Crunch Insurance is an Corporate Authorised Representative of Sirius Insurance Pty Ltd, below are the terms and conditions of our website.
Crunch Insurance Pty Ltd
CAR 1321070 | ABN 83 697 731 310
T: 02 8379 7709 | E: info@crunchinsurance.com.au
Corporate Authorised Representative of Sirius Insurance Pty Ltd
AFSL 550946 | ABN 60 606 142 027
P: PO Box 7622, East Brisbane QLD 4169
T: (07) 3667 8230 | E: admin@siriusinsurance.com.au
Our Financial Service Guide (FSG) can be found by clicking here
‘We’, ‘us’ and ‘our’ refer to Crunch Insurance Pty Ltd ABN 83 697 731 310, Corporate Authorised Representative No. 1321070 of Sirius Insurance Pty Ltd ABN 60 606 142 027, holder of Australian Financial Services Licence No. 550946, and our related businesses.
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes for which we have collected it, or as otherwise allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures the protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.
The kinds of personal information we may collect about you include your name, date of birth, address, contact details, occupation, business details, insurance history, claims history, financial information, and any other information we may need to identify you or assist with your insurance needs.
If you apply for any insurance product through us, we may also collect information relevant to that insurance application. This may include sensitive information, such as health information, where it is required for the insurance product or service you are seeking. We will only collect sensitive information, including health information, with your consent or where otherwise permitted by law.
Where relevant, we may also collect credit information if you apply for premium funding or another finance-related product or service connected with your insurance arrangements.
We collect personal information for the purposes of assessing your insurance needs, obtaining insurance quotes, arranging insurance products, managing and administering your insurance, assisting with renewals, managing claims, and maintaining our relationship with you.
We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time, we may offer you other products and services that may be relevant to you.
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used, arranged or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your insurance, your claim, or our business.
Where reasonable and practical, we will collect your personal information directly from you. We may also collect your personal information from other people or organisations, including insurers, underwriters, claims managers, loss assessors, premium funders, finance brokers, accountants, lawyers, authorised representatives, referral partners, and other people or organisations involved in providing services to you.
We may disclose your personal information:
to insurers, underwriters, wholesale brokers, claims managers, loss assessors, premium funders or other intermediaries in relation to your insurance requirements;
to other organisations that are involved in managing or administering your insurance, such as third-party suppliers, printing and postal services, call centres, IT providers and professional advisers;
to associated businesses that may want to market products or services to you, where permitted by law;
to companies that provide information and infrastructure systems to us;
to anybody who represents you, such as brokers, lawyers, accountants or authorised representatives;
to anyone, where you have provided us with consent;
where we are required to do so by law, including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
to investors, agents or advisers, or any entity that has an interest in our business; or
to your employer, referees or identity verification services, where relevant.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment; or
(b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and IT servers may be located outside Australia.
From time to time, to ensure timely processing of applications, renewals, claims or other administrative functions, we may engage the services of external processing companies. These companies may perform administrative functions outside Australia. Where we do so, we will take reasonable steps to ensure your personal information is handled in accordance with the Privacy Act 1988 (Cth).
From time to time, we may use your personal information to provide you with current information about insurance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 02 8379 7709 or by emailing us at info@crunchinsurance.com.au. If the direct marketing is by email, you may also use the unsubscribe function.
We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you, we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate and complete.
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request you make, we may respond to your request immediately. Otherwise, we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information. For example, this may apply if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date, you may request that we correct the information. If appropriate, we will correct the personal information at the time of the request. Otherwise, we will provide an initial response to you within seven days of receiving your request.
Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.
If we collect government identifiers, such as your tax file number, Medicare number or driver licence number, we do not use or disclose this information other than as required or permitted by law. We will never use a government identifier as our own identifier for you.
In most circumstances, it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing personal information, for example, if you make general inquiries about insurance products or services.
We will only collect sensitive information about you with your consent or where otherwise permitted by law. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health information.
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form.
We will also take reasonable steps to protect any personal information from misuse, interference, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us on 02 8379 7709 or by emailing info@crunchinsurance.com.au.
You may also contact Sirius Insurance Pty Ltd at:
Sirius Insurance Pty Ltd
PO Box 7622, East Brisbane QLD 4169
T: (07) 3667 8230
E: admin@siriusinsurance.com.au
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response, you may make a complaint to the Office of the Australian Information Commissioner, which can be contacted at www.oaic.gov.au or on 1300 363 992.
You may request further information about the way we manage your personal information by contacting us.
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and marketplace practices.
As a consequence, we may change this privacy policy from time to time or as the need arises.
You may request this privacy policy in an alternative form.
This Privacy Policy was last updated 1 July 2026.
Bangalow Business Hub
94 Byron St, Bangalow
NSW 2479
Corporate Authorised Representative of Sirius Insurance Pty Ltd
AFSL 550946 | ABN 60 606 142 027
P: PO Box 7622, East Brisbane QLD 4169
Crunch Insurance Pty Ltd
CAR 1321070| ABN 83 697 731 310
Crunch Finance is your one-stop shop to manage all your business loans and business finance, finding you competitive rates on the market.
Crunch Insurance is your one-stop shop for personal insurance, helping you find the right cover to protect the things that matter most.
Crunch Insurance is your one-stop shop to manage all your Business Insurances. Helping you find competitive rates on the market.