Privacy Policy

At Cohabit Insurance, we take your privacy seriously. Whether you engage us for insurance advice, use our website, or interact with our mobile applications, we are committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose and manage personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other applicable privacy laws.

By using our services, website, or native applications, you agree to the practices described in this Policy.

1. The Information We Collect

Depending on how you interact with us, we may collect:

A. Insurance & Service Information

• Name, address and contact details
• Date of birth
• Property, asset and financial details
• Insurance history and claims data
• Health information (where relevant to underwriting)
• Identity verification information (driver's licence, passport etc.)
• Payment and billing details

B. Account & Platform Information

• Account login credentials
• User preferences
• Communication history
• Uploaded documents
• Support enquiries

C. Employment Information

If you apply for employment with us, we may collect employment history, academic background, references and background screening information (where permitted by law).

D. Device & Technical Information

When you use our website or native apps, we may collect:

• IP address
• Device type and operating system
• Browser type
• App version
• Device identifiers
• Log data
• Crash reports
• Usage analytics
• Session data

E. Location Data

If enabled on your device, our apps may collect precise or approximate location data where required for service functionality. You can disable location permissions in your device settings at any time.

F. Sensitive Information

We only collect sensitive information (including health information) where reasonably necessary for insurance services and with your consent, or where permitted by law.

We do not collect information such as racial origin, political opinions or religious beliefs unless required by law.

2. How We Collect Information

We collect information:

• Directly from you
• Through online forms and account registration
• When arranging insurance or managing claims
• Via email, phone or in-person interactions
• Through cookies and analytics tools
• Through native app software development kits (SDKs)
• From insurers, underwriting agencies and service providers
• From identity verification providers
• From related entities or authorised representatives

If you provide personal information about another person, you confirm you are authorised to do so.

3. How We Use Your Information

We use personal information to:

• Arrange and manage insurance
• Provide advice and support
• Process claims
• Verify identity
• Administer accounts
• Process payments
• Recover unpaid amounts (including engaging debt collection agencies)
• Improve services and user experience
• Conduct research and analytics
• Communicate updates and renewals
• Comply with legal and regulatory obligations
• Detect fraud, misuse or security threats

If you do not provide necessary information, we may be unable to provide services.

4. Marketing, Profiling & Personalisation

We may use your information to:

• Send service updates and newsletters
• Inform you of relevant offers
• Personalise website or app content
• Improve relevance of communications

We may combine behavioural data (such as browsing or app usage activity) with personal information to improve user experience and service delivery.

You can opt out of marketing at any time.

We do not sell personal information.

5. Automated Decision-Making

Some insurance underwriting decisions are made by insurers using automated systems. We may facilitate the provision of information into those systems.

We do not independently use automated decision-making that produces legal effects without human oversight.

6. Native Mobile Applications (iOS & Android)

If you use our native apps:

App Permissions

Our apps may request access to:

• Camera (for document uploads)
• File storage
• Notifications
• Location services (if required for functionality)

You can manage permissions in your device settings.

App Tracking Transparency (iOS)

Our iOS applications comply with Apple's App Tracking Transparency framework. Where required, we will request your permission before tracking activity across apps or websites owned by other companies for targeted advertising.

SDKs & Analytics

Our apps may use third-party SDKs for:

• Analytics
• Performance monitoring
• Security
• Push notifications
• Crash reporting

These providers may collect device-level information in accordance with their own privacy policies.

7. Cookies, Tracking Technologies & Advertising

We use cookies, pixels, web beacons and similar technologies to:

• Analyse usage trends
• Improve functionality
• Enhance security
• Measure advertising performance

Third parties (such as analytics or advertising partners) may also use cookies on our website.

You can manage cookie preferences via browser settings. Disabling cookies may affect functionality.

We respond to legally required opt-out signals where applicable.

8. Cross-Device & Cross-Platform Data

We may link data collected across devices and platforms where you log into your account to provide a consistent user experience.

We do not engage in unlawful cross-context behavioural advertising.

9. Overseas Disclosure & Data Hosting

We may disclose information to:

• Overseas insurers and reinsurers
• Cloud hosting providers
• Technology and software vendors
• Support and administrative providers in countries such as New Zealand, the Philippines, Vietnam, the United States and the United Kingdom

Where information is disclosed overseas, we take reasonable steps to ensure appropriate safeguards are in place.

10. Data Retention

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

• Provide services
• Meet legal obligations
• Resolve disputes
• Enforce agreements

Insurance and financial services regulations may require extended retention periods.

11. Security

We implement reasonable technical and organisational safeguards including:

• Encryption
• Firewalls
• Multi-factor authentication
• Access controls
• Secure hosting environments
• Confidentiality obligations for staff and contractors

No internet transmission is completely secure, but we continuously review and enhance our security controls.

12. Data Breach Response

If we experience a data breach likely to result in serious harm, we will comply with our obligations under the Notifiable Data Breaches scheme, including notifying affected individuals and regulators where required.

13. Access, Correction & Data Rights

You may request access to or correction of your personal information by contacting:

Email: compliance@cohabit.com.au

Where applicable under law, you may also request:

• Restriction of processing
• Deletion of certain data
• Portability of data
• Withdrawal of consent

We may refuse requests where permitted by law and will provide reasons.

14. Third-Party Websites & Widgets

Our website and apps may contain links to third-party websites, social media platforms or embedded tools. We are not responsible for the privacy practices of those third parties.

15. Children

Our services are not directed to children under 16. We do not knowingly collect personal information from children without appropriate consent.

16. Complaints

If you have concerns about how your personal information has been handled, contact our Privacy Officer:

Email: compliance@cohabit.com.au

We will acknowledge complaints within 24 hours and aim to respond within 30 days.

You may also contact the Office of the Australian Information Commissioner (OAIC) if unsatisfied.

17. Changes to This Policy

We may update this Policy from time to time.

Where changes materially affect your rights, we will take reasonable steps to notify you in advance. The latest version will always be available on our website.

18. Your Consent

By using our services, website or apps, you consent to the collection, use and disclosure of your information as described in this Privacy Policy.