STANDARD TERMS OF USE FOR WEBSITE

 

This domain name and website are owned and operated by Shannons Limited ABN 91 099 692 636 (‘Shannons’) insurance issued by Australian Alliance Insurance Company Ltd ABN 11 006 471 709 (‘AAI’). The Terms of Use (including the Privacy Statement) govern your access to and use of the information, text, graphics and materials on the website ("Content") and the computer storage, processing and use of your personal information.

 

Shannons reserves the right to vary the Terms of Use (including the Privacy Statement) at any time by publishing the varied provisions on this website. You accept and agree that by doing this Shannons has provided you with sufficient notice of the variation.

 

1. Accuracy of Information

The Content has been compiled from a number of sources and is accurate at the time of its inclusion on the website. Information on which the Content is based and the Content itself are subject to change without notice. We will endeavour to update the website as soon as practical after making any changes.

 

2. Intellectual Property

The Content is owned or licensed by Shannons, is the intellectual property of Shannons or its licensors and is protected by copyright, trademark and common law. Nothing on this website grants, or shall be construed as granting, any license, sub-license or right to use any of the trademarks appearing on it.

Except where necessary for viewing the Content on your browser or as a permitted use under the Copyright Act 1968 (Cth) or other applicable law, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form or by any process, for any commercial purpose without the specific written consent of Shannons.

You must not use the Content for any illegal or unlawful purpose.

 

3. Links to Other Sites

This website may contain links to other sites independently maintained by others. As Shannons does not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on any linked sites. The provision of a link to another website does not mean that Shannons makes a recommendation or gives any endorsement or approval of any products or services displayed on those other sites.

 

4. Limitation of Liability

Subject to any responsibilities or liabilities implied by law and which cannot be excluded by law, neither Shannons or any companies related to Shannons nor any director, officer, employee, consultant or agent thereof accepts any responsibility or liability for any loss or damage arising in any way (including by reason of negligence) for errors in and omissions from the Content and does not accept any responsibility nor owe any duty of care to any person acting or refraining from acting as a result of information on the site.

 

5. Restrictions on use of the Shannons website
The Content in this Shannons website is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this website, you agree to abide by the terms and conditions of use contained in this clause and clause 6.

 

You agree that you will not (either yourself or through any third party):

(a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on this Shannons website, or any of the information, content or data contained within or accessible through the Shannons website, without Shannon’s prior written permission;

(b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Shannons website with information, content or data accessible via or sourced from any third party;

(c) use any information on or accessed through the Shannons website for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;

(d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of the website or any transaction or process being conducted on or through it;

(e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Shannons website;

(f) 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 the Shannons website; or

(g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Shannons website without Shannons’ prior written permission.

6. No use of Shannons website for unrelated persons
You must only use this website to:

(a) obtain insurance quotes;

(b) obtain other information relating to the price of insurance cover from Shannons; or

(c) conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries, in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.

 

You agree not to otherwise use the website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from Shannons or conduct insurance-related transactions or queries.

 

You also agree to indemnify Shannons and/or AAI in respect of any liability incurred by Shannons and/or AAI for any loss, cost damage or expense, howsoever caused, suffered by Shannons and/or AAI as a result of your breach of this clause 6.

 

7. Linking to Shannons

Linking to the Shannons website is only permitted when authorised in writing by Shannons. Please contact Shannons if you would like to link to any part of the Shannons website.

8. Jurisdiction

This website is for access and use by Australian residents only. Some of the Content may be limited in its application to specific States and/or Territories of Australia.

 

The website and these Terms of Use will be governed exclusively by the law of the State of New South Wales, Australia.

 

The above Terms and Conditions were last revised on 14th July 2010

 

SUNCORP PRIVACY POLICY
We are committed to ensuring that your personal information is protected.
It is important to understand that our companies provide a wide range of financial services and products and our companies may use and disclose your personal information in different ways.

 

Who are WE?
Suncorp is the name we use to describe ourselves. Suncorp-Metway Limited is the owner of a group of companies that offer a range of financial products and services in banking, general insurance, life insurance, superannuation and investment products across Australia and New Zealand.

 

Suncorp consists of a large number of different companies and well known brands including:

• Our bank
• Suncorp

Our general insurance brands

• Suncorp
• GIO
• Vero
• AAMI

Australian Alliance Insurance

• Apia
• CIL
• Just Car Insurance Agency
• Comprehensive Travel
• InsureMyRide
• Shannons
• Bingle
• Terri Scheer
• APUA

Our life and wealth management brands

• Suncorp
• Asteron
• Tyndall
• Guardian Financial Planning
• NZ Guardian Trust
• Cameron Walshe
• Standard Pacific

Our other financial products or services brands

Australian Surety
Deposit Power

 

What does our Privacy Policy do?
Our Privacy Policy is designed to provide you with general information about how Suncorp collects, stores, uses and discloses your personal information.

 

All companies at Suncorp adhere to privacy legislation and this Privacy Policy. However, as our products and
services differ and we engage in a variety of different activities, your personal information will be collected, used and disclosed in the ways necessary for that particular Suncorp business to provide you with the product or service.

 

When you decide to purchase or acquire a product or service from us, we will provide you with further information about privacy in the form of a Privacy Statement or a Charter (‘Privacy Statement’). This Privacy Statement will give you specific information about how we will handle the personal information you have given Suncorp. We may also seek your specific consent in relation to the collection, use or disclosure of your personal information. You may also deal with us because you are a third party who is involved with one of our companies, for example, you are in a car accident with our insured or we interview you as a witness or a party associated with our insured for the purpose of the investigation and management of the insured’s claim. We will collect, use and disclose your personal information in accordance with privacy legislation and this Privacy Policy.

 

If you wish to obtain information about how your personal information is being dealt with by one of our businesses then you should contact them directly.

What is "personal information"?
Personal information is information about an identifiable individual and includes facts or an opinion about you that identifies you or by which your identity can be reasonably determined.
Personal information also includes “sensitive information” which is also personal information and which is about your:

• health;
• political opinions;
• membership of a political, professional or trade association;
• racial or ethnic origin;
• religious beliefs or affiliation;
• philosophical beliefs;
• membership of a trade union;
• sexual preferences or practices;
• criminal record; or
• genetic information.

 

Suncorp collects, uses or discloses personal information in accordance with its obligations under the Australian and New Zealand privacy regimes and this Privacy Policy.

What type of personal information do we ask you for?
We will usually ask you for a broad range of personal information.
The specific type of personal information which we will collect will depend on which of the companies in our group you do business with and the type of product or service you choose from us. The details of exactly what personal information we need will be found on:

• the written forms we ask you to complete;
• the questions we ask you on the telephone;
• our web sites via the internet; or
• what we ask you in person in our branches, service centres or stores.

You can expect to be asked for the following types of personal information:

• your name, address and contact details;
• date of birth;
• your gender; or
• information about your use of our product or service.

As we are a financial services group providing a range of banking, life and wealth and general insurance products and services, depending on the product or service you choose, you can also expect to be asked for some of the following types of personal information:

• insurance history
• employment information
• your marital status and family circumstance
• health and pastime information
• tax file number
• details about your home, your contents, your holiday, your car, your business, your finances or your credit history
• bankruptcy record

How do we store your personal information?

We store your personal information in a variety of ways. These may include:

• in computer systems or databases;
• in hard copy or paper files; and
• in telephone recordings.

Why do we need your personal information?
The collection of your personal information is essential to enable us to conduct our business of offering and
providing our range of financial products and services.
We generally collect your personal information for the purposes of:

• identifying you when you are doing business with us;
• protecting your personal information from unauthorised access;
• establishing your requirements and providing you with the appropriate product or service;
• setting up, administering and managing our products and services;
• assessing and investigating a claim made by you under one or more of our products; and
• understanding your needs and improving our financial products and services, including training and
• developing our staff and representatives.

In some parts of our group we are required to collect your personal information to satisfy our legal obligations, even when you may not be sure why it is relevant. Examples include under the Anti-Money Laundering and Counter Terrorism Financing Act (Cth) and the Corporations Act (Cth) in Australia.

How do we get your personal information?
If we can, we collect your personal information from you.

You give us your personal information in a number of ways such as completing an application form, requesting a product or service over the phone or Internet, or by visiting a branch in person. We also collect personal information at other times during the course of our relationship with you. This may be when you advise us of a change in contact details, renew your policy, make a claim or seek a variation to the terms of a loan you may have with us.

We may not be able to always collect your personal information from you directly. Sometimes we collect your
personal information from other sources. Examples of where we may receive personal information about you from another source and why this may happen are:

• a credit reference about you from a credit reporting agency in the course of assessing your application for a loan;
• your employer and/or the trustee in the course of establishing and administering your membership of a superannuation fund or group life insurance policy;
• an insurance investigator or insurance reference service in the course of assessing your claim under, or
• request for, a policy of insurance;
• other insurance companies if we need to confirm your insurance history during the course of reviewing an application for insurance, or assessing a claim under a policy;
• a third party or witness in relation to an insurance claim;
• accounting or finance specialists in the course of assessing a claim; hospitals, medical and other health
• professionals in the course of assessing your claim under a policy of insurance, or determining your
• eligibility for an insurance product;
• your agent, where you have appointed an agent to act on your behalf in dealing with us, such as a broker,
• legal adviser or other representative such as a friend or family member;
• publicly available sources of information such as telephone directories;
• government agencies including in New Zealand, the Ministry of Justice for confirmation of traffic or criminal convictions in a claim and in Australia, AUSTRAC for blacklisted names or the Australian Securities and Investment Commission for banned directors and officers;
• a third party to whom we have contracted to provide a Suncorp financial service or product to our customers, for example, our Suncorp Clear Options Cards;
  
• where required or authorised under our relationships with our joint venture companies;
• market research organisations for the purpose of product development, customer research or marketing.

 

Do we need your consent to collect, use and disclose your personal information?
The privacy legislation in Australia and New Zealand does not always require us to seek your consent to the
collection, use and disclosure of your personal information. However, in compliance with the privacy regimes there are some circumstances where we are required to or choose to ask you for your consent.

We may ask for your express consent or infer your consent. We will obtain your express consent by asking you to:

• provide positive verbal consent such as “Yes” or “I agree”;
• read and sign a consent form;
• read and sign a document which may also contain a consent request;
• We will also respond to your express requests for contact, for example, if you ask us to call you or contact you at a certain pre-arranged time or frequency.

During our business relationship with you and depending on the products and services you choose from Suncorp, we may ask for your express consent on a number of occasions.
We may also infer your consent in certain circumstances. Your consent may be inferred by:
your conduct with us such as:

• continuing your telephone call with us, after you have heard the recorded message telling you the call may be recorded;
• continuing to speak to a person at a branch or service centre when they are asking you questions;
• when you send us or provide us with personal information voluntarily; and

our business relationship with you such as:

• you purchasing or acquiring a product or service from us.

Are there any additional requirements we comply with when we contact you or need to obtain consent?
There are a number of other legislative regimes that influence how we deal with your personal information and other information that we collect from you.

If we send you electronic commercial messages via e-mail or SMS, we may infer your consent to being contacted in this manner, where you e-mail or SMS us your electronic address and you require or ask for a response using that same medium, or, when you raise no objection to our advised, intended communication with you in this manner. This type of communication is covered under the spam and unsolicited electronic messages legislative regime in Australia and New Zealand.

If Australia, if we telephone you, we may have to comply with anti-hawking requirements under the Corporations Act 2001 (Cth) and the Do Not Call Register Act 2006 (Cth). However, although you may have placed your telephone number on the Do Not Call Register and are an existing customer of Suncorp, you will still need to contact us directly and advise us if you do not wish to receive direct marketing contact from us,.

 

How do we use and disclose your personal information that we have collected?
We use and disclose your personal information for the purposes for which we collected it.
In Australia, we may also use and disclose your personal information for a secondary purpose related to the
purpose for which we collected it, where you would reasonably expect us to use or disclose your personal
information for that secondary purpose. In the case of sensitive information, any secondary purpose, use or
disclosure will be directly related to the purpose of collection.
In New Zealand, we may use and disclose your personal information for a secondary purpose only if that
secondary purpose is directly related to the purpose of collection.
We may also use and disclose your personal information to another party in other circumstances in compliance with the privacy regimes in Australia and New Zealand including where:

• you have given express or inferred consent or authorised us to do so;
• we are required or authorised by law to disclose your personal information, for example, to a court in
• response to a subpoena or to the Australian Taxation Office, to AUSTRAC as part of our reporting
• requirements or a direction issued by the New Zealand Inland Revenue Office.

 

Do we use and disclose your personal information for research and product development and
enhancement purposes?

Suncorp is interested in knowing what sorts of products and services will best meet the needs of our customers.

To do this, we need to engage in research and development processes across Suncorp.
This may mean conducting research tasks such as market research or it may mean developing specific customer propositions for our customers by looking at the products you already have purchased from Suncorp.

 

Where possible and practicable, we will use aggregated or de-identify information to conduct our research and product development. However, sometimes we may need to use personal information to understand how we can improve our products and enhance your experience with us.
We may perform these research tasks in-house, or we may outsource the activity to a third party. If we do
outsource to a third party we will ensure they comply with the Australian and/or New Zealand privacy regimes.

Do we use and disclose your personal information for marketing purposes?
We would like to use and disclose your personal information to keep you up to date with the range of products and services available from Suncorp. Generally, our companies in the Suncorp group will use and disclose your personal information for Suncorp’s marketing purposes.

We will not use your personal information for marketing purposes if:
the company you do business with at Suncorp does not use or disclose your personal information for the
purposes of marketing other Suncorp products or the products of third parties;
the company you do business with at Suncorp has an opt-in consent model for marketing and has not
obtained your consent;

• you have told us that you do not wish to receive all or some marketing material; or
• you deal with us via an intermediary who is acting on your behalf.
• Suncorp will only use and disclose your personal information for the purposes we have told you in this Privacy
• Policy and our Privacy Statements and in compliance with the privacy regimes in Australia and New Zealand.

We will not use and disclose sensitive information for the purposes of marketing.

 

How do you tell us you do not want us to use and disclose your personal information for marketing
purposes?
If you do not want us to use and disclose your personal information for the purpose of marketing products and
services to you, you should contact us and tell us.
You can tell us by:

• calling the number provided to you in the information and product documentation you received when you selected your product or service from us;
• emailing the business via their email address available in your product documentation or via our
• internet site; or
• visiting one of our branches, service centres or places of business;

If you have told us you no longer wish to receive information about a Suncorp brand product and/or service, we will not contact you about any other products or services that Suncorp brand offers. You can, however, change your mind about receiving information about our products and services at any time - just let us know.

You should be aware that often the law requires us to provide you with certain information about the product or service you have chosen to receive from us. You will continue to receive this type of information from us even if you have decided not to receive information about our products and services generally.

Who do we usually disclose your personal information to and receive personal information from?
The parties to whom we may disclose your personal information to and receive personal information from will
depend on which company in our group you do business with, and what product or service you receive from us.
Some examples of the parties to whom we may disclose your personal information to and receive personal
information from are:

• other companies within the Suncorp group;
• intermediaries including your agent, adviser, a broker, a representative acting on your behalf, other
• Australian Financial Services Licensee or our authorised representatives and our agents;
• accounting or finance specialists;
• customer research organisations;
• trustees or employers associated with superannuation funds or group insurance policies; government, law enforcement or statutory bodies;
• Financial Ombudsman Service, Financial Industry Complaints Service, Superannuation Complaint Tribunal;
• other insurers, financial institutions, insurance and claims reference agencies, credit agencies loss assessors, financiers or investigative service providers;
• mortgage insurers;
• where required or authorised under our relationship with our joint venture companies;
• legal and other professional advisers; and
• hospitals, medical and health professionals.

Suncorp will only disclose your personal information to and receive personal information from these parties, for the purposes we have told you in this Privacy Policy and our Privacy Statements and in compliance with the privacy regimes in Australia and New Zealand.

In the course of operating our business and to better understand your needs and improve our financial products and services, we may disclose your personal information to persons who may appear to be unrelated to us or the provision of products and services to you. These people are service providers who assist us in our business and who make the provision of our services and products better.

Many of these service providers work in the background for us and are essential, because they allow us to continue providing you with the level of service you have come to expect from Suncorp. Examples of the types of services and service providers are:

• information technology providers, including hardware and software vendors and consultants such as programmers;
• administration or business management services, including consultancy firms, auditors and business
• management consultants;
• research and development service providers;
• printers and mail service and delivery providers for the mailing of statements, insurance policy documents and marketing material;
• imaging and document management services and
• manufacturers for plastic card production e.g. debit cards.

These service providers provide us with a wide range of back office, administrative and business management services. Where we do disclose your personal information to these service providers we have either entered into contractual arrangements with them to protect your personal information, or they are subject to strict privacy rules and must also comply with our Privacy Policy and the privacy regime. Suncorp will only disclose your personal information to and receive personal information from these service providers, for the purposes we have told you about in this Privacy Policy and our Privacy Statements and in compliance with the privacy regimes in Australia and New Zealand.

 

Do we disclose your information to people overseas?
We operate in Australia and New Zealand. Our business is trans-Tasman and therefore we will have instances where for the purposes detailed in our Privacy Policy and our brand Privacy Statements, we may send your personal information to other companies in Suncorp who are in either in Australia or New Zealand.
There are also other instances where we may have to send your personal information overseas or collect personal information from overseas. These instances include:

• when you have asked us to do so;
• when we are authorised or required by law to do so;
• when we have outsourced a business activity or function to an overseas service provider with whom we have a contractual arrangement;
• certain electronic transactions; or
• it is necessary in order to facilitate a transaction on your behalf, for example, you are injured or hospitalised
• overseas and we are completing a travel insurance or assessing a life insurance or personal injury claim on your behalf.

Suncorp will only send your personal information overseas or collect personal information about you from overseas for the purposes we have told you about in this Privacy Policy and our Privacy Statements and in compliance with the privacy regimes in Australia and New Zealand.

What will happen if you do not provide your personal information to us?
If we request personal information about you and you do not provide it, we may not be able to provide you with the financial product or service that you request or manage or pay any claim under and insurance policy.
In addition, if we are required to comply with certain legislation to provide you with the products and services you choose, then collection of certain personal information will be mandatory.

What if you want to be anonymous?

Generally, it is not possible for us to provide you with our products and services unless we have identified you and in some cases, such as when you wish to open a bank account or invest with us or you withdraw funds from your superannuation, the law requires that you identify yourself to us.

If it is lawful and practicable to do so, we may offer you the opportunity to deal with us anonymously. For example, when making an inquiry about current interest rates applicable on term deposits or the type of products or services we offer.

 

What if you want to know what personal information we hold about you?
You can request access to the personal information we hold about you by contacting us.
If accessing your personal information will take an extended period of time, we will inform you of the likely delay.
For more detailed requests for access to personal information, for example, access to information held in archives,
a fee may be charged to cover the associated cost of retrieval and supplying this information.
If you wish to lodge a request to access your personal information you can contact us by:

• calling the number provided to you in the information and product documentation you received when you selected your product or service from us;
• emailing our business via our email address available in your product documentation or via our internet site; or
• visiting one of our branches, service centres or places of business;

Are we able to deny your request for access to your personal information?
In some circumstances we are able to deny your request for access to personal information. The privacy regimes in Australia and New Zealand outline circumstances under which we may not agree to allow you access to some or all of the personal information that you have requested. The types of circumstances where we may deny you access to personal information include where the:

• request is frivolous or vexatious;
• disclosure may prejudice the prevention, investigation and detection of offences or relate to existing or legal proceedings; or
• disclosure would have an unreasonable impact or involve the unwarranted disclosure of the affairs of
  another individual.

If we deny your request for access, we will tell you why.
It is important to note there are a number of reasons which may also prevent us from giving you access to your personal information simply because it is not practicable. For example:

• we may not hold any personal information about you;
• you have asked for personal information about someone else and are not authorised to do so;
• we no longer have the personal information you are asking for, as it has been destroyed or de-identified.

Do we keep your personal information up-to-date?

We rely on the accuracy of the personal information we hold about you to efficiently provide our financial products and services to you.

We will take reasonable steps to ensure that any personal information about you which we collect, use or disclose is accurate, complete and up-to-date. This includes taking reasonable steps to correct inaccurate, incomplete or out-of-date personal information, if you have asked us to do so.

If we disagree with your request for correction of your personal information, we will attach a statement to the
information of the correction that you seek but which has not been made.

Do we keep your personal information secure?
We will take all reasonable steps to protect your personal information from loss, misuse, unauthorised access, modification or disclosure.
We protect your personal information by:

• limiting physical access to our premises to authorised people;
• restricting access to personal information;
• entering into confidentiality agreements with all employees, contractors and third party organisations that
• may have access to your personal information – but providing access for the purposes we have told you about in our Privacy Policy and Privacy Statements;
• having in place stand-by systems and information backups to deal with major business interruptions;
• maintaining technology products to prevent unauthorised computer access;
• regularly reviewing and testing our technology in order to improve the level of security;
• destroying or de-identifying your personal information when it is no longer required by law or our record retention policies.

Do we collect your personal information electronically or via the Internet?
If you use our transactional or information web sites and communicate with us via your computer or via sms on your mobile then we may collect your personal information.

Our web sites rely on "cookies" to provide a number of services to you. A cookie is a piece of data that an Internet site sends to your browser and which may then be temporarily stored on your computer. Cookies generally allow the Internet site you are browsing to interact more efficiently with your computer. The cookies we use are non- persistent, meaning that they allow you to be logged in and operate efficiently with our web sites but once you have logged out of your session the cookies are no longer active.

Usually you can set your browser to notify you before you receive a cookie, so that you can decide whether to
accept it, however sometimes, if you do not accept a cookie it may affect your use of our web site.

The cookies used by Suncorp are not used to track your specific or personal browsing habits. Suncorp does use these cookies to collect statistical information, such as how many visitors our Internet sites receive and how these users interact with the site, however, the information is specific to the session and where that person went, not who that person is. Suncorp collects and uses this de-identified information to maintain and improve the operation of our Internet sites.

 

Security of your personal information online
Suncorp maintains industry standard technology and procedures in respect to its information management and provision of online services. Suncorp has an ongoing program of review and enhancement of its security
measures. The reviews and updates address such matters as policies, processes and procedures,and technology reviews such as software, virus protection and fire wall settings.

E-mail transmissions, such as sending us an email via Outlook, Outlook Express, Hotmail or Gmail, are not
necessarily secure. If you have any concern about the security of the contents of your e-mail or any other
transaction over the Internet then you should consider contacting us by other means, such as telephone or visiting a branch or service centre.

Suncorp does however employ encryption techniques similar to other financial institutions and internet transactions systems globally. If you make a transaction involving the submission of personal information over the Internet to Suncorp using one of our online forms or via “Secure Messages” then Suncorp employs encryption technology to ensure the security of that personal information transmission.

Once Suncorp has received your personal information, it is stored and protected by a range of security controls including firewalls, user identification requirements and audit trails. Suncorp's systems and information technology infrastructure are regularly audited both by internal and external experts and regulatory bodies.

Can you complain about a breach of your privacy?
Yes you can. Please complain to us first. We would like to try and resolve your privacy complaint.
If you believe that Suncorp has not protected your personal information as set out in this Privacy Policy you may lodge a complaint with us by:

• calling the number provided to you in the information and product documentation you received when you selected your product or service from us;
• emailing the business via their email address available in your product documentation or via their internet site; or
• visiting one of our branches, service centres or places of business;

If you are a New Zealand customer, please complain by contacting the Privacy Officer. Their contact details are:
New Zealand Privacy Officer
Private Bag 92120
Auckland 1142
New Zealand

What if you are not satisfied with our response to your complaint?

If you are not satisfied with our response, you can refer your complaint to the relevant Privacy Commissioner.
In Australia.
You can contact the Federal Privacy Commissioner:
By telephoning 1300 363 992
By writing to: Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney, NSW 2001
In New Zealand.

You can contact the Privacy Commissioner:
By telephoning – Auckland – 302 8655,
By telephoning – from outside Auckland – 0800 803 909
By writing – Auckland – PO BOX 466 Auckland
By writing – Wellington – PO BOX 10-094 Wellington

Does our Privacy Policy change?
Suncorp reviews its policies, statements and procedures to keep up to date with changes in the law, technology and market practice. As a result we may update and change this Privacy Policy from time to time. If you have a concern or query about this Privacy Policy and how it operates please contact:

Chief Privacy Officer IPC FI011
GPO BOX 1453
Brisbane, QLD 4001

We encourage you to review this Privacy Policy on a regular basis.
Date of Issue: 13 February 2009