Privacy Policy

At SALT Marine Risks Pty Limited, including its related companies ("SALT”), we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth), the Privacy Act 2020 (NZ) and the respective Australian and New Zealand Privacy Principles. This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected. 

‍What information do we collect and how do we use it? 
‍We provide insurance underwriting and intermediary services, including access to insurance funding services, claims management services, risk management or other consulting services (“the Services”). We may ask you (or your insurance broker or representative) for the information we need to provide you with the Services.  This can include abroad range of information ranging from your name, address, contact details, age and other information about your personal affairs including your assets, personal belongings, financial situation, health and wellbeing. We may provide this information to insurers or other third parties, including our related companies, in connection with the Services we provide you, or otherwise with your consent.  The insurers or third parties who might receive your personal information can include our related companies, our agents, contractors, agents of insurers and others they rely upon to provide their services and products (for example, reinsurers), premium funders, other insurance intermediaries, insurance reference bureaus, loss adjusters or assessors, medical service providers, credit agencies, lawyers and accountants, prospective purchasers of our business and our alliance and other business partners. Insurers or other third parties, may in turn pass on this information to their reinsurers, advisers or other third-party intermediaries. Some of these companies are located outside Australia or New Zealand. When you make a claim under your policy, we require information to be collected about your claim (either from you or your insurance broker or representative). Sometimes we also need to collect information about you from others.  We provide this information toother third parties, such as insurers (or third parties appointed to assist or consider your claim, for e.g. loss adjusters, medical brokers etc) and this information may also be passed on to reinsurers. From time to time, with your consent, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you. 

‍What if you don’t provide some information to us? 
‍We can only fully advise you and assist in providing the Services, if we have all relevant information. The insurance laws also require you to provide us and insurers with the information we need in order to be able to decide whether to insure you and on what terms. You have a duty to disclose the information which is relevant to the decision to insure you. 

‍When do we disclose your information overseas? 
‍SALT is part of Howden Group Holdings Limited (UK) (“the Howden Group”). We may share your personal data with the Howden Group and other Howden Group companies as part of the Services we provide you, or in order to identify any other products or services which the Howden Group offers that may be of interest to you (where we have appropriate permission).  Australian and overseas insurers acquire reinsurance from reinsurance companies that are located throughout the world so in some cases your information may be disclosed to them for assessment of risks and in order to provide reinsurance to the insurer. We do not make this disclosure. This is made by the insurer (if necessary) for the placement of their reinsurance program. We may also disclose information we collect to the providers of our policy administration systems or other third parties that help us to provide our products and services to you. These providers may be supported and maintained by organisations in Australia, New Zealand, the Philippines, Vietnam, the European Union or the United Kingdom and your information may be disclosed to those organisations. Please note that the Australian and New Zealand Privacy Act and respective Privacy Principles may not apply to these organisations. 

‍How do we hold and protect your information? 
‍We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements. We hold the information we collect from you initially in a working file, which when completed is electronically imaged and stored, after which any paper is destroyed in our onsite shredder. In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers located in Australia or New Zealand, as applicable who are also regulated by the Privacy Act.  We ensure that your information issafe by protecting it from unauthorised access,modification and disclosure. We maintain physical security over our paperand electronic data and premises, by using locks and security systems. We alsomaintain computer and network security; for example, we use firewalls (securitymeasures for the Internet) and other security systems such as user identifiersand passwords to control access to computer systems where your information is stored. 

‍Will we disclose the information we collect to anyone? 
‍We do not sell, trade, or rent your personal information to others.  We may need to provide your information to contractors who supply services to us, for e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event.  We may also disclose information we collect to the providers of our policy administration systems that help us to provide our products and services to you.  However, we will take reasonable measures to ensure that they protect your information as required under the applicable Australian or New Zealand Privacy Act.  We may provide your information toothers if we are required to do so by law, you consent to the disclosure or under some unusual other circumstances which the respective Privacy legislation permits. 

‍How can you check, update or change the information we are holding? 
‍Upon receipt of your written request and provision of sufficient information to allow us to identify the requested information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.  If you wish to access or correct your personal information please write to the Privacy Officer at SALT Marine Risks Pty Limited, Level 23, 20 Bond St, Sydney NSW 2000, or by emailto privacy@saltmarine.insure. We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time, then a charge will need to be confirmed for responding to the request for the information. In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal. 

‍What happens if you want to complain? 
‍If you have concerns about whether we have complied with the applicable Australian or New Zealand Privacy Act or this Privacy Policy when collecting or handling your personal information, please write to the Privacy Officer at SALT Marine Risks Pty Limited, Level 23,20 Bond St, Sydney NSW 2000, or by email to privacy@saltmarine.insure. Your complaint will be considered by us through our internal complaints resolution process and we will try to respond with a decision within 30 days of you making the complaint. 

‍Your consent 
‍By asking us to assist with provision of the Services, you consent to the collection and use of the information you have provided to us for the purposes described above. 

‍Website information and content
‍The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site. To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement.  We will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. To the extent permitted by law we will not be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this site. We believe the content of this site to be accurate, complete and current, however there are no warranties 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.  We reserve the right to modify the content of this site from time to time. 

‍Anonymous data
‍We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services. 

‍Cookies
‍In order to collect this anonymous data we may use “cookies”. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to record some aspects of a website and to provide information to the owners of the website. Our cookies do not store personal information or obtain information about you, your family, or read any material on your hard drive. You can adjust the settings in your web browser to determine whether sites can set cookies on your computer. You can also manage what cookies we set when you visit our website. ‍

‍Tell us what you think  We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact the Privacy Officer by email: privacy@saltmarine.insure.