Vero Insurance Online Terms of Use & Privacy Statement

Vero Insurance is a member of the Suncorp Group. Read the Suncorp Group Privacy Policy.

In short referred to as Vero Insurance’s "Online Terms”.

Read these Online Terms to understand how Vero Insurance:

  • operates and regulates its online site including its social media sites;
  • operates online insurance transactions (but not those governed by the ‘Single ID (SID)’ system); and
  • handles your personal information when you interact with us online (see terms 23 to 31).

1. About Vero Insurance’s online sites

1.1 AAI Limited (ABN 48 005 297 807) trading as Vero Insurance (“Vero”, “we” or “us”) operates Vero online sites (“Online Site(s)”), including our:

1.1.1 main website ( including its related domains and pages such as but not any service or function governed by the Single ID (SID) system) (“Main Site”);

1.1.2 social media site(s) (“Social Media Site(s)”) as operated from time to time.

For the avoidance of doubt, any reference to an Online Site in these Online Terms does not include a reference to any service or function governed by the Single ID (SID) system. That system operates under its own terms of use.

When providing financial services in Australia Vero acts as the issuer of commercial and domestic insurance products and holds Australian Financial Services Licence no. 230859.

Please be aware that certain parts of our Main Site may additionally function as a Social Media Site. By this we mean that the information and content you submit to a social media section of our Main Site will be freely visible to other website users. Any social media sections of our Main Site will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by Vero in accordance with terms 8 and 26, and otherwise in accordance with these Online Terms (as relevant).

1.2 Vero may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand (“Suncorp Group”).

1.3 Our Online Site (including any sub-pages, related transactional domains and pages, or other Vero-branded online pages which include an authorised link to an Online Site) may include product advertising, services, information, text, graphics, materials, social media forums, applications, functions and promotions, unless disclaimed otherwise or where not permitted by law or by an online host site’s rules (“Site Content”). Use of any of our Online Sites, including any Site Content, is governed by these Online Terms, together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at See terms 23 to 31 below for how Vero handles any personal information it collects as a result of interactions with our Online Sites.

1.4 In addition to these Online Terms, other terms of use or conditions may apply to use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. One such example is the Single ID (SID) system. If such additional terms of use or conditions apply, we will bring them to your attention and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on one or more of our Online Sites, the relevant terms and conditions for entry into that promotion will additionally apply. Should any term within these Online Terms conflict with additional or promotional terms and conditions, the latter will prevail to the extent of the conflict.

1.5 Vero owns and operates the Main Site. Our Online Sites include all web pages under or forming part of the domain name

1.6 As part your use of our Online Sites or Site Content you may need to agree to the terms of use of a website or application that is owned and/or hosted by one or more third party providers. If any term within these Online Terms should conflict with any third party’s terms of use, the latter will prevail to the extent of the conflict insofar as your use or access to that third party site or third party application is concerned.

1.7 As Vero’s Online Sites develop and as technology evolves, Vero will continue to strive to provide better online services. Vero encourages you to review these Online Terms as they will be updated from time to time.

2. Links to other websites

2.1 An Online Site may contain links to other websites (including other social media websites) or applications which are owned or operated by third parties independent of Vero (“Third Party Sites”). Vero does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites (“Third Party Material”).

2.2 An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of Vero (“Third Party Offers”). Vero does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.

2.3 Subject to any applicable law which cannot be excluded (including the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), Vero makes no warranties or representations:

2.3.1 regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or

2.3.2 that Third Party Material does not infringe the intellectual property rights of any person.

2.4 Vero is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.

2.5 When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.

3. Your privacy

3.1 Your privacy and security is important to Vero. Read terms 23 to 31 for information (the 'Privacy Statement' component) about how Vero handles the information you provide it when you use one of our Online Sites.

4. Vero’s Main Site: product information regulated by these Online Terms

4.1 Main Site content

The Vero Main Site contains information of a general nature about Vero and Vero’s products and services.

This term 4 does not apply to transactions governed by the Single ID (SID) system.

Certain areas of the Main Site are accessible only through the use of user identification and passwords. If you are, or have been assigned a user identification and password for access to these restricted areas, you are responsible for maintaining the security and confidentiality of your password and the information contained in the restricted areas. Whereby your login is used with your consent, or you failed to take reasonable precautions to protect these details, you are responsible for all activities undertaken using your user identification and password. If you are no longer eligible or no longer entitled to use your identification and password allocated to you, your access shall be immediately revoked. You must immediately notify us should this occur. We may revoke your access without notice in instances where we reasonably suspect your account has been compromised or associated with fraudulent activity.

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6. Valuation tools, calculators, games and other features

6.1 Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which may assist you in calculating such things as the optimal insurance policy, premium or level of excess. Our Online Sites may also contain other useful information, such as information about the insurance industry.

6.2 Whilst Vero has undertaken reasonable steps to ensure that any such features or information as described in term 6.1 are accurate and free from defect, Vero does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

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8. Social media content you submit to our Social Media Sites

8.1 When a user of any of our Social Media Sites (“Social Media Site User”) submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise (“Social Media Site User Content”), the Social Media Site User, unless Vero advises otherwise , licenses and grants Vero, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. Vero qualifies this term 8.1 by stating that any recruitment application or related correspondence, which is not provided by way of an open public forum or other public process, will be treated by Vero in accordance with the Privacy Statement component of these Online Terms, which begins at term 23.

8.2 Users agree that they are fully responsible for the Social Media Site User Content they submit. Vero shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. Vero may screen and/or remove and/or request that the third party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a ‘guerrilla marketing’ attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.

8.3 Without limiting any other terms herein, the Social Media Site User agrees to indemnify Vero (and any of its related bodies corporate) for any loss or expense Vero and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.

8.4 Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 8 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including Vero or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify Vero (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.

9. Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, subject to any applicable law which cannot be excluded (including warranties under the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), Vero does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites.

Vero does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. 

10. Limitation of liability

Subject to any rights you may have under any applicable law (including the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss arising out of or referable to any Site Content, Third Party Material, third party services, or to access (or lack of access) to our Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

11. Indemnity

You indemnify us (and any of our related bodies corporate) against any loss, cost, damage, expense and liability suffered or incurred by us (or any of our related bodies corporate) as a result of your breach of these Online Terms, except to the extent caused or contributed to by our negligence.

12. No advice

No Online Site purports to provide you with financial product or investment advice of any kind. The information available via an Online Site does not take account of your particular financial or insurance position or requirements. Vero suggests that you seek independent advice before acting upon any Site Content or any information found on a Third Party Site.

13. Availability of an Online Site

13.1 Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an “as is” and “as available” basis only.

13.2 Vero may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, Vero may withdraw an Online Site (or part thereof) at any time and without notice to you.

13.3 Any cost associated with accessing an Online Site is the user’s responsibility and is dependent on the internet or telecommunications service provider used.

14. Restrictions on use of an Online Site

The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers, or their legitimate representatives, only. By accessing, viewing or otherwise using any of Vero’s Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 15.

You agree that you will not (either yourself or through any third party):

  1. use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without Vero's prior written permission;
  2. use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
  3. use any information on or accessed through any of our Online Sites for any commercial purpose(including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
  4. (d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
  5. take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
  6. reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
  7. copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without Vero's prior written permission.

15. Permitted use of Online Sites

You must only use our Online Sites (as permitted by their design) to:

  1. conduct legitimate insurance related queries;

16. Third party providers

Parts of our Online Sites, or the provision of payment processing or other services offered via our Online Sites, may be outsourced to third party providers. These Online Terms apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

17. Copyright and trademarks

17.1 Copyright in the Material on an Online Site is owned or licensed by Vero.

17.2 Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of Vero.

17.3 Vero and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. “Vero” is a registered trademark of AAI Ltd.

17.4 Third party trademarks are trademarks of the respective third parties.

18. Termination

18.1 Termination of these Online Terms

Unless otherwise stated in this term 18, your access to our Online Site(s) may be terminated at any time by Vero for breach of these Online Terms or where we reasonably suspect fraudulent activity. You may terminate your use of our Online Sites at anytime. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of Vero, will survive any termination. Upon termination you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).

18.2 Prohibition on access post termination

Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.

19. Acceptance of and changes to these Online Terms

19.1 You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.

19.2 You accept that Vero has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms. We won’t change the terms while you are on an Online Site, but each time you attend the Online Site you agree to the Online Terms afresh.

20. Vero’s complaints resolution process

20.1 If you are dissatisfied with your dealings with Vero in relation to your use of an Online Site please let us know by emailing us at

20.2 We will review your email and contact you with a reply or to ask you for further information, if it’s required. If you make a complaint and it is about a Vero insurance policy or insurance claim, you may have additional rights of appeal, such as under Vero's formal dispute resolution process. We will tell you if that is the case. See the relevant PDS or policy wording for information about how Vero resolves complaints. Vero’s dispute resolution team can be contacted at or on 1300 264 470 (for personal insurance).

21. General

21.1 An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any insurance product), promotions or offers.

21.2 Vero only offers its insurance products for sale within Australia by authorised insurance brokers. Some Vero products or services may only be offered for sale or serviced in specific states or territories.

21.3 The law applicable to an Online Site (including Vero’s operation of any Social Media Site), and to any complaints arising from an Online Site is the law of the State of Queensland, Australia. By using any of our Online Sites you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia, unless the complaint relates to an insurance contract in which case relevant state or federal law will apply. By using any of our Online Sites, and except for an insurance contract dispute, you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.

21.4 Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

21.5 You may not rely on the words or conduct of Vero as a waiver of any right unless the waiver is in writing. In this term “conduct” includes delay in the exercise of any right. “Right” means any right of Vero arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

22. Linking to any of our Online Sites

Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact Vero if you would like to link to any part of our Online Site(s). Only written permission from Vero will constitute authorisation of a link.

23. Our Online Terms Privacy Statement starts here

23.1 By using an Online Site you accept that any personal information Vero collects about you will be handled according to terms 23 to 31 of these Online Terms. These Online Terms should be read together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at and, if applicable, any service or product specific Vero privacy statement.

23.2 These Online Terms explain Vero’s policy for handling personal information which you may provide to us as you access and/or use an Online Site. Vero encourages you to review these Online Terms periodically as they may be updated from time to time.

23.3 In addition to the provisions of these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a Vero Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.

24. Your Security and Privacy

24.1 Vero understands that you, as a visitor or user of an Online Site, are concerned about the security and privacy of information we may gain about you online. Vero is committed to respecting your privacy and, at all times, complies with its obligations under Australian privacy law.

24.2 Vero values the personal information you provide us and will take reasonable precautions to prevent unauthorised access to that information.

24.3 Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 8 and 26 for further information about the public display of your content.

24.4 Vero’s Main Site uses the services of the firm Site Catalyst to monitor website use. Site Catalyst does not collect any personal information while you use our site(s) and the reports it provides to Vero are of aggregated information only. These reports help Vero to maintain, administer and improve these sites.

25. Sending electronic messages to Vero

25.1 Unless otherwise stated, when you send Vero an electronic message (whether email or otherwise), the content of your message and any email or machine address is retained by us for only as long as it takes to respond to your inquiry or provide you with what you’ve requested, unless you provide us with your permission to retain that information for longer or where we believe there is a legal reason to retain the information for a longer period.

25.2 Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by Vero publicly in accordance with terms 8, 24 and 26. Your information may also be retained by Vero where we believe there is a legal reason to retain it for a longer period.

26. Information collected and how we use it

26.1 General Information

26.1.1 The information we will collect about you will depend on how you use an Online Site.

26.1.2 If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.

26.1.3 An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.

26.2 Personal information submitted to an Online Site

26.2.1 When a user of an Online Site (“Online Site User”), including any Social Media Site User referred to in term 8 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise (“Online Site User Content”) (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), the Online Site User consents to that personal information being collected by Vero and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.

26.2.2 We collect your personal information and use it for the purposes of identifying you, establishing your requirements and providing products or services, setting up and managing our products and services, assessing and managing a claim and understanding your needs and improving our products and services through research, product development and training.

26.2.3 Vero is part of the Suncorp Group and we disclose your personal information to all related companies within this Group. The other Suncorp Group companies use and disclose your personal information for the purposes described above in relation to any products and services they may provide to them. Other companies in the Suncorp Group may also use your personal information for the purposes of providing products and services to other customers, (but will not disclose your personal information to any other customer without your consent).

26.2.4 We may disclose your personal information to and/or collect your personal information from other companies within the Group; any joint ventures where authorised or required; information technology providers, such as hardware/software vendors and programmers; customer or market research organisations; intermediaries such as your agent, adviser, broker, a representative acting on your behalf, other Australian Financial Services Licensees, or our own authorised representatives and agents; policy holders, where you are an insured person, but not the policy holder; government, law enforcement or statutory bodies; Australian Financial Complaints Authority; other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers, and investigative service providers; in the case of a relationship with a corporate partner such as a bank or credit union, the corporate partner and any new incoming insurer; legal, accounting, finance and other professional advisers hospitals, medical and health professionals; administration or business management services; printers, mail service and delivery providers and imaging and document management services.

26.2.5 In the case of personal information which is provided to Vero for public display by a Social Media Site User (this includes any ‘tweet’ you send to Vero on Twitter, which we may “re-tweet” to other Twitter users), Vero may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 8 for what other uses and/or disclosures Vero may make of a Social Media Site User’s personal information and what limits it imposes.

26.2.6 Vero may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require Vero to disclose an Online Site User’s personal information to one or more third parties, including but not limited to agents or external service providers.

26.2.7 If you are using an Online Site such that you are submitting your personal information, you should also first read and understand any separate privacy policy or policies that may apply to your use of any social media website that hosts our Online Site or is connected to any special function or promotion that you are entering. Vero is not responsible to you for the information handling practices of any such third party, including any host website or service provider.

26.2.8 Where practical we will collect your personal information directly from you. Generally, we may collect personal information about you when you deal with us by email, letter, phone, in person at vehicle repair centre or other location.

26.3 Security of personal information submitted to our Main Site

26.3.1 All personal information you provide to our Main Site over the internet while inquiring about our products or obtaining an insurance quotation, or entering a promotion (as relevant) is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). Vero uses the strongest form of SSL encryption (256-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to Vero while it is in transit over the internet. Once your personal information has been received at our Main Site, we take all reasonable precautions to securely pass that information to the Vero mainframe computer or to another member of the Suncorp Group on behalf of Vero, or in the case of a promotion, to our secure promotion database. These mainframe computers are not directly accessible through the internet, nor is our promotion database. No details you provide to us are stored on a web server.

26.3.2 When you make an online payment on one of our Online Sites your payment card number will be passed in a secure manner between our Online Site and one or more third party providers, such as the issuer of your payment card. Your payment card number will be recorded in a mainframe computer operated by Vero or by another member of the Suncorp Group on behalf of Vero. If your payment card number is stored it will only be for Vero or financial institution record keeping purposes (or otherwise as required by law).

26.4 Personal Information submitted to Vero for recruitment purposes

26.4.1 As part of our recruitment process, we will gather information on your background, including personal information that you include on your application or resume, such as your name, mailing address, telephone number, email address, career history, details of any competency tests or other information relating to your career.

26.4.2 In some circumstances, we may also collect sensitive information about you such as information about your membership of a professional or trade association or trade union; security clearance or any criminal record(s) or charges you may have had filed against you. When we need to collect this type of information, we will obtain your consent. If it is provided to us by way of your initial application, then your consent for us collecting it will be inferred.

26.4.3 There may be occasions when we obtain personal information about you from a third party; for example, when receiving the results of a psychological or competency test or assessment centre results. When we need to collect this type of information, we will obtain your consent prior to you taking part in the exercise.

26.4.4 In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.

26.4.5 Please be aware, if you do not provide Vero with the information we require, we may be limited in our ability to consider you for employment.

26.4.6 Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with Vero.

26.4.7 Should Vero engage/employ third party contractors or vendors to perform recruitment services for us, which involve handling your personal information, we will take reasonable steps to prohibit these parties from using your personal information except for the purposes for which it was supplied.

26.4.8 In instances where Vero engages a third party recruitment agency to assist with our recruitment efforts, we will ensure that their privacy policy commitments compliment ours.

27. Entering a promotion via an Online Site: collection and use of information

27.1 If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.

27.2 If a promotion's terms and conditions include opting into the promoter's marketing communications, you can change your mind and unsubscribe (subject to any specific restrictions for the relevant promotion) by contacting the promoter on the contact details provided in their promotional terms.

28. Your privacy rights and complaint resolution

28.1 If Vero has collected your personal information through your use of an Online Site, then you have a right to access, update or correct that personal information, with some limitations as permitted by Australian law. You also have the right to make a complaint about your privacy. You should direct any information access or correction request or privacy concern relating to your use of an Online Site to Vero at first instance to

28.2 We will review your correspondence or request and contact you with a reply or to ask you for further information, if it’s required. We respect your legal right to access and correct your personal information and will respond to your request within a reasonable time. We will ordinarily not charge you a fee to access your personal information, however in some circumstances we may elect to charge you a reasonable fee for access, as permitted by law.

28.3 If you make a complaint about your privacy you may have additional rights of appeal, such as under Vero’s formal dispute resolution process. We will tell you if that is the case.

29. Third Party Sites (including third party social media sites)

Our Online Sites may contain links to Third Party Sites (see term 2.1). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.

30. Cookies

30.1 Our Online Sites use “cookies” as a fundamental part of their interaction with your internet browser. Cookies enable Vero to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by Vero's website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

30.2 Cookies are used by Vero on its Main Site to enable the online insurance quotation and purchase processes. Most of the Main Site operates by use of cookies. Therefore, if you wish to make full use of the Main Site, or any of our other Online Sites, it is recommended that you accept cookies. Cookies may also be used to record non-personalised information such as the date, time or duration of your visit, or the pages accessed, for Online Site administration, statistical and maintenance purposes. Any such information will be aggregated and not attributed to individual users.

30.3 Third Party Sites such as social media sites which host our Social Media Sites may also use cookies. You should refer to their respective terms or use and privacy policies for details.

31. The personal information of other people

31.1 You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to Vero via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to Vero, please exercise caution and DO NOT provide it to us.

These Online Terms are dated 9 November 2023.

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