What is personal information?
This is information about individuals where the individual can be identified. It may include information such as your name, contact details, age, insurance history or financial details.

What is sensitive information?
This is a particular kind of personal information and includes information about an individual’s health, racial or ethic origins, membership of political, professional or trade associations, political opinions or philosophical or religious beliefs, criminal record or sexual preferences.

How is Employee information affected?
Employee records are currently exempt from the privacy principles, but we nonetheless afford appropriate levels of confidentiality to this information.

Why do we collect personal or sensitive information?
We may directly or indirectly collect this information to enable us to provide our clients with financial services or products including arranging insurance or reinsurance and managing insurance claims or other risks.

What do we do with the personal and sensitive information we collect?

Unless you tell us not to, we may disclose this information to other organizations where we believe it is necessary to assist them and us in providing their services. Recipients will typically be insurers, reinsurers, other insurance intermediaries, employers, health workers, investigators, lawyers and loss adjusters. These organizations in turn may need to disclose the information to other such third parties. We also use the information for administrative purposes such as processing applications for insurance. We may also use your information to let you know about our range of products and services unless you advise otherwise. If you do not provide the required information, it may not be possible to provide appropriate products or services to you.

What are you required to do?
If you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, the purposes for which we use it, the types of third parties we disclose it to and how they can access it (as described in this document). If it is sensitive information we rely on you to have obtained their consent to the above. If you have not done these things, you must tell us before you provide the relevant information.

If we give you personal information, you and your representatives must only use it for the agreed purposes. Where relevant, you must meet the requirements of the National Privacy Principles when you collect, use and handle personal information.

You must also ensure that your agents, employees and contractors meet all of these requirements.

How secure is your personal information?
We may store your personal information electronically or in hard copy. We endeavor to protect it from misuse and loss, and from unauthorized access, modification or disclosure.

How can you contact us?
You may contact us to:

If you have any queries or simply wish to discuss any aspect in further detail, please contact CKA and ask to speak to the Privacy Officer.