Last updated: 28 August 2025 (AEST)

We respect your privacy. This policy explains how Stellar Insurance Brokers Pty Ltd (ABN 53 627 106 496) collects, uses, discloses and protects personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). OAIC+1

1) What we collect

The personal information we collect will depend on your interactions with us and the insurance you seek. It may include:

• Identification and contact details (e.g., name, DOB, address, email, phone);

• Business details (e.g., ABN, industry, turnover, assets insured);

• Policy, proposal and claims information, risk details, and supporting documents;

• Payment information (e.g., premium funding details, limited card data via secure processors);

• Sensitive information where relevant and with your consent (e.g., health information for certain covers or claims, or criminal history/driver history where required by insurers). We only collect sensitive information where reasonably necessary for our functions and as permitted by law. OAIC

2) How we collect it

We collect personal information:

• directly from you (online forms, emails, phone calls, meetings, claims, events);

• from third parties you authorise (e.g., insurers/underwriters, premium funders, brokers/ARs, loss adjusters, repairers, investigators, your advisers);

• from publicly available sources and government registers where appropriate; and

• automatically via our website (cookies, server logs, analytics).

If you provide information about another person, you must have their authority and direct them to this policy.

3) Why we collect and use it

We collect, use and disclose personal information to:

• provide broking, advisory and placement services (quotes, bind cover, renewals, endorsements);

• administer and manage policies, premium funding and claims;

• verify identity and manage risk, compliance and record-keeping;

• communicate with you (including service messages and direct marketing you can opt out of at any time); and

• operate and improve our website and services (analytics, security, training, quality assurance).

E-marketing complies with the Spam Act 2003 and ACMA rules on consent, identification and easy unsubscribe. ACMA

4) Disclosures to third parties & overseas recipients

We may disclose personal information to:

• insurers/underwriters, underwriting agencies and Lloyd’s market participants;

• premium funders and payment providers;

• adjusters, assessors, investigators, legal advisors, repairers and service providers;

• IT, cloud hosting, analytics and support providers; and

• regulators, dispute resolution bodies and law enforcement as required by law.

Some recipients may be located overseas (for example where an insurer, reinsurer or cloud host operates internationally). We will take reasonable steps to ensure overseas recipients handle your information in accordance with the APPs. Ask us if you would like to know which countries your information is likely to be disclosed to in connection with your cover. OAIC

5) Cookies & analytics

Our site uses cookies and similar technologies to operate effectively and improve your experience (e.g., remembering preferences, security) and to perform analytics (e.g., understanding visits and page performance). You can control cookies in your browser settings; however, parts of the site may not function correctly if you disable them.

6) Security and retention

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure (administrative, technical and physical safeguards; access controls; staff training). We keep information only for as long as needed for our functions or as required by law, then take reasonable steps to destroy or de-identify it. (APP 11). Institute of Public Accountants

7) Access and correction

You can request access to the personal information we hold about you and ask us to correct it if it is inaccurate, out-of-date, incomplete, irrelevant or misleading. We will respond within a reasonable period and in accordance with APP 12 and APP 13 (subject to permitted exceptions). OAIC

8) Notifiable Data Breaches

If a data breach is likely to result in serious harm, we will assess promptly and, where required, notify you and the Office of the Australian Information Commissioner (OAIC) under the Notifiable Data Breaches scheme. OAIC+1

9) Direct marketing choices

You can opt out of direct marketing at any time by using the unsubscribe link in our emails/SMS or by contacting us (details below). We will action your request as soon as practicable and in line with ACMA’s guidance. ACMA

10) Children

Our services are generally designed for adults and businesses. If you are under 18, please obtain a parent/guardian’s consent before providing personal information.

11) Complaints

• Privacy complaints: Contact us first (details below). If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC). See the OAIC website for how to complain. OAIC

• Service or product disputes: You may also be able to lodge a complaint with AFCA (eligibility and scope apply). afca.org.au

12) How to contact us

Stellar Insurance Brokers Pty Ltd (ABN 53 627 106 496)
Unit 7, 35 Ethel Street, Yeerongpilly QLD 4105
Phone: 1300 270 280 | Email: admin@stellarinsurance.com.au

13) Changes to this policy

We may update this policy from time to time. The latest version will be posted here with the effective date.