Effective Date: 1 December 2025
1. Overview
Your privacy matters to us.
This Privacy Collection Statement supplements the Envest Group Privacy Policy, which explains how the Envest Group collects, uses, holds and discloses personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth). It also explains how you can access or correct the personal information we hold about you and how you can make a privacy complaint.
This Privacy Collection Statement provides additional information about how Penguin Group of Companies Pty Ltd (ABN 52 637 022 069), trading as PBI Pet Insurance, and its related bodies corporate within the Envest Group (collectively referred to as “we”, “our” or “us”) collect, use, hold and disclose your personal information when you use the PBI Pet Insurance website, request a quote, apply for or manage a pet insurance policy, contact us, or make a claim.
2. Definitions
“Personal Information” means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information is true or not, and whether recorded in a material form or not.
“Sensitive Information” is a sub-category of personal information and includes information about an individual’s:
- racial or ethnic origin
- political opinions or memberships
- religious or philosophical beliefs
- trade or professional association memberships
- union membership
- sexual orientation or practices
- criminal record
- health, genetic or biometric information
“Related Companies” has the same meaning as in section 50 of the Corporations Act 2001 (Cth) and includes our group companies and corporate partners.
“You” or “Your” refers to any person whose personal information is collected, held, used, or disclosed by us, including users of our websites or services.
3. Why we need to collect your personal information
We collect personal information that is reasonably necessary for us to arrange, issue, administer and manage pet insurance products and related services. This may include your name, contact details, date of birth, payment information, policy and claims information, information about your pet, communications with us, website usage information, and information required to verify your identity, assess eligibility, calculate premiums, administer your policy, respond to enquiries, and assess or manage claims. We may also collect sensitive information, such as health information about you where relevant to a claim or complaint, only where permitted by law or with your consent.
We may collect personal information directly from you, from your authorised representative, from veterinarians or other service providers involved in your claim, from insurers, underwriting agencies, claims administrators, comparison or referral partners, and from our website and technology service providers.
4. How we use and disclose your personal information
We may use and disclose your personal information to provide and manage pet insurance products and services, including to insurers, underwriting agencies, claims administrators, loss assessors, investigators, veterinarians, repairers or other service providers, payment processors, technology and policy administration providers, data analytics providers, professional advisers, regulators, external dispute resolution bodies, and related companies within the Envest Group.
We may also disclose your personal information for the purposes set out in the Envest Group Privacy Policy.
We do not trade, rent, or sell your information.
5. Information we are required to collect
In some cases, we are required or authorised to collect personal information by law, including under financial services, insurance, taxation, anti-money laundering and counter-terrorism financing, corporations, dispute resolution, record-keeping and prudential or regulatory obligations that may apply to us or our service providers.
- the Privacy Act 1988 (Cth) and the Australian Privacy Principles;
- the Corporations Act 2001 (Cth) and Australian financial services obligations;
- taxation, record-keeping and anti-money laundering and counter-terrorism financing laws; and
- insurance, complaints handling and dispute resolution requirements.
If you do not provide the information we request, or if the information is incomplete or inaccurate, we may be unable to provide you with a quote, arrange or administer your policy, assess or pay a claim, respond to your enquiry or complaint, or meet our legal and regulatory obligations. You may also have obligations to provide accurate and complete information under your insurance policy and applicable insurance laws.
6. Overseas handling, hosting and disclosure of personal information
PBI’s website, quote, policy administration, payment, claims, marketing and customer service arrangements may involve personal information being hosted, stored, accessed, processed or disclosed outside Australia. This means that personal information you provide through the PBI website or in connection with a quote, policy, enquiry, complaint or claim may be handled by overseas organisations and service providers.
These overseas arrangements may occur because technology platforms, data hosting providers, claims administration services, underwriting support, call centre or administrative support, analytics tools, marketing platforms, payment systems, insurers, underwriting agencies, reinsurers or related companies are located overseas or provide services from overseas locations.
- website, quote, policy administration, customer relationship management and data hosting platforms;
- insurers, underwriting agencies, reinsurers and insurance support providers;
- claims administrators, veterinary reviewers, loss assessors, investigators and other claims service providers;
- payment, fraud prevention, identity verification, analytics, reporting, marketing, campaign management and communications providers; and
- related companies, professional advisers, auditors, regulators or dispute resolution bodies where relevant.
Where your personal information is disclosed to an overseas recipient, we will take reasonable steps required by the Privacy Act to ensure that the overseas recipient does not breach the Australian Privacy Principles in relation to that information, unless an exception applies. These steps may include contractual privacy and confidentiality obligations, access controls, information security requirements, data handling instructions, due diligence on service providers, and restrictions on further use or disclosure.
We may remain accountable under Australian privacy law for how overseas recipients handle personal information that we disclose to them. In some cases, overseas recipients may also be subject to privacy, data protection or confidentiality laws in their own country.
- United Kingdom (UK)
- Malaysia
- South Africa
- Singapore
We will identify the countries in which overseas recipients are likely to be located where it is practicable for us to do so. Based on the current operating model, overseas recipients may include organisations or service providers located in the United Kingdom, Malaysia, South Africa, Singapore and any other countries in which relevant insurers, underwriting agencies, reinsurers, claims administrators, technology providers, hosting providers, analytics providers or support service providers operate.
7. Direct Marketing
Where permitted by law, Penguin Group of Companies Pty Ltd may use your personal information to send you information about products, services, offers, promotions, updates or partner services that may be relevant to you.
- Product and service updates
- Newsletters, offers, or promotions
- Information from related companies or partners
You may receive these communications from Penguin Group of Companies Pty Ltd, or from one of our related businesses within the Envest Group.
You may opt out of marketing communications at any time by using the unsubscribe instructions in the communication or by contacting us directly. We will action opt-out requests within a reasonable period.
We may also use third-party services for campaign management and data analytics. These providers are subject to strict contractual confidentiality obligations.
8. Further information
More information about how we handle personal information, including how you can access or correct your personal information, how you can make a privacy complaint, how we will deal with that complaint, and how to contact us about privacy matters, is available in the Envest Group Privacy Policy.