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 (www.vero.com.au including its related domains and pages such as cpdirect.vero.com.au 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.
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). If you obtain a quote, purchase insurance or administer your insurance on our Main Site, your transaction will be conducted over a secure internet connection - see term 26.3 for details.
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”).
1.5 Vero owns and operates the Main Site. Our Online Sites include all web pages under or forming part of the domain name vero.com.au.
1.7 As Vero’s Online Sites develop and as technology evolves, Vero will continue to strive to provide you with 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, 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 and insurance transactions regulated by these Online Terms
4.1 Main Site content
The Vero Main Site contains both information of a general nature about Vero and Vero’s products and services, and also enables you to purchase and pay for some insurance products and services online.
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. 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 at any time without notice and without giving any reason.
4.2 Completing transactions on the Main Site
4.2.1 When entering into a transaction via the Main Site the transaction will not be completed until an “Electronic Instruction” (being any electronic instruction, information, message, request or communication issued or transmitted to Vero via the Main Site) containing the acceptance from you to Vero’s offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by Vero, and any specific steps or requirements as set out in this term 4, have been complied with.
4.2.2 You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction, may not be received by Vero in accordance with this term 4 for reasons beyond either parties’ reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.
4.2.3 You further acknowledge that, to the extent permitted by law, Vero is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.
4.3 Purchasing insurance policies
4.3.1 Where the Main Site enables you to purchase insurance products or services online:
- the parties may enter into an insurance policy using the Main Site by Vero making an electronic offer via the Main Site and you electronically communicating your acceptance of that offer via the Main Site to Vero;
- Vero may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you; and
- Vero may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.
4.3.2 When entering into a contract via the Main Site, you will be taken to have communicated your acceptance to an offer of insurance from Vero only when:
- the Electronic Instruction containing the acceptance from you enters and is recorded in the main Vero database or relevant Suncorp Group database (both collectively referred to in term 4 as "Relevant Database");
- a record is created and stored in the Relevant Database;
- a Vero policy number is generated by the Relevant Database; and
- Vero receives all required details of a current and valid payment card or current and valid financial institution account number (in either case a card/account which you are authorised to use and which is of a card/account type accepted by Vero), and to which Vero is able to charge/debit the premium.
4.3.3 If you elect to pay your premium by instalments or by way of a deferred payment method, the additional terms and conditions applicable to that payment arrangement will be made available to you as part of the online transaction or otherwise as part of our policy documents (whether by way of Product Disclosure Statement, Supplementary Product Disclosure Statement and/or policy schedule), as well any relevant insurance purchase or variation transaction.
4.3.4 A binding insurance contract is conditional on Vero being able to successfully charge against your nominated payment card or debit your financial institution account number, and Vero receiving payment of your applicable premium (either by a single payment or where permitted in instalments).
4.3.5 Where a transaction is entered into between Vero and you via the Main Site, a policy number will be issued by Vero via the Main Site. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number but is conditional upon Vero receiving your premium payment or your current and valid payment card (or financial institution account number) details and a valid policy commencement date election. Therefore, the failure by you to receive a policy number via the Main Site does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Main Site.
4.3.6 Vero may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on Vero issuing, or you receiving, a paper confirmation of the transaction.
4.3.7 You are responsible for ensuring that you receive a policy number and should contact Vero if one is not received.
4.4 Renewal payments
4.4.1 The Main Site may offer an online facility for renewal payment of certain Vero insurance policies with selected payment cards.
4.4.2 The policy renewal notice will indicate whether online renewal payment is available.
4.4.3 When the renewal payment facility is available, an online renewal payment can be made by following the online instructions on the Main Site.
4.4.4 When making a payment for a policy renewal via the Main Site, you will be taken to have renewed that policy only when:
- the Electronic Instruction containing the policy number, premium amount due and payment card details, and an instruction from you to renew the policy, enters and is recorded in the Relevant Database;
- Vero receives all required details of a current and valid payment card which you are authorised to use, which is of a payment card type accepted by Vero, and to which Vero is able to charge the premium;
- a record is created and stored in the Relevant Database;
- a Vero receipt number is generated by the Relevant Database; and
- the Relevant Database is updated with information from the payment database.
4.4.5 A binding insurance contract is conditional on Vero being able to successfully charge against your nominated payment card and Vero receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments).
4.4.6 Vero, at its discretion, may or may not issue a paper confirmation of the renewal payment. The existence of a valid payment is not conditional on Vero issuing, or you receiving, a paper confirmation of the transaction.
5. Vero’s Main Site: payments
5.1 All payments for any permitted insurance transactions via the Main Site must be paid in full by clear funds by the due date specified in the relevant confirmation.
5.2 All payments referred to in term 5.1 above are to be made by permitted payment cards (or permitted financial institution account debits, as relevant) at the time of the relevant transaction in relation to the applicable Vero policy or service.
In the case of a payment card transaction, you must therefore provide to Vero details of your permitted current and valid payment card, including:
- payment card type;
- name on payment card;
- payment card number;
- card verification value (CVV); and
- expiry date.
In the case of a financial institution account debit, you must provide to Vero details of your permitted current and valid financial institution account, including:
- the name of your financial institution;
- the full name of the account holder; and
- the account number and its BSB number (bank/state/branch number).
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.
7. Vero’s standard terms and acceptance criteria apply
All enquiries or applications for insurance (including variations of cover) or other products made via any of our Online Sites are subject to and must comply with Vero’s normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the Vero’s insurance products are set out in either Product Disclosure Statement (PDS) or policy wordings, depending on the nature of the insurance cover. Refer to the applicable PDS or policy wording before making a decision to purchase, hold or cancel a Vero insurance policy. The Target Market Determination is also available. Vero reserves the right to reduce or deny any claim you make under a Vero policy and/or cancel the policy, if the information you provide us is not honest and complete. If any Vero product requires that you comply with a duty of disclosure, Vero will inform you of this in the application/sale transaction and this will be made clear in the relevant Product Disclosure Statement, policy wording or policy schedule. Vero reserves the right to reduce or deny any claim you make under an applicable Vero policy and/or cancel the applicable policy, if the duty of disclosure has not been complied with.
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.
Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, 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. All information is subject to change without notice. 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. All terms implied by law, except those that cannot be lawfully excluded, are excluded.
10. Limitation of liability
Subject to any responsibilities implied by law and which cannot be excluded, Vero, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an 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.
You indemnify Vero (and any of its related bodies corporate) in respect of any liability incurred by Vero (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by Vero (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites.
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 (of 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):
- 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;
- 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;
- 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;
- (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;
- take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
- 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
- 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. No use of any Online Site for unrelated persons
You must only use our Online Sites (as permitted by their design) to:
- obtain insurance quotes;
- obtain other information relating to the price of insurance cover from Vero;
- conduct legitimate insurance related transactions or queries;
in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.
You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from Vero or conduct insurance-related transactions or queries.
You also agree to indemnify Vero in respect of any liability incurred by Vero for any loss, cost, damage or expense, howsoever caused, suffered by Vero as a result of your breach of this term 15.
16. Third party providers
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.
18.1 Termination of these Online Terms
Unless otherwise stated in this term 18, these Online Terms and/or your access to our Online Site(s) may be terminated at any time by Vero. 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.
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 email@example.com
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 IDR@vero.com.au or on 1300 264 470 (for personal insurance) or 1300 044 510 (for travel insurance).
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. 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
23.2 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 publically 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.
26.2.8 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 (128-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.
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 firstname.lastname@example.org
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.
30.1 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.
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 14 March 2018.