Privacy Policy

Last updated: July 2021

Hello again! This is all about how we protect your privacy and handle your personal information. We’ve tried to make it as simple as possible but please – if you have a question? Let us know – hello@upcover.com

1 - Policy Statement

This is the Privacy Policy of Upcover Ltd (ABN: 17 628 197 437) “Upcover”. Within this Privacy Policy, “Our website” refers to all information, services, text, graphics and other data contained under the domain name http://upcover.com. “We”, “our” and “us” refers to Upcover and its related entities and “you” or “your” refers to the person providing personal information and/or accessing our website. At Upcover, your privacy is extremely important to us. We are committed to protecting the privacy of your personal information and to handling your personal information in a responsible manner.

Upcover supports:

fair, transparent and open collection practice and management of personal information;
processes that ensure personal information is accurate, complete, current and secure;
an individual’s right to see and where necessary, correct personal information about themselves; and
limiting the use of personal information.

2 - Personal Information

We may ask you for personal information, such as your name, email, address, contact details and payment details. We collect only the personal information relevant to providing you with a service, and use your information only to ensure the fulfilment of this service. You are free to refuse our request for your personal information, with the understanding that we, or our insurance partners and claims services providers, may be unable to provide you with some of your desired services without this information. We do not share your personal information with third-parties, except where it is required in order to provide you with a service, by law or to protect our own rights. We will only retain personal information for as long as necessary to provide you with a service.
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We take reasonable steps to ensure that the personal information we collect and store, use or disclose is accurate. We do rely on you to advise us of any amendments required to your information to ensure it is accurate. If you would like to seek correction of your personal information, please contact us. Our contact details are at the end of our Privacy Policy under “Contact Us”.

3 - Cookies

We use "cookies" and other similar technologies (for example third-party Pixels) to collect information about you and your activity across our website, and for marketing purposes (such as retargeting). A cookie is a small piece of data that our website stores on your computer and accesses each time you visit so we can understand how you use our site and serve you content based on preferences you have specified. If you do not wish to accept cookies from us, you should instruct your browser to refuse cookies from our website, with the understanding that we may be unable to provide you with some of your desired service without them.

4 - Variation

Our Terms of Use may be varied at any time without notice (where permitted by law) for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of our website, by publishing the varied Terms of Use on our website. We will indicate on our website that these Terms of Use have changed; however, we are under no obligation to specifically contact or notify you of any variation to these Terms of Use. You accept that by doing this, we have provided you with sufficient notice of the variation. By your use of our website after any variation, you are taken to have accepted the new Terms of Use.

5 - Third-Party Services

We may work with third-party companies and individuals on our websites and our app – for example, analytics providers, content partners, our Distribution Partner, Armada Underwriting, and any affiliated insurance partner, including Professional Risk Underwriting Pty Ltd, and certain Underwriters, and any claims services providers. These third parties have access to your personal information only to perform specific tasks on our behalf and are legally obligated not to disclose or use it for any other purpose.

6 - Security

We take security seriously, we will take all reasonable steps to ensure your data security once we receive it from loss or theft, as well as unauthorised access, disclosure, copying, use or modification. However, we must advise that no method of electronic transmission or storage is 100% secure and cannot guarantee the absolute security of your data. It’s important to be aware that sending and receiving information over the internet is at the user’s own risk.

7 - Links

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot assume responsibility for their treatment of your personal information. This privacy policy only covers our website and privacy practices.

8 - Changes to our Privacy Policy

We may make changes to this Privacy Policy from time to time and place any updated version of the Privacy Policy on this website, as well as any Underwriter’s products or services mentioned on this website - constitutes your acceptance of the revised Privacy Policy. At our discretion, we may change our Privacy Policy from time to time. Your continued use of this site after any changes to this policy will be regarded as acceptance of our practices around privacy and personal information.

9 - Our Privacy Statement

Please review the Policy Wording and any Terms and Conditions to review our Privacy Statement, attached to our insurance partner, Professional Risk Underwriting, Financial Services Guide.
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Please get in touch with us here if you have any questions.

upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).

upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177, AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from HDI Global Specialty SE - Australia (ABN 58 129 395 544) (HDI Global Specialty). Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and HDI Global Speciality, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.

Consider the Policy Wording For Allied Health Professionals Insurance Policy, Policy Wording For The Public & Products Liability Insurance Policy, Cyber & Privacy Liability Policy, RideProtect Commercial Motor & Motor Fleet Insurance Policy, the Management Liability Insurance Policy, the Association Liability Insurance Policy, the Sole Traders & Partnerships Liability Policy, the General Terms & Conditions and the Financial Services Guide to decide if an insurance product offered by upcover is right for you.

Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.