Privacy Policy
Anchorpoint Insurance Services Pty Ltd
Last Updated: 3rd February 2026

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1. INTRODUCTION

Anchorpoint Insurance Services Pty Ltd (ABN: [Insert ABN]) ("Anchorpoint," "we," "us," or "our") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you:

• Visit our website

• Make an enquiry or contact us

• Use our services

• Interact with us in any other capacity

By providing us with your personal information, you consent to its collection, use, and disclosure in accordance with this Privacy Policy.

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2. INFORMATION WE COLLECT

2.1 Personal Information

We may collect the following types of personal information:

Contact Information:

• Full name

• Email address

• Phone number

• Business name

• Business address

Business Information:

• Industry or sector

• Nature of business operations

• Number of employees

• Business location

• Current insurance arrangements (if disclosed)

Enquiry Information:

• Information you provide about your insurance requirements

• Timing and urgency of your needs

• How you heard about Anchorpoint

• Any other information you choose to share in enquiry forms or communications

Website Usage Information:

• IP address

• Browser type and version

• Pages visited

• Time and date of visits

• Referring website

• Device information

2.2 Sensitive Information

We do not typically collect sensitive information (as defined under the Privacy Act). If we need to collect sensitive information for any reason, we will seek your explicit consent before doing so.

2.3 How We Collect Information

We collect personal information:

• Directly from you when you submit enquiry forms, contact us, or provide information

• Through our website using cookies and analytics tools

• Through email, phone, or other direct communications

• From third parties (such as insurance brokers), only with your consent

3. WHY WE COLLECT PERSONAL INFORMATION

3.1 Primary Purposes

We collect and use your personal information to:

• Assess your enquiry: Understand your business and insurance requirements

• Facilitate broker introductions: Identify and introduce you to appropriately licensed insurance brokers

• Provide coordination support: Support communication between you, brokers, and insurers throughout the insurance lifecycle

• Respond to your enquiries: Answer questions and provide information about our services

• Maintain records: Keep appropriate records of our interactions and services provided

• Improve our services: Understand how our services are used and identify areas for improvement

3.2 Secondary Purposes

We may also use your information to:

• Send you information about our services (only with your consent)

• Comply with legal and regulatory obligations

• Protect our legal rights and interests

• Conduct internal business operations and administration

We will only use your personal information for purposes you would reasonably expect, or where we have obtained your consent.

4. HOW WE DISCLOSE PERSONAL INFORMATION

4.1 Insurance Brokers

With your explicit consent, we may disclose your personal information to licensed insurance brokers for the purpose of facilitating introductions and supporting your insurance needs.

We will not share your information with brokers without first:

• Obtaining your consent

• Informing you which broker will receive your information

• Explaining why we are making the introduction

4.2 Service Providers

We may disclose your personal information to trusted third-party service providers who assist us in operating our business, including:

• Website hosting and IT service providers

• Email and communications platforms

• Professional advisors (legal, accounting, consulting)

These service providers are required to protect your personal information and only use it for the purposes we specify.

4.3 Legal Requirements

We may disclose your personal information where required or authorized by law, including:

• To comply with legal obligations or court orders

• To protect our rights, property, or safety

• To prevent fraud or illegal activity

• In connection with regulatory or government investigations

4.4 Business Transactions

If Anchorpoint is involved in a merger, acquisition, sale of assets, or other business transaction, your personal information may be disclosed or transferred to the parties involved, subject to confidentiality obligations.

4.5 Other Disclosures

We will not sell, rent, or trade your personal information to third parties for marketing purposes.

We will not disclose your personal information for purposes unrelated to our services without your consent, unless required or authorized by law.

5. DATA QUALITY AND SECURITY

5.1 Data Quality

We take reasonable steps to ensure that the personal information we collect, use, and disclose is:

• Accurate and up-to-date

• Complete and relevant

• Not misleading

You can help us maintain accurate records by notifying us of any changes to your personal information.

5.2 Data Security

We implement reasonable security measures to protect your personal information from:

• Misuse, interference, and loss

• Unauthorized access, modification, or disclosure

Security measures include:

• Secure servers and encrypted data transmission (SSL)

• Access controls and password protection

• Regular security reviews and updates

• Staff training on privacy and data security

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

5.3 Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

6. DATA RETENTION

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected

• Comply with legal, regulatory, and contractual obligations

• Resolve disputes and enforce our agreements

When personal information is no longer required, we take reasonable steps to destroy or de-identify it in accordance with our data retention policies and applicable laws.

7. YOUR RIGHTS AND CHOICES

7.1 Access to Your Information

You have the right to request access to the personal information we hold about you. To make an access request:

• Contact us using the details in Section 11

• Provide sufficient detail to help us locate your information

• Verify your identity (we may require identification documents)

We will respond to access requests within a reasonable timeframe (typically 30 days) and provide access unless an exception applies under the Privacy Act.

We may charge a reasonable fee to cover the costs of providing access to your information.

7.2 Correction of Your Information

If you believe the personal information we hold about you is inaccurate, out-of-date, incomplete, or misleading, you may request that we correct it.

We will take reasonable steps to correct your information and notify any third parties to whom we have disclosed the information (where appropriate).

If we refuse to correct your information, we will provide you with a written explanation and inform you of your right to lodge a complaint.

7.3 Withdrawal of Consent

Where we rely on your consent to collect, use, or disclose your personal information, you may withdraw your consent at any time by contacting us.

However, withdrawing consent may affect our ability to provide services to you.

7.4 Marketing Communications

If you receive marketing communications from us, you may opt out at any time by:

• Clicking the "unsubscribe" link in emails

• Contacting us directly using the details in Section 11

8. COOKIES AND TRACKING TECHNOLOGIES

8.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help us improve your browsing experience and understand how our website is used.

8.2 How We Use Cookies

We use cookies and similar technologies to:

• Remember your preferences and settings

• Analyze website traffic and user behavior

• Improve website functionality and performance

• Provide relevant content and advertising (if applicable)

8.3 Types of Cookies We Use

Essential Cookies: Required for the website to function properly
Analytics Cookies: Help us understand how visitors use our website (e.g., Google Analytics)
Functional Cookies: Remember your preferences and choices

8.4 Managing Cookies

You can manage or disable cookies through your browser settings. However, disabling cookies may affect website functionality.

For more information about cookies and how to manage them, visit: www.aboutcookies.org

9. OVERSEAS DISCLOSURE

We do not typically disclose personal information to overseas recipients.

If we do need to disclose your information overseas (for example, if using cloud storage providers with servers located outside Australia), we will:

• Inform you before the disclosure

• Ensure the overseas recipient is bound by privacy obligations similar to the APPs, or

• Obtain your consent

10. COMPLAINTS AND DISPUTES

10.1 Making a Complaint

If you believe we have breached your privacy or the Australian Privacy Principles, you may lodge a complaint by:

Email: [complaints email]
Mail: [Physical address]

Your complaint should include:

• Your contact details

• A description of the privacy breach

• Any relevant supporting information

10.2 Our Response

We will:

• Acknowledge your complaint within 7 days

• Investigate the matter thoroughly

• Provide a written response within 30 days (or notify you if more time is needed)

• Outline the steps we will take to resolve the issue

10.3 External Complaints

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au

11. CONTACT US

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Anchorpoint Insurance Services Pty Ltd

Email: [email address]
Phone: [phone number]
Mail: [Physical address]
ABN: [Insert ABN]

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other operational needs.

We will post the updated Privacy Policy on our website with a revised "Last Updated" date. We encourage you to review this Privacy Policy periodically.

If we make significant changes that affect how we collect, use, or disclose your personal information, we will notify you by email or through a prominent notice on our website.

13. DEFINITIONS

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

Australian Privacy Principles (APPs): The 13 principles set out in the Privacy Act 1988 (Cth) that govern how organizations collect, use, disclose, and manage personal information.

Privacy Act: The Privacy Act 1988 (Cth), which regulates the handling of personal information by Australian Government agencies and private sector organizations.

This Privacy Policy was last updated on 3rd February 2026

TERMS AND CONDITIONS

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Terms and Conditions
Anchorpoint Insurance Services Pty Ltd
Last Updated: [Insert Date]

1. INTRODUCTION

1.1 About These Terms

These Terms and Conditions ("Terms") govern your use of the services provided by Anchorpoint Insurance Services Pty Ltd (ABN: [Insert ABN]) ("Anchorpoint," "we," "us," or "our").

By engaging our services, submitting an enquiry, or using our website, you agree to be bound by these Terms.

1.2 Definitions

"Services" means the broker introduction and coordination services provided by Anchorpoint as described in these Terms and on our website.

"You" or "Client" means the individual or business entity engaging Anchorpoint's services.

"Broker" means a licensed insurance broker to whom you are introduced by Anchorpoint.

"Website" means [www.anchorpoint.com.au] or any related Anchorpoint digital properties.

2. NATURE OF SERVICES

2.1 What Anchorpoint Does

Anchorpoint provides the following services:

Broker Introductions:
We facilitate strategic introductions between businesses and licensed insurance brokers aligned to their industry, scale, and requirements.

Coordination Support:
We support communication and coordination between clients and brokers throughout the insurance lifecycle.

Claims Coordination:
We provide coordination support during the claims process, working alongside the appointed broker.

2.2 What Anchorpoint Does NOT Do

Anchorpoint:

• Does not provide insurance advice or financial product advice

• Does not recommend, endorse, or guarantee any specific insurance policies

• Does not arrange, issue, or place insurance policies

• Does not assess risks or provide coverage recommendations

• Does not assess, manage, or settle insurance claims

• Does not hold an Australian Financial Services Licence (AFSL)

• Is not an insurance broker and does not act as a broker

2.3 No Advisory Relationship

Anchorpoint does not provide advice, and no advisory relationship is created between you and Anchorpoint. All insurance advice, policy recommendations, and coverage decisions are provided by the licensed insurance broker you engage with.

3. YOUR RESPONSIBILITIES

3.1 Provision of Information

You agree to:

• Provide accurate, complete, and up-to-date information about your business and requirements

• Notify us promptly of any changes to your information or circumstances

• Respond to requests for clarification or additional information in a timely manner

3.2 Engagement with Brokers

Once introduced to a broker, you are responsible for:

• Engaging directly with the broker

• Providing all necessary information to the broker for risk assessment and policy placement

• Making your own decisions regarding insurance coverage

• Paying all premiums, fees, and charges associated with insurance policies

• Complying with policy terms and conditions

3.3 Due Diligence

You are responsible for:

• Conducting your own due diligence on the broker and any insurance products

• Seeking independent professional advice if needed

• Ensuring the broker and insurance products meet your specific needs

Anchorpoint does not warrant or guarantee the suitability, performance, or outcomes of any broker or insurance product.

4. FEES AND PAYMENT

4.1 Service Fees

Anchorpoint charges a fee for its broker introduction and coordination services. Our fee structure will be discussed and agreed upon during our initial consultation before any introductions are made.

4.2 Payment Terms

• Fees are payable as agreed in writing

• Payment is due within [X days] of invoice date unless otherwise agreed

• Payment methods accepted: [bank transfer, credit card, etc.]

4.3 No Commissions from Brokers

Anchorpoint does not receive commissions, referral fees, or any other payments from insurance brokers or insurers. This ensures our introductions are based on genuine alignment and informed judgment, not financial incentives.

4.4 Broker Fees Separate

Any fees, commissions, or charges payable to the broker for their services are separate from Anchorpoint's fees and are payable directly to the broker.

5. LIMITATIONS OF LIABILITY

5.1 No Liability for Broker Actions

Anchorpoint is not responsible or liable for:

• The advice, actions, or omissions of any broker

• The terms, conditions, or coverage of any insurance policy

• The handling, assessment, or settlement of any insurance claim

• Any disputes between you and a broker or insurer

• Any loss or damage arising from the broker's services or insurance policies

5.2 Limitation of Anchorpoint's Liability

To the maximum extent permitted by law:

• Anchorpoint's total liability to you for any claim arising from our services is limited to the amount of fees you have paid to Anchorpoint

• Anchorpoint is not liable for any indirect, consequential, special, or punitive damages

• Anchorpoint is not liable for loss of profits, revenue, business opportunities, or goodwill

5.3 No Warranties

Anchorpoint provides its services on an "as is" basis and makes no warranties or representations, express or implied, including:

• That brokers will accept your business

• That you will obtain insurance coverage on specific terms

• That claims will be paid or settled in a particular manner

• That our services will meet your specific requirements or expectations

5.4 Consumer Law

Nothing in these Terms excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law or other applicable consumer protection laws that cannot be excluded, restricted, or modified by agreement.

6. INTELLECTUAL PROPERTY

6.1 Ownership

All intellectual property rights in our website, content, materials, branding, and services (including text, graphics, logos, images, software, and design) are owned by or licensed to Anchorpoint.

6.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use our website and materials solely for the purpose of engaging our services.

6.3 Restrictions

You may not:

• Copy, reproduce, distribute, or publish our materials without permission

• Modify, reverse engineer, or create derivative works

• Use our branding, logos, or trademarks without authorization

• Use our website or services for unlawful purposes

7. PRIVACY AND CONFIDENTIALITY

7.1 Privacy

We collect, use, and disclose your personal information in accordance with our Privacy Policy, which forms part of these Terms.

By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

7.2 Confidentiality

We will treat information you provide as confidential and will not disclose it to third parties (including brokers) without your consent, except as required by law or as necessary to provide our services.

7.3 Broker Disclosure

With your consent, we will share relevant information with the broker to whom we introduce you to facilitate the insurance process.

8. TERMINATION

8.1 Termination by You

You may terminate our services at any time by providing written notice to Anchorpoint.

If you terminate after an introduction has been made, you remain responsible for any fees incurred up to the date of termination.

8.2 Termination by Anchorpoint

We may terminate our services immediately if:

• You breach these Terms

• You provide false or misleading information

• We reasonably believe continuing the relationship would breach legal or regulatory requirements

• For any other reason with reasonable notice

8.3 Effect of Termination

Upon termination:

• You remain liable for any outstanding fees

• Clauses relating to limitations of liability, intellectual property, and confidentiality survive termination

• Any introductions already made remain valid

9. DISPUTE RESOLUTION

9.1 Good Faith Negotiation

If a dispute arises between you and Anchorpoint, both parties agree to first attempt to resolve the matter through good faith negotiation.

9.2 Formal Complaints

If negotiation is unsuccessful, you may lodge a formal complaint in accordance with our Privacy Policy and complaints procedure.

9.3 Mediation

If the dispute cannot be resolved through negotiation or our complaints process, both parties agree to participate in mediation before pursuing legal action.

9.4 Governing Law

These Terms are governed by the laws of [State/Territory, Australia]. Both parties submit to the exclusive jurisdiction of the courts of [State/Territory].

10. GENERAL PROVISIONS

10.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Anchorpoint regarding our services and supersede all prior agreements, understandings, or representations.

10.2 Amendments

We may update these Terms from time to time. Updated Terms will be posted on our website with a revised "Last Updated" date.

Continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

Significant changes will be communicated to you via email or prominent website notice.

10.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be severed, and the remaining provisions will remain in full force and effect.

10.4 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

10.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent.

We may assign or transfer our rights and obligations to a third party with reasonable notice to you.

10.6 Force Majeure

Anchorpoint is not liable for any failure or delay in performing its obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or government actions.

10.7 Notices

All notices under these Terms must be in writing and sent to:

For Anchorpoint:
Email: [email address]
Mail: [Physical address]

For You:
The contact details you have provided to us

Notices are deemed received when delivered by email or 3 business days after mailing.

11. DISCLAIMER OF ADVICE

11.1 General Information Only

All information provided by Anchorpoint, whether on our website, in communications, or otherwise, is general in nature and does not constitute:

• Insurance advice or financial product advice

• Legal, tax, or accounting advice

• A recommendation to purchase any particular insurance product

• An assessment of your specific circumstances, needs, or objectives

11.2 Seek Professional Advice

You should:

• Obtain advice from a licensed insurance broker before making insurance decisions

• Seek independent professional advice regarding your specific circumstances

• Carefully read and understand all policy terms and conditions before purchasing insurance

11.3 No Reliance

You acknowledge that:

• You have not relied on any statements, representations, or advice from Anchorpoint in making insurance decisions

• All insurance decisions are made based on advice from your appointed licensed broker

• Anchorpoint has no liability for insurance outcomes or decisions

12. REGULATORY COMPLIANCE

12.1 AFSL Status

Anchorpoint Insurance Services Pty Ltd does not hold an Australian Financial Services Licence (AFSL) and is not authorized to provide financial product advice under the Corporations Act 2001 (Cth).

12.2 Broker Licensing

All insurance brokers introduced by Anchorpoint hold appropriate AFSL authorizations and are regulated by the Australian Securities and Investments Commission (ASIC).

You should verify the broker's licensing status on the ASIC Financial Advisers Register: https://moneysmart.gov.au/financial-advice/financial-advisers-register

12.3 Compliance

Anchorpoint operates in compliance with all applicable Australian laws and regulations, including:

• Privacy Act 1988 (Cth)

• Australian Consumer Law

• Competition and Consumer Act 2010 (Cth)

13. CONTACT INFORMATION

If you have any questions about these Terms and Conditions, please contact us:

Anchorpoint Insurance Services Pty Ltd

Email: [email address]
Phone: [phone number]
Mail: [Physical address]
ABN: [Insert ABN]

14. ACKNOWLEDGMENT

By engaging our services, you acknowledge that:

• You have read and understood these Terms and Conditions

• You agree to be bound by these Terms

• You understand the nature and limitations of Anchorpoint's services

• You understand that Anchorpoint does not provide insurance advice

• You will seek appropriate professional advice from licensed brokers

These Terms and Conditions were last updated on [Insert Date]