Privacy policy
Plain English, like everything else we do: this page explains what personal information we collect, why, where it goes and what your rights are. Last updated 14 July 2026.
Who we are
Umbrella Insurance Advice Pty Ltd (ABN 28 689 917 084), referred to here as "Umbrella", "we" and "us", is an Authorised Representative of Nexa Life Solutions Pty Ltd (ABN 85 672 917 896, AFSL 563622). We are committed to handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
What we collect
We only collect what we need for the purpose you contact us for. Depending on how you interact with us, that can include:
- Contact details: your name, phone number, email address and preferred contact time when you call, email, book a call or request a callback.
- Enquiry context: the general topic you want to talk about (for example, which cover types you are interested in and whether you already hold cover).
- Appointment details: the time you book and related scheduling information.
- Website data: technical information such as pages visited, device and browser type, and approximate location, collected through cookies and similar technologies where analytics or advertising tools are enabled (see "Cookies and analytics").
We do not ask for health information, claim details, policy numbers or financial documents through this website. If you choose to share information like that during the advice process, it is collected with your consent, used only for providing that service, and handled under the privacy arrangements that apply to the advice process, which are explained to you at the time.
How we use it
- To respond to your enquiry, arrange and hold appointments, and provide our services.
- To send you information you have asked for and reasonable follow-up about your enquiry.
- To meet our legal and regulatory obligations as an authorised representative.
- To understand how the website is used so we can improve it.
We do not sell personal information. We only send marketing communications where the law permits it, and every commercial email includes a working unsubscribe. If you opt out, we honour it.
Who we share it with
We use a small number of service providers to run our business, and we share personal information with them only for the purposes above:
- Customer relationship and booking systems (currently HighLevel/LeadConnector): stores contact details, enquiry context and appointments. Data may be stored on servers located in the United States.
- Website hosting and security (currently Cloudflare): processes standard server logs to deliver and protect the website.
- Analytics and advertising platforms (Google and Meta, where enabled): receive cookie-based usage data as described below. We do not send them your name, email, phone number or enquiry details.
- Our licensee (Nexa Life Solutions Pty Ltd) and its service providers, where required in connection with the financial services we are authorised to provide.
- Insurers and product providers: only if you proceed into an advice or application process, and only with your knowledge.
Some of these providers store information overseas (principally the United States). Where that happens, we take reasonable steps to ensure your information is handled consistently with the APPs.
Cookies and analytics
The website may use cookies and similar technologies for analytics (to understand how pages are used) and advertising measurement (to understand whether our ads work). These tools collect technical and usage information rather than your identity. You can control or delete cookies through your browser settings, and the website remains usable with cookies disabled.
How we store and protect it
Personal information is held in access-controlled systems provided by the services listed above. We limit access to people who need it to help you, use reasonable technical and organisational safeguards, and keep information only as long as it is needed for the purposes above or as the law requires. When it is no longer needed, we take reasonable steps to delete or de-identify it.
Access, correction and questions
You can ask us at any time what personal information we hold about you, ask us to correct it, or ask us to delete it where the law allows. Contact justin@umbrellainsuranceadvice.com or call 0468 015 869. We respond to privacy requests within a reasonable time, usually 30 days.
Complaints
If you believe we have mishandled your personal information, contact us first at justin@umbrellainsuranceadvice.com and we will look into it. If you are not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992.
Changes to this policy
We update this policy when our tools or processes change, and the date at the top always reflects the latest version. Significant changes will be flagged on this page.
Contact
Umbrella Insurance Advice Pty Ltd
81-83 Campbell St, Surry Hills NSW 2010
justin@umbrellainsuranceadvice.com ยท 0468 015 869