This is the privacy policy statement for Trades Cover Insurance and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, Trades Cover Insurance may collect your name, phone number, email address, postcode and other details relevant to the type of service you are requesting.
This information is used to facilitate your referral to a participating third-party broker, lender, insurer or other provider. Trades Cover Insurance, on behalf of Clark Family Pty Ltd, will ordinarily provide your enquiry to a participating provider selected through our referral network so that they can contact you directly and provide the services you have requested.
We may also disclose information where reasonably necessary to administer your referral, respond to your enquiry, meet our legal or regulatory obligations, investigate a complaint, or manage the operation and compliance of our referral service.
We may also receive information from participating brokers, lenders, insurers or other providers about the progress or outcome of an enquiry, application or referral, including through secure electronic systems or APIs. We may use this information for purposes connected with administering the referral, customer service, quality assurance, record keeping, remuneration or referral reconciliation, complaint handling, and compliance or regulatory reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your enquiry.
Disclosure of Personal Information
We may disclose your personal information to participating brokers, lenders, insurers or other providers where necessary to facilitate the referral or service you have requested. We may also disclose personal information where reasonably necessary to administer our referral service, respond to an enquiry or complaint, comply with legal or regulatory obligations, or engage service providers that assist us in operating our business.
Participating providers are required to handle personal information provided through our referral service in accordance with applicable privacy laws and the requirements governing their participation in our referral network.
We do not currently disclose personal information to overseas recipients. If our information-handling practices change and personal information is likely to be disclosed to recipients outside Australia, we will update this Privacy Policy as required.
Please note: Once you are referred to a third-party broker, lender, insurer or other provider, that provider's own privacy policy and terms will apply to information you subsequently provide directly to them.
Cookies and Tracking Technologies
Trades Cover Insurance uses cookies and similar technologies to support website functionality, maintain session information, understand how visitors interact with our website and improve system performance and user experience.
We may also use third-party analytics, advertising or measurement services that use cookies, pixels or similar technologies. Depending on the technology used, these services may collect information about your device, browser, pages visited and interactions with our website.
Where these technologies involve the collection, use or disclosure of personal information, we take reasonable steps to ensure that they are used consistently with applicable privacy requirements. We seek to limit the information collected to what is reasonably necessary for the relevant purpose.
You can control or disable cookies through your browser settings. Where additional consent is required for particular tracking or advertising technologies, we may provide additional notices or consent controls when you use the website.
Security and Retention of Personal Information
We take reasonable steps to protect personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. These measures may include access controls, secure systems, authentication measures and other technical and organisational safeguards appropriate to the information being handled.
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including administering referrals, responding to enquiries, maintaining appropriate business and compliance records, resolving complaints and meeting legal or regulatory obligations.
When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to any legal or record-keeping requirements.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access, such as photocopying or postage.
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete or misleading. We will respond to access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing or provide information necessary to verify your identity before providing access to personal information.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
Fresh regulatory attention on insurance pricing practices is a timely reminder for Australian tradies to look past the headline premium and check whether the policy they are paying for still matches what was promised. ASIC has again put insurers on notice over the need for fair, accurate and well-controlled pricing systems, particularly where customers are told they will receive discounts, loyalty benefits or other premium adjustments. - read more
A fresh push to reform how NSW funds emergency services has put insurance affordability back in the spotlight, especially for small businesses that already feel every increase at renewal time. The issue centres on the Emergency Services Levy, which is applied through many insurance policies and has long been criticised by parts of the insurance sector as a disincentive to maintaining adequate cover. - read more
A fresh review of Australia’s cyclone reinsurance pool has put insurance access and affordability back in the spotlight for communities and small businesses across northern Australia. The pool was designed to reduce pressure on premiums for cyclone and cyclone-related flood damage by giving insurers access to government-backed reinsurance. - read more
APRA’s latest general insurance statistics point to a sector that is in a stronger financial position than it was during the worst of recent inflation, repair-cost and catastrophe pressures. For Australian tradies, that sounds positive at first glance: a well-capitalised insurance market is better placed to pay claims, support recovery after major loss events and keep products available across higher-risk occupations and regions. - read more
Public liability insurance can help small trade business owners manage the financial impact of third-party injury or property damage claims connected with their business activities. For Australian tradies working on-site, in clients' homes or around other people's property, understanding how this cover works is an important part of managing business risk. - read more
Tradies in Australia may need insurance because of legal obligations, licensing rules, contract terms or practical business risk. This guide explains the main situations where cover may be required and what to check before starting work. - read more
Trades insurance can help protect a trade business from liability claims, tool theft, work vehicle damage, income interruption and other risks, but cover depends on the policy wording. Understanding exclusions, limits, sublimits, excesses and policy conditions can help tradies compare options more carefully and avoid assumptions about what is covered. - read more
For tradies across Australia, tools and equipment are vital to their daily operations. Imagine waking up to find that your essential tools have been damaged or stolen. The financial impact can be significant, affecting not only your ability to work but also your potential earnings. - read more
Knowledgebase
Endorsement: An amendment or addition to an existing insurance policy that changes the terms or scope of the original policy.
