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Our Commitment to Your Privacy
1. What is the personal information
Personal information is information or an opinion about an individual which can be used to identify – or reasonably identify – that individual. Some personal information is also “sensitive information” and includes information or opinion about things such as racial or ethnic origin, political opinions or associations, religion, sexual preference and criminal record. Generally Atradius does not collect sensitive information but if we do, we will only collect it with your consent or if we are legally required to do so.
There may be instances where you want to deal with us anonymously or using a pseudonym e.g. if you request general information about our products or services. We will try to accommodate such a request but in most cases it will not be practical for you to deal with us in this manner..
2. The information we collect
Atradius will only collect personal information that is necessary for us to provide you with the products and services you have requested and to manage and pay any claims to you. The personal information we collect may include (but is not limited to) names, addresses, contact details and/or email address, your bank account details, your previous claims history, details of current and previous insurance policies and financial information. For employment applications we may also collect information about residency status, qualifications and proof of identity details.
If you choose not to provide us with the personal information we require then we may not be able to provide the appropriate type or level of product or service to you or we may not be able to consider your employment application with us.
Atradius does not use Australian Commonwealth, State or Territory Government identifiers as its own identifier. If we collect such identifiers then we will not disclose them unless we are legally required to do so.
3. How we collect information
Atradius will only collect personal information by fair and lawful means.
We may collect personal information about you in a number of ways, including directly from you (by telephone, email or facsimile), through documents which we ask you to complete (including those you complete on-line through our website and Serv@Net), from publicly available sources and using our own records of other Atradius products or services to which you do or have subscribed to. We may also collect personal information from someone else including a broker or authorised representative, credit reporting companies and other parties, including those involved in a claim.
We also use internet technology (e.g. cookies) to collect very general statistics about visitors to our website and to monitor the appeal and relevance of our website offers. We use this information to upgrade and improve our website. However, we do not collect personal information or marketing data from cookies. You can tune your browser to not receiving any cookies when visiting our website but if you do so this might limit your options to use all the services our website offers.
4. How does Atradius use personal information?
Atradius will use personal information for any purpose for which you have given your consent and in ways that you could reasonably expect including providing and marketing our products and services, in arranging and managing your insurance requirements, processing and paying claims and undertaking market or customer satisfaction research in relation to our products and services. We may also use personal information when handling complaints and disputes or assessing and processing employment applications.
Whenever we contact you for marketing purposes we will give you the opportunity to “opt out” or “unsubscribe” from future marketing communications. You may also contact our Privacy Manager at any time to opt-in or opt-out of our marketing programmes.
5. Storing personal information
Atradius stores personal information in secure environments including our computer systems or databases and in paper records and telephone recordings. We may also use third party service providers for data storage services. We have the systems and processes in place to protect the personal information we collect from misuse, loss and unauthorised access, modification or disclosure.
6. Disclosure of your information
We may disclose personal information to any person or party authorised by you. We may also disclose personal information to other Atradius companies, affiliates and third parties where it is necessary to do so for us to provide that product or service or if we are legally required to do so. These parties include but are not limited to our external advisers (for example our lawyers, accountants and auditors), reinsurers, other insurers, business partners and service providers.
7. Accessing your personal information
Atradius aims to ensure that the personal information we collect and store is relevant and accurate, up-to-date and complete. If you believe that the personal information we currently have is incorrect or incomplete, you may contact us and request access to the personal information we hold and also to correct any errors. We will respond within 30 days of receiving the request. Generally, there are no fees involved but we may ask you for proof of identity and/or evidence that you are authorised to access the personal information.
8. Making a complaint
If you have reason to believe that we have in some way compromised your privacy in our handling of your personal information, you may contact our Complaints Manager on 1800 737 638 or by email to email@example.com or our Privacy Manager.
We will try to resolve your complaint in accordance with our Complaints Resolution process. However, if you are unhappy with the resolution of your complaint – or in the way in which we handled the complaint – you may be able to refer the matter to an external dispute resolution scheme or the Financial Ombudsman Service (www.fos.org.au) or the Office of the Australian Information Commissioner (www.oaic.gov.au)
9. Third party sites
A hyperlink from this Web Site to another web site does not imply or mean that Atradius endorses the content on that Web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you link from this Web Site. Atradius assumes no responsibility for the use of third party software on the Web Site and shall have no liability whatsoever to any person or entity for the security, accuracy or completeness of any outcome generated by such software.
10. Third party sites
You may also write to our Privacy Manager at;
Atradius Credit Insurance NV
PO Box Q310 Queen Victoria Building, NSW 1230