Privacy Policy
(Merit Life Pty Ltd – meritlife.com.au)
1. Introduction
Merit Life Pty Ltd (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information responsibly in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy outlines how we collect, use, disclose, and store your personal information when you interact with meritlife.com.au or use our services.
2. Personal Information We Collect
We may collect personal information relevant to the services we provide, including:
- Name and contact details (email address, phone number, postal address)
- Date of birth and identification details
- Financial and insurance-related information
- Employment and income details
- Health and medical information (where required for insurance purposes)
- Business information (where applicable)
- Technical data such as IP address, browser type, and website usage
3. How We Collect Information
We collect personal information through:
- Forms submitted via meritlife.com.au
- Direct communication (phone, email, or online enquiries)
- Requests for quotes or consultations
- Engagement of our advisory services
- Referrals from partners (with your consent)
- Cookies and analytics tools used on our website
4. Purpose of Collection
We collect and use personal information for purposes including:
- Providing life insurance advice and recommendations
- Assessing your needs and eligibility for insurance products
- Preparing documentation, including Statements of Advice (where applicable)
- Communicating with insurers and facilitating applications or claims
- Managing client relationships and responding to enquiries
- Improving our services and website functionality
- Meeting legal and regulatory obligations
5. Disclosure of Information
We may disclose your personal information to:
- Insurance providers and underwriters
- Service providers and professional partners (with your consent where required)
- Regulatory authorities and government agencies
- Third-party technology providers supporting our operations
We do not sell personal information to third parties.
6. Overseas Disclosure
Some service providers we engage may be located outside Australia. Where this occurs, we take reasonable steps to ensure your information is handled in a manner consistent with Australian privacy requirements.
7. Data Security
We take reasonable measures to protect personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure.
8. Access and Correction
You may request access to, or correction of, the personal information we hold about you by contacting us using the details below.
9. Cookies and Analytics
Our website uses cookies and similar technologies to support functionality and to better understand how users interact with our site.
You can manage or disable cookies through your browser settings.
10. Complaints
If you have a concern about how your personal information has been handled, you may contact us directly. If your concern is not resolved, you may refer the matter to the Office of the Australian Information Commissioner (OAIC).
11. Contact Details
Merit Life Pty Ltd
Website: https://meritlife.com.au
Email: [Insert Email]
Phone: [Insert Phone]
Address: [Insert Address]
Website: https://meritlife.com.au
Email: [Insert Email]
Phone: [Insert Phone]
Address: [Insert Address]
12. Updates to This Policy
We may update this Privacy Policy from time to time. The current version will be available on meritlife.com.au.