Privacy Policy

Our Commitment to Your Privacy

Insurance Me For Life (IMFL) is committed to protecting your privacy and handling your personal information responsibly and in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services.

1. What Information We Collect

Personal Information

When you use our services, we may collect the following types of personal information:

• Contact Details: Name, email address, phone number, postal address
• Identification Information: Date of birth, gender
• Financial Information: Income, assets, liabilities, existing insurance coverage
• Health Information: Medical history, pre-existing conditions, smoking status, height, weight
• Employment Information: Occupation, employer details, work duties
• Family Information: Details about dependents and beneficiaries
• Technical Information: IP address, browser type, device information, cookies

Sensitive Information

We collect sensitive information (such as health information) only with your consent and only when necessary to provide our services. Sensitive information is subject to additional protections under Australian privacy law.

2. How We Collect Information

We collect information in the following ways:

Directly From You

• Online quote request forms
• Phone conversations and consultations
• Email correspondence
• Insurance application forms
• Document uploads and submissions

From Third Parties

With your consent, we may collect information from:

• Insurance companies (when processing quotes and applications)
• Medical professionals (when assessing claims)
• Your financial adviser or accountant (if you authorize us to contact them)
• Publicly available sources (to verify information)

Automatically Through Our Website

• Cookies and similar tracking technologies
• Website analytics (Google Analytics)
• Log files and server data

3. Why We Collect and Use Your Information

We collect and use your personal information for the following purposes:

Primary Purposes

• To provide you with general advice about life insurance products
• To request and compare insurance quotes on your behalf
• To assist you with completing insurance applications
• To liaise with insurers during underwriting and application processes
• To provide ongoing service and support for your policies
• To assist with insurance claims

Secondary Purposes

• To comply with legal and regulatory obligations (ASIC, ATO, AFCA)
• To conduct internal audits and quality assurance
• To improve our services and website functionality
• To send you relevant updates about your policies or our services (with consent)
• To manage complaints and disputes

4. Who We Share Your Information With

We may disclose your personal information to the following parties:

Insurance Companies

We share your information with insurance companies to obtain quotes, process applications, and manage claims. Insurers have their own privacy policies governing how they handle your information.

Our AFSL Holder

Consilium Advice Australia Pty Ltd (AFSL 246623) has oversight of our operations and may access your information for compliance, audit, and supervisory purposes.

Service Providers

We may share information with third-party service providers who assist us, including:

• Technology providers (website hosting, CRM systems, email services)
• Payment processors
• Professional advisers (lawyers, accountants, auditors)

Regulatory Bodies

We may disclose information to regulators such as ASIC, the Australian Financial Complaints Authority (AFCA), or law enforcement agencies when required by law.

Other Parties

We may disclose information:

• With your consent to other parties you specify
• If required by law or court order
• To protect our legal rights or prevent fraud

5. Overseas Disclosure

Some of our service providers may store or process data on servers located overseas (e.g., cloud hosting providers in the United States or Europe). When we disclose information overseas, we take reasonable steps to ensure recipients comply with Australian privacy standards.

Countries to which we may disclose information include:

• United States (cloud hosting, analytics)
• European Union (email services)

6. How We Protect Your Information

We take information security seriously and implement measures including:

Technical Safeguards

• SSL/TLS encryption for data transmission
• Encrypted database storage
• Secure authentication and access controls
• Regular security audits and vulnerability assessments
• Firewall and intrusion detection systems

Organizational Safeguards

• Staff training on privacy and data security
• Confidentiality agreements with employees and contractors
• Secure disposal of physical and electronic records
• Regular review and update of security policies

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Generally, we retain information for:

• Active client records: Duration of policy plus 7 years
• Inactive records: 7 years from last contact (ASIC requirement)
• Financial records: 7 years (ATO requirement)

7. Your Privacy Rights

Under the Privacy Act, you have the following rights:

Right to Access

You can request access to the personal information we hold about you. We will provide access within 30 days unless a legal exception applies.

Right to Correction

If you believe any information we hold is inaccurate, incomplete, or out of date, you can request correction. We will update records promptly and notify relevant third parties if necessary.

Right to Complain

If you believe we have breached your privacy, you can lodge a complaint using our complaints process. If not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC).

How to Exercise Your Rights

To access, correct, or make a privacy complaint:

8. Cookies and Website Tracking

What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us improve your experience and analyze website usage.

Types of Cookies We Use

• Essential Cookies: Required for website functionality (login, forms)
• Analytics Cookies: Google Analytics to understand how visitors use our site
• Performance Cookies: To optimize website speed and performance

Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality. Most browsers allow you to:

• View and delete existing cookies
• Block all cookies
• Block third-party cookies only
• Receive notifications before cookies are stored

9. Marketing Communications

We may send you marketing communications about our services, insurance updates, or relevant industry news, but only with your consent.

Unsubscribe

You can opt out of marketing communications at any time by:

• Clicking "unsubscribe" in any marketing email
• Emailing us at torben@insuremeforlife.com.au
• Calling us on 0407 934 855

Note: Even if you opt out of marketing, we may still send you service-related communications about your policies or account.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending you an email notification (if we have your email address)

Your continued use of our services after changes take effect constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

12. Office of the Australian Information Commissioner

If you are not satisfied with our response to a privacy complaint, you can contact the Office of the Australian Information Commissioner (OAIC):