This Policy describes our policies and practices for collecting, handling, storing, using, and disclosing personal information. It also covers how you can complain about a breach of the privacy laws, access the personal information we hold about you, and have that information corrected where necessary.

Policy statement

This is the Privacy Policy of Our Guard Mutual Ltd (ACN: 652 207 808) ("Our Guard"). Within this Privacy Policy, "our website" refers to all information, services, text, graphics and other data contained under the domain name https://www.ourguard.com.au; "we", "our" and "us" refers to Our Guard and its related entities; and "you" or "your" refers to the person providing personal information and/or accessing our website.

At Our Guard, your privacy is extremely important to us. We are committed to protecting the privacy of your personal information and to handling your personal information in a responsible manner.

Our Guard supports:

Fair, transparent and open collection practice and management of personal information;
Processes that ensure personal information is accurate, complete, current and secure;
Limiting the use of personal information;
An individual's right to see and, where necessary, request to correct personal information about themselves.

What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

What kind of personal information do we collect and hold?

The personal information we collect generally includes your name, date of birth, gender, and contact details including your address. We may also ask for information specific to the product or service you decide to purchase from us. There may be occasions where we collect and maintain sensitive information about you, such as membership of any professional associations and whether there are any criminal convictions.

How do we treat your personal information?

We will only collect, use or disclose your personal information with your freely given, specific, informed, and unambiguous consent, unless otherwise permitted or required by law. We will do so in a fair and reasonable way. You may withdraw your consent at any time by contacting us. You are free to refuse our request for your personal information, with the understanding that we may be unable to provide you with some of your desired services without this information. We will only retain personal information for as long as necessary to provide you with a service, or for as long as required by law.

We do not share your personal information with third parties, except where required by law or with your consent.

From time to time, we may use your contact details to send you offers, updates, newsletters or other information about products and services that we believe will be of interest to you. Upon request, we will inform you of the source of information used for these communications. You may opt out of these communications at any time by notifying us that you wish to do so.

Access and corrections

We take reasonable steps to ensure that the personal information we collect, store, use or disclose is accurate. We do rely on you to advise us of any amendments required to your information to ensure it remains accurate. You may ask us for access to your personal information at any time, or request your data in a format that is portable or transferable to another service provider. You can also ask us to correct, amend or delete your personal information if you feel — and we agree — that it is inaccurate, irrelevant, out of date or incomplete. You may make this request at no cost. If you would like to seek correction of your personal information, please contact us using the details at the end of this Privacy Policy. We will assess your request for correction or erasure in accordance with our legal obligations and inform you of the outcome.

Children's privacy

This service is not intended for individuals under the age of 18. However, as required by Australian Privacy Law, if we become aware that we have unintentionally collected personal information from a child under the age of 18 without appropriate consent, we will take steps to delete that information as required by law.

Automated decision making

We do not use automated decision-making processes to offer our services to you. However, as required by Australian Privacy Law, should there be any change in the future, we will inform you about any automated decisions to be made, and you will have the right to request information about such processes.

Cookies

We use "cookies" to collect information about you and your activity across our website. A cookie is a small piece of data that our website stores on your computer and accesses each time you visit, so we can understand how you use our site and serve you content based on your preferences. If you do not wish to accept cookies from us, you should instruct your browser to refuse cookies from our website, with the understanding that we may be unable to provide you with some of your desired services without them. This policy covers only the use of cookies between your computer and our website; it does not cover the use of cookies by any advertisers.

Variations

Our Terms of Use may be varied at any time without notice (where permitted by law) for security, legal or regulatory reasons, or to reflect updates or changes to our services or website functionality, by publishing the varied Terms of Use on our website. We will indicate on our website that these Terms of Use have changed; however, we are under no obligation to specifically contact or notify you of any variation. By your use of our website after any variation, you are taken to have accepted the new Terms of Use.

Third party services

We may employ third-party companies and individuals on our website — for example, analytics providers and content partners. These third parties have access to your personal information only to perform specific tasks on our behalf and are legally obligated not to disclose or use it for any other purpose. We may also provide your information to other parties if we are required or permitted to do so by law.

Security

We take security seriously and will take all reasonable steps to protect your personal information from loss, theft, unauthorised access, disclosure, copying, use or modification. We have a range of technical and organisational measures — including multi-factor authentication and access controls — to protect your personal information. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee the absolute security of your data.

Links

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot assume responsibility for their treatment of your personal information. This Privacy Policy covers only our website and privacy practices.

Serious invasion of privacy

Under Australian law, if you believe your privacy has been seriously invaded by our actions, you may have the right to take legal action in addition to making a complaint to us or to the OAIC (contact details below).

Data controller or processor roles

Depending on the circumstances, Our Guard may act as a data controller (responsible for determining the purposes and means of processing your personal information) or as a data processor (processing information on behalf of another entity). We are committed to fulfilling our obligations under the Privacy Act in both roles, including ensuring that any third parties processing information on our behalf do so in accordance with our privacy and security standards.

Data breach notification

In the event of a data breach that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as soon as practicable, and no later than 72 hours after becoming aware of the breach, in accordance with the Notifiable Data Breaches (NDB) scheme. We will also take steps to mitigate any potential harm.

Changes to this Privacy Policy

We may make changes to this Privacy Policy from time to time and place any updated version on our website. Please review our Privacy Policy periodically for changes. Your continued use of our website, products or services, or providing further personal information to us after this Privacy Policy has been updated, constitutes your acceptance of the revised Privacy Policy.

Complaints

If you have any concerns about how we have handled your personal information, including whether we have complied with the Privacy Act or this Privacy Policy, please contact us using the details below. We will respond within 30 calendar days of receiving your complaint.

For more information on how we handle complaints, refer to our Frequently Asked Questions.

You may also contact the Office of the Australian Information Commissioner (OAIC) to raise complaints regarding any privacy or personal information matters:

Tel: 1300 363 992
Email: enquiries@oaic.gov.au
Post: Office of the Australian Information Commissioner, GPO Box 5218, Sydney NSW 2001, Australia

Contact us

If you would like further information about our Privacy Policy or about how we manage your personal information, please contact us at hello@ourguard.com.au.

Last updated May 2025.