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Privacy Policy
The following privacy statement applies to Pacific MMI Insurance Limited website (the Site) and should be read in conjunction with the General Terms and Conditions of Use. By viewing and using this Site you will be deemed to agree to this privacy statement. If you do not agree to this privacy statement you should stop accessing and using the Site.

1. Collection: Pacific MMI Insurance Limited may gather two types of information about you from the Site: (a) personal information, provided by you at the time of any voluntary registration which may be required for the services Pacific MMI offers, or through voluntary completion of any forms (or similar) on this Site; and (b) aggregate information generated by Pacific MMI systems, which track traffic to the Site but do not relate to you personally. Failure to provide necessary personal information when requested may result in certain services not being available to you.

2. Disclosure of Information: Pacific MMI may disclose to third parties: (a) any information that Pacific MMI gathers about you for the purposes of providing the services requested by you; (b) aggregate tracking information and other information that does not personally identify you; (c) your personal information, when Pacific MMI believes in good faith that Pacific MMI is required to do so by law; (d) your personal information, provided Pacific MMI has your prior authorisation, which Pacific MMI will usually obtain at the time of collecting the information from you.

3. Use: Pacific MMI uses the personal information it collects: (a) to verify your identity and assist you if you forget your password or login details that are required for any of Pacific MMI's registration services; (b) to assist in providing the services requested by you; (c) to provide further information to you about other websites and services, or which Pacific MMI considers may be of interest to you; (d) for future marketing, promotional and publicity purposes, including direct marketing, market research and surveys; (e) for ensuring that you are shown the information that is most relevant to you and your interests; and (f) for any other use that you authorise.

4. Cookies and Tracking: Pacific MMI may use a "cookie" file containing information that can identify the computer you are working from. The cookie file does not identify you or your business personally, as it only gives Pacific MMI details of your IP address, PC platform (e.g. Windows, Linux or Mac), Browser (e.g. Internet Explorer, Netscape, Firefox or other, plus the version of Browser) and domain (whether you are accessing the Site from PNG or elsewhere). Pacific MMI may use the information generated by cookies: (a) to track traffic patterns to and from the Site; (b) to ensure any advertising is being shown to the most appropriate party; and (c) to enable you to enter the Site and use certain services as a member without having to log on each time and to visit any registered user only areas of the Site. You can choose to refuse cookies by turning them off in your browser and/or deleting them from your hard drive. You do not need to have cookies turned on to use the Site, but you may need them for customizable areas of the Site that Pacific MMI may develop in the future, or to access and benefit from certain functionality offered by the Site.

5. Content Providers, Advertisers and Partners: Pacific MMI does not control the practices of any content providers, partners and advertisers connected with the Site and to whom you provide personal information whilst using one of their sites or services. The Site contains links to other sites, which may not follow the same privacy policies as Pacific MMI. Pacific MMI recommends that you check any relevant privacy policies before providing your personal information to any third party.

6. Opting in and Opting Out: If Pacific MMI's intended collection, use or disclosure of your personal information is outside the collection, use or disclosure set out in this Privacy Statement Pacific MMI will give you the option: (a) to opt out and not receive certain services or participate in certain interactive areas; or (b) to opt in to agree to be contacted by Pacific MMI in relation to certain matters such as notification of new features to the Site, beta testing or promotional activities.

7. Holding, Correcting and Updating: Any personal information that you provide to Pacific MMI will be collected and held by Pacific MMI at its official place of business in Papua New Guinea as advised on the Site from time to time. Pacific MMI offers the ability to correct or change the information collected at any time and as often as necessary. If you have any questions about how Pacific MMI services work or regarding this statement, contact us by sending an email to