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Who we are
Suggested text: Our website address is: http://ekam-group.island-wizards.com.
Comments
Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
Suggested text: If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Suggested text: Visitor comments may be checked through an automated spam detection service.
Privacy Policy
About the Metrix Connect Privacy Policy
Metrix Connect Pty Ltd As trustee for Metrix Connect Hybrid Trust respects your privacy and is committed to protecting the personal information of its clients.
We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles, along with any other applicable privacy laws and codes, when collecting, using, disclosing, holding, handling and transferring any personal information. Where practical and legally permissible to do so, you have the option of providing information to us and dealing with us anonymously or by using a pseudonym.
At Metrix Connect, we, and our Authorised Representatives, have ongoing practices, procedures and systems in place to ensure that we manage personal information in an open and transparent way.
Further information about these practices, procedures and systems are contained in our policy set out below. How and why Metrix Connect collect personal information.
In this Privacy Policy, ‘we’, ‘us’ and ‘our’ means Metrix Connect Pty Ltd as trustee for Metrix Connect Hybrid Trust ABN 55 742 327 931, our Authorised Representatives and the group of companies directly related to the foregoing, in relevant countries who do not have their own privacy policy.
We respect the privacy of your personal information. This Privacy Policy sets out how we collect, store, use and disclose your personal information (including sensitive information) in accordance with the terms below, and applicable Privacy Laws (defined as laws including the Australian Privacy Principles set out in the Privacy Act 1988 (Cth) or in New Zealand, the Privacy Act 1993, or in Singapore, the Personal Data Protection Act 2012, or in the EU, the General Data Protection Regulation (GDPR) (EU) 2016/679).
What personal information we collect
Personal information” includes information or an opinion, whether true or not, and whether recorded in a material form or not, about an identified living individual or an individual who is reasonably identifiable (e.g., name and contact details), or data about an individual who can be identified from that data, or from that data and other information to which we have or are likely to have access. As its name suggests, “sensitive information” is a more sensitive subset of personal information, which includes your bank account/payment, criminal history, health information, religion, racial/ ethnic origin or sexual orientation. If you are an individual who is either based in or a resident of Australia, the European Union or the United Kingdom, subject to applicable Privacy Laws, we will not process sensitive information about you unless we have received your express consent to the processing of this information.
We collect certain types of information about you if you visit our website, provide us with your personal information in relation to insurance, or otherwise provide us with your personal information.
The information we collect and hold generally includes your name and contact information (including telephone numbers and email addresses), information relating to the operation of your business, other reference information and information about other parties that you may conduct, or are interested in conducting, business with.
If you have requested that we act in a broking capacity for insurance-related services, we may also collect and hold other information required to provide such services to you, including details of your previous insurances and sensitive information (such as bank account(s) and criminal records).
You may be able to deal with us without identifying yourself (i.e. anonymously or by using a pseudonym) in certain circumstances, such as when making a general inquiry relating to the services we offer. If you wish to do so, please contact us to find out if this is practicable in your circumstances. However, if you do not provide us with the information that we need, we or any of our third-party service providers may not be able to provide you with the appropriate services.
How we collect your personal information
We may collect personal information in a number of ways, including:
– directly from you via our website, telephone, in writing or email; and/or
– indirectly from third parties, if necessary. For example, your employer or one of our referral partners may provide us with information about you for the purpose of obtaining our services. We may also obtain personal information from referees, insurers, premium funders and other third-party service providers or publicly from available sources.
You authorise us to contact such third parties for the purposes of providing you with the services that you have requested.
We also automatically collect certain information when you visit our website, some of which may be capable of personally identifying you. Please see the “Cookies” section below for more details.
Our purposes for collecting, holding and using your personal information
– We collect and hold your personal information for the purposes of providing our services to you and related purposes. Such purposes include:
- to provide information, products or services you requested;
- to determine your eligibility and process applications for products and services that you have requested;
- to provide information and services as requested by clients;
- to understand and assess your ongoing needs and offer products and services to meet those needs;
- to carry out client communication, service, billing and administration;
- to administer claims;
- to conduct data analysis;
- to execute monitoring and training;
- to develop new services;
- to market products and services;
- to conduct processing necessary to fulfil other contractual obligations for the individual; and
- any other purpose notified to you at the time your personal information is collected.
Legal basis for using your personal information
If you are an individual who is either based in or a resident of the European Union or the United Kingdom, we will only collect, use and share your personal information where we are satisfied that we have an appropriate legal basis to do this. We will make sure that we only use your personal information for the purposes set out above and where we are satisfied:
– we need to use your personal information to perform a contract or take steps to enter into a contract with you;
– we need to use your personal information for our legitimate interest as a commercial organisation. For example, we may collect your personal details so that we can respond to enquiries submitted via our website. In all such cases, we will look after your information at all times in a way that is proportionate and respects your privacy rights and you have a right to object to processing as explained in the “Accuracy, access and correction of your personal information” section of this Privacy Policy below;
– we need to use your personal information to comply with a relevant legal or regulatory obligation that we have; or
– we have your consent to using your personal information for a particular activity.
Disclosure of your personal information
We will disclose your personal information to:
– our related companies, or third parties who help manage our business and provide our services, including our third-party service providers, such as payment system operators, IT suppliers, lawyers, accountants, other advisers and financial institutions;
– insurers, reinsurers, other insurance intermediaries, insurance reference bureaus and industry bodies;
– any other entities notified to you at the time of collection;
– courts, law enforcement, regulators and other government agencies to comply with all applicable laws, regulations and rules; or
– requests of courts, law enforcement, regulators and other governmental agencies
Other than when required or permitted by law, as specified in this Privacy Policy or where you have provided your consent, we will not disclose your personal information.
Nothing in this Privacy Policy prevents us from using and disclosing to others de-personalised aggregated data.
Transfer of personal information overseas
Business insurance packs can offer general protection for a business, which may include cover against:
What can it cover?
Business insurance packs can offer general protection for a business, which may include cover against:
| Type of cover | Potential benefits |
| Property damage | Repair or replacement of property damaged. |
| Business interruption | Loss of trading profit following insured damage to property and additional costs and expenses incurred during a claim. |
| Theft | Repair or replacement of property stolen. |
| Money | Loss of money. |
| Public or products liability | Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy. |
| Glass | For replacing glass inside or outside your premises, including your shopfront windows, mirrors or display cases. |
| Transit | For stock that is in transit on the road, in the air or by sea. |
| Electronic equipment breakdown | For repairing or replacing electronic equipment that breaks down. |
| Machinery breakdown | Cover for costs associated with machinery breakdown. |
| General property | To cover your tools of trade, including laptops and tools that you use for your profession or trade. |
| Tax audit | To cover the costs of being audited by the ATO. |
| Employee dishonesty | Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance. |
What usually isn’t covered?
Exclusions, and the excess you need to pay, and limits of liability can vary greatly depending on your insurer and the requirements of your business.
There are other exclusions which your Insurance Broker can outline for you.
CASE STUDY
Owners of a shop in the city. One night a water pipe bursts, flooding the building and damaging stock. Even worse, the building must be evacuated and renovated to repair all the water damage. This means that Owners were unable to trade for six weeks.
The business insurance covers the cost of the renovations.
However because they also had business interruption insurance, the owner received a payout to cover the income lost for the period they were unable to trade.
Important note – the information provided here is general advice only and had been prepared without taking into account your objectives, financial situation or needs. A product disclosure statement (PDS) is available from your insurance broker. You should consider the PDS in deciding whether to acquire, or continue to hold, business insurance.