Privacy Policy

Section A. Introduction

1.1 At Risk Researcher Pty Ltd, we are committed to protecting the privacy of individuals who interact with our services. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1.2 Personal information is any data that can identify you, such as your name, contact details, or date of birth. Sensitive information like health, genetic or biometric details requires extra protection.

1.3 We safeguard your information in accordance with the APPs and relevant legislation.

Section B. Why We Collect Your Information

2.1 We collect personal information when necessary to:

• Provide life insurance comparison and referral services.

• Fulfill legal and regulatory requirements.

• Respond to your inquiries or support requests.

• Conduct research, analysis, and service improvements.

• Detect and prevent fraud or illegal activity.

Section C. Types of Information We May Collect

3.1 Personal Information may include:

• Name, contact details (email, phone, address).

• Date of birth, gender, occupation.

• Financial or account details.

3.2 Sensitive Information may include:

• Medical history, lifestyle details related to insurance applications.

• Any health-related information required during assessment.

Section D. How We Collect Your Information

4.1 We primarily collect information directly from you such as when you complete a form, speak with us, or request a quote.

4.2 In some cases, we may collect information from third parties (e.g., insurers or your representative), but only when it is permitted by law or authorised by you.

Section E. Storage and Security

5.1 We take reasonable and appropriate steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.

5.2 Our security measures include physical, technical, and administrative controls, which are reviewed and updated periodically.

Section F. Use and Disclosure of Your Information

6.1 We may use or disclose your information to:

• Insurers and insurance providers involved in delivering services to you.

• Our trusted service providers (e.g., IT, compliance, or audit partners).

• Third parties acting on your behalf (e.g., financial advisors, legal representatives).

• Government or enforcement bodies, if required by law.

6.2 Recipients of your information are required to maintain confidentiality and adhere to applicable privacy standards.

Section G. Marketing Communications

7.1 With your consent, we may send you information about our services or updates. You can opt out of such communications at any time by contacting us.

Section H. Access and Correction

8.1 You may request access to or corrections of your personal information by contacting us.

8.2 We will respond within a reasonable time, generally within 14 days. In case of delays, we will notify you accordingly.

8.3 If we refuse your request (for example, due to legal or commercial sensitivity), we will provide reasons and outline any complaint options available to you.

Section I. Privacy Complaints

9.1 If you have concerns about how we handle your information, please contact us using the details below. We have an internal complaints resolution process and aim to resolve issues promptly.

9.2 If you're not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).

Section J. Changes to This Policy

10.1 We may revise this Privacy Policy at any time. Any changes will be posted on our website with an updated "Last Updated" date. Continued use of our services after changes constitute your acceptance of the updated policy.

Section K. Contact Us

If you have questions, wish to opt out of marketing, request access or correction, or make a privacy complaint, please reach out:

• Email: info@riskresearcher.com.au

• Phone: 03 8199 3000

• Postal Address: Suite 1, Level 3, 250 Camberwell Road, Camberwell, Victoria 3124