Terms & Condtions
What information do we collect and how do we use it?
When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg loss adjusters, medical advisers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.
General Advice Warning
Darling Downs Insurance Brokers in providing information on this website have not taken into account your objectives, financial situation or needs. Before acting, you should consider the appropriateness of any information in the light of your own objectives, financial situation or needs.
We recommend to Retail Clients that you obtain and consider the Product Disclosure Statement for the product before making any decisions.
– 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.
– In order to collect this anonymous data we may use ”cookies”. Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it.
We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information, email or write to us.
We may use your information internally to help us improve our services and help resolve any problems.
What if you don’t provide some information to us?
We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.
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.
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, eg to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
How can you check, update or change the information we are holding?
Please contact our compliance officer Michael Utley
By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Our commitment to ensuring our products and services meet your expectations means we value your feedback regarding how we are performing.
If we make a mistake, or our service doesn’t meet your expectations, we want to know. We understand the frustration our customers feel when something goes wrong.
We will look to you to provide all relevant information; including identifying the issue and the solution you are seeking.
Click on the following link if you would like more information on our Complaints Handling Procedure.
If you have an issue or a complaint please contact our office directly.
Why choose Darling Downs Insurance ?
YOUR TRUSTED INSURANCE BROKER
We buy the insurance for you
We understand your needs
We are here to help
Why USE A BROKER?
to give you the best advice
First and foremost as your broker, we don’t sell you insurance, we buy it for you. Insurance is all about protecting and safeguarding your farm, your business, your family or yourself if something unexpected happens.
Which of the hundreds of policies available will provide you with the best and most appropriate cover?
How do you select an insurance company?
How do you make sense of all that fine print?
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LEARN MORE ABOUT OUR COMPANY
Our brokerage with a staff of 10 dedicated people who have a combined insurance experience of over 150 years like to think we are "Large enough to trust but small enough to care".