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Privacy Policy

Konkrd Privacy Policy

1. Our Privacy Commitment

Konkrd takes the protection of your personal information very seriously. This Privacy Policy explains how we collect, use and disclose your personal information, and how you can access or correct it. We are bound by the Australian Privacy Principles in the Privacy Act 1988 (Cth) and any relevant state or territory legislation. Please read this Policy carefully, and contact us if you have any questions or concerns.

Who this Policy covers
This Policy does not apply to Konkrd employees (about whom we hold separate employment records). It applies to personal information we handle in providing comparison, referral, and product storage services to the public.

2. How We Collect and Hold Your Information

  1. Directly from You
    • When you request a quote or comparison using our website, App or over the phone.
    • When you enquire about or purchase a product through Konkrd.
    • When you call, email, or use live chat with our support team.
    • When you upload documents to your digital wallet.
    • When you participate in promotions, competitions, or feedback surveys.
    • When you interact with our chatbot via external messaging platforms such as WhatsApp.
  1. From Third Parties
    • If you’ve been referred to us by a partner organisation.
    • Marketing or comparison lists purchased from reputable third parties, with appropriate consent.
    • Third-party platforms if they help us improve or verify the information we hold.
  1. Keeping Your Data Secure
    • We store personal information in electronic form within secure systems.
    • We use industry-standard encryption for data in transit and at rest.
    • Access to your information is restricted to authorised personnel who need it for legitimate tasks.
    • For phone calls, we securely store call recordings and transcripts (where relevant) for training and quality assurance, always in compliance with legal obligations.

Retention: We retain personal information only as long as necessary to fulfil the purposes for which it was collected or to comply with legal obligations. If you stop using Konkrd’s services, you can request that we delete or de-identify your data (subject to legal retention requirements).

3. What Information We Collect

  • Personal Details: Name, address, date of birth, contact details (phone, email).
  • Product Requirements: Insurance needs, financial goals, or health related information (for certain products).
  • Identifiers: In some cases, we may need government identifiers (e.g. driver’s licence, Medicare number) if lawfully required for certain product comparisons.
  • Documents: Any policies or official paperwork you choose to store in the Konkrd digital wallet.
  • Sensitive Data: If you apply for health or life insurance, we may need some health or lifestyle details. We only collect sensitive information with your explicit consent.

Anonymity / Pseudonymity Where it is legally and practically possible, for example, if you’re only browsing our site or making a general enquiry, you may interact with Konkrd without identifying yourself or by using a pseudonym.

However, once you ask us to:

  • generate accurate quotes or comparisons tailored to your circumstances;
  • submit an application to a product provider;
  • complete a purchase or arrange policy fulfilment; or
  • store official documents in your Konkrd digital wallet, we must collect and verify your true personal details (e.g. name, date of birth, address, contact information and, in some cases, government-issued identifiers).

Without this accurate information we cannot:

  • guarantee that a quote reflects the price or cover you will actually receive;
  • lodge your application or finalise a sale with a provider; or
  • perform ongoing product management or compliance obligations.

If you choose not to provide the required information, we’ll still explain your options, but you may be unable to access some or all Konkrd services.

4. Why We Collect Your Information

We collect, hold and use your personal information to:

  1. Provide Services
    • Compare, arrange, or update the products you’re interested in.
    • Follow up on enquiries and process applications.
    • Manage your digital wallet (including storing and securing your policy documents).
  1. Support and Communication
    • Verify your identity if you call or message us.
    • Address any customer service needs or disputes.
    • Keep you up to date on new products or changes to your existing ones.
  1. Legal and Regulatory Compliance
    • Fulfil obligations under financial, insurance or privacy laws.
    • Meet the requirements of our product providers and relevant authorities.
  1. Internal Improvement
    • Train our AI models, strengthen security, and enhance user experience.
    • Conduct research, analytics, and quality checks to improve our service.

5. Data Protection and Localisation

  • On-Device Encryption and Secure Cloud
    We employ a mix of on-device and cloud-based services to power our App and website. Wherever feasible, we store the data in systems located in Australia or in jurisdictions with comparable privacy standards.

  • Limited Transfer
    We do not send your personal data to overseas data centres unless it’s unavoidable for secure processing or backup. Where overseas transfers do occur, we ensure the recipient is bound by robust data protection measures.

6. Disclosure of Your Information

  1. Product Providers
    • If you decide to purchase or apply for a product through Konkrd, we share your necessary information with the provider to finalise the transaction.
    • Some providers let you complete your purchase on their own platform. In this case, the provider may share back relevant details with us.
  1. Service Providers
    • We rely on trusted partners for hosting, payment processing, IT support, and marketing.
    • These partners are contractually required to protect your personal information and use it only for the tasks we’ve engaged them to do.
  1. Compliance and Law
    • If required by law or court order, we may disclose your personal information to regulators, law enforcement, or legal advisors.
  1. Overseas Disclosures
    • Some of our service providers operate internationally (including in cloud environments). If your data needs to be processed overseas, we take measures to ensure your privacy rights remain protected.

7. Direct Marketing

  • Our Communications
    We may use your details to inform you about new or related products and services we think you’ll find useful. This might be via phone, email, SMS, or push notifications.

  • Opt-Out Anytime
    If you prefer not to receive marketing messages, you can unsubscribe at any time using the link in our emails or by contacting us directly. We’ll respect your preference straight away.

8. Access and Correction

  • Access to Your Information
    You can request access to the personal information we hold about you. Simply contact us. We’ll respond within a reasonable period (typically 30 days), and we’ll explain any fees or requirements upfront.

  • Correction of Inaccurate Data
    If you spot errors or your details change, let us know. We’ll do our best to update our records promptly. We may request documentation or proof to ensure accuracy.

9. Cookies and Website Usage

  • Cookies and Other Technologies
    We use cookies, web beacons, and similar tools on our website and App to improve your browsing experience, tailor our services, and gather anonymous usage statistics.

  • Your Choices
    You can adjust your browser settings to block cookies, but this may affect the functionality of some features on our site.

10. Complaints and Contact

  • If You Have Concerns If you believe there’s been a breach of your privacy or you have any concerns about how we handle your information, please contact our Privacy Officer (details below).
  • Resolution Timeframe We aim to investigate and provide a written response within 30 days. If we need more information, we’ll let you know promptly.
  • External Options If you’re unhappy with our response, you can escalate your complaint to the Office of the Australian Information Commissioner by calling 1300 363 992 or visiting www.oaic.gov.au.

11. How to Contact Us

If you have questions about this Policy, want to request a copy of it, or need to update or access your personal information, you can reach our Privacy Officer:

Privacy Officer

Konkrd Pty Ltd
7/14 Concord Crescent
Carrum Downs/VIC/3201
Email: [email protected]
Phone: Coming Soon

12. Updates to This Policy

We may update this Privacy Policy from time to time. The current version will be posted on our website, and significant changes will be clearly communicated.
Effective Date: June, 2025

Thank you for trusting Konkrd with your personal information. We are committed to safeguarding your privacy and continually improving our processes to ensure your data is secure and handled responsibly at all times. If you have any questions, please don’t hesitate to get in touch.

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