This is the privacy policy statement for Key Person 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, Key Person 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 match you with a suitable financial services provider or lender. Key Person Insurance, on behalf of Clark Family Pty Ltd, provides this information to one (and only one) of our trusted network of third-party partners (brokers, lenders, and insurers) so that they can contact you directly and provide the services you have requested.
We may also receive information from our broker, insurer, and lender partners, including updates or outcomes of your application, via secure electronic systems or APIs. This information is used solely for customer service, quality assurance, and compliance 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 inquiry.
Disclosure of Personal Information
We may disclose your personal information to third-party providers, brokers, lenders, or service partners, some of whom may be located outside Australia. Where this occurs, we will take reasonable steps to ensure that these recipients handle your information in accordance with the APPs and maintain confidentiality and data security.
We require all third-party partners to comply with strict privacy and confidentiality obligations and to use your personal information only for the purpose of responding to your inquiry or providing the services you have requested.
Please note: Once you are referred to a third-party provider, their own privacy policy and terms will apply to any information you provide directly to them.
Cookies and Tracking Technologies
Key Person Insurance uses cookies to record session information and understand visitor interactions, including which pages are viewed. Cookies help us enhance system performance, improve user experience, and avoid showing you the same promotional material repeatedly.
We may also use third-party advertising or analytics services that employ cookies, pixels, or web beacons to measure ad performance and deliver relevant content. These partners may collect anonymous information about your visits to this and other websites.
By continuing to use our website, you consent to our use of cookies, including those from third-party providers, for analytics and marketing purposes.
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 (e.g., 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 all 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 for security reasons.
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.
Australia’s life insurance sector is moving closer to a major change in how genetic information is treated during underwriting. The Federal Government has been progressing a legal ban on the use of adverse genetic test results in life insurance assessments, replacing the industry’s current self-regulated approach with stronger consumer protections. - read more
Australia's latest financial complaints trends are a timely reminder that life insurance is not just about the premium on the page. For business owners arranging key person insurance, the real test of a policy often comes at the most stressful moment: when a claim needs to be assessed quickly, clearly and fairly. - read more
The Federal Government’s updated expectations for APRA and ASIC have introduced a fresh regulatory backdrop for Australia’s life insurance sector, with a stronger emphasis on productivity, innovation, competition and proportionate oversight. Released on 16 July 2026, the statements do not remove the regulators’ independence, but they do clarify how the Government wants financial regulation to support a stable, competitive and more responsive market. - read more
Canstar’s latest 2026 life insurance research has put fresh numbers around a familiar pressure point for Australians: premiums are still rising, even if the increase is relatively modest. Based on Canstar’s direct life insurance rating work, average life insurance costs were reported to be $14.60, or 0.84%, higher in 2026 compared with the previous year’s national averages. - read more
Keyperson insurance is a type of business insurance designed to protect companies from financial losses that may occur due to the sudden loss of a crucial team member. This insurance policy provides a financial safety net that companies can rely on in difficult times, ensuring continuity and stability. - read more
Keyperson life insurance is a special type of coverage designed to protect businesses against the financial impact associated with the loss of a key team member. Essentially, it acts as a safety net for companies, ensuring that the sudden loss or absence of crucial personnel doesn't jeopardize business operations or continuity. - read more
Key person insurance is a form of business insurance designed to help protect a company when a vital person, such as a business owner, executive or indispensable employee, dies, becomes incapacitated or is otherwise unable to continue in their role under the terms of the policy. It provides a financial safety net for the business during a difficult transition. - read more
Knowledgebase
Public Liability Insurance: Insurance which provides protection against liability to third parties.
