PRIVACY POLICY

 

R&M Insurance Brokers Pty Ltd
ABN:  66 078 702 977
Australian Financial Services License: 239233 

Effective Date: 12 June 2025
Last Updated: 12 June 2025 

1. About This Privacy Policy

R & M Insurance Brokers Pty Ltd (“R&M”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), the Spam Act 2003 (Cth), and the Insurance Brokers Code of Practice. It also aligns with guidance from Australian Securities and Investment Commission (ASIC), Australian Financial Complaints Authority (AFCA), Office of the Australian Information Commissioner (OAIC), and data protection best practices for online advertising platforms 

By using our website or our services, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy. 

 

2. Who We Are

R & M Insurance Brokers Pty Ltd is an authorised provider of general insurance broking services. We are licensed under the Australian Financial Services Licence (AFSL No. 239233). For more information about our services, please refer to our Financial Services Guide (FSG). 

 

3. What Personal Information We Collect

We may collect the following types of personal information: 

• Name, business name, position title 

• Email address and phone number 

• Business location and mailing address 

• Details relevant to the insurance policy you are requesting, including business activities, coverage requirements, and prior claims 

• IP address, browser type, and user activity on our website (via Google Analytics and HubSpot cookies) 

We may also collect sensitive information (e.g., health or criminal history) only where required for a specific insurance policy and only with your explicit consent or where required by law. 

If we record calls for compliance or training purposes, we will notify you at the start of the call. 

 

4. How We Collect Information

We collect your personal information: 

• When you complete our website enquiry form 

• When you request a quote or contact us via phone, email, or social media 

• When you interact with our advertisements (e.g., Google Ads) 

• Through cookies and analytics tools when you visit our website 

 

5. Why We Collect Your Information

We collect, use, and disclose your personal information for the following purposes: 

• To respond to your enquiries and provide tailored insurance quotations 

• To source quotes from insurers and underwriters on your behalf 

• To manage your policies, claims, and renewals 

• To improve our services, website performance, and user experience 

• To deliver customer service and operational support 

• To provide updates and marketing communications (with your consent) 

• To comply with our legal, regulatory, and contractual obligations 

 

6. Disclosure of Personal Information

We may disclose your information to: 

• Insurers, underwriting agencies, premium funders, and their representatives 

• Our service providers (e.g., HubSpot CRM, Google Ads, IT support, email platforms) 

• Government regulators or legal authorities where required 

• Contractors or consultants assisting with security, compliance, and data analysis 

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. 

 

7. Cross-Border Disclosure

Some of the third-party service providers we use (e.g., HubSpot, Google) may store or process your information in countries such as the United States or the European Union. When we disclose personal information overseas, we take reasonable steps to ensure the overseas recipient handles your information in accordance with Australian privacy laws. This may include contractual arrangements requiring compliance with privacy standards equivalent to those in Australia. 

 

8. Direct Marketing

We may use your personal information to send you relevant updates, newsletters, and promotional offers. You will only receive such marketing if: 

• You provided express consent at the time of enquiry; or 

• You have an ongoing client relationship and the marketing is relevant to your original enquiry or policy. 

You may opt out of marketing communications at any time by: 

• Clicking the “unsubscribe” link in our emails; or 

• Contacting us directly at enquiries@rminsurancebrokers.com.au 

We comply with all relevant obligations under APP 7 and the Spam Act 2003 (Cth). 

 

9. Data Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, or disclosure, including: 

• Securely hosting our website with HTTPS encryption 

• Implementing firewalls, anti-malware, and data access controls 

• Limiting access to authorised personnel only (with 2FA and password policies) 

• Regularly auditing our data handling and system security 

 

10. Data Retention

We retain your personal information only as long as necessary to: 

• Provide and manage our services to you 

• Meet regulatory recordkeeping obligations 

• Comply with dispute resolution timeframes 

When no longer required, we securely delete or de-identify your information. 

 

11. Your Rights

You have the right to: 

• Request access to the personal information we hold about you 

• Request correction if you believe it is inaccurate, outdated, or incomplete 

• Withdraw your marketing consent at any time 

• Make a complaint if you believe your privacy has been breached 

 

12. Complaints & Dispute Resolution

If you believe your privacy rights have been breached, you may lodge a complaint: 

How to contact us: 

• Email: enquiries@rminsurancebrokers.com.au 

• Phone: 02 4962 4888 

• Postal: PO Box 2125, Dangar, NSW, 2309 

Our process: 

• We will acknowledge receipt within 5 business days 

• We aim to resolve complaints within 30 days; we’ll keep you informed of progress 

• We’ll provide a final response and proposed resolution in line with the Insurance Brokers Code of Practice   

Escalating your complaint: If you are not satisfied with our response, you may contact: 

• Australian Financial Complaints Authority (AFCA) 

• Website: www.afca.org.au 

• Phone: 1800 931 678 

• Email: info@afca.org.au 

• Office of the Australian Information Commissioner (OAIC) 

• Website: www.oaic.gov.au 

 

12. Notifiable Data Breaches

In the event of a data breach likely to cause serious harm, we will notify affected individuals and the OAIC as required under the Notifiable Data Breaches Scheme. 

 

13. Use of Cookies and Analytics

We use cookies and similar technologies on our website to: 

• Analyse traffic and improve performance (via Google Analytics) 

• Enhance advertising relevance and remarketing (via Google Ads and HubSpot) 

• Remember your settings or form inputs 

By continuing to use our site, you consent to our use of cookies as described in this policy. You can manage your cookie preferences via your browser settings. 

 

14. Insurance Brokers Code of Practice

We are a subscriber to the Insurance Brokers Code of Practice, which sets out standards for ethical conduct, transparency, and client care. For more information, visit www.niba.com.au. 

15. Additional Information

As a licensed financial services provider (AFSL No. 239233), R & M Insurance Brokers Pty Ltd is also subject to obligations under: 

• The Corporations Act 2001 (Cth) 

• Australian Securities and Investment Commission (ASIC) regulations 

• The National Insurance Brokers Association (NIBA) Code 

• Australian Financial Complaints Authority (AFCA)  

These obligations include duties to act efficiently, honestly, and fairly, and to maintain appropriate client confidentiality and data handling practices. 

 

16. Contact Us

Privacy Officer
R & M Insurance Brokers Pty Ltd
enquiries@rminsurancebrokers.com.au
02 4962 4888
www.rminsurancebrokers.com.au 

 

This Privacy Policy should be read in conjunction with our Terms and Conditions and Financial Services Guide.