Website Privacy Policy Personal information collected by ICF ( Australia) Pty Ltd and associated companies ("IC Frith") is treated as confidential and is protected by the Privacy Act 1988. Personal information is information relating to an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion provided. Site visit data This site is operated by IC Frith through the use of an external hosting service provider. When visiting this site, a record of your visit is logged. The following information may be automatically recorded for statistical purposes and is used by IC Frith to help improve the: site user's server address user's operation system (for example Windows, MAC etc) type of browser used user's top level domain name (for example .com, .gov, .au, .uk etc) date and time of the visit to the site pages accessed and the documents downloaded previous site visited external links from this site that are used by you. No attempt will be made to identify users or their browsing activities except in the unlikely event of an investigation, where a law enforcement agency may exercise a warrant to inspect the Internet Service Provider's logs. Collection of personal information When you e-mail us: we will record your e-mail address we will only use your e-mail address for the purpose for which you provided it it will not be added to a mailing list we will not use your e-mail address for any other purpose we will not disclose it without your consent Other personal information collected by us, for example through the use of an on-line form, will only: be collected by lawful and fair means be used for a lawful purpose be collected with your consent, and the purpose for collection should be clear and explicit Security of information Your personal information will not be released unless the law permits it or your permission is given. We provide a secure environment and a reliable system but you should be aware that there may be inherent risks associated with the transmission of information via the Internet. For those who do not wish to use the Internet, IC Frith provides alternative ways of obtaining and providing information. In some circumstances, IC Frith security guidelines may also require us to send particular information by non-electronic means. Cookies Cookies are pieces of information that a web site can transfer to an individual's computer hard drive for record keeping. Cookies can make web sites easier to use by storing information about your preferences on a particular web site. The information remains on your computer after the Internet session finishes.

Parts of this web site may use cookies to store basic statistical data. The information collected may be used by IC Frith to help it improve the service by understanding how it is used. There is no attempt made to identify individual users in any way. On each use a "session cookie" may be temporarily placed on your computer, which is used to maintain navigation information during your site visit. These session cookies are automatically deleted from your computer at the end of each Internet session. Your computer saves cookies to your hard drive so that they are available next time you use it. These cookies record details of search results and viewed documents to make your navigation easier on subsequent visits this site. IC Frith does not record this information. Most Internet browsers are pre-set to accept cookies. If you prefer not to receive cookies, you can adjust your Internet browser to refuse cookies or to warn you when cookies are being used. Advice about the Internet and personal information can be found on the Privacy Commissioner's web site, www.privacy.gov.au Purpose Of Collection IC Frith collects information necessary to assist in placing and administering your insurance cover, to maintain and to improve customer service and to advise you of products and services. You have a duty under the Insurance Contracts Act to disclose certain information. Failure to comply with your duty of disclosure or to provide certain information may result in an insurer either declining cover, cancelling your insurance cover or reducing the level of cover. In the course of administering your policy we may disclose your information to: relevant insurers and reinsurers either in Australia or overseas. contractors or third party providers providing services related to the placement and administration of your policy. banks and financial institutions for the purpose of obtaining policy payments. in the event of a claim assessors, third party administrators, emergency providers, retailers, medical providers and travel carriers We will only disclose your personal information to these parties for the primary purpose for which it was collected. In some circumstances IC Frith may be entitled to disclose your personal information to third parties without your authorisation such as law enforcement agencies or government authorities. Access To Your Information You may gain access to your personal information by a written request to IC Frith in accordance with our Privacy Statement. In some circumstances, IC Frith may not permit access to your personal information. Circumstances where access may be denied include where it would compromise the privacy of other individuals, or where it would be unlawful.