Terms & Conditions

Introduction

The privacy of your personal information is very important to Korsa Connect Pty Ltd (ABN: 40 687 300 741), trading as Korsa Insurance (“us”, “our”, “we”). This Privacy Policy explains how we collect, use, disclose, and protect personal information in accordance with our obligations under the Privacy Act 1988 (Cth) (“Privacy Act”).

We may update this Privacy Policy from time to time. The most current version will always be available on our website.

About the Privacy Act

The Privacy Act, including the Australian Privacy Principles (APPs), governs how private-sector organisations collect, use, store, secure and disclose personal information.

Personal information includes data that identifies an individual — such as name, address, contact details, date of birth, and information about your devices.

The purpose of the Privacy Act is to ensure private organisations handle personal information responsibly and transparently. It gives individuals rights, including to know what information is held about them and to request corrections where information is inaccurate.

Information We Collect

We collect personal information that is relevant to providing our insurance products and services. Whenever possible, we collect information directly from you.

We only collect this information with your consent or as otherwise permitted under the Privacy Act. Consent may be express or implied — for example, by continuing a phone call after hearing a recorded privacy notification.

Types of Personal Data We Hold

Individual details: Name, residential address, contact details (email, phone), gender, marital status, date/place of birth, nationality, employment details, job title, identity documentation, family details.

Financial information: Bank account or card details, income, financial circumstances.

Risk details: Information needed to assess or underwrite insurance risks, including health information, criminal history, or other sensitive data relevant to cover.

Policy information: Quotes provided, policy details, coverage history.

Credit & anti-fraud data: Credit history, credit score, sanctions data, criminal offence history, and information from anti-fraud databases.

Claims information: Previous and current claims, including health data, criminal history, or investigative reports where applicable.

Use of Information

We use the personal information we collect to:

• Provide insurance quotations
• Issue, administer and manage insurance policies
• Process and manage claims
• Communicate with you regarding your policy or cover
• Improve our services and customer experience
• Provide you with updates or information about our products and services

We may also use your information for operational, compliance, auditing, and regulatory purposes.

Why We Use Your Personal Data

We collect your personal information to assist with advising on, arranging, underwriting and administering insurance contracts, and managing claims. Specifically, this may include:

Advising on, arranging and underwriting policies

• Understanding your requirements
• Assessing risks and determining pricing
• Performing credit, identity, sanctions or anti-money laundering checks
• Preventing fraud

Administering your policy

• Managing changes to your cover
• Providing ongoing customer service
• Maintaining contact with you about your insurance

Managing claims

• Registering, assessing and processing claims
• Communicating with third parties involved in your claim
• Conducting fraud investigations
• Defending or pursuing legal claims where relevant

Other purposes

• Complying with legal or regulatory obligations
• Testing systems and processes (with safeguards in place)
• Reinsurance arrangements
• Business restructuring, transfers or audits
• Marketing (subject to opt-out preferences)

Online Privacy

We may collect personal information when you interact with our website, including when you:

• Submit a request or enquiry
• Provide your email address
• Subscribe to updates or newsletters

Email addresses collected for specific purposes (e.g., enquiries or services) will be used only for that purpose unless you opt-in to receive additional information. All marketing emails comply with the Spam Act 2003 (Cth), and you may unsubscribe at any time.

Use of Cookies

Our website may use cookies or similar technologies to enhance your user experience. Cookies may be used for purposes such as:

• Providing a more personalised website experience
• Collecting anonymous statistical information (e.g., website usage, traffic sources)
• Improving site performance

You may disable cookies through your browser settings, though this may affect website functionality.

Disclosure to Other Parties

We may disclose your personal information to third parties involved in delivering our services, including:

• Insurers, underwriters and claims handlers
• Reinsurers
• Regulatory bodies or law enforcement (where required)
• Service providers such as IT, administration, analytics, marketing, or legal advisors

Where you provide personal information about someone else, you must ensure you have their consent.

Third parties receiving your information may only use or disclose it for the specific purpose for which it was provided.

Access to Personal Information

You may request access to the personal information we hold about you. Access may be refused in limited circumstances permitted under the Privacy Act (e.g., legal proceedings or frivolous requests).

Where a fee applies to processing an access request, we will notify you before proceeding.

Accuracy of Information

We take reasonable steps to ensure the information we hold is accurate and up to date. If you believe your information is incorrect, please contact us and we will make the appropriate updates.

Information Security

We take reasonable precautions to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.

Although we use security safeguards, no data transmission over the internet can be guaranteed as completely secure. Information sent or received online is at your own risk, but we will take all reasonable steps to protect your data once received.

Contacting Us

If you have any questions about this Privacy Policy or how your personal information is handled, please contact:

Korsa Insurance
Email: marks@korsainsurance.com.au
Phone: +61 417 132 838