Australian Unity and its subsidiaries respect the privacy rights of our members, customers and other organisations with whom we deal (“you”). Australian Unity is committed to complying with all applicable privacy laws including the Privacy Act 1988 (Cth) and Australian Privacy Principles. Australian Unity and its subsidiaries include but are not limited to our dental centres, wealth, financial planning, mortgage broking, building society, private health insurance, trustee services and independent and assisted living businesses. References to ‘we’, ‘our’, ‘us’ and ‘Australian Unity’ within this policy refers to the Australian Unity group of businesses.
What personal information do we collect?
The personal information we may collect, hold and/or use about you will depend on the type of product/service you request. Examples of personal information we may collect include, but are not limited to:
Personal identification and contact details
Banking, payment and contribution details
Tax file & Medicare numbers
Health and claims information
Records of service contacts, inclusive of voice recorded telephone conversations
Registration to Wellbeing programs
Financial situation, needs and objectives
Employment details and history
tax file number;
any other personal information which is either required to acquire a product or service or needed during the lifecycle of that product or service.
We will only collect, maintain and use personal information about you if it is necessary for us to adequately provide you the products and services you have requested, provide you with information about other products and services offered by a member of the Australian Unity Group, or to meet our obligations under applicable Laws (e.g. the Anti-Money Laundering and Counter Terrorist Financing Act (2006) (AML Act).
We will at all times seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access and disclosure. Additional
privacy measures are employed to protect sensitive information (such as health information). You have the right not to disclose your personal information to us. However, this may limit our ability to provide you with the products and services you have requested.
Where you provide us with unsolicited personal or sensitive information which we do not require to deliver products and services to you (for example on a phone call that is recorded), such information will be subject to our normal security arrangements for customer information. Where reasonable to do so, we will not hold unsolicited personal or sensitive information we do not require, however often we are unable to delete such information, particularly where it forms part of correspondence, phone records or other interactions that we do need to retain. Deletion in such circumstances is generally not reasonable or practicable.
Personal information records are held for a period considered appropriate to provide you with the product/service you require and consistent with applicable Laws and the Privacy Act. Should you cease to be a customer of Australian Unity, any personal information which we hold about you will be maintained for the relevant periods required by Law.
How do we collect your personal information?
We collect personal information from:
face to face interactions;
correspondence (written and verbal);
contact over the telephone, your mobile or other messaging technology;
via the internet, including websites and social media; and
through Wellbeing program registrations.
In most cases, we collect your personal information directly from you. However, if this is not practical, we may collect information about you from another person or entity.
Some examples of where this may occur include:
Receiving information from a person to whom you have granted a delegated authority.
Requesting spouse or dependant information related to a family private health insurance cover from the main policyholder.
Spouse and dependant information in the provision of financial planning services may in some circumstances be collected from one member of a couple.
When you are admitted to hospital, personal information about you and your condition is provided by the hospital to the private health fund to enable your claim to be paid. We may be assisted with this process via our agent, the Australian Health Service Alliance Limited.
Receiving information about a person who is to be nominated as a beneficiary, the life insured, a plan guardian or a nominated student of an investment bond.
How do we use your information?
We use your information to primarily manage, deliver and administer the products and services you request. Personal information may also be used so that we can offer products and services to you (including special offers and discounts), to extend our relationship with you and to develop products and services better suited to our customers needs. We also use your personal information to identify you and conduct appropriate checks and to manage, train and develop our employees and representatives.
Your personal information may be used and analysed to meet our obligations under applicable Laws, for example the Know Your Customer requirements of the AML/CTF Act.
We respect the rights of our customers to choose the material they want to receive and how they wish to receive it, including by electronic means. You can therefore choose to receive only the materials you want by calling 13 29 39.
We may use information to develop specific health programs for our health insurance members. Programs may be of a general nature and available to all private health insurance members and some programs may be offered on an invitation only basis (based on a set of criteria) with the aim of treating a specific illness or condition (e.g. coronary artery disease). We may also provide your information to other health service providers, if your condition warrants, and they may contact you to offer services (e.g. in-home rehabilitation services). Participation in any program is voluntary and conducted on an optin basis, following an initial contact from us or our health service provider. Upon opting into a program, you will be advised of any further privacy matters that may relate directly to your participation. You may withdraw from a program at any stage.
Who do we disclose information to?
Australian Unity will only disclose personal information to third parties for the purposes of managing, marketing, distributing, delivering and administering the product and/or service you require and in accordance with this policy and applicable Laws.
For example, we may disclose relevant personal information to:
Agents and brokers (intermediaries) to enable them to efficiently answer enquiries and process transactions, including banking transactions and applications for banking products/account opening.
Where you are a member of a corporate health insurance plan, the corporate entity or your employer to enable reconciliations, tracking of premiums and to meet other information needs.
A person acting on your behalf including a financial advisor,trustee, attorney or person to whom you have granted a delegated authority.
Service providers engaged to carry out functions on our behalf (e.g. mail houses, investment managers, distribution and marketing partners, outsourced administration services, ATM network and credit card providers, international funds transfers, credit reporting agencies, other financial institutions as required, solicitors/conveyancing agents,property valuers, property insurers, software or IT service vendors claims or fraud auditors/investigators and internal or external claims assessors for past or pending claims). Some of these service providers may be located overseas. Your personal information will only be stored overseas by one of our service providers in accordance with this policy and applicable laws.
Hospital and other health service providers, including to provide you with clinical services for a specific condition, such
as in-home rehabilitation services.
If you have acquired a product via membership of a corporate group (e.g. corporate health plan) or alliance partner, your personal information may be shared with that corporate group or alliance partner.
Your financial advisor who in turn may disclose information to superannuation funds, trustees, insurance providers and product issuers for the purpose of giving effect to your
financial plan and recommendations made by them.
If a financial adviser, funeral director (for funeral bonds) or broker (for loans) has referred you to our products then your details (including ongoing investment and transaction details) may be provided to that adviser, the adviser’s dealer group, the funeral director, the broker or the organisation for whom they work.
External dispute resolution bodies as necessary to resolve a matter you have raised.
For legal reasons, disclosure may need to be made to law enforcement agencies, regulators, government agencies, courts or external advisors (e.g. to meet our obligations under the AML/CTF Act)
Australian Unity group companies may disclose personal information to other companies within the Australian Unity group.
This information is provided on a confidential basis and will only be used for the purposes of the Australian Unity Group, including product development and marketing.
We will take all reasonable steps to protect your personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure. We have systems and processes in place for this purpose. Only authorised personnel are granted access your information. We also have in place processes designed to identify you when you deal with us by phone, online or face to face. These processes are designed to ensure we only disclose your information to you, or someone properly authorised by you. You need to keep access details like users names, passwords and PINs confidential and not share them or leave them somewhere that’s easy for others to access or find.
Access and correction
You have the right to correct your personal information held by us if you believe it to be inaccurate or out of date. We will then amend your records accordingly. If we disagree with the correction, we will advise you of the reasons for doing so and will make a note on your record of this. You have the right to access your personal information. This can be arranged so by calling 13 29 39 or writing. Your request should include a detailed description of the information required. To ensure information is only disclosed to those entitled to it you may be asked for identification, or in the case of a telephone call asked to answer a series of questions to verify your identity.If we are unable to provide you with access to your information, we will inform you of the reasons why.
Privacy Enquiries & Complaints
If you have an enquiry or complaint about our information handling practices, please contact us by calling 13 29 39 or alternatively write to:
Group Privacy Officer
Australian Unity Limited
114 Albert Road
South Melbourne VIC 3205
It is our intention to resolve any complaint as quickly as possible and to your satisfaction. If you are unhappy with the response provided by us, you may refer your complaint to the Office of the Privacy Commissioner for further consideration.
Office of the Privacy Commissioner
Phone: 1300 363 992
Changes and getting a copy of the Policy