Privacy and Your Personal and Sensitive Information
“Personal information” is information or an opinion about a person that identifies the person or from which the person’s identity can be reasonably ascertained. “Sensitive information” includes medical and health information about that person.
NobleOak (“we”, “us” and “our”) is bound by the Privacy Act 1988 (Cth) (Privacy Act), including the 13 APPs which protect personal information. NobleOak respects your right to privacy and values the trust you place in us to handle your personal and sensitive information. Maintaining the privacy of all personal and sensitive information entrusted to us is paramount.
The Privacy Laws provide individuals with the right not to identify themselves or use a pseudonym when transacting with organisations. When applying for Life insurance, it is not practicable for a Life insurance company to do so with a person anonymously or by the use of a pseudonym, due to life insurance industry risk selection requirements.
NobleOak only collects personal information that is needed to assist us in providing a service to you and your family/employees. When you provide your personal information to us, you are consenting to its use in accordance with this Policy. Generally we keep a record of:
We will collect personal information, including sensitive information, directly from you or from your nominated treating doctor or other health provider. If we need to collect personal or sensitive information from third parties (such as the service providers mentioned above), we will ask for your consent to do so.
NobleOak doesn’t ordinarily return, respond to, or store unsolicited personal information that we receive.
NobleOak will only use or disclose personal information that you provide to us for:
Following your consent, we may disclose your personal and sensitive information to the appointed service providers where this information will assist with processing your Life insurance application and any changes you seek to make to it. You can also request that we disclose information to another person on your behalf.
We may also disclose your personal information to our related companies.
NobleOak is committed to handling your personal information in accordance with the Privacy Laws and the Australian Privacy Principles. We operate all of our offices in Australia in line with the Australian Privacy Principles and our Australian Privacy compliance framework. Currently all your personal and sensitive information is stored and accessed in Australia with one exception outlined below. If this changes, we will amend this Policy to detail any overseas countries where data may reside. If you are the holder of the Professionals Choice insurance product issued through the PPS Mutual Benefit Fund your personal information is stored in Australia and accessed by secure network by the PPS Mutual Benefit Fund Administrator, the Professional Provident Society in South Africa. Your information is handled in line with the Australian Privacy Principles and our Australian Privacy compliance framework.
Our on-line chat facility located on the NobleOak website is hosted by a service provider who retains the information in the United States of America. This facility is used for general enquiries. NobleOak does not currently collect sensitive personal information through this facility.
Please let us know if you have any queries or objections to such disclosures.
NobleOak will not use Government-related identifiers (such as a Medicare number) as our reference number for you in our systems. We will only use or disclose any government identifier that you provide to us as required (such as to assist with a claim assessment) or where authorised by law.
NobleOak will take reasonable steps to protect personal information entrusted to us from misuse and loss and from unauthorised access, interference, modification and disclosure. All information entrusted to us will be securely stored in physical and/or electronic form.
Where we no longer require your personal information, we will take reasonable steps to destroy or permanently de-identify that information.
NobleOak has internal procedures which require our people to ensure the safe handling and storage of all private and confidential information including procedures for safe custody and transit of information both inside and outside of NobleOak.
NobleOak is committed to keeping up-to-date records of your personal information. We will take reasonable steps to ensure that any personal information collected, used or disclosed by us is accurate, complete, and up-to-date.
If NobleOak holds personal information about you, you might request access to that personal information. However, the law allows us to decline access in limited circumstances. We may charge you a reasonable fee for providing you with access to that personal information.
You may request access to your information from NobleOak at any time and can find out what information we hold about you by contacting the NobleOak Privacy Officer via email at: [email protected] NobleOak will deal with any access or correction request in a timely manner. If you establish that personal information held by us is not accurate, complete, relevant, up-to-date or is misleading, we will need to satisfactorily identify you first, then we’ll take reasonable steps to correct the information so that it is accurate, complete, relevant, up-to-date, and not misleading. If we refuse to provide you with access or to correct such information, we will provide you with written reasons for our denial of access or refusal to correct your personal information.
When you provide contact information to us, you agree to us contacting you in relation to promoting our products and services, assessing your application and administering your policy or claim. In doing so, we may provide personal information about you to a related company or service provider. If you are unsure where we first obtained your contact information, you may ask us to provide the source of that information. If you do not wish to receive information on other products or services offered by or through us, please contact us.
NobleOak may use “cookies” to collect online web traffic data. These cookies do not record any personal information and cannot be used to identify you. You can set your browser to refuse them if required.
General privacy enquiries should be directed to the NobleOak Privacy Officer at: [email protected].
NobleOak takes a best practice approach to addressing privacy complaints. Upon receipt of a complaint, it will be immediately escalated to NobleOak staff with the appropriate knowledge of the Privacy Act. We will then issue you with a timely response that, if appropriate, will outline the measures that NobleOak will take to resolve the complaint.
You may make a privacy complaint directly to NobleOak via:
NobleOak’s objective in all cases will be to resolve your complaint promptly.
However, if you feel that we have not satisfactorily addressed your complaint, you may also make a complaint to the Australian Government’s Office of the Australian Information Commissioner (OAIC) via the following channels:
Online at: http://oaic.gov.au/privacy/privacy-complaints or
In writing to: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601.
The OAIC can also be contacted via telephone by calling 1300 363 992 or by emailing [email protected].
Issue Date: 30 March 2016
NobleOak Life Limited
Level 2, 89 York Street, Sydney NSW 2000
Telephone: 1300 551 044
Email: [email protected]