About this site

SLE LEGAL NOTICE

Disclaimer and Limit of Liability

To the extent permitted by law, SLE Worldwide Australia Pty Limited ("SLE") ABN 15 066 698 575 and its related companies makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. SLE hereby disclaims all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall SLE be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action, including but not limited to contract, negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content.

Although SLE believes the content to be accurate, complete and current, SLE makes no warranty 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. From time to time changes are made to the content herein. SLE may make changes in the products and/or the services described herein at any time.

Jurisdiction

These terms and conditions are governed by the laws in force in New South Wales, Australia and you agree to submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with this website.

Links to Other Sites

Some of the sites listed as links herein are not under the control of SLE. Accordingly, SLE makes no representations whatsoever concerning the content of those sites. The fact that SLE has provided a link to a site is not an endorsement, authorisation, sponsorship or affiliation by SLE with respect to such site, its owners or its providers. SLE is providing these links only as a convenience to you. SLE has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and SLE cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Copyright Notice

The contents of this site, including but not limited to the text and images herein and their arrangement are copyright © 2007 by SLE Worldwide Australia Pty Limited. All rights reserved.

SLE Privacy Policy

The Privacy Act and the National Privacy Principles (NPPs)

SLE has always valued the privacy of personal information. We are bound by the Privacy Act 1988(Cth). It sets out standards to be met in the collection, use, disclosure and handling of personal information.

"SLE" means SLE Worldwide Australia Pty Limited (ABN 15 066 698 575) and its related companies.

About Our Privacy Policy

This Privacy Policy outlines how we manage personal information. It applies to any personal information you provide to SLE and any personal information we collect, use, disclose or handle about individuals from other sources. It does not apply to our employee records which are not subject to the Act.

Any updates of our Privacy Policy can be accessed via our website, or by contacting the Privacy Officer at our office on 02 9249 4850.

Why We Collect Personal Information

We collect personal information to offer, provide, manage and administer the many financial services and products we are involved in. These including underwriting, claims management, risk management, other forms of insurance services, employee benefits and superannuation.

If you would like more information on the services and products available please contact us.

We also collect personal information to be able to develop and identify products and services that may interest you, conducting market or customer satisfaction research, developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services.

This consent to the use and disclosure of your personal information remains valid unless you alter or revoke it by giving us written notice.

The usual type of personal information collected includes your name, postal or e-mail address, date of birth, financial details etc. We may also need to collect sensitive information about you in relation to general insurance, information about your membership of professional or trade associations and health information.

If you do not provide the information requested, we or those involved with the provision of the service or product, may not be able to provide the appropriate type or level of service or product.

How We Collect Personal Information

We generally collect personal information directly from the relevant individual but in some cases we may collect it indirectly from a third party.

For example, an insured‘s representative may tell us about other persons wanting the benefit of our service or the relevant product such as a nominated driver, a director or officer or professional or other staff member. Alternatively, we may collect through our own representatives, advisers or another third party, such as loss adjusters, lawyers, insurers health care workers, publicly available sources or witnesses to a claim etc.

Who We Disclose Personal Information To

We have a duty to maintain the confidentiality of our client‘s affairs, including personal information. Our duty of confidentiality applies except where disclosure of personal information is with our client‘s consent or compelled by law.

We disclose personal information to third parties who we believe are necessary to assist us in providing, managing and administering the services we provide and products we are involved in. For example: our related companies and alliance partners who may wish to tell you about their services, products or promotional opportunities which may be of advantage to you, unless you tell us not to your representatives such as your lawyers, accountants, financial advisers etc. for banking and finance products - card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, insurers and reinsurers for insurance broking and general insurance products - insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers such as loss adjusters, lawyers and accountants, and others involved in the claims handling process.

Your personal information may also be used in connection with such purposes.

What We Expect of You

When you provide us with personal information about other individuals, we rely on you to have made or make them aware that you will or may provide their information to us, the types of third parties we may provide it to, the relevant purposes we and the third parties we disclose it to will use it for, and how they can access it (as described in this document). If it is sensitive information we rely on you to have obtained consent to the above. If you have not done either of these things, you must tell us before you provide the relevant information.

If you collect, use, disclose or handle personal information on our behalf, or receive it from us, you and your representatives must meet the relevant requirements of the National Privacy Principles set out in the Privacy Act 1988 and only use and disclose it for the purposes we agreed to.

Security of Your Personal Information

Your personal information may be stored in hard copy documents, as electronic data, or in our software or systems. We endeavour to protect any personal information that we hold from misuse and loss, and protect it from unauthorised access, modification and disclosure.

Some of the ways we achieve this are:
-confidentiality requirements on our employees
-policies on document storage security
-security measures for access to our systems
-only providing access once proper identification has been given
-controlling access to our premises
-website protection measures

Transfer of Information Overseas

We may transfer your personal information overseas where it is necessary for the purposes described above. For example, some insurers are based overseas and we need to provide your personal information to them to arrange your cover.

Keeping Information Up To Date and Accessing It

We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date whenever we collect, disclose or use it.

We will, on request, provide you with access to information we hold about you, unless there is an exception which applies under the NPPs.

Things that may affect your right to access include:
- access would pose a serious threat to the life or health of any individual
-access would have an unreasonable impact on the privacy of others
-a frivolous or vexatious request
-the information relates to commercially sensitive decision making process
-access would be unlawful or denying access is required or authorised by law (e.g. we have a duty of confidentiality to our client‘s and will not provide access to personal information about you if it will breach that duty)
-access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function, or negotiations with the individual
-legal dispute resolution proceedings

If we don‘t provide you with access, we will provide you with reasons for the refusal and inform you of any exceptions relied upon.
-You can also gain access to correct or update your personal information by contacting the Privacy Officer at our office on 02 9249 4850.

Dealing With Us Anonymously

Where lawful and practicable to do so you can deal with us anonymously e.g. general inquiries about the services we can offer you.

How To Contact Us

If you wish to gain access to your personal information, have a complaint about a breach of your privacy or have any query on how your personal information is collected or used, or any other matter relating to our Privacy Policy you can: you can contact our Privacy Officer directly by calling 02 9249 4850.

We will respond as soon as reasonably possible.

For more information on privacy see the Privacy Commissioner‘s website http://www.privacy.gov.au

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