1. About this Privacy Policy
Policy Direct is an Australian insurance information and referral website. We provide information about personal insurance, visa health insurance and business insurance and may provide links to insurers and other insurance platforms.
This policy describes our approach to personal information. Where the Privacy Act 1988 (Cth) and the Australian Privacy Principles apply to us, we intend to handle personal information consistently with those requirements.
2. Information we may collect
The personal information we collect depends on how you interact with Policy Direct. It may include:
- your name, telephone number and email address;
- information you provide when making an enquiry or contacting us;
- information relevant to the insurance product or category you are enquiring about, where you choose to provide it;
- records of communications with us; and
- technical and website usage information such as browser type, device information, pages visited, referring pages and similar website data.
Please do not provide sensitive information unless it is reasonably necessary for your enquiry and you are comfortable providing it.
3. How we collect personal information
We may collect personal information directly from you when you contact us by telephone or email, submit information through a website feature or otherwise communicate with us. We may also receive limited technical information automatically when you use our website through cookies, server logs or analytics technologies that are in use on the site.
Where lawful and practicable, you may interact with us without identifying yourself. However, we may need identifying or contact information to respond to a particular enquiry.
4. Why we collect and use personal information
We may collect, hold and use personal information to:
- respond to enquiries and communicate with you;
- provide information about insurance categories, providers or available pathways;
- operate, maintain, secure and improve the Policy Direct website;
- understand website usage and improve our content and services;
- manage our business records and relationships with service providers; and
- comply with applicable legal or regulatory requirements.
We do not make insurance underwriting or eligibility decisions. Those decisions are made by the relevant insurer or external provider where applicable.
5. Insurers, referral links and third-party websites
Policy Direct contains links to insurers and other third-party insurance platforms. If you follow one of these links, you leave the Policy Direct website and the third party's own privacy policy and information-handling practices apply.
Information you enter directly on an insurer's or third-party provider's website is provided to that organisation, not to Policy Direct merely because you reached that website through one of our links.
Some links may be referral or affiliate links. Policy Direct may receive a referral, affiliate or other benefit from eligible activity through those links. This does not change the third party's responsibility for information you provide directly to it.
7. Disclosure and overseas recipients
We may disclose personal information where reasonably necessary to service providers that assist us with website hosting, technology, communications, analytics, administration or other business functions, and where required or authorised by law.
Some technology or service providers may process or store information outside Australia. The countries involved can vary depending on the providers and systems being used. Because those arrangements may change, it may not always be practicable for us to identify every country in advance. Where Australian privacy law applies to an overseas disclosure, we will take the steps required by that law.
When you choose to proceed to an insurer or external insurance platform, any information you provide on that external website is handled under that organisation's privacy practices.
8. Storage and security
We take reasonable steps appropriate to our operations to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. Personal information may be held electronically by us or by service providers that support our business.
No internet transmission or electronic storage system can be guaranteed to be completely secure.
9. Accessing or correcting your personal information
You may contact us to request access to personal information we hold about you or to ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. We may need to verify your identity before dealing with a request.
Requests can be sent to info@policydirect.com.au, by telephone on +61 479 070 270, or by post to 16 The Boulevard, Thomastown, Victoria 3074, Australia.
10. Privacy enquiries and complaints
If you have a concern or complaint about how Policy Direct has handled your personal information, please contact us using the details below and provide enough information for us to understand the issue. We will review the matter and respond as appropriate.
If Australian privacy law applies and you are not satisfied with our response, you may have the right to contact the Office of the Australian Information Commissioner (OAIC).
11. Contact Policy Direct
Policy Direct
16 The Boulevard, Thomastown, Victoria 3074, Australia
Phone: +61 479 070 270
Email: info@policydirect.com.au
Changes to this Privacy Policy
We may update this Privacy Policy when our website, business practices, service providers or legal obligations change. The current version will be published on this page with its updated date.