Privacy Policy

This Privacy Policy outlines how REDSKY manages personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

We may collect and hold personal information including but not limited to:

· Full name and contactdetails

· Date of birth, gender, occupation

· Employment and income details

· Financial information (bank account, credit card details)

· Insurance policy details, claims history

· Sensitive information (e.g. health data, only with your consent or where authorised by law)

· IP address, browser type, session activity, cookies

We may collect your data:

· Directly from you when you apply for or make a claim under an insurance policy

· Via our website, forms, email or phone correspondence

· From your insurance broker or authorised representative

· From publicly available sources and third-party service providers

We take reasonable steps to notify you when collecting personal information from third parties.

If we receive personal information we did not request, we will determine whether we could have collected it under the Privacy Act. If not, we will destroy or de-identify it if lawful and reasonable to do so.

We may use or disclose your personal information to:

· Assess, administer and manage insurance policies

· Investigate and manage claims

· Prevent or detect fraud and unlawful activity

· Comply with legal or regulatory obligations (e.g. APRA, ASIC)

· Communicate with you

We will not use or disclose your information for any secondary purpose without your consent unless required or authorised by law.

We generally do not disclose personal information overseas. If we do, we will take reasonable steps to ensure the overseas recipient complies with the APPs, or obtain your informed consent.

We may use your information to inform you about our services. You may opt out at any time using the unsubscribe link or by contacting us.

Your data is stored securely in Australian data centres using encryption, access controls, and physical safeguards. We retain personal information for 6 years after it is no longer needed, after which it is securely deleted or de-identified.

We are subject to the Notifiable Data Breaches (NDB) scheme. If a breach is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC).

You have the right to:

· Access your personal data

· Correct inaccurate, incomplete, or outdated information

· Withdraw consent or object to certain processing

· Complain about how we handle your data

We will respond to access or correction requests within 30 days.

We use cookies to enhance your experience on our website. You can choose to disable cookies via your browser settings.

We may update this Privacy Policy from time to time. The latest version will always be published on our website.

If you have questions or would like to exercise your privacy rights, contact us at: 

Email:   privacy@redskyltd.com.au

Tel:        (02) 7239 8859

Post:     526/368 Sussex St Sydney NSW 2000

If you are not satisfied with our response, you may contact the OAIC: Website: www.oaic.gov.au

Phone: 1300 363 992