We respect and protect your privacy.

Thank you for accessing our Privacy Policy. We are committed to respecting and protecting your privacy.

The following sets out our policy with regard to the personal information that we collect, hold, use and disclose throughout our dealings with you.

 We reserve the right to modify this Privacy Policy at any time. If this Policy is changed, the changes will be posted on our website at www.gamman.com.au.

 What personal information do we collect?

 ‘Personal information’ means any information or an opinion about an individual whose identity is apparent or can reasonably be ascertained. The kind of personal information that we collect, and hold includes:

· information to enable us to identify you;

· your organisation and claims history;

· financial information concerning your organisation and your ability to pay for our products and services;

· claims related information to enable us to assess, defend and resolve claims; and

· any insurance related information that we reasonably require to enable us to provide our products and services.

Generally, we will only collect personal information about you or by someone authorised by you if you:

· send us an email;

· submit a request for quote;

· submit an online Claims Notification Form that contains your personal information; or

· you give Gamman Insurance personal information through normal communications. We will ask you when we need you to provide further personal information for any reason. We will only collect and hold information that relates to the products and services that you ask us to provide to you.

In some circumstances, we may potentially collect health information, through Claims Notification Forms or in emails addressed to us. We will only collect and hold such information where it is for the purpose of establishing or defending a claim, where it is relevant to the circumstances of the claim, or where you have given the information to us voluntarily or consented to us collecting it.

What will we tell you when we collect your personal information?

Whenever we collect and hold personal information from you, we will take such steps as are reasonable in the circumstances to let you know:

· how to contact us;

· why we are collecting and holding the information.

· the organisation or types of organisations to which we usually disclose that kind of information;

 · if we are required by law to collect the information; and

· the consequences for you if the information is not provided. When reasonable and practicable to do so, we will collect personal information directly from you and not from third parties. However, there are some situations where it may be unreasonable and impracticable for us to collect information about you directly from you. For example, when we collect personal information about persons related to or involved in a claim or potential claim via emails and/or online Claims Notification Forms

Our Obligations

We subscribe to the Insurance Brokers Code of Practice (the Code), which is owned and published by the National Insurance Brokers Association (NIBA).

A copy of the Code can be downloaded from NIBA’s website at:

https://www.niba.com.au/codeofpractice/

The Code sets out the minimum service standards you can expect when you use an Insurance Broker.
It also outlines how complaints and disputes regarding potential breaches of the Code can be resolved.

The Code aims to:
– build professional competence in the broking profession, and
– increase consumer confidence in Insurance Brokers, and the role they play in the insurance process.

We subscribe to the Code, as well as the Australian Financial Complaints Authority and its supporting General Insurance Brokers Code of Practice.

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA.
AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Please click on the following links for more information:

Insurance Brokers’ Code of Practice	https://niba.com.au/html/code-of-practice.cfm
General Insurance Code of Practice	http://codeofpractice.com.au/document
Australian Financial Complaints Authority	http://afca.org.au

Disclosure Notices

ELECTRONIC DELIVERY OF DISCLOSURE NOTICES

Please note that where possible we prefer to provide all correspondence and disclosure notices (including Financial Services Guides and Product Disclosure Statements) to you electronically, via email or links to websites etc. If you have provided your email address to Us we will typically use that email address for all correspondence and disclosure notices. Should you not wish to be sent disclosure documents electronically please advise us and we will update our records accordingly.