Privacy

Effective: 23/05/2025
At Australian Owner Builders Insurance Services Pty Ltd (AOBIS) and its wholly owned subsidiaries (ABN 95 122 431 654 | AFSL 308705), your privacy and the protection of personal information is a priority. This includes your own data and that of your clients. We are committed to handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Who Are We?
We are AOBIS, an underwriting agency specialising in insurance solutions for owner builders. For more about our services, visit www.aobis.com.au.
We are committed to:

• Collecting only the information necessary for our functions and activities.
• Using and disclosing personal information only for permitted purposes.
• Taking reasonable steps to keep personal information secure and up to date.
• Giving individuals access to their personal information upon request.

If you believe we have not met our obligations under this policy or the Privacy Act, you may lodge a complaint. Visit our website or call 1300 850 131 to learn more about our complaints process.

How We Collect Personal Information

We may collect personal information directly from you or through your broker, agent, or other third parties (e.g. insurers, claims handlers). Information may be collected via:

• Online forms and web interactions;
• Telephone, email, or written correspondence;
• Proposal or claim forms;
• Other authorised parties acting on your behalf.

We will inform you of:

• Why we are collecting the information;
• Who we may disclose it to;
• Whether collection is required by law;
• The consequences of not providing it.

Use and Disclosure of Personal Information

We collect, use, and disclose personal information for purposes such as:

• Providing insurance products and services;
• Assessing and managing claims;
• Meeting legal and regulatory obligations;
• Administering our ongoing relationship with you;
• Internal reporting, auditing, and training.

We may share personal information with:

• Insurance brokers, agents, underwriters, and claims handlers;
• Reinsurers and reinsurance brokers;
• Legal and professional advisers;
• Government agencies or dispute resolution schemes (e.g. AFCA);
• IT service providers and cloud storage providers.

We may disclose your information overseas where necessary (e.g. for reinsurance), subject to privacy safeguards.

Direct Marketing

We may use your personal information to let you know about products or services that may be of interest to you. You may opt out at any time by contacting us or using the unsubscribe link in electronic communications. We do not sell personal information or use purchased contact lists.

Security of Your Information

We store personal information using a combination of physical and electronic security measures and take reasonable steps to protect it from misuse, interference, loss, unauthorised access, modification or disclosure.

Access and Correction

You have the right to access and correct personal information we hold about you. To request access or a correction:

• Email: underwriter@aobis.com.au
• Phone: 1300 850 131
• Mail: 5-7 Peninsula Blvd, Seaford, VIC 3198

There may be a small fee for accessing certain information, but you’ll be advised before any costs are incurred.

Contact Us

If you have any concerns about your privacy, would like more information about our privacy practices, or wish to make a complaint, please contact:

Privacy Officer – AOBIS

1300 850 131
underwriter@aobis.com.au
5–7 Peninsula Blvd, Seaford VIC 3198

Spam Policy

Australian Owner Builder Insurance Services (AOBIS) is committed to complying with its obligations under the Spam Act 2003 (Cth), at all times.

AOBIS assures you that:

• AOBIS has crafted an internal policy to educate its staff on the legislation and implement clear guidelines and rules in relation to the dissemination of commercial electronic messages;
• AOBIS will not send you any unsolicited commercial electronic messages without your consent;
• You are at liberty to unsubscribe from any mailing list to which you have previously subscribed. If for any reason there appears to be no facility to end your subscription, please send us an email to underwriter@aobis.com.au advising of your wish to unsubscribe, or you may call 1300 850 131 and request to speak to our Administrator; and
• AOBIS promises not to use address-harvesting software in any circumstances.

To assist AOBIS to combat Spam we kindly request your assistance with the following:

• If you receive an offensive message, which appears to originate from a AOBIS email address, please assume that it has been sent in error and notify us immediately on the above noted contact details;
• Please ensure that you unsubscribe from any of AOBIS ’s mailing lists if you decide you no longer wish to receive commercial messages from Australian Owner Builder; and
• If you do subscribe to AOBIS ‘s mailing lists, please ensure that we have your current details at all times, by updating us on any change in or cancellation of your email address.

  We appreciate your cooperation.

Family & Domestic Violence Policy Statement

INTRODUCTION
We are committed to the highest standards of compliance with applicable financial and domestic abuse laws and seeks to follow best practice where it is able. This Financial & Domestic Abuse Policy outlines our commitment to victims of financial or domestic abuse and has been endorsed by our Board and Senior Management.

Our Financial & Domestic Violence Policy is maintained and reviewed regularly by senior management. Senior management will also communicate the content of the Financial & Domestic Abuse Policy to staff and will ensure there is appropriate training and monitoring of compliance.

References to “you” in this Policy Statement means you as a policyholder, director, employee or other insured person or insured under a policy arranged or issued by us.

OUR APPROACH

Financial abuse in the context of domestic and family violence (domestic and financial abuse) is a serious and widespread problem affecting people in communities across Australia.

Our purpose is to deliver insurance products that benefit Australians. We recognise that some of our clients may be in vulnerable circumstances.

The Board and senior management receive regular reporting on risks relating to financial and domestic abuse and have ultimate accountability. The purpose of this Policy is to inform all our staff, stakeholders and insureds of the required approach to ensure financial and domestic abuse is not enabled and to protect the interests of victims.

OUR RESPONSIBILITY

Our senior management are responsible for implementing effective Financial & Domestic Abuse procedures, monitoring compliance with those procedures and reporting to the Board. Senior management reports to the Board at least annually and at any such time as a matter of material concern arises (including in respect of any material breach of this Policy).

Our senior management understand the relevant legislation and regulations and have the full support of the Board in carrying out their responsibilities.

Senior management’s responsibilities include:

• Establishing, maintaining and monitoring our financial and domestic abuse procedures.
• Receiving reports of any suspicious activity from within the business or from external stakeholders.
• Establishing and maintaining training for our staff.
• Reporting to the the Board.
• Working with the underwriters to monitor developments in legislation, regulations and practice.
• Escalating incidents and liaising with regulatory and law enforcement bodies where it is appropriate to do so. (Note: there may be times where notifying third parties, including insurers, syndicates and managing agents may not be allowed under applicable legislation).
• Conducting periodic reviews of our compliance with financial relevant legislation.

If you have any queries or concerns regarding any financial or domestic abuse issue you should contact us immediately and request the matter be referred to one of our senior management team.

OUR TRAINING

We believe that it is of critical importance that all our relevant members of staff receive an appropriate level of training on how to assist you in dealing with financial or domestic abuse. We will therefore ensure we provide suitable training. We are supporting our people by:

• Educating our people on how to recognise and address financial or domestic abuse and providing them with the tools and resources necessary to achieve you wherever possible.
• Strengthening our workplace responses and gender equality strategy to support those affected by domestic and financial abuse.
• Engaging our people through volunteering.

OUR PRIVACY

We understand that privacy and confidentiality can be critical to safety in any domestic and family violence situation and will take care to protect your personal information in line with our Privacy Policy.

Depending on your personal circumstances, we can help you:

• Change your personal, policy or login details to help protect the security of your information.
• Please note this may not be appropriate in circumstances where a violent family member is controlling your finances using your details, and any change may be a threat to your safety.
• Change arrangements for anything we may need to send to you. For example, by nominating the mailing address of a trusted family member or PO Box.

OUR ACCESSING SUPPORT AND INFORMATION
There is a large range of support services available to you if you are experiencing domestic and family violence or financial hardship.

Please feel free to contact us at any time for further information on relevant service providers or contact the Health Authority in your state or territory.