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Online Terms

Resilium Pty Limited ABN 40 098 080 810, AFSL 232703 (‘Resilum’ ‘we’ or ‘us’) and AAI Limited ABN 48 005 297 807 AFSL 230859 trading as GIO (‘GIO’)are part  of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy.

In short these are referred to as Resilium’s "Online Terms”.

Read these Online Terms to understand how Resilium:

  • operates and regulates its online sites including its social media sites;

  • operates its main website and any mobile website (but not those transactions governed by the ‘Single ID’ (SID) system or the payment microsites ); and

  • handles your personal information when you interact with us online (see terms 22 to 27).

Resilum is the distributor for a number of product issuers and distributes general insurance under both  its own brand Resilium, and other brands. 

  • Resilium distributes the following domestic insurance covers: car insurance, boat insurance, caravan insurance, trailer insurance, home insurance and contents insurance and the following commercial covers: Public Liability insurance, Small Business insurance, Trade insurance, Professionals insurance, Professional Indemnity insurance, Commercial Motor insurance, Fleet Motor insurance, Contract Works and Legal Liability insurance, and Not for Profit Organisation insurance These are branded Resilium and are issued by GIO.  Resilium also distributes workers compensation insurance under the GIO brand, GIO operates as a scheme agent for the New South Wales Workcover Scheme, while in Western Australia, Australian Capital Territory, Tasmania and Northern Territory GIO issues Workers Compensation insurance.
     
  • Resilium distributes heavy motor insurance and farm products under the Resilium brand. Heavy motor insurance products are issued by National Transport Insurance (NTI), an equal partner joint venture of CGU Insurance Ltd ABN 27 004 478 371 AFSL 238291 and AAI Ltd trading as Vero Insurance, ABN 48 005 297 807 AFSL 230859. National Transport Insurance is managed by NTI Ltd ABN 84 000 746 109 AFSL 237246. Farm products are issued by CGU Insurance Ltd (CGU) ABN 27 004 478 371.
  • Resilium also distributes Cover-More branded Travel Insurance, which is administered by Cover-More Insurance Services Pty Ltd, ABN 95 003 114 145, AFSL 241713. The issuer of travel insurance is Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).

Resilium is also the holding company for Resilium Insurance Broking Pty Ltd ABN 92 169 975 973, AFSL  460382 (‘Resilium Insurance Broking’). Resilium Insurance Broking is an insurance brokerage who can arrange insurance products issued by a number of underwriters in circumstances where Resilium’s other products are not suitable. Resilium Insurance Broking operates the microsite linked to this main website that allows you to make payments for products arranged by Resilium Insurance Broking (‘Resilium Insurance Broking Microsite’). The Resilium Insurance Broking Microsite is governed by Resilium Insurance Broking online terms.

Your Resilium adviser can always confirm the issuer of the policy you are interested in. Please read and consider the relevant PDS and policy wording before you make any decisions about any of these products.

These Online Terms only cover the services of Resilium and Resilium Insurance Broking. You are only able to make payments in respect of GIO issued products or products arranged through Resilium Insurance Broking. You are not able to transact, pay for or be issued with any Resilium branded heavy motor insurance, farm insurance or travel insurance via this site.  Please contact your Resilium adviser for information about how to pay for these products.

1. About Resilium’s online sites

1.1 Resilium (operates Resilium online sites (Online Site(s)), including our:

1.1.1    main website (resilium.com.au including its related domains and pages) (Main Site);

1.1.2    mobile device site (m.resilium.com.au) (Mobile Site) which for the purposes of these online terms forms part of the Main Site; and

1.1.3    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, or Resilium Insurance Broking online terms or GIO’s online terms. Those system(s) operate under their own terms of use.

Please be aware that certain parts of our Main Site and/or Mobile 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 and/or Mobile Site will be freely visible to other website users. Any social media sections of our Main Site and/or Mobile 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 Resilium in accordance with terms 7 and 25, and otherwise in accordance with these Online Terms (as relevant).  Otherwise as governed by the SID system, if you transact on our Main Site or our Mobile Site, your transaction will be conducted over a secure internet connection - see term 25.3 for details.

1.2 Resilium 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 Resilium-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). Your use of any of our Online Sites, including any Site Content, is governed by these Online Terms.

1.4 In addition to these Online Terms, other terms of use or conditions may apply to your 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, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with a promotion’s terms and conditions, the latter will prevail to the extent of the conflict.

1.5 Resilium owns and operates the Main Site and the Mobile Site (which forms part of the Main Site). These Online Sites include all web pages under or forming part of the domain name resilium.com.au and m.resilium.com.au (as relevant). Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. Resilium disclaims that our Mobile Site may not operate (or may not operate fully) on some types of portable electronic devices. If you experience difficulty in accessing or using our Mobile Site, you should access our Main Site (resilium.com.au) using a modern web browser on a personal computer with a screen diameter or 10 inches or greater.

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

2. Links to other third party websites or applications

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 Resilium (Third Party Sites). Resilium 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 Resilium (Third Party Offers). Resilium 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, Resilium 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 Resilium 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.

2.6 As part your use of our Online Sites or Site Content you may need to agree to the terms of a Third Party Site. 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 is concerned.

3. Your privacy

3.1 Your privacy and security is important to Resilium. Read terms 22 to 30 for information (the 'Privacy Statement' component) about how Resilium handles the information you provide it when you use one of our Online Sites.

4. Resilium’s Main Site: product information and permitted transactions

The Resilium Main Site contains both information of a general nature about Resilium and Resilium Insurance Broking and the products and services we distributeoffered, and also enables you to complete certain transactions such as contacting us. When you transact with us, these Online Terms will apply, unless:

a) your transaction is governed by the Single ID (SID) system to which this term 4 does not apply;

b) your transaction involves a payment in respect of a GIO product in which case your transaction will be governed by GIO’s online terms; or

c) your transaction involves a payment in respect of a product arranged through Resilium Insurance Broking in which case your transaction will be governed by Resilium Insurance Broking online terms. to which this term 4 does not apply.

5. Valuation tools, calculators, games and other features

5.1 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 and advisor industry.

5.2 Whilst Resilium has undertaken reasonable steps to ensure that any such features or information as described in term 5.1 above are accurate and free from defect, Resilium 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.

6. Resilium’s standard terms and acceptance criteria apply

6.1 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 the respective product issuer’s normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. Please read and consider the relevant PDS and policy wording, with the assistance of your Resilium Adviser, before you make any decisions about any of these products. Ask your Advisor for a copy or see the product-specific insurance pages on our Main Site.

6.2 Whenever you make an enquiry or application for a Resilium distributed insurance product you must answer any questions we ask honestly and completely. An insurance issuer reserves the right to reduce or deny any claim you make under a Resilium branded policy and/or cancel the policy, if the information you provide us is not honest and complete. If any Resilium branded product requires that you comply with a duty of disclosure, the produce issuer will inform you of this in the quote or purchase transaction and this will be made clear in the relevant PDS or Certificate of Insurance. The product issuer reserves the right to reduce or deny any claim you make under an applicable policy and/or cancel the applicable policy, if the duty of disclosure has not been complied with.

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

7.1 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 Resilium advises otherwise , licenses and grants Resilium, 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. Resilium qualifies this term 7.1 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 Resilium in accordance with clause 25.4.

7.2 Users agree that they are fully responsible for the Social Media Site User Content they submit. Resilium 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. Resilium 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.

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

7.4 Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 7 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including Resilium 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 Resilium (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.

8. Warranties

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, Resilium 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. Resilium 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.

9. Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, Resilium, 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.

10. Indemnity

You indemnify Resilium (and any of its related bodies corporate) in respect of any liability incurred by Resilium (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by Resilium (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.

11. No advice

Unless specifically disclaimed, 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. Before acting upon any Site Content or any information found on a Third Party Site, you should consider, with the assistance of your Resilium Adviser, whether it is appropriate in light of your particular objectives, financial situation and needs. Depending on your circumstances, you should also consider whether other types of advice may be relevant to your situation, including but not limited to independent legal, accounting or financial planning advice.

12. Availability of an Online Site

12.1 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.

12.2 Resilium 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, Resilium may withdraw an Online Site (of part thereof) at any time and without notice to you.

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

13. 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 only. By accessing, viewing or otherwise using any of Resilium’s Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 14.

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

(a)    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 Resilium's prior written permission;

(b)    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;

(c)    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;

(e)    take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;

(f)    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

(g)    copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without Resilium's prior written permission.

14. No use of any Online Site for unrelated persons

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

(a)    obtain insurance quotes;

(b)    obtain other information relating to the price of insurance cover from Resilium;

(c)    conduct insurance related transactions (including using any self-service function to manage your insurance policy) 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 Resilium or conduct insurance-related transactions or queries.

You also agree to indemnify Resilium in respect of any liability incurred by Resilium for any loss, cost, damage or expense, howsoever caused, suffered by Resilium as a result of your breach of this term 14.

15. 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.

16. Copyright and trademarks

16.1 Copyright in the material on an Online Site is owned or licensed by Resilium or otherwise belongs to the legitimate copyright holder of that material.

16.2 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 Resilium.

16.3 Resilium 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. “Resilium” is a registered trademark of Resilium Pty Ltd.

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

17. Termination

17.1 Termination of these Online Terms

These Online Terms and/or your access to our Online Site(s) may be terminated at any time by Resilium. 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 Resilium, 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).

17.2 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.

18. Acceptance of and changes to these Online Terms

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

18.2 These are the current Online Terms. They replace any other terms of use and privacy statement for an Online Site published on any of our Online Sites. Resilium may at any time vary these Online Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of an Online Site, by publishing the varied Online Terms on an Online Site. Resilium does not have to indicate on an Online Site that these Online Terms have changed, neither is Resilium under any obligation to specifically contact or notify you of any variation to these Online Terms. You accept that Resilium 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.

19. Resilium’s complaints resolution process

19.1 If you are dissatisfied with your dealings with Resilium in relation to your use of an Online Site please let us know by contacting us through the ‘Contact Us’ page on our Main Site or email us at info@resilium.com.au

19.2 We will review your message 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 Resilium branded insurance policy or insurance claim, you may have additional rights of appeal, such as under Resilium’s formal dispute resolution process. We will tell you if that is the case. See the relevant PDS for details about how Resilium resolves complaints.

20. General

20.1 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.

20.2 Resilium only offers its insurance products for sale within Australia. Some of our services and products are limited in their application to certain states or territories within Australia.

20.3 The law applicable to an Online Site (including Resilium’s operation of any Social Media Site), and to any complaints arising from an Online Site is the law in force in 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 and any courts which have jurisdiction to hear appeals from such courts, unless the complaint relates to an insurance contract in which case relevant state or federal law will apply.

20.4 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.

20.5 You may not rely on the words or conduct of Resilium 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 Resilium 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.

21. 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 us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.

22. Our Online Privacy Statement starts here

22.1 By using an Online Site you accept that any personal information Resilium collects about you will be handled according to terms 22 to 27 of these Online Terms. These Online Terms should be read together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at suncorp.com.au/corporate/legal/privacy-policy) and any additional privacy statement which we or GIO provide you.

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

22.3 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 Resilium 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.

23. Your Security and Privacy

23.1 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 7 and 25 for further information about the public display of your content.

23.2 Resilium’s Main Site and Mobile Site use 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 Resilium are of aggregated information only. These reports help Resilium to maintain, administer and improve these sites.

24. Posting public content

24.1 Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by Resilium publicly in accordance with terms 7, 23 and 25. Your information may also be retained by Resilium where there is a legal reason to retain it for a longer period.

25. Information collected and how we use it

25.1 General Information

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

25.1.2    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.

25.1.3    An Online Site may offer interactive facilities including search facilities, 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.

25.2 Personal information submitted to an Online Site

25.2.1    When you as a user of an Online Site (Online Site User), including any Social Media Site User referred to in term7 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),  you consent to that personal information being collected by Resilium and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.

25.2.2 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 us 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 us, please exercise caution and DO NOT provide it to us.

25.2.3     If you are using our Online Site and decide to obtain a quote or acquire a product or service, as a potential customer or customer we collect, hold, use and disclose your personal information. We have Privacy Statements that detail the information you need to know about our privacy practices when you have a relationship with us as a customer or potential customer. You will be directed to these during the quote and/or application process. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. The specific information for your product or service is detailed in the relevant Privacy Statement. You should review the relevant Privacy Statement for you prior to providing us with your personal information. Please go to resilium.com.au/privacy to find our complete list of Privacy Statements.

25.2.4    We also collect, hold, use and disclose personal information about individuals when they interact with us in a range of other ways.  These may be individuals who are not customers or they may be customers who are interacting with us in a different way.  You may be one of these people.   For example, you may: interact with us via a Social Media Site; make an online enquiry; be a witness in a customer’s claim; or be a claimant on another customer policy.   We have Privacy Statements that detail the information you need to know about our privacy practices and how we may deal with your personal information when you interact with us in these other ways. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. You should review the relevant Privacy Statement for you prior to providing us with your personal information. To view the relevant Privacy Statement for your interaction please go to resilium.com.au/privacy

25.2.5    In the case of personal information which is provided to Resilium for public display by a Social Media Site User (this includes any ‘tweet’ you send to Resilium on Twitter, which we may “re-tweet” to other Twitter users), Resilium 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 7 for what other uses and/or disclosures Resilium may make of a Social Media Site User’s personal information and what limits it imposes.

25.2.6    Resilium 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 Resilium 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.

25.2.7    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. Resilium is not responsible to you for the information handling practices of any such third party, including any host website or service provider.

25.2.8 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.

25.2.9    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 a vehicle repair centre or other location. If we ask for your personal information and you do not provide it to us, then we may not be able to provide you with the service you have requested, for example, to put you in contact with a Resilium Adviser.

25.2.10    If we collected your personal information through our Main Site, they will never be stored on any web server or computer system directly connected to the internet.

25.3 Security of personal information submitted to our Main Site

25.3.1    All personal information you provide to our Main Site or Mobile Site over the internet while inquiring about 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). Resilium 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 Resilium while it is in transit over the internet. Once your personal information has been received at our Main Site or Mobile Site (as relevant), we take all reasonable precautions to securely pass that information to the Resilium mainframe computer or to another member of the Suncorp Group on behalf of Resilium, 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.

25.3.2    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 Resilium or by another member of the Suncorp Group on behalf of Resilium, and will not be transmitted over the internet to payment card providers or payment providers. Neither Resilium nor any payment provider we allow will store your payment card details on any web server. If your payment card number is stored it will only be for Resilium or financial institution record keeping purposes (or otherwise as required by law), and then it will be stored with an even higher level of encryption.

25.4 Recruitment information

25.4.1    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.

25.4.2    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.

25.4.3    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.

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

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

25.4.6    Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with Resilium or the Suncorp Group.

25.4.7    Should Resilium 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.

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

25.4.9  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.

26. Your privacy rights and complaint resolution

26.1 If Resilium has collected your personal information through your use of a an Online Site, then you have a right to access, update or correct that personal information. You should direct any information access or correction request or privacy concern relating to your use of an Online Site as follows.

Email us privacyaccessrequests@resilium.com.au or call us on 131 436 or write to us at Resilium, GPO Box 1387, Melbourne, Victoria, 3001.

26.2 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.

26.3 If you make a complaint about your privacy you may have additional rights of appeal, such as under Resilium’s formal dispute resolution process. We will tell you if that is the case. See the “Making a Privacy Complaint” part of our main website or contact us for more information about how Resilium resolves privacy complaints.

27. Cookies

27.1 Our Online Sites use “cookies” as a fundamental part of their interaction with your internet browser. Cookies enable Resilium 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 Resilium’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.

27.2 Cookies are used by Resilium on its Main Site to enable certain permitted transactions. 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 other non-personalised information such as the date, time or duration of your visit, preferences and product requirements, or the pages accessed.

27.3 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.

These Online Terms are dated 25 August 2014