We don't sell your data.

Last updated: 2026-07-26.

This policy explains how TYKHE DIGITAL GROUP PTY LTD t/a Life Covers (ABN 40 636 813 057) handles personal information collected through lifecovers.com.au. We handle personal information as described in this policy and in accordance with applicable Australian privacy law. Where there is any conflict between this policy and the law, the law applies.

1. Who this policy applies to

This policy applies to:

• Visitors who browse lifecovers.com.au.
• Readers who submit our enquiry form to request a callback.
• Anyone who emails us at [email protected].

2. What information we collect

We collect only the information needed to publish the site, run the enquiry-to-partner referral process, and respond to direct contact.

Information collected through the enquiry form:

• Full name.
• Email address.
• Phone number.
• Age range.
• Postcode.
• A short free-text note about what you are looking at.
• The page URL the form was submitted from (used for attribution).

Information collected automatically when you visit the site:

• IP address, via Google Analytics 4.
• Browser type and operating system.
• Pages viewed and time spent.
• Referrer URL.

We do not ask for health information, and the enquiry form asks you not to include health, medical, income, super or banking details in the optional note. If you include them anyway, we delete that detail from our records and do not pass it on. The partner practice you speak with after enquiring may collect health information as part of their own underwriting process, with your separate consent. That information is governed by the partner's own privacy policy, not this one.

3. How we collect it

We collect information directly from you when you submit the enquiry form or send us an email. We collect site analytics through Google Analytics 4.

We do not buy or rent personal information from third parties.

4. Why we collect it

We collect personal information for the following purposes:

• To pass your enquiry to a licensed Australian partner practice for the callback you requested.
• To respond to questions, complaints, and corrections sent to [email protected].
• To understand how the site is used so we can improve the content.
• To meet our legal and regulatory obligations.

We do not use your personal information for any other purpose without your consent.

5. Who we share it with

When you submit an enquiry, your details are sent to a licensed Australian partner practice. We disclose enquiry details to the receiving partner practice, and we use service providers (email and hosting infrastructure) that transmit and store information on our behalf, as described below. We do not auction enquiries, distribute them across a panel, or pass them to marketing lists.

We may share information with:

• The partner practice that handles your enquiry (sole purpose: the callback you requested).
• Our email and form-handling infrastructure (currently a Gmail inbox at [email protected], which means transmission and storage by Google).
• Our analytics provider (Google Analytics 4).
• Australian regulators or law enforcement, if required by law.

We do not sell or rent personal information to anyone, ever.

6. Overseas disclosure

Some of our service providers store data outside Australia. The main ones at launch are:

• Google (United States): email handling and analytics.
• Cloudflare (United States): hosting and content delivery.

Each provider is bound by its own privacy framework, and the relationship is governed by binding contractual terms. By using the site or submitting the form, you consent to your information being handled by these providers under those terms.

If we change our infrastructure and a new processor becomes relevant, this section is updated.

7. Storage and security

Information you provide is held in an access-controlled mailbox protected by two-factor authentication, accessible only to the operating team.

We keep enquiry records while they're needed to manage the referral and for a reasonable period afterwards, then delete them; you can ask us to delete them sooner.

We do not knowingly collect information from anyone under 18. The enquiry form's age range starts at 18–29 and requires you to confirm you are 18 or older before submitting. If you become aware that a person under 18 has submitted information to lifecovers, please email [email protected] and we will delete it.

8. Cookies and tracking

We use cookies and similar tracking only for site analytics. The current stack at launch is:

• Google Analytics 4 for traffic analysis.

We do not run advertising pixels, retargeting tags, or session-replay tools at launch. If we add any, this section is updated and a cookie banner appears on first visit.

You can disable cookies in your browser settings or use the Google Analytics opt-out browser add-on. Disabling cookies will not block your access to any part of the site.

9. Your rights

Under the Australian Privacy Principles, you have the right to:

• Access the personal information we hold about you.
• Correct information that is inaccurate, out of date, or incomplete.
• Delete: you may ask us to delete information we hold about you. We action requests where we can, subject to any legal retention obligations.
• Lodge a complaint with us, and if we cannot resolve it, with the Office of the Australian Information Commissioner (OAIC).

To exercise any of these rights, email [email protected]. We respond within 30 days.

To complain to the OAIC:

• Online: www.oaic.gov.au
• Phone: 1300 363 992
• Mail: GPO Box 5288, Sydney NSW 2001

10. Updates to this policy

We update this policy when our practices, our partner arrangement, or technology stack change in a way that affects personal information. The current version date appears at the top of this policy.

11. Contact

The privacy contact for lifecovers is the lifecovers editorial team, via [email protected], post to 100 Harris St, Pyrmont NSW 2009.