use your information internally to help us improve our services and help resolve any problems.

Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact
our Privacy Officer Tremayne West on telephone number 1300 239 234 or by email at
tremayne.west@australianbrokernetwork.com.au.