Privacy Policy
Effective Date: 4 August 2025
At Co-Pilot Finance & Insurance (CPFI), safeguarding your privacy is more than a policy - it's a promise. This document outlines how we collect, store, use, and protect your personal information, in full compliance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and our obligations under the Corporations Act 2001.
You may choose to remain anonymous or use a pseudonym when dealing with us, where lawful and practical. If we receive unsolicited personal information, we will determine whether we are permitted to retain it. If not, we will destroy or de-identify it in accordance with the APPs.
Information We Collect
We may gather personal and sensitive information, including:
- Identity: name, address, date of birth, gender
- Insurance details: history, coverage, claims
- Financial data: income, liabilities, payment details
- Health and risk-related information
We do not use or disclose government-related identifiers (such as tax file numbers or Medicare numbers) unless permitted or required by law.
Collection Methods
We collect information through:
- Online forms, email, phone calls, and in-person meetings
- Our secure digital platforms
- Third parties acting with consent (insurers, brokers, legal advisers)
- Publicly accessible databases
Why We Collect It
We use your information to:
- Tailor finance and insurance broking services to your needs
- Process applications, policies, and claims
- Meet regulatory and licence obligations
- Enhance our client experience and service offerings
- Investigate and resolve enquiries and disputes
We may use your information to provide you with updates, offers, or services that may be of interest. You may opt out of receiving such communications at any time by contacting us.
Who We Share It With
Your information may be disclosed to trusted partners such as:
- Insurance underwriters and claims investigators
- Lenders and credit providers
- Compliance specialists and auditors
- Regulators (ASIC, OAIC, AFCA)
- Data and technology providers with secure systems
We take reasonable steps to ensure that all parties uphold strict confidentiality and privacy standards.
Overseas Data Transfers
Where necessary, information may be shared internationally. We ensure any overseas recipients comply with the APPs or maintain equivalent privacy protections.
Protecting Your Information
CPFI deploys best-practice security measures, including:
- Encrypted digital environments
- Controlled staff access
- Regular system reviews and data audits
- Staff training on privacy and cybersecurity
We retain personal information for as long as is necessary to provide our services, meet legal and regulatory obligations, or resolve any disputes. After this period, we will securely destroy or de-identify the information.
Access & Updates
You can request access to or corrections of your personal information by contacting us. We'll respond within a reasonable timeframe and may apply a fee where applicable.
Complaints
If you believe your data has been mishandled:
Contact us directly using the details below and we will work to resolve it promptly.
If unresolved, you may escalate to:
- Office of the Australian Information Commissioner (OAIC) - www.oaic.gov.au
- Australian Financial Complaints Authority (AFCA) - www.afca.org.au
Contact Us
Email: hello@cpfi.com.au
Phone: 1300 673 171
Address: Suite 801, 111 Pacific Highway, North Sydney NSW 2060