Privacy Policy

We are covered by the Federal Privacy Act and it’s National Privacy Principals (NPPs), which sets out standards for the collection, use, disclosure and handling of personal information and sensitive information
Personal information is essentially information or an opinion about a living individual whose identity is apparent or can reasonably be ascertained from the information or opinion (e.g. name and address)
Our Privacy Policy applies to any personal information we collect, use or disclose after 21 December 2001. It does not apply to our employee records.
Employee records are currently exempt from the privacy principals, but we nonetheless afford appropriate levels of confidentiality to this information.
Sensitive information is a particular kind of personal information and includes information about an individual’s health; racial or ethnic origins, membership of political, professional or trade associations; political opinions or philosophical or religious beliefs, criminal record; or sexual preferences.
Why do we collect personal and sensitive information?
We collect personal information from you to be able to provide you with our various services. 
This may include insurance broking, claims and other forms of insurance services.
What we do with the personal and sensitive information we collect?
Unless you tell us not to, we may disclose this information to other organisation where we believe it is necessary to assist us and them in providing their services. Recipients will typically be insurers, reinsurers, other insurance intermediaries, employers, health workers, investigators, lawyers, loss adjusters. These organisations in turn may need to disclose the information to other such third parties, but we limit their use and disclosure to the purpose or purposes for which we supplied it (unless you or we consent).
We also use the information for administrative purposes such as processing applications for insurance. We may also use your information to let you know about our range of products and services unless you advise otherwise.
We may sometimes be required by law, such as under legislation or by court order, to disclose some of your personal information.
If you do not provide the required information, it may not be possible to provide appropriate products or services to you.
We take reasonable steps to ensure that whenever we collect, use or disclose personal information it is accurate, complete, and up to date.
Transfer of information overseas
We may transfer your personal information overseas where it is necessary to provide our service. 
What you are required to do
The insurance laws 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. We can only fully advise you if we have all your relevant information.
If you provide us with personal information about other individuals, we rely on you to have made then aware that you will or may provide their information to us, the purpose for which we use it, the types of third parties we disclose it to and how they can access it (as described in this document). If it is sensitive information we rely on you to have obtained their consent to the above. If you have not done these things, you must tell us before you provide the relevant information.
Security of your personal information
We may store your personal information electronically or in hard copy. We endeavour to protect it from misuse and loss, and from unauthorised access, modification and disclosure
We maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain computer and network security, for example we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems.
Opting Out
If we send you any information about services or products which you do not wish to receive, or you do not want us to disclose your personal information to any other organisation you can opt out by contacting us at:-
McCluskey Insurance Brokers Pty Ltd
362 King Street,
PO Box 802
Newcastle NSW 2300
Phone: 02-49296113
Fax: 02-49296660
If you wish to gain access to your personal information, or you want us to correct or update it, or you have a complaint about a breach of your privacy, or any other query relating to our Privacy Policy, contact our Privacy Officer during business hours.
No fee will be charged by McCluskey Insurance Brokers for an access request. However, we may charge the reasonable cost of complying with the access request.
We will respond to your query or complaint as soon as possible and will try to resolve any complaint within 14 working days. If this is not possible, we will contact you within that time to let you know how long we estimate that it will take to resolve your complaint. Any unresolved complaints should be referred to the Privacy Commissioner:-
Office of the Federal Privacy Commissioner
Privacy Hotline 1300 363 992
GPO Box 5218, Sydney 2001