FOS Insurance Group Pty Ltd

Privacy Policy

FOS Insurance Group Pty Ltd · ABN 88 703 627 721 · Melbourne VIC

FOS Insurance Group Pty Ltd (ABN 88 703 627 721) (“we”, “us” or “our”) is committed to protecting the privacy and confidentiality of the personal information we handle. This Privacy Policy explains how we collect, use, disclose and safeguard personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). It applies to all visitors to fosinsurancegroup.online and to our clients and business contacts.

1. The kinds of personal information we collect

We only collect personal information that is reasonably necessary for our professional business and consulting services. The information we may collect includes:

Where practicable, we collect personal information directly from you. We may also collect information from publicly available sources or from third parties where you have authorised them to share it with us.

2. How we collect personal information

We collect personal information through our website forms, email correspondence, telephone conversations, business meetings, and other interactions you have with us. When you access our website, our systems may automatically record technical information such as your IP address, browser type and the pages you visit.

3. How we use and disclose personal information

We use personal information to:

We do not sell or rent personal information. We may disclose personal information to third parties where reasonably necessary for the purposes described above, including professional advisers, service providers who host or support our systems, and government or regulatory bodies where required or authorised by law. Any third parties we engage are required to handle personal information in accordance with the Australian Privacy Principles.

4. Direct marketing

We may use your contact details to send you information about our services that we believe may be of interest to you. Where we do so, we will provide a simple means for you to opt out of receiving further marketing communications, such as an unsubscribe link or the option to reply to our correspondence requesting removal. If you ask us not to send you marketing material, we will act on your request promptly.

5. Overseas disclosure

We generally store and process personal information within Australia. However, some of our service providers or their supporting infrastructure may be located outside Australia. Where personal information is disclosed to an overseas recipient, we take reasonable steps to ensure that the recipient handles that information in a manner consistent with the Australian Privacy Principles.

6. Data security

We take reasonable steps to protect personal information we hold from misuse, interference and loss, and from unauthorised access, modification or disclosure. These steps include secure storage systems, access controls limited to personnel who need the information to perform their duties, and secure disposal or de-identification of personal information when it is no longer required, subject to any legal retention obligations.

7. Access to and correction of your personal information

You may request access to the personal information we hold about you, and request correction of any information you believe is inaccurate, out of date, incomplete, irrelevant or misleading. We will respond to your request within a reasonable period. In some circumstances permitted under the Privacy Act, we may decline a request for access, in which case we will provide you with a written explanation and information about how you may complain.

8. Cookies and analytics

Our website may use cookies and similar technologies to enhance your browsing experience, remember your preferences and gather aggregated statistics about website usage. Most browsers allow you to refuse cookies or delete them through your browser settings. Disabling cookies may affect some functionality of the website.

9. Anonymity and pseudonymity

Where it is lawful and practicable, you may deal with us anonymously or using a pseudonym, for example when making a general enquiry about our services. However, in most cases we will need your contact details to respond effectively or to provide our services to you or your organisation.

10. Complaints and how to contact us

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or wish to make a complaint about how we have handled your personal information, please contact us:

We take privacy complaints seriously and will acknowledge your complaint promptly and investigate it fairly. We aim to resolve complaints within a reasonable timeframe and will keep you informed of our progress. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal obligations. The current version will always be published on this page, and continued use of our website after changes are published constitutes acceptance of the updated policy.

12. More information

For more information about privacy in Australia, including the Australian Privacy Principles, you can visit the Office of the Australian Information Commissioner at www.oaic.gov.au.