PRIVACY POLICY
At BUSSQ, protecting personal information has always been important
We comply with the Australian Privacy Principles in the Privacy Act 1988 when we manage your personal information. This Privacy Policy explains our practices for the management of your personal information.
Types of personal information we collect and hold
We collect and hold personal information for the purposes of setting up and administering your superannuation account including insurance.
The types of personal information we collect and hold include:
This information is collected in order to process your application and administer your benefits. We may not be able to process your application if the information is not provided. Over time this information is supplemented with financial and other information necessary to administer your account.
How we collect and hold personal information
We collect personal information in a range of ways including from you, your employer, identity verification providers, other super funds, clearing houses, insurers and medical practitioners.
Typically, we collect your personal information by phone, in person, by email or post, digital applications and forms, and via our website.
Your personal information is held by us and/or the Fund’s administrator, and the Fund’s insurer holds personal information including health and medical information.
Purposes for which we collect, hold, use and disclose personal information
The purposes for which we collect, hold, use and disclose personal information are:
- So we may contact you
- Verify your identity
- Administer your superannuation account including insurance, and superannuation/ income account payments
- With your consent, help you find other superannuation accounts in your name
- Assess your eligibility for insurance cover
- Assess an insurance claim
- Conduct market research and data analysis, and marketing activities
- Provide you with information and education about superannuation
- Tell you about our products and services
- Provide you with documents that we are required to provide you by law
- Comply with regulatory reporting requirements.
If you provide us with your email address, we may use it to send you marketing communications. If you do not want to receive such communications, please contact us on 1800 692 877 to let us know.
Who we disclose information to
In certain instances, BUSSQ may disclose relevant personal information to third parties if it is necessary to do so, you have provided your consent, or it is authorised or required by law.
There are various third parties we may disclose personal information to including:
Health information collected for insurance purposes will normally only be disclosed to the Fund’s insurer, however if you may make a total and permanent disablement claim, information may be disclosed to medical practitioners and other experts nominated by the Fund’s insurer or the Fund’s Insurance Committee. If there is any dispute about your entitlements, BUSSQ, the administrator or the insurer may disclose information about you to other professional advisers (eg. legal advisers).
In some instances, our insurer may need to disclose information to its service providers overseas, which are located in The Philippines, China, India and New Zealand.
Security of information
BUSSQ has appointed a specialist administrator and a group life insurer to provide services to the Fund. These service providers are authorised by way of a contract to use personal information only to provide the contracted services, are required to treat that information in the strictest confidence in accordance with a confidentiality agreement and have appropriate security measures in place. Other service providers are also required to have appropriate security measures in place.
Your personal information is held in electronic or hard copy form. We take all reasonable steps to ensure your personal information is protected from misuse, loss, unauthorised access, modification or disclosure. We have a range of security measures including systems and building security measures, and training for staff.
When we no longer require the personal information we hold about you, we will take all reasonable and practicable steps to de-identify or destroy the information in a secure manner.
How to request access to and correction of personal information
You have the right to request access to the personal information we hold about you, and you may request correction of the information.
We will respond to your request for access or correction of personal information within a reasonable period. There may be grounds to decline your request in which case we will write to you to explain why.
To request access to and/or correction of your information, you should contact BUSSQ using the contact details below:
PHONE 1800 692 877
MAIL BUSSQ, GPO Box 2775, Brisbane QLD 4001
EMAIL super@bussq.com.au
How to complain about a breach of privacy
If you have a privacy complaint, you should contact the Complaints Officer:
The Complaints Officer contact details are:
PHONE 1800 692 877
MAIL Complaints Officer, BUSSQ, GPO Box 2775, Brisbane QLD 4001
EMAIL super@bussq.com.au
Alternatively, you can make a complaint in person to a BUSSQ representative, or online at bussq.com.au or via BUSSQ-owned or controlled social media.
We will acknowledge your complaint within 24 hours (or one business day) of receiving it, or as soon as practicable.
Your complaint will be escalated through the Internal Dispute Resolution (IDR) process if it cannot be resolved within 5 business days or where you are not completely satisfied with the resolution.
The Complaints Officer will investigate your complaint and write to inform you of the results of that investigation no later than 30 calendar days after receiving your complaint.
If you are not satisfied with our response or you have not received a response within the required timeframe, you may take your complaint to the Office of Australian Information Commissioner (OAIC).
Office of Australian Information Commissioner
MAIL GPO Box 5218, Sydney NSW 2001
PHONE 1300 363 992
WEB oaic.gov.au
We may review and update our Privacy Policy from time to time. We will manage your personal information in accordance with our latest Privacy Policy which will be posted on our website bussq.com.au.
BUSSQ website
Scope
This statement applies to the bussq.com.au website. The website is managed by BUSSQ.
Cookies
A cookie is a short piece of data which is sent from a web server to a web browser on the user’s machine when the browser visits the server’s site. The cookie is stored on the user’s machine, but it is not an executable program and cannot do anything to your machine. Whenever a web browser requests a file from the same web server that sent the cookie, the browser sends a copy of that cookie back to the server along with the request. In this way, the server knows you have visited before and can co-ordinate your access to different pages on its web site. A server cannot find out a name or email address, or anything about a user’s computer, by using cookies.
Personal information is collected when our website is accessed. In such cases the information relates to the page(s) visited, who the internet service provider is and the date and time the site was accessed. The information however does not identify you personally. The BUSSQ website will collect ‘cookies’ when the site is visited.
BUSSQ uses cookies to obtain data regarding the activity on our website. The cookies uses are on the secured (HTTPS) and unsecured (HTTP) sites.
Google Analytics
Reports obtained from Google Analytics are used to help improve the efficiency and usability of this website.
Google Analytics uses first-party cookies and JavaScript code to gather statistics about how the website is accessed. It anonymously tracks how our visitors interact with this website, including where they came from, and what they did on the site.
The information generated by the cookie and JavaScript code about your use of the website (including your IP address) will be transmitted to and stored by Google on servers located outside Australia. Google is based in the United States of America (USA).
Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf.
You can opt out of Google Analytics if you disable or refuse the cookie, disable JavaScript, or use the opt-out service provided by Google.
Google Tag Manager
We use Google Tag Manager, a digital marketing service provided by Google Inc. (“Google”). Reports obtained from Google Tag Manager are used to help improve the efficiency and usability of the website by measuring traffic and visitor behaviour to the bussq.com.au website.
Google Tag Manager uses tags which are tiny bits of website code that allow us to measure traffic and visitor behaviour, understand the impact of online advertising and social channels, use remarketing and audience targeting, test and improve our site. Google Tag Manager keeps track of a set of tags and tag-firing rules but it does not collect any personally identifiable information. When a user visits the site, the most up-to-date tag configuration is sent over to the end-user’s browser with instructions to fire appropriate tags. The information generated about your use of the website (including your IP address) will be transmitted to and stored by Google on servers located outside Australia. Google is based in the United States of America (USA).
Should you wish to contact Google, you can find contact details on Google’s Contact us page.
By using BUSSQ’s website, you consent to the processing of data about you by Google in the manner prescribed by Google’s Privacy Policy and for the purpose set out above. Relevant legislation of the USA will apply.