Territory Insurance Office (“TIO”) is a division of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 (“Allianz Australia”1) in the Northern Territory. At TIO we understand that data privacy is important to you and we respect the confidentiality of the information that we hold about you. This Privacy Policy explains how we comply with our obligations under the Privacy Act 1988, specifically:
This Privacy Policy applies to insurance products provided and / or serviced by TIO 2, websites and apps, as well as events such as TIO conferences, training, and promotional activities.
Allianz Australia collects personal information so we can provide our products and services. The types of information collected depends on the nature of your insurance product and the context of your dealings with us. For instance, medical information may only be required in the context of workers' compensation or motor insurance products. Some of the information we collect is because the law requires us to do so. When we collect personal information, we will take reasonable steps to explain the main purposes for doing so.
Depending on the context in which we provide our products and services we may collect the following information types:
Type of Information | Examples |
Contact details | Name, address, email address, phone number |
Interaction information | A record of any interaction that you may have had with us, including information you or someone acting on your behalf provides to us when applying for a product or service. |
Demographic information | Date of birth, gender, country of birth, relationship status and family circumstances, whether you have children, dependents or are a carer, your living arrangements. |
Digital information | Information about your use of our websites or apps including IP address, browser type, operating system, installed applications, device settings, unique device identifiers, advertising identifiers, pixels, cookies, approximate geolocation, and other similar mobile device data. |
Professional information | Your education, occupation, job title, employer, employment status, salary, employment benefits, professional certifications, licenses, and training, and any industry-specific memberships or professional associations to which you belong. |
Financial information | Your income, income sources, property ownership, assets, financial liabilities, investments, commissions, bankruptcy/insolvency status, bank account and credit card details, and transaction information. |
Insurance information |
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Account and login information | Account username, password, security question and answer to provide you with secure access to your account. |
Claim information |
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CCTV, video recordings, and images | CCTV, photographs and video footage from Internet of Things (IoT) devices such as dashcams or doorbell cameras for evidence and security purposes. |
Government identifiers | Information contained in identity documents or government issued documents such as Driver Licence Details, Passport Details, Individual Health Identifiers, Medicare Number, Centrelink Number, Tax File Numbers. |
Investment information | Number of securities you hold, Holder Identification Number (HIN), Security Reference Numbers (SRN). |
Interests | Your travel history, interests, hobbies, or preferences inferred from your interactions with our products and services such as the subscription to the boating magazine and any other information that you have given us. |
Depending on the insurance product or service you are requesting or the dealings you have with us, we may also collect sensitive personal information about you. This is especially relevant in cases involving workers' compensation and motor insurance, or when there are indicators of customer vulnerability.
We will obtain your consent before collecting sensitive information about you (such as health information), unless we are required or permitted by law to collect that sensitive information without your consent.
Type of Sensitive Information | Examples |
Call Recordings | Call audio recordings and transcripts. You will be notified when call recordings are made and your consent will be obtained where required. |
Citizenship and immigration Information | Citizenship, residency or visa status. |
Health, medical or lifestyle information | Medical diagnostics, reports, and assessments, vaccination history, drug and alcohol tests, and other relevant health data and identifiers where relevant to underwriting, managing, or processing a personal injury policy or claim. |
Driving, criminal records, and background checks | Driving licence conditions, history or suspensions, demerit points, previous accident and claims history where relevant to underwriting, managing, or processing a motor insurance policy or claim. We may also conduct inquiries into your criminal history and conduct background checks, where relevant, regarding claims and to effectively manage supply chain and onboarding risks, particularly when engaging with Distributors and Service Suppliers. |
Vulnerability information | We may collect information about your age, disability, mental or physical health conditions, instances of family violence, language and literacy barriers, cultural background, Aboriginal or Torres Strait Islander status, remote location, and financial hardship to provide tailored support and care as required under regulatory and contractual requirements as well as Industry Standards and Codes. |
Inferred Sensitive information | We do not request information about your religious beliefs, sexual orientation, or any groups you are part of. However, we might be able to understand these aspects from the details you share with us during our interactions. |
Where possible, we collect personal information directly from you. We may also collect information through third parties, including:
It is important that you understand why Allianz Australia collects, holds, uses or discloses personal information about you.
Business Function or Activity | Example |
Provide Customer Service |
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Provide Insurance Products and Services |
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Business Administration |
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Managing fraud, (cyber) security, and financial crime risk |
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Complying with our legal and regulatory obligations |
Certain laws authorise or require us to collect, use and disclose your personal information. These laws include: Anti-Money Laundering and Counter-Terrorism Financing Act 2006, Autonomous Sanctions Act 2011, Corporations Act 2001, Australian Securities and Investments Commission Act 2001, Personal Property Securities Act 2009. |
Investor Relations | Managing investor and shareholder relations. |
Research and Analytics | We may also use your information to:
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Business Development and training | Identify and contact individuals and entities who may wish to do business with us and offer training events. |
Algorithms, automated decisions and AI | Occasionally, we (or our Business Partners) may use personal information in artificial intelligence (AI) tools to enhance the quality and responsiveness of our services and products, prevent fraud, and enhance the security of our systems and platforms. For instance, we may ingest personal information to such tools in order to automatically summarise, transcribe, or analyse interactions you have with us such as phone calls or online chats. These models are designed to support the quality and responsiveness of our customer service efforts. To ensure we meet privacy and ethical standards, we conduct a Privacy and Ethics Impact Assessments whenever we (or our Business Partners) use personal information in an AI tool. Unless we have specifically informed you, or obtained your consent, we do not use AI tools to make determinations regarding your eligibility for a product or the outcome of a claim. We do not use sensitive personal information in AI tools unless we have specifically informed you or obtained your consent. Allianz | Data Ethics and Responsible AI |
We may collect and use Digital Information to enhance your experience and improve our services and provide you with a personalised customer experience. Digital Information helps us understand how you interact with our platforms and allows us to tailor our services to better meet your needs and to detect and prevent suspicious activities and enhance the security of our systems. You can manage your privacy settings and control the data we collect through your device settings.
We may collect information about your visit to our website to assist us to measure and improve our website. Examples of information that we collect include: date and time of your visit, whether you have previously visited our website, or if you used a search engine to find us and some geographical information about what country and state you are in.
We use website analytics tools to collect visitor information so that we can better understand how to improve our products and services for you. These tools use interaction tracking technology in the form of small information files that are placed on a website visitor’s device through their browser when they visit a website. These files may be referred to as ‘cookies’, ‘pixels’, ‘widgets’ or ‘scripts’. For information on turning off these files, go to the privacy settings section within your browser.
In addition to these files, website analytics tools use other data collection methods such as appending query strings to an image request. We store website analytics data securely and do not share it with third parties.
We also use third party tracking tools, for example, through Google Ads. These tools enable us to display tailored advertising to you on different websites across the internet based on your prior visits to our website. We do not collect any identifiable information about you through this process.
We also use other external companies for the following purposes:
On occasion, we may advise you about products, services, and information that may be relevant and of interest to you. We do not use or disclose sensitive information for the purposes of direct marketing.
We sometimes conduct customer and market research to gain insights into trends, preferences, and brand perceptions. This helps us improve existing products and services and be responsive to customer needs.
Depending on your marketing preferences, you may be contacted by mail, telephone, email, SMS or other electronic means, such as through social media or targeted advertising.
If you do not want to receive these offers from us (including product or service offerings from us on behalf of Distributors, contact us or opt-out using the link included on all marketing messages we send you.
We may disclose your personal information to others for the purposes specified in the section above. This may include disclosure to:
We will not disclose your sensitive information for any other purposes other than the purpose for which it was collected unless the disclosure is directly related to the secondary purpose, you consent to it, or we are required or permitted by law to disclose that sensitive information.
In some instances, your personal information may be disclosed to and stored by companies in the Allianz Group and our Business Partners (including providers of our virtual online assistant and any online chat function) that may be located overseas. The countries in which these recipients may be located will vary depending on the services and products we provide to you and may change from time to time but could include without limitation Germany, France, United Kingdom, Romania, Singapore, Hong Kong, Malaysia, Thailand, India, Philippines, New Zealand, Brazil, Canada, and United States of America.
We take reasonable steps to ensure the security of our systems and to protect personal information from misuse, interference and loss as well as unauthorised access, modification or disclosure.
Key measures we implement in protecting your information include:
User Access Controls, Encryption, Firewalls: Implementing technical safeguards to prevent unauthorised access to systems and data.
Internal Procedures and Systems: Internal standards and procedures that control how personal information is stored, accessed, and disclosed, including conducting Privacy and Ethics Impact Assessments and ongoing privacy awareness training.
Secure Buildings and Systems: Restricted access to systems and buildings to only those employees, contractors, and agents who need it to fulfill their duties with strict confidentiality obligations.
If you would like to let us know of security concerns you can contact us at 131 846 or send us an email.
Access: You have the right to request access to personal information that we hold about you. Any privacy access request that you make is limited to personal information about you. We will typically deal with your request to access your personal information within 30 days.
Your access to your personal information is subject to some exceptions under applicable privacy laws. Some of these exceptions include circumstances where we reasonably believe that access would have an unreasonable impact on the privacy of others, the information is protected by law, release of the information would be prejudicial to us in relation to a dispute or complaint, and/or the information is commercially sensitive.
If we can’t give you access to information your are requesting, we will tell you why in writing or we will redact the information we cannot give to you.
We will need to verify your identity before we can provide you with access to information that we hold about you. There is generally no fee for lodging a privacy access request but sometimes we may charge you an administrative fee to recover our costs for actioning your request. We will let you know before we do so.
Correction: You have the right to request that we correct personal information that we hold about you if you think it is inaccurate or incomplete. We will need to verify your identity and accuracy of the information provided before making any changes to the personal information we hold.
Opt Out: You may opt-out to receive communications from us when you interact with us or by clicking ‘unsubscribe’ in the footer of any marketing or promotional email.
Raising concerns: If you think we have not handled your personal information correctly or in accordance with the law please contact us using any of the following channels:
Alternatively, call 131 846 to speak to our team within the following hours:
Monday to Friday, 8 AM to 6 PM AEDT
Territory Insurance Office
GPO Box 770, Darwin, NT 0801
Upon receipt of your complaint, our team will:
If you believe that we have not met our privacy obligations in our handling of your personal information, please contact us.
If you are unhappy with the resolution of your request or with the way that Allianz Australia has handled your information, you may refer the matter to the Office of the Australian Information Commissioner.
We may make changes to this Privacy Policy from time to time by publishing changes to it on our website.
Last updated: 23 March 2026
1Allianz Australia means Allianz Australia Limited and its wholly owned subsidiaries including Allianz Australia Insurance Limited trading as Territory Insurance Office (TIO).
2For example Home and Content, Car Insurance, Business Insurance Products, Motor Accidents Compensation Commission (MACC), Workers Compensation, Accident and Health.